Mortgage lending in Santa Fe County, New Mexico
Lenders in Santa Fe County, New Mexico reported 5,731 mortgage applications for 2025, according to the CFPB.
5,731 mortgage applications and 3,074 loans originated in 2025; the denial rate was 24.1% of 4,272 applications decided. The median loan was about $315,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Santa Fe, NM MSA.
- 5,731
- Applications
- 3,074
- Loans originated
- 24.1%
- Denial rate
- 1,030 denied of 4,272 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,731 | 3,074 |
| 2024 | 5,011 | 2,685 |
| 2023 | 4,509 | 2,349 |
| 2022 | 6,909 | 3,723 |
| 2021 | 11,988 | 6,979 |
| 2020 | 11,970 | 6,988 |
| 2019 | 7,536 | 4,268 |
| 2018 | 6,308 | 3,456 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 188 | 286 |
| Waterstone Mortgage Corporation | 176 | 251 |
| United Wholesale Mortgage | 176 | 262 |
| Del Norte Credit Union | 156 | 223 |
| Nusenda Federal Credit Union | 156 | 236 |
| Sunflower Bank, N.A. | 125 | 175 |
| State Employees Credit Union | 116 | 157 |
| Guild Mortgage Company | 102 | 156 |
| Nations Lending Corporation | 78 | 95 |
| Crosscountry Mortgage, LLC | 69 | 102 |
| Bokf NA | 63 | 109 |
| 21ST Mortgage | 62 | 306 |
| Sunward | 60 | 96 |
| DHI Mortgage Company, LTD. | 53 | 97 |
| Bank of America NA | 52 | 140 |
| Pulte Mortgage LLC | 51 | 79 |
| loanDepot.com LLC | 44 | 93 |
| JPMorgan Chase Bank, NA | 44 | 85 |
| Union Home Mortgage Corp. | 41 | 66 |
| Bell Bank | 41 | 61 |
| Plaza Home Mortgage, Inc | 39 | 47 |
| Sandia Area Federal Credit Uni | 37 | 65 |
| Guaranteed Rate, Inc. | 36 | 110 |
| Wells Fargo Bank NA | 35 | 60 |
| Pennymac Loan Services LLC | 35 | 71 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 77 | 40.7% of 54 decided |
| Asian | 105 | 21.9% of 82 decided |
| Black or African American | 47 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,102 | 21.3% of 3,131 decided |
| 2 or more minority races | under 10 | |
| Joint | 133 | 26.1% of 88 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,249 | 31.9% of 868 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,664 | 28.8% of 1,250 decided |
| Not Hispanic or Latino | 2,761 | 20.0% of 2,100 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,032 | 30.9% of 716 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,662 | 25.6% of 1,218 decided |
| Female | 1,505 | 28.6% of 1,140 decided |
| Joint | 2,052 | 17.7% of 1,563 decided |
| Sex Not Available | 512 | 33.1% of 351 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. 231 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