Kirtland Federal Credit Union in New Mexico vs the state
22.3%Denial rate+3.73 pts vs state
24.3%Decision denial rate-0.36 pts vs state
56.6%Origination rate+3.23 pts vs state
7.50%Median rate+0.88 pts vs state
0.64Rate spread (pts)+0.26 pts vs state
$108kMedian applicant income
504Loans originated
199Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 853 | 481 | 25.0% | 7.25% | #15 |
| 2024 | 744 | 439 | 27.8% | 7.75% | #22 |
| 2025 | 891 | 504 | 22.3% | 7.50% | #20 |
What Kirtland Federal Credit Union lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Kirtland Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 517 | 347 | 100 | 19.3% |
| Sandoval County | 123 | 89 | 26 | 21.1% |
| Valencia County | 49 | 29 | 12 | 24.5% |
| Santa Fe County | 29 | 20 | 6 | 20.7% |
| Torrance County | 5 | 2 | 2 | 40.0% |
| Rio Arriba County | 5 | 2 | 0 | 0.0% |
| Doña Ana County | 4 | 4 | 0 | 0.0% |
| Socorro County | 4 | 3 | 1 | 25.0% |
| San Juan County | 3 | 1 | 2 | 66.7% |
| Chaves County | 3 | 0 | 2 | 66.7% |
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% |
| 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: 891 applications in 2025, of which 504 were originated and 199 denied.
22.3% of all applications, or 24.3% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Kirtland Federal Credit Union originated in New Mexico in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Kirtland Federal Credit Union'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