NBKC Bank in New Mexico vs the state
9.2%Denial rate-9.45 pts vs state
12.2%Decision denial rate-12.51 pts vs state
66.2%Origination rate+12.86 pts vs state
6.13%Median rate-0.50 pts vs state
-0.23Rate spread (pts)-0.61 pts vs state
$137kMedian applicant income
94Loans originated
13Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 95 | 5.9% | 6.13% | #85 |
| 2024 | 141 | 95 | 5.0% | 6.13% | #84 |
| 2025 | 142 | 94 | 9.2% | 6.13% | #91 |
What NBKC Bank lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 49 | 33 | 5 | 10.2% |
| Santa Fe County | 19 | 10 | 3 | 15.8% |
| Otero County | 14 | 11 | 0 | 0.0% |
| Curry County | 12 | 7 | 0 | 0.0% |
| Sandoval County | 11 | 7 | 2 | 18.2% |
| Doña Ana County | 10 | 7 | 0 | 0.0% |
| Los Alamos County | 5 | 4 | 1 | 20.0% |
| San Juan County | 5 | 3 | 1 | 20.0% |
| Lea County | 3 | 2 | 0 | 0.0% |
| Taos County | 2 | 2 | 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: 142 applications in 2025, of which 94 were originated and 13 denied.
9.2% of all applications, or 12.2% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans NBKC Bank originated in New Mexico in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are NBKC Bank'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