Mortgage lending in Valencia County, New Mexico
Lenders in Valencia County, New Mexico reported 3,669 mortgage applications for 2025, according to the CFPB.
3,669 mortgage applications and 1,924 loans originated in 2025; the denial rate was 25.3% of 2,775 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.
- 3,669
- Applications
- 1,924
- Loans originated
- 25.3%
- Denial rate
- 701 denied of 2,775 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,669 | 1,924 |
| 2024 | 3,423 | 1,841 |
| 2023 | 3,006 | 1,623 |
| 2022 | 3,575 | 1,877 |
| 2021 | 5,029 | 2,791 |
| 2020 | 4,330 | 2,450 |
| 2019 | 3,054 | 1,670 |
| 2018 | 2,803 | 1,407 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Waterstone Mortgage Corporation | 137 | 181 |
| Primary Residential Mortgage, INC. | 123 | 167 |
| Nusenda Federal Credit Union | 120 | 175 |
| Guild Mortgage Company | 110 | 178 |
| United Wholesale Mortgage | 104 | 167 |
| Rocket Mortgage | 98 | 155 |
| DHI Mortgage Company, LTD. | 84 | 146 |
| loanDepot.com LLC | 80 | 150 |
| Sunward | 54 | 107 |
| Mortgage Research Center | 51 | 96 |
| Calcon Mutual Mortgage LLC | 49 | 65 |
| 21ST Mortgage | 46 | 217 |
| Freedom Mortgage Corporation | 40 | 93 |
| Kind Lending, LLC | 39 | 52 |
| CMG Mortgage Inc | 38 | 68 |
| Homeamerican Mortgage Corporation | 30 | 38 |
| JPMorgan Chase Bank, NA | 30 | 48 |
| Kirtland Federal Credit Union | 29 | 49 |
| Directors Mortgage, Inc | 29 | 53 |
| State Employees Credit Union | 28 | 51 |
| Gold Star Mortgage Financial Group, Corporation | 28 | 29 |
| Bokf NA | 28 | 51 |
| Navy Federal Credit Union | 26 | 49 |
| Builders Choice Mortgage LLC | 24 | 31 |
| Sunflower Bank, N.A. | 22 | 35 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 110 | 36.4% of 77 decided |
| Asian | 30 | no rate: base under 50 |
| Black or African American | 61 | 30.8% of 52 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,541 | 21.9% of 1,961 decided |
| 2 or more minority races | 11 | no rate: base under 50 |
| Joint | 104 | 27.3% of 77 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 804 | 33.7% of 567 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,817 | 27.4% of 1,396 decided |
| Not Hispanic or Latino | 1,019 | 21.0% of 780 decided |
| Joint | 276 | 16.0% of 213 decided |
| Ethnicity Not Available | 557 | 31.4% of 386 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,248 | 25.6% of 948 decided |
| Female | 863 | 29.5% of 677 decided |
| Joint | 1,297 | 19.8% of 977 decided |
| Sex Not Available | 261 | 37.6% of 173 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. 783 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