First United Bank and Trust in New Mexico vs the state
0.0%Denial rate-18.60 pts vs state
0.0%Decision denial rate-24.66 pts vs state
75.0%Origination rate+21.66 pts vs state
7.00%Median rate+0.38 pts vs state
0.51Rate spread (pts)+0.13 pts vs state
$220kMedian applicant income
6Loans originated
0Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 5 | 0.0% | 7.50% | #272 |
| 2024 | 9 | 4 | 11.1% | 6.81% | #258 |
| 2025 | 8 | 6 | 0.0% | 7.00% | #271 |
What First United Bank and Trust lends in New Mexico
By loan purpose
By loan type
Where in New Mexico
Counties with the most First United Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Fe County | 3 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Eddy County | 1 | 0 | 0 | 0.0% |
| Taos County | 1 | 1 | 0 | 0.0% |
| Bernalillo County | 1 | 1 | 0 | 0.0% |
| 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: 8 applications in 2025, of which 6 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans First United Bank and Trust originated in New Mexico in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are First United Bank and Trust'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