Applications / Mortgage Analytics / Lenders / Nevada / Silver State Schools Service Company
Las Vegas, NV · Credit union · STATE · $1.3 billion assets · 574 loans in 2025
Silver State Schools Service Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
574
loans originated, 2025
852
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Silver State Schools Service Company, a Las Vegas credit union, raised its originations 59% in 2025, much faster than similar lenders, and lends mostly for home improvement and other purposes.
Originations rose to 574 from 361, higher growth than more than nine in ten similar lenders (credit unions making between half and twice as many loans), whose typical change was a rise of 5%. Dollar volume rose to $108.9 million from $39.7 million. That brings it back near its 2020 and 2021 levels of 640 and 661 after three years between 342 and 361.
Home improvement made up 32.4% of its loans and other purposes 31.4%; purchase loans were 26.3% and refinances 9.9%. Its typical rate, 5.99%, was lower than at more than eight in ten similar lenders, whose typical rate was 7.00%.
Its share of the Las Vegas-Henderson-North Las Vegas market rose to 0.6% from 0.2%, ranking 44 of 489 lenders. It lends in 2 metros, all in Nevada.
48.3% of its loans were in majority-minority neighbourhoods, against 10.9% at similar lenders. Its shares to low- and moderate-income (LMI) borrowers, 13.1%, and in LMI neighbourhoods, 8.4%, were lower than at more than nine in ten similar lenders. Its concentration in Las Vegas, which sets the neighbourhoods it lends in, is one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Silver State Schools Service Company took 852 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.4% · Other 31.4% · Purchase 26.3% · Refinance 9.9%
Conventional 100.0% · of 574 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nevada | 574 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Las Vegas-Henderson-North Las Vegas | 562 |
| Reno | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WSQPVY1NRH6062 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 408286 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568419 | 2000–2004 |
| Respondent ID (the HMDA filer code before 2018) | 597085 | 2005–2017 |
Established 1 January 1951. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Silver State Schools Service Company's data.
Silver State Schools Service Company's data
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Silver State Schools Service Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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