Del Norte Credit Union in New Mexico vs the state
13.6%Denial rate-4.96 pts vs state
16.7%Decision denial rate-7.99 pts vs state
67.5%Origination rate+14.19 pts vs state
5.88%Median rate-0.75 pts vs state
-0.39Rate spread (pts)-0.77 pts vs state
$123kMedian applicant income
312Loans originated
63Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 508 | 324 | 14.8% | 6.13% | #29 |
| 2024 | 516 | 321 | 20.0% | 6.00% | #31 |
| 2025 | 462 | 312 | 13.6% | 5.88% | #41 |
What Del Norte 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 Del Norte Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Fe County | 223 | 156 | 29 | 13.0% |
| Los Alamos County | 76 | 62 | 3 | 3.9% |
| Bernalillo County | 46 | 28 | 9 | 19.6% |
| Rio Arriba County | 44 | 27 | 9 | 20.5% |
| Sandoval County | 30 | 19 | 4 | 13.3% |
| San Miguel County | 13 | 8 | 2 | 15.4% |
| Taos County | 6 | 4 | 1 | 16.7% |
| Doña Ana County | 6 | 1 | 3 | 50.0% |
| Valencia County | 3 | 1 | 0 | 0.0% |
| Torrance County | 3 | 1 | 1 | 33.3% |
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: 462 applications in 2025, of which 312 were originated and 63 denied.
13.6% 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 Del Norte Credit Union originated in New Mexico in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Del Norte 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