Guild Mortgage in New Mexico vs the state
4.3%Denial rate-14.33 pts vs state
5.5%Decision denial rate-19.19 pts vs state
68.2%Origination rate+14.86 pts vs state
6.63%Median rate0.00 pts vs state
0.38Rate spread (pts)0.00 pts vs state
$82kMedian applicant income
2,173Loans originated
136Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,722 | 1,158 | 3.5% | 6.99% | #7 |
| 2024 | 3,252 | 2,245 | 3.8% | 6.88% | #3 |
| 2025 | 3,186 | 2,173 | 4.3% | 6.63% | #4 |
What Guild Mortgage lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 1,316 | 935 | 46 | 3.5% |
| Sandoval County | 419 | 284 | 12 | 2.9% |
| Doña Ana County | 374 | 267 | 21 | 5.6% |
| Valencia County | 178 | 110 | 14 | 7.9% |
| San Juan County | 159 | 103 | 5 | 3.1% |
| Santa Fe County | 156 | 102 | 4 | 2.6% |
| Eddy County | 89 | 55 | 4 | 4.5% |
| Luna County | 87 | 51 | 13 | 14.9% |
| Grant County | 85 | 56 | 6 | 7.1% |
| Curry County | 45 | 31 | 3 | 6.7% |
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% |
| 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% |
| Loandepot.Com | D | 1,441 | 24.6% | 6.75% |
Frequently asked questions
New Mexico: 3,186 applications in 2025, of which 2,173 were originated and 136 denied.
4.3% of all applications, or 5.5% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Guild Mortgage originated in New Mexico in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guild Mortgage'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