Home Mortgage Alliance Corporation (HMAC) in New Mexico vs the state
16.7%Denial rate-1.93 pts vs state
33.3%Decision denial rate+8.67 pts vs state
33.3%Origination rate-20.01 pts vs state
9.69%Median rate+3.06 pts vs state
2.38Rate spread (pts)+2.00 pts vs state
$106kMedian applicant income
2Loans originated
1Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 2 | 0.0% | 7.25% | #284 |
| 2025 | 6 | 2 | 16.7% | 9.69% | #302 |
What Home Mortgage Alliance Corporation (HMAC) lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 5 | 1 | 1 | 20.0% |
| Santa Fe 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: 6 applications in 2025, of which 2 were originated and 1 denied.
16.7% of all applications, or 33.3% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in New Mexico in 2025 was 9.69%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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