Mountain America Federal Credit Union in New Mexico vs the state
57.0%Denial rate+38.36 pts vs state
73.8%Decision denial rate+49.11 pts vs state
19.0%Origination rate-34.35 pts vs state
7.50%Median rate+0.88 pts vs state
0.51Rate spread (pts)+0.13 pts vs state
$89kMedian applicant income
15Loans originated
45Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 374 | 137 | 36.9% | 7.74% | #44 |
| 2024 | 393 | 140 | 37.7% | 7.93% | #45 |
| 2025 | 79 | 15 | 57.0% | 7.50% | #116 |
What Mountain America 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 Mountain America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 33 | 8 | 17 | 51.5% |
| Sandoval County | 13 | 3 | 7 | 53.8% |
| Valencia County | 5 | 0 | 4 | 80.0% |
| San Juan County | 4 | 1 | 2 | 50.0% |
| Otero County | 4 | 0 | 3 | 75.0% |
| Doña Ana County | 4 | 2 | 2 | 50.0% |
| Eddy County | 2 | 0 | 2 | 100.0% |
| Taos County | 2 | 0 | 2 | 100.0% |
| McKinley County | 2 | 1 | 1 | 50.0% |
| Grant County | 2 | 0 | 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: 79 applications in 2025, of which 15 were originated and 45 denied.
57.0% of all applications, or 73.8% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Mountain America Federal Credit Union originated in New Mexico in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Mountain America 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