Credit Human Federal Credit Union in New Mexico vs the state
81.2%Denial rate+62.56 pts vs state
81.4%Decision denial rate+56.73 pts vs state
4.2%Origination rate-49.18 pts vs state
8.00%Median rate+1.38 pts vs state
2.43Rate spread (pts)+2.05 pts vs state
$64kMedian applicant income
15Loans originated
293Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 298 | 24 | 85.2% | 7.90% | #56 |
| 2024 | 429 | 28 | 83.9% | 8.50% | #40 |
| 2025 | 361 | 15 | 81.2% | 8.00% | #51 |
What Credit Human Federal Credit Union lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Doña Ana County | 55 | 1 | 45 | 81.8% |
| McKinley County | 39 | 1 | 37 | 94.9% |
| San Juan County | 37 | 4 | 25 | 67.6% |
| San Miguel County | 31 | 1 | 26 | 83.9% |
| Bernalillo County | 28 | 3 | 22 | 78.6% |
| Otero County | 20 | 2 | 14 | 70.0% |
| Valencia County | 18 | 0 | 18 | 100.0% |
| Eddy County | 12 | 0 | 12 | 100.0% |
| Lea County | 12 | 1 | 10 | 83.3% |
| Santa Fe County | 11 | 0 | 9 | 81.8% |
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: 361 applications in 2025, of which 15 were originated and 293 denied.
81.2% of all applications, or 81.4% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Credit Human Federal Credit Union originated in New Mexico in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Credit Human Federal Credit Union'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