One Nevada Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
1st56.2% deniedPricingmedian rate spread over APOR, weight 30%
58th0.21 ptsProcesswithdrawn + incomplete share, weight 15%
17th20.9%Closing coststotal loan costs ÷ loan amount, weight 10%
5th4.99% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,266 | 471 | 46.3% | 55.4% | 6.00% | $102M |
| 2024 | 1,175 | 415 | 46.1% | 56.6% | 6.63% | $105M |
| 2025 | 1,128 | 391 | 44.4% | 56.2% | 6.88% | $91M |
What One Nevada Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 527 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 31 investment properties.
Why One Nevada Credit Union denies applications
Primary reason reported for each of the 501 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at One Nevada Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 120 | 11 | 89.0% |
| $50k – $100k | 403 | 131 | 59.6% |
| $100k – $150k | 280 | 116 | 48.2% |
| $150k – $250k | 218 | 90 | 44.1% |
| Over $250k | 93 | 36 | 49.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 123 | 62 | 39.8% |
| 35–44 | 284 | 95 | 57.8% |
| 45–54 | 269 | 89 | 59.0% |
| 55–64 | 244 | 75 | 60.7% |
| 65–74 | 141 | 56 | 50.9% |
| Over 74 | 61 | 12 | 69.2% |
Where One Nevada Credit Union lends
7 states and 18 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
One Nevada Credit Union denied 56.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 1st percentile of small mortgage lenders.
The most common reason One Nevada Credit Union gave in 2025 was "debt-to-income ratio", cited on 49.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans One Nevada Credit Union originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.21 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 20% of its applications were for home purchases, 7% for refinancing (including cash-out), and 73% for home improvement or other purposes. By loan type: 91% conventional, 7% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.