Sunflower Bank in New Mexico vs the state
2.8%Denial rate-15.81 pts vs state
3.8%Decision denial rate-20.83 pts vs state
69.7%Origination rate+16.32 pts vs state
6.49%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.22 pts vs state
$118kMedian applicant income
349Loans originated
14Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 289 | 179 | 5.9% | 6.49% | #58 |
| 2024 | 304 | 190 | 6.6% | 6.63% | #54 |
| 2025 | 501 | 349 | 2.8% | 6.49% | #35 |
What Sunflower 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 Sunflower Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Fe County | 175 | 125 | 3 | 1.7% |
| Bernalillo County | 114 | 76 | 3 | 2.6% |
| Los Alamos County | 72 | 56 | 3 | 4.2% |
| Sandoval County | 44 | 34 | 2 | 4.5% |
| Valencia County | 35 | 22 | 1 | 2.9% |
| Rio Arriba County | 12 | 6 | 0 | 0.0% |
| Doña Ana County | 10 | 7 | 1 | 10.0% |
| San Juan County | 6 | 2 | 0 | 0.0% |
| Otero County | 5 | 4 | 0 | 0.0% |
| San Miguel County | 5 | 1 | 1 | 20.0% |
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: 501 applications in 2025, of which 349 were originated and 14 denied.
2.8% of all applications, or 3.8% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Sunflower Bank originated in New Mexico in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Sunflower 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