Las Vegas-Henderson-North Las Vegas Mortgage Lending in 2025

Explore mortgage lending activity in Las Vegas-Henderson-North Las Vegas (MSA/MD Code 29820) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 29820
31,540 Loans Originated
• Primary State: Nevada (NV)
• $13.86 Billion Originated Volume
• $395,000 Median Loan
Actionable Applications 39,680 +1.18% vs 2024
Approval Rate 83.76% +0.08 pp vs 2024
Denial Rate 16.24% -0.08 pp vs 2024
Loan Originations 31,540 +0.79% vs 2024
Originated Volume $13.86 Billion +5.92% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 39,680 actionable applications (Actions 1, 2, and 3).

83.76%
16.24%
33,236 approved 6,444 denied
Action 1: Originated
31,540 (79.49%)
Action 2: Approved not accepted
1,696 (4.27%)
Action 3: Denied
6,444 (16.24%)
Action 4: Withdrawn (not in denominator)
9,659 —
Action 5: Incomplete (not in denominator)
2,554 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Las Vegas-Henderson-North Las Vegas Compares

Metro vs. State Baseline (2025)

Metric Las Vegas-Henderson-North Las Vegas Nevada
Actionable Apps 39,680 55,197
Approval Rate 83.76% 84.29%
Denial Rate 16.24% 15.71%
Originations 31,540 44,109
Originated Volume $13.86 Billion $19.25 Billion
Median Loan $395,000 $395,000
Compared against Nevada statewide baseline in 2025.

Lending Trends in Las Vegas-Henderson-North Las Vegas

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 50,291 51,893 +3.19%
Actionable Apps 39,216 39,680 +1.18%
Originations 31,292 31,540 +0.79%
Approval Rate 83.68% 83.76% +0.08 pp
Denial Rate 16.32% 16.24% -0.08 pp
Median Loan $385,000 $395,000 +2.60%
Dollar Volume $13.08 Billion $13.86 Billion +5.92%

Applications by Borrower Income (Las Vegas-Henderson-North Las Vegas)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 9,928 87.61% 12.39%
$150k+ 10,626 89.68% 10.32%
$50k–$99,999 13,062 81.84% 18.16%
<$50k 2,736 53.80% 46.20%
Income unavailable/entity 3,328 85.55% 14.45%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Nevada (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 29820, anchored in Nevada (NV).
Metro Share of State Apps 71.89%
Metro Share of State Volume 72.00%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Nevada statewide mortgage activity

Las Vegas-Henderson-North Las Vegas is part of OpenFileData’s statewide coverage of Nevada. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Nevada Statewide Overview Active Profile
Statewide Actionable Applications: 55,197
Explore Nevada State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Nevada Profile

Compare all metropolitan areas located in Nevada.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.