Prosperity Home Mortgage in New Mexico vs the state
16.7%Denial rate-1.93 pts vs state
19.7%Decision denial rate-4.99 pts vs state
68.1%Origination rate+14.72 pts vs state
6.25%Median rate-0.38 pts vs state
0.21Rate spread (pts)-0.17 pts vs state
$105kMedian applicant income
49Loans originated
12Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 59 | 27.3% | 6.88% | #91 |
| 2024 | 96 | 61 | 14.6% | 6.63% | #96 |
| 2025 | 72 | 49 | 16.7% | 6.25% | #121 |
What Prosperity Home 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 Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Eddy County | 37 | 27 | 7 | 18.9% |
| Chaves County | 13 | 7 | 1 | 7.7% |
| Curry County | 12 | 10 | 0 | 0.0% |
| Sandoval County | 3 | 2 | 1 | 33.3% |
| Sierra County | 1 | 0 | 1 | 100.0% |
| McKinley County | 1 | 1 | 0 | 0.0% |
| Bernalillo County | 1 | 0 | 1 | 100.0% |
| Los Alamos County | 1 | 1 | 0 | 0.0% |
| Roosevelt County | 1 | 0 | 1 | 100.0% |
| Otero 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: 72 applications in 2025, of which 49 were originated and 12 denied.
16.7% of all applications, or 19.7% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Prosperity Home Mortgage originated in New Mexico in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Prosperity Home 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