Mortgage lending in Bernalillo County, New Mexico
Lenders in Bernalillo County, New Mexico reported 24,687 mortgage applications for 2025, according to the CFPB.
24,687 mortgage applications and 14,289 loans originated in 2025; the denial rate was 20.0% of 18,854 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Albuquerque, NM MSA.
- 24,687
- Applications
- 14,289
- Loans originated
- 20.0%
- Denial rate
- 3,762 denied of 18,854 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 24,687 | 14,289 |
| 2024 | 23,056 | 13,423 |
| 2023 | 19,958 | 11,569 |
| 2022 | 28,050 | 16,349 |
| 2021 | 49,095 | 30,660 |
| 2020 | 46,343 | 29,122 |
| 2019 | 30,281 | 18,355 |
| 2018 | 26,013 | 15,285 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Nusenda Federal Credit Union | 1,169 | 1,835 |
| Waterstone Mortgage Corporation | 1,082 | 1,416 |
| Guild Mortgage Company | 935 | 1,316 |
| Rocket Mortgage | 876 | 1,250 |
| United Wholesale Mortgage | 822 | 1,141 |
| Sunward | 754 | 1,108 |
| Primary Residential Mortgage, INC. | 512 | 698 |
| Bokf NA | 471 | 796 |
| Kirtland Federal Credit Union | 347 | 517 |
| CMG Mortgage Inc | 291 | 438 |
| Sandia Area Federal Credit Uni | 266 | 440 |
| JPMorgan Chase Bank, NA | 260 | 378 |
| U.S. Eagle Federal Credit Union | 237 | 350 |
| Pennymac Loan Services LLC | 219 | 447 |
| loanDepot.com LLC | 203 | 354 |
| Directors Mortgage, Inc | 198 | 280 |
| Nationstar Mortgage | 187 | 264 |
| Navy Federal Credit Union | 185 | 399 |
| Bank of America NA | 171 | 485 |
| Mortgage Research Center | 169 | 364 |
| Freedom Mortgage Corporation | 159 | 410 |
| DHI Mortgage Company, LTD. | 157 | 244 |
| Rio Grande Credit Union | 126 | 208 |
| Hometrust Mortgage Company | 117 | 192 |
| Builders Choice Mortgage LLC | 117 | 161 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 574 | 29.1% of 422 decided |
| Asian | 731 | 16.4% of 562 decided |
| Black or African American | 575 | 26.3% of 456 decided |
| Native Hawaiian or Other Pacific Islander | 36 | no rate: base under 50 |
| White | 16,548 | 18.1% of 12,883 decided |
| 2 or more minority races | 54 | no rate: base under 50 |
| Joint | 761 | 15.8% of 589 decided |
| Free Form Text Only | 16 | no rate: base under 50 |
| Race Not Available | 5,392 | 25.3% of 3,857 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 9,548 | 23.2% of 7,331 decided |
| Not Hispanic or Latino | 9,559 | 16.4% of 7,376 decided |
| Joint | withheld | |
| Ethnicity Not Available | 4,061 | 23.0% of 2,938 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 8,041 | 22.5% of 6,025 decided |
| Female | 6,674 | 22.0% of 5,222 decided |
| Joint | 7,947 | 14.2% of 6,202 decided |
| Sex Not Available | 2,025 | 26.7% of 1,405 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 780 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved