The Central Trust Bank in New Mexico vs the state
16.7%Denial rate-1.93 pts vs state
40.0%Decision denial rate+15.34 pts vs state
25.0%Origination rate-28.34 pts vs state
6.99%Median rate+0.37 pts vs state
0.19Rate spread (pts)-0.19 pts vs state
$140kMedian applicant income
3Loans originated
2Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 12 | 0.0% | 6.25% | #175 |
| 2024 | 25 | 14 | 0.0% | 6.81% | #185 |
| 2025 | 12 | 3 | 16.7% | 6.99% | #240 |
What The Central Trust 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 The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Juan County | 4 | 1 | 1 | 25.0% |
| Santa Fe County | 2 | 1 | 0 | 0.0% |
| Taos County | 1 | 0 | 1 | 100.0% |
| Doña Ana County | 1 | 0 | 0 | 0.0% |
| Bernalillo County | 1 | 0 | 0 | 0.0% |
| Rio Arriba County | 1 | 0 | 0 | 0.0% |
| Los Alamos County | 1 | 0 | 0 | 0.0% |
| Sandoval 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: 12 applications in 2025, of which 3 were originated and 2 denied.
16.7% of all applications, or 40.0% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans The Central Trust Bank originated in New Mexico in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust 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