Champions Funding in New Mexico vs the state
11.6%Denial rate-6.97 pts vs state
17.9%Decision denial rate-6.80 pts vs state
53.5%Origination rate+0.15 pts vs state
7.75%Median rate+1.13 pts vs state
—Rate spread (pts)
$974kMedian applicant income
23Loans originated
5Denied
What Champions Funding lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 19 | 10 | 1 | 5.3% |
| San Juan County | 6 | 4 | 1 | 16.7% |
| Doña Ana County | 4 | 3 | 0 | 0.0% |
| Santa Fe County | 4 | 3 | 0 | 0.0% |
| Lea County | 2 | 0 | 1 | 50.0% |
| Lincoln County | 2 | 0 | 1 | 50.0% |
| Taos County | 1 | 1 | 0 | 0.0% |
| Curry County | 1 | 1 | 0 | 0.0% |
| Otero County | 1 | 0 | 0 | 0.0% |
| Sandoval County | 1 | 0 | 1 | 100.0% |
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: 43 applications in 2025, of which 23 were originated and 5 denied.
11.6% of all applications, or 17.9% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Champions Funding originated in New Mexico in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Champions Funding'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