New Mexico · HMDA 2025
Mortgage lenders in San Miguel County, NM
97 lenders reported 713 home-loan applications in San Miguel County in 2025. 250 closed as loans ($50.7M), 191 were denied — a 40.5% denial rate on decided applications, above the New Mexico rate of 24.5%. The three most active lenders handled 34% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 713
- Loans originated
- 250
- Purchase / refinance
- 159 / 60
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in San Miguel County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 110 | 15.4% | — |
| 2 | 21st Mortgage Corporation | 92 | 12.9% | — |
| 3 | State Employees Credit Union | 43 | 6.0% | — |
| 4 | Rocket Mortgage, LLC | 38 | 5.3% | — |
| 5 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 31 | 4.3% | 74.7% |
| 6 | DIRECTORS MORTGAGE, INC. | 27 | 3.8% | — |
| 7 | SOUTHWEST STAGE FUNDING, LLC | 17 | 2.4% | — |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 16 | 2.2% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 2.1% | — |
| 10 | GUARANTEED RATE, INC. | 15 | 2.1% | — |
| 11 | Waterstone Mortgage Corporation | 15 | 2.1% | — |
| 12 | GUILD MORTGAGE COMPANY | 14 | 2.0% | — |
| 13 | Del Norte Credit Union 66 out of 100, Moderate | 13 | 1.8% | 16.7% |
| 14 | Loandepot.Com, LLC | 12 | 1.7% | — |
| 15 | Broker Solutions, Inc. | 12 | 1.7% | — |
| 16 | AmeriSave Mortgage Corporation | 12 | 1.7% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 1.4% | 14.1% |
| 18 | Mortgage Research Center, LLC | 10 | 1.4% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 10 | 1.4% | — |
| 20 | V.I.P. MORTGAGE, INC. | 8 | 1.1% | — |
| 21 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 1.0% | 22.2% |
| 22 | PENNYMAC LOAN SERVICES, LLC | 7 | 1.0% | — |
| 23 | COUNTRYPLACE MORTGAGE, LTD. | 7 | 1.0% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 7 | 1.0% | — |
| 25 | BOKF, National Association 64 out of 100, Moderate | 7 | 1.0% | 27.5% |
| 26 | NUSENDA | 7 | 1.0% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.8% | 32.9% |
| 28 | NEWREZ LLC | 6 | 0.8% | — |
| 29 | Sunflower Bank, National Association 51 out of 100, Below average | 5 | 0.7% | 5.8% |
| 30 | FIGURE LENDING LLC | 5 | 0.7% | — |
| 31 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 0.7% | — |
| 32 | GUADALUPE | 5 | 0.7% | — |
| 33 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 0.6% | 39.5% |
| 34 | MYCUMORTGAGE, LLC | 4 | 0.6% | — |
| 35 | U.S. EAGLE | 4 | 0.6% | — |
| 36 | CMG MORTGAGE, INC. | 3 | 0.4% | — |
| 37 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.4% | 33.8% |
| 38 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.4% | 44.7% |
| 39 | ZILLOW HOME LOANS, LLC | 3 | 0.4% | — |
| 40 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | 0.4% | — |
Top 40 of 97 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