Click n' Close in New Mexico vs the state
4.0%Denial rate-14.59 pts vs state
5.3%Decision denial rate-19.40 pts vs state
71.5%Origination rate+18.18 pts vs state
6.50%Median rate-0.13 pts vs state
3.57Rate spread (pts)+3.19 pts vs state
$89kMedian applicant income
339Loans originated
19Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 376 | 273 | 2.9% | 6.75% | #43 |
| 2024 | 456 | 321 | 1.1% | 6.63% | #39 |
| 2025 | 474 | 339 | 4.0% | 6.50% | #38 |
What Click n' Close lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Otero County | 134 | 123 | 0 | 0.0% |
| Bernalillo County | 119 | 93 | 2 | 1.7% |
| Doña Ana County | 62 | 30 | 8 | 12.9% |
| San Juan County | 31 | 18 | 2 | 6.5% |
| Grant County | 28 | 15 | 1 | 3.6% |
| Sandoval County | 23 | 18 | 1 | 4.3% |
| Valencia County | 17 | 10 | 0 | 0.0% |
| Eddy County | 15 | 8 | 0 | 0.0% |
| Luna County | 11 | 4 | 3 | 27.3% |
| Santa Fe County | 10 | 7 | 1 | 10.0% |
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: 474 applications in 2025, of which 339 were originated and 19 denied.
4.0% of all applications, or 5.3% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Click n' Close originated in New Mexico in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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