First Savings Bank in New Mexico vs the state
28.2%Denial rate+9.61 pts vs state
30.6%Decision denial rate+5.90 pts vs state
61.5%Origination rate+8.20 pts vs state
—Median rate
—Rate spread (pts)
$72kMedian applicant income
24Loans originated
11Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 26 | 16.3% | — | #130 |
| 2024 | 49 | 27 | 26.5% | — | #133 |
| 2025 | 39 | 24 | 28.2% | — | #165 |
What First Savings Bank lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most First Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Otero County | 12 | 10 | 1 | 8.3% |
| Sierra County | 11 | 7 | 3 | 27.3% |
| Lincoln County | 7 | 3 | 3 | 42.9% |
| Luna County | 5 | 3 | 2 | 40.0% |
| Grant County | 2 | 0 | 1 | 50.0% |
| Sandoval County | 1 | 0 | 1 | 100.0% |
| Doña Ana 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: 39 applications in 2025, of which 24 were originated and 11 denied.
28.2% of all applications, or 30.6% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Savings Bank'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