New Mexico · HMDA 2025
Mortgage lenders in Valencia County, NM
194 lenders reported 4,015 home-loan applications in Valencia County in 2025. 1,924 closed as loans ($417.1M), 701 were denied — a 25.3% 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. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,015
- Loans originated
- 1,924
- Purchase / refinance
- 1,202 / 486
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Valencia County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 217 | 5.4% | — |
| 2 | Waterstone Mortgage Corporation | 181 | 4.5% | — |
| 3 | GUILD MORTGAGE COMPANY | 178 | 4.4% | — |
| 4 | NUSENDA | 175 | 4.4% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 167 | 4.2% | — |
| 6 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 167 | 4.2% | — |
| 7 | Rocket Mortgage, LLC | 155 | 3.9% | — |
| 8 | Loandepot.Com, LLC | 150 | 3.7% | — |
| 9 | DHI MORTGAGE COMPANY, LTD. | 146 | 3.6% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 145 | 3.6% | — |
| 11 | Sunward Federal Credit Union 60 out of 100, Moderate | 107 | 2.7% | 10.1% |
| 12 | FREEDOM MORTGAGE CORPORATION | 105 | 2.6% | — |
| 13 | Mortgage Research Center, LLC | 96 | 2.4% | — |
| 14 | VANDERBILT MORTGAGE AND FINANCE, INC. | 92 | 2.3% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 78 | 1.9% | 14.1% |
| 16 | CMG MORTGAGE, INC. | 75 | 1.9% | — |
| 17 | NEWREZ LLC | 65 | 1.6% | — |
| 18 | CALCON MUTUAL MORTGAGE LLC | 65 | 1.6% | — |
| 19 | VILLAGE CAPITAL & INVESTMENT LLC | 56 | 1.4% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 55 | 1.4% | — |
| 21 | DIRECTORS MORTGAGE, INC. | 53 | 1.3% | — |
| 22 | KIND LENDING, LLC | 52 | 1.3% | — |
| 23 | State Employees Credit Union | 51 | 1.3% | — |
| 24 | BOKF, National Association 64 out of 100, Moderate | 51 | 1.3% | 27.5% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 49 | 1.2% | 32.9% |
| 26 | U.S. Bank National Association 55 out of 100, Moderate | 49 | 1.2% | 39.5% |
| 27 | Kirtland Federal Credit Union 71 out of 100, Strong | 49 | 1.2% | 24.2% |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 46 | 1.1% | — |
| 29 | HOMEAMERICAN MORTGAGE CORPORATION | 38 | 0.9% | — |
| 30 | Broker Solutions, Inc. | 37 | 0.9% | — |
| 31 | Sunflower Bank, National Association 51 out of 100, Below average | 35 | 0.9% | 5.8% |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 32 | 0.8% | 44.7% |
| 33 | Coastal Community Bank 35 out of 100, Low | 32 | 0.8% | 3.0% |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 31 | 0.8% | — |
| 35 | BUILDERS CHOICE MORTGAGE LLC | 31 | 0.8% | — |
| 36 | AmeriSave Mortgage Corporation | 30 | 0.7% | — |
| 37 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 29 | 0.7% | — |
| 38 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 28 | 0.7% | — |
| 39 | AMERICAN PACIFIC MORTGAGE CORPORATION | 25 | 0.6% | — |
| 40 | GUARANTEED RATE, INC. | 24 | 0.6% | — |
Top 40 of 194 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
- 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