Largest lenders in Humboldt County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | American Pacific Mortgage | C | 128 | 109 | 0.0% | 6.38% |
| 2 | Rocket Mortgage | C | 40 | 29 | 25.0% | 6.49% |
| 3 | Movement Mortgage | A | 38 | 29 | 5.3% | 6.69% |
| 4 | U.S. Bank | D | 33 | 12 | 33.3% | 7.91% |
| 5 | United Shore Financial Services | B | 32 | 28 | 3.1% | 6.00% |
| 6 | Guild Mortgage | A | 30 | 16 | 0.0% | 6.81% |
| 7 | Freedom Mortgage | B | 27 | 9 | 14.8% | 6.00% |
| 8 | Zions Bancorporation | B | 25 | 14 | 36.0% | 6.25% |
| 9 | 21st Mortgage | F | 25 | 12 | 44.0% | 9.27% |
| 10 | Broker Solutions | D | 20 | 5 | 10.0% | 6.88% |
| 11 | Evergreen Moneysource Mortgage | B | 18 | 12 | 0.0% | 6.50% |
| 12 | Crosscountry Mortgage | B | 17 | 10 | 0.0% | 6.69% |
| 13 | AmeriSave Mortgage | D | 16 | 4 | 68.8% | 9.25% |
| 14 | Newrez | D | 15 | 6 | 6.7% | 6.69% |
| 15 | Loandepot.Com | D | 14 | 9 | 35.7% | 7.88% |
| 16 | Wells Fargo Bank | B | 12 | 9 | 16.7% | 7.00% |
| 17 | Fairway Independent Mortgage | B | 10 | 10 | 0.0% | 6.69% |
| 18 | Mortgage Research Center | C | 10 | 6 | 30.0% | 6.44% |
| 19 | AMERICA FIRST Federal Credit Union | C | 9 | 6 | 22.2% | 8.12% |
| 20 | Pennymac Loan Services | C | 8 | 4 | 12.5% | 6.06% |
| 21 | Mutual of Omaha Mortgage | C | 8 | 4 | 0.0% | 6.31% |
| 22 | Figure Lending | C | 8 | 3 | 50.0% | 9.20% |
| 23 | Village Capital & Investment | C | 7 | 4 | 28.6% | 6.31% |
| 24 | Carrington Mortgage Services | D | 7 | 4 | 14.3% | 6.63% |
| 25 | United Federal Credit Union | D | 6 | 4 | 0.0% | 8.38% |
Best approval odds in Humboldt County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | American Pacific Mortgage | 110 | 0.0% |
What Humboldt County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Humboldt County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 515 | 315 | 19.4% | 6.75% | $215,000 |
| 2024 | 588 | 359 | 18.0% | 6.63% | $245,000 |
| 2025 | 695 | 419 | 14.7% | 6.50% | $265,000 |
Frequently asked questions
14.7% of applications in Humboldt County were denied in 2025, against 17.5% statewide in Nevada.
American Pacific Mortgage, with 128 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Humboldt County in 2025 was for $265,000; the median property value on originated loans was $365,000.