New Mexico · HMDA 2025
Mortgage lenders in Santa Fe County, NM
297 lenders reported 6,228 home-loan applications in Santa Fe County in 2025. 3,074 closed as loans ($1.2B), 1,030 were denied — a 24.1% denial rate on decided applications, close to the New Mexico rate of 24.5%. The three most active lenders handled 14% of applications, led by 21st Mortgage Corporation. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,228
- Loans originated
- 3,074
- Purchase / refinance
- 1,572 / 973
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Santa Fe County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 306 | 4.9% | — |
| 2 | Rocket Mortgage, LLC | 288 | 4.6% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 262 | 4.2% | — |
| 4 | Waterstone Mortgage Corporation | 251 | 4.0% | — |
| 5 | NUSENDA | 236 | 3.8% | — |
| 6 | Del Norte Credit Union 66 out of 100, Moderate | 223 | 3.6% | 16.7% |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 195 | 3.1% | 14.1% |
| 8 | Sunflower Bank, National Association 51 out of 100, Below average | 175 | 2.8% | 5.8% |
| 9 | GUILD MORTGAGE COMPANY | 158 | 2.5% | — |
| 10 | State Employees Credit Union | 157 | 2.5% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 150 | 2.4% | — |
| 12 | Bank of America, National Association 59 out of 100, Moderate | 144 | 2.3% | 44.7% |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 121 | 1.9% | — |
| 14 | NEWREZ LLC | 115 | 1.8% | — |
| 15 | GUARANTEED RATE, INC. | 112 | 1.8% | — |
| 16 | BOKF, National Association 64 out of 100, Moderate | 109 | 1.8% | 27.5% |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 102 | 1.6% | — |
| 18 | DHI MORTGAGE COMPANY, LTD. | 97 | 1.6% | — |
| 19 | Sunward Federal Credit Union 60 out of 100, Moderate | 96 | 1.5% | 10.1% |
| 20 | Nations Lending Corporation | 95 | 1.5% | — |
| 21 | Loandepot.Com, LLC | 93 | 1.5% | — |
| 22 | U.S. Bank National Association 55 out of 100, Moderate | 85 | 1.4% | 39.5% |
| 23 | FREEDOM MORTGAGE CORPORATION | 85 | 1.4% | — |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 83 | 1.3% | — |
| 25 | PULTE MORTGAGE LLC | 79 | 1.3% | — |
| 26 | AmeriSave Mortgage Corporation | 78 | 1.3% | — |
| 27 | UNION HOME MORTGAGE CORP. | 66 | 1.1% | — |
| 28 | SANDIA AREA | 65 | 1.0% | — |
| 29 | Mortgage Research Center, LLC | 64 | 1.0% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 62 | 1.0% | 32.9% |
| 31 | Broker Solutions, Inc. | 61 | 1.0% | — |
| 32 | Bell Bank 59 out of 100, Moderate | 61 | 1.0% | 7.1% |
| 33 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 60 | 1.0% | 22.2% |
| 34 | Coastal Community Bank 35 out of 100, Low | 58 | 0.9% | 3.0% |
| 35 | NATIONSTAR MORTGAGE LLC | 57 | 0.9% | — |
| 36 | FIGURE LENDING LLC | 52 | 0.8% | — |
| 37 | SPRING EQ, LLC | 48 | 0.8% | — |
| 38 | PLAZA HOME MORTGAGE, INC. | 48 | 0.8% | — |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 42 | 0.7% | — |
| 40 | SUMMIT FUNDING, INC. | 42 | 0.7% | — |
Top 40 of 297 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
- 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
- McKinley County 969 apps