Hometrust Mortgage in New Mexico vs the state
7.4%Denial rate-11.17 pts vs state
11.2%Decision denial rate-13.49 pts vs state
58.0%Origination rate+4.65 pts vs state
6.50%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.19 pts vs state
$104kMedian applicant income
156Loans originated
20Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 225 | 145 | 8.0% | 6.75% | #69 |
| 2024 | 271 | 173 | 8.9% | 6.63% | #60 |
| 2025 | 269 | 156 | 7.4% | 6.50% | #66 |
What Hometrust 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 Hometrust Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 192 | 117 | 10 | 5.2% |
| Sandoval County | 41 | 25 | 3 | 7.3% |
| Valencia County | 16 | 7 | 5 | 31.3% |
| Santa Fe County | 7 | 3 | 1 | 14.3% |
| Torrance County | 6 | 2 | 0 | 0.0% |
| San Miguel County | 3 | 1 | 0 | 0.0% |
| Doña Ana County | 2 | 0 | 1 | 50.0% |
| Colfax County | 1 | 0 | 0 | 0.0% |
| San Juan 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: 269 applications in 2025, of which 156 were originated and 20 denied.
7.4% of all applications, or 11.2% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Hometrust Mortgage originated in New Mexico in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Hometrust 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