Mortgage lending in Otero County, New Mexico
Lenders in Otero County, New Mexico reported 2,364 mortgage applications for 2025, according to the CFPB.
2,364 mortgage applications and 1,237 loans originated in 2025; the denial rate was 24.7% of 1,748 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Otero County, NM.
- 2,364
- Applications
- 1,237
- Loans originated
- 24.7%
- Denial rate
- 431 denied of 1,748 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,364 | 1,237 |
| 2024 | 2,013 | 1,039 |
| 2023 | 1,720 | 863 |
| 2022 | 2,368 | 1,215 |
| 2021 | 3,309 | 1,785 |
| 2020 | 2,794 | 1,530 |
| 2019 | 1,824 | 1,057 |
| 2018 | 1,745 | 988 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Gateway First Bank | 159 | 197 |
| Click n' Close, Inc. | 123 | 134 |
| Rocket Mortgage | 110 | 160 |
| Mortgage Research Center | 104 | 193 |
| 21ST Mortgage | 68 | 267 |
| United Wholesale Mortgage | 55 | 82 |
| loanDepot.com LLC | 42 | 71 |
| Navy Federal Credit Union | 28 | 60 |
| Guild Mortgage Company | 26 | 32 |
| Pennymac Loan Services LLC | 24 | 54 |
| Vanderbilt Mortgage and Finance, Inc | 22 | 94 |
| New American Funding, LLC. | 19 | 38 |
| Freedom Mortgage Corporation | 17 | 36 |
| Usaa Federal Savings Bank | 17 | 28 |
| Sierra Pacific Mortgage Co. Inc | 15 | 18 |
| Fairway Independent Mort Corp | 13 | 15 |
| Dominion Financial Services, LLC | 12 | 13 |
| Waterstone Mortgage Corporation | 12 | 16 |
| NBKC Bank | 11 | 14 |
| Figure Lending LLC | 11 | 15 |
| JMAC Lending, Inc. | 11 | 16 |
| CMG Mortgage Inc | 11 | 23 |
| Crosscountry Mortgage, LLC | 11 | 22 |
| First Savings Bank | 10 | 12 |
| Newrez LLC | 10 | 29 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 121 | 42.6% of 68 decided |
| Asian | 25 | no rate: base under 50 |
| Black or African American | 85 | 23.1% of 52 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,450 | 24.4% of 1,111 decided |
| 2 or more minority races | under 10 | |
| Joint | 72 | 17.6% of 51 decided |
| Race Not Available | 603 | 23.0% of 443 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 602 | 35.4% of 447 decided |
| Not Hispanic or Latino | 1,102 | 21.6% of 815 decided |
| Joint | 125 | 21.6% of 97 decided |
| Ethnicity Not Available | 535 | 19.5% of 389 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 862 | 26.4% of 643 decided |
| Female | 506 | 24.8% of 355 decided |
| Joint | 806 | 21.8% of 630 decided |
| Sex Not Available | 190 | 30.0% of 120 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. 1168 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