Homeamerican Mortgage in New Mexico vs the state
10.6%Denial rate-7.96 pts vs state
11.5%Decision denial rate-13.21 pts vs state
71.6%Origination rate+18.29 pts vs state
4.50%Median rate-2.13 pts vs state
-1.69Rate spread (pts)-2.07 pts vs state
$120kMedian applicant income
101Loans originated
15Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 23 | 23.7% | 5.75% | #139 |
| 2024 | 103 | 74 | 5.8% | 5.19% | #93 |
| 2025 | 141 | 101 | 10.6% | 4.50% | #92 |
What Homeamerican 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 Homeamerican Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sandoval County | 97 | 66 | 12 | 12.4% |
| Valencia County | 38 | 30 | 3 | 7.9% |
| Bernalillo County | 6 | 5 | 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: 141 applications in 2025, of which 101 were originated and 15 denied.
10.6% of all applications, or 11.5% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Homeamerican Mortgage originated in New Mexico in 2025 was 4.50%, against a statewide median of 6.63%.
About this data. Figures are Homeamerican 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