Citizens Bank of Las Cruces in New Mexico vs the state
3.3%Denial rate-15.30 pts vs state
3.7%Decision denial rate-20.97 pts vs state
85.8%Origination rate+32.45 pts vs state
6.63%Median rate0.00 pts vs state
0.14Rate spread (pts)-0.24 pts vs state
$110kMedian applicant income
338Loans originated
13Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 367 | 320 | 4.4% | 6.88% | #46 |
| 2024 | 374 | 321 | 4.3% | 6.88% | #47 |
| 2025 | 394 | 338 | 3.3% | 6.63% | #47 |
What Citizens Bank of Las Cruces lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Citizens Bank of Las Cruces applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Doña Ana County | 361 | 312 | 11 | 3.0% |
| Sierra County | 13 | 10 | 1 | 7.7% |
| Lincoln County | 7 | 7 | 0 | 0.0% |
| Otero County | 7 | 4 | 0 | 0.0% |
| Luna County | 2 | 1 | 1 | 50.0% |
| Bernalillo County | 2 | 2 | 0 | 0.0% |
| Santa Fe County | 1 | 1 | 0 | 0.0% |
| Grant County | 1 | 1 | 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: 394 applications in 2025, of which 338 were originated and 13 denied.
3.3% of all applications, or 3.7% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Citizens Bank of Las Cruces originated in New Mexico in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Citizens Bank of Las Cruces'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