New Mexico · HMDA 2025
Mortgage lenders in Los Alamos County, NM
111 lenders reported 868 home-loan applications in Los Alamos County in 2025. 503 closed as loans ($204.1M), 87 were denied — a 14.1% denial rate on decided applications, below the New Mexico rate of 24.5%. The three most active lenders handled 29% of applications, led by Waterstone Mortgage Corporation. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 868
- Loans originated
- 503
- Purchase / refinance
- 312 / 133
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Los Alamos County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Waterstone Mortgage Corporation | 100 | 11.5% | — |
| 2 | Del Norte Credit Union 66 out of 100, Moderate | 76 | 8.8% | 16.7% |
| 3 | Sunflower Bank, National Association 51 out of 100, Below average | 72 | 8.3% | 5.8% |
| 4 | Rocket Mortgage, LLC | 58 | 6.7% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 33 | 3.8% | — |
| 6 | 21st Mortgage Corporation | 30 | 3.5% | — |
| 7 | Navy Federal Credit Union 66 out of 100, Moderate | 25 | 2.9% | 32.9% |
| 8 | AMERIHOME MORTGAGE COMPANY, LLC | 25 | 2.9% | — |
| 9 | BOKF, National Association 64 out of 100, Moderate | 25 | 2.9% | 27.5% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 23 | 2.6% | — |
| 11 | Enterprise Bank & Trust 61 out of 100, Moderate | 22 | 2.5% | 22.4% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 17 | 2.0% | 14.1% |
| 13 | FREEDOM MORTGAGE CORPORATION | 16 | 1.8% | — |
| 14 | NEWREZ LLC | 15 | 1.7% | — |
| 15 | Mortgage Research Center, LLC | 15 | 1.7% | — |
| 16 | FIGURE LENDING LLC | 14 | 1.6% | — |
| 17 | AmeriSave Mortgage Corporation | 12 | 1.4% | — |
| 18 | SPRING EQ, LLC | 10 | 1.2% | — |
| 19 | U.S. Bank National Association 55 out of 100, Moderate | 10 | 1.2% | 39.5% |
| 20 | PHH Mortgage Corporation | 10 | 1.2% | — |
| 21 | Coastal Community Bank 35 out of 100, Low | 9 | 1.0% | 3.0% |
| 22 | Discover Bank | 8 | 0.9% | — |
| 23 | Bank of America, National Association 59 out of 100, Moderate | 8 | 0.9% | 44.7% |
| 24 | NATIONSTAR MORTGAGE LLC | 8 | 0.9% | — |
| 25 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | 0.9% | — |
| 26 | UMB Bank, National Association 65 out of 100, Moderate | 8 | 0.9% | 30.5% |
| 27 | Broker Solutions, Inc. | 7 | 0.8% | — |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 7 | 0.8% | — |
| 29 | MUTUAL OF OMAHA MORTGAGE, INC. | 7 | 0.8% | — |
| 30 | USAA Federal Savings Bank 64 out of 100, Moderate | 7 | 0.8% | 37.2% |
| 31 | NUSENDA | 7 | 0.8% | — |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 0.7% | 22.2% |
| 33 | GUARANTEED RATE, INC. | 6 | 0.7% | — |
| 34 | GUILD MORTGAGE COMPANY | 6 | 0.7% | — |
| 35 | SUMMIT FUNDING, INC. | 6 | 0.7% | — |
| 36 | BETTER MORTGAGE CORPORATION | 6 | 0.7% | — |
| 37 | AMERICAN HERITAGE LENDING, LLC | 6 | 0.7% | — |
| 38 | NBKC BANK | 5 | 0.6% | — |
| 39 | Gateway First Bank 54 out of 100, Below average | 5 | 0.6% | 5.3% |
| 40 | LAKEVIEW LOAN SERVICING, LLC | 5 | 0.6% | — |
Top 40 of 111 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New Mexico
- Bernalillo County 26,977 apps
- Sandoval County 9,594 apps
- Doña Ana County 8,668 apps
- Santa Fe County 6,228 apps
- Valencia County 4,015 apps
- San Juan County 3,662 apps
- Otero County 2,586 apps
- Eddy County 2,438 apps
- Lea County 2,173 apps
- Chaves County 1,819 apps
- Curry County 1,623 apps
- Taos County 1,114 apps