United Federal Credit Union in Nevada vs the state
28.9%Denial rate+11.45 pts vs state
32.4%Decision denial rate+10.18 pts vs state
57.3%Origination rate-0.43 pts vs state
7.05%Median rate+0.42 pts vs state
0.55Rate spread (pts)+0.26 pts vs state
$118kMedian applicant income
551Loans originated
278Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 923 | 518 | 27.2% | 8.08% | #29 |
| 2024 | 959 | 527 | 30.8% | 8.25% | #35 |
| 2025 | 962 | 551 | 28.9% | 7.05% | #33 |
What United Federal Credit Union lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washoe County | 645 | 375 | 190 | 29.5% |
| Lyon County | 87 | 51 | 29 | 33.3% |
| Carson City | 81 | 44 | 21 | 25.9% |
| Douglas County | 71 | 39 | 23 | 32.4% |
| Elko County | 21 | 13 | 1 | 4.8% |
| Churchill County | 15 | 8 | 6 | 40.0% |
| White Pine County | 10 | 7 | 0 | 0.0% |
| Storey County | 8 | 2 | 3 | 37.5% |
| Clark County | 7 | 3 | 2 | 28.6% |
| Humboldt County | 6 | 4 | 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: 962 applications in 2025, of which 551 were originated and 278 denied.
28.9% of all applications, or 32.4% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans United Federal Credit Union originated in Nevada in 2025 was 7.05%, against a statewide median of 6.63%.
About this data. Figures are United Federal Credit Union'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