American Pacific Mortgage in New Mexico vs the state
12.9%Denial rate-5.71 pts vs state
16.7%Decision denial rate-7.93 pts vs state
64.2%Origination rate+10.81 pts vs state
6.63%Median rate0.00 pts vs state
0.48Rate spread (pts)+0.10 pts vs state
$83kMedian applicant income
204Loans originated
41Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 208 | 122 | 9.6% | 6.75% | #71 |
| 2024 | 178 | 112 | 8.4% | 6.75% | #74 |
| 2025 | 318 | 204 | 12.9% | 6.63% | #61 |
What American Pacific Mortgage lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 88 | 57 | 12 | 13.6% |
| Sandoval County | 55 | 32 | 8 | 14.5% |
| Doña Ana County | 38 | 30 | 1 | 2.6% |
| Eddy County | 35 | 24 | 2 | 5.7% |
| Valencia County | 25 | 16 | 1 | 4.0% |
| Santa Fe County | 19 | 12 | 3 | 15.8% |
| Torrance County | 12 | 6 | 5 | 41.7% |
| San Juan County | 10 | 3 | 6 | 60.0% |
| Lincoln County | 6 | 2 | 2 | 33.3% |
| Curry County | 6 | 4 | 0 | 0.0% |
Other large lenders in New Mexico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 4,440 | 20.5% | 6.75% |
| 21st Mortgage | F | 3,992 | 45.5% | 9.60% |
| United Shore Financial Services | B | 3,251 | 12.8% | 6.13% |
| Guild Mortgage | A | 3,186 | 4.3% | 6.63% |
| Nusenda | D | 2,962 | 13.7% | 8.00% |
| Waterstone Mortgage | C | 2,740 | 3.2% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 2,085 | 46.4% | 9.99% |
| Sunward Federal Credit Union | B | 1,765 | 9.1% | 6.50% |
| Mortgage Research Center | C | 1,683 | 15.9% | 6.25% |
| Primary Residential Mortgage | C | 1,497 | 4.9% | 6.63% |
Frequently asked questions
New Mexico: 318 applications in 2025, of which 204 were originated and 41 denied.
12.9% of all applications, or 16.7% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans American Pacific Mortgage originated in New Mexico in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Pacific Mortgage's own HMDA filing for properties located in New Mexico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology