Rocky Mountain Mortgage in New Mexico vs the state
13.3%Denial rate-5.35 pts vs state
19.3%Decision denial rate-5.36 pts vs state
55.4%Origination rate+2.08 pts vs state
5.31%Median rate-1.31 pts vs state
-0.58Rate spread (pts)-0.96 pts vs state
$106kMedian applicant income
46Loans originated
11Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 48 | 18.7% | 6.38% | #84 |
| 2024 | 177 | 73 | 16.4% | 5.63% | #75 |
| 2025 | 83 | 46 | 13.3% | 5.31% | #111 |
What Rocky Mountain 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 Rocky Mountain Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Doña Ana County | 59 | 43 | 4 | 6.8% |
| Eddy County | 2 | 1 | 0 | 0.0% |
| 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: 83 applications in 2025, of which 46 were originated and 11 denied.
13.3% of all applications, or 19.3% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Rocky Mountain Mortgage originated in New Mexico in 2025 was 5.31%, against a statewide median of 6.63%.
About this data. Figures are Rocky Mountain 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