Operating Engineers Local Union #3 in Nevada vs the state
23.7%Denial rate+6.23 pts vs state
36.0%Decision denial rate+13.78 pts vs state
42.1%Origination rate-15.60 pts vs state
7.63%Median rate+1.00 pts vs state
1.29Rate spread (pts)+0.99 pts vs state
$112kMedian applicant income
16Loans originated
9Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 14 | 33.3% | 5.81% | #190 |
| 2024 | 53 | 14 | 20.8% | 8.75% | #196 |
| 2025 | 38 | 16 | 23.7% | 7.63% | #230 |
What Operating Engineers Local Union #3 lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most Operating Engineers Local Union #3 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washoe County | 16 | 9 | 3 | 18.8% |
| Clark County | 8 | 3 | 2 | 25.0% |
| Elko County | 5 | 1 | 2 | 40.0% |
| Lyon County | 3 | 1 | 1 | 33.3% |
| Lander County | 2 | 1 | 0 | 0.0% |
| Pershing County | 1 | 0 | 0 | 0.0% |
| Carson City | 1 | 1 | 0 | 0.0% |
| Douglas County | 1 | 0 | 1 | 100.0% |
| Humboldt County | 1 | 0 | 0 | 0.0% |
Other large lenders in Nevada
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 6,913 | 11.4% | 6.31% |
| Rocket Mortgage | C | 6,889 | 15.4% | 6.88% |
| Guild Mortgage | A | 5,533 | 2.6% | 6.50% |
| AMERICA FIRST Federal Credit Union | C | 3,873 | 28.6% | 7.24% |
| U.S. Bank | D | 3,745 | 40.2% | 7.65% |
| Bank of America | F | 3,296 | 35.9% | 6.24% |
| Pennymac Loan Services | C | 3,188 | 12.5% | 6.62% |
| Navy Federal Credit Union | D | 2,579 | 24.5% | 7.75% |
| Broker Solutions | D | 2,559 | 8.9% | 6.75% |
| Dhi Mortgage Company | B | 2,549 | 6.8% | 4.99% |
Frequently asked questions
Nevada: 38 applications in 2025, of which 16 were originated and 9 denied.
23.7% of all applications, or 36.0% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans Operating Engineers Local Union #3 originated in Nevada in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Operating Engineers Local Union #3's own HMDA filing for properties located in Nevada, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology