New Mexico · HMDA 2025
Mortgage lenders in Otero County, NM
184 lenders reported 2,586 home-loan applications in Otero County in 2025. 1,237 closed as loans ($257.3M), 431 were denied — a 24.7% denial rate on decided applications, close to the New Mexico rate of 24.5%. The three most active lenders handled 26% of applications, led by 21st Mortgage Corporation. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,586
- Loans originated
- 1,237
- Purchase / refinance
- 874 / 290
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Otero County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 267 | 10.3% | — |
| 2 | Gateway First Bank 54 out of 100, Below average | 201 | 7.8% | 5.3% |
| 3 | Mortgage Research Center, LLC | 193 | 7.5% | — |
| 4 | Rocket Mortgage, LLC | 161 | 6.2% | — |
| 5 | Click n' Close, Inc. | 134 | 5.2% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 104 | 4.0% | — |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 95 | 3.7% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 82 | 3.2% | — |
| 9 | Loandepot.Com, LLC | 71 | 2.7% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 60 | 2.3% | 32.9% |
| 11 | NEWREZ LLC | 52 | 2.0% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 46 | 1.8% | — |
| 13 | TRIAD FINANCIAL SERVICES, INC. | 42 | 1.6% | — |
| 14 | PLANET HOME LENDING, LLC | 40 | 1.5% | — |
| 15 | Broker Solutions, Inc. | 38 | 1.5% | — |
| 16 | GUILD MORTGAGE COMPANY | 32 | 1.2% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 29 | 1.1% | 14.1% |
| 18 | USAA Federal Savings Bank 64 out of 100, Moderate | 28 | 1.1% | 37.2% |
| 19 | CMG MORTGAGE, INC. | 26 | 1.0% | — |
| 20 | NEW DAY FINANCIAL, LLC | 26 | 1.0% | — |
| 21 | AmeriSave Mortgage Corporation | 25 | 1.0% | — |
| 22 | CARRINGTON MORTGAGE SERVICES, LLC | 24 | 0.9% | — |
| 23 | FIGURE LENDING LLC | 23 | 0.9% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 22 | 0.9% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 22 | 0.9% | — |
| 26 | Truist Bank 63 out of 100, Moderate | 21 | 0.8% | 40.8% |
| 27 | VILLAGE CAPITAL & INVESTMENT LLC | 21 | 0.8% | — |
| 28 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 20 | 0.8% | 74.7% |
| 29 | Sierra Pacific Mortgage Company, Inc. | 18 | 0.7% | — |
| 30 | NATIONSTAR MORTGAGE LLC | 18 | 0.7% | — |
| 31 | SOUTHWEST STAGE FUNDING, LLC | 17 | 0.7% | — |
| 32 | JMAC LENDING, INC. | 16 | 0.6% | — |
| 33 | Waterstone Mortgage Corporation | 16 | 0.6% | — |
| 34 | Fairway Independent Mortgage Corporation | 15 | 0.6% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 15 | 0.6% | 3.0% |
| 36 | NBKC BANK | 14 | 0.5% | — |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 0.5% | — |
| 38 | PHH Mortgage Corporation | 14 | 0.5% | — |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 13 | 0.5% | 22.2% |
| 40 | PNC Bank, National Association 62 out of 100, Moderate | 13 | 0.5% | 33.8% |
Top 40 of 184 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
- 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
- McKinley County 969 apps