The Citizens Bank in New Mexico vs the state
15.7%Denial rate-2.94 pts vs state
16.9%Decision denial rate-7.78 pts vs state
66.3%Origination rate+12.93 pts vs state
—Median rate
—Rate spread (pts)
$129kMedian applicant income
55Loans originated
13Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 47 | 19.2% | — | #105 |
| 2024 | 90 | 60 | 16.7% | — | #100 |
| 2025 | 83 | 55 | 15.7% | — | #110 |
What The Citizens Bank lends in New Mexico
By loan purpose
By loan type
Where in New Mexico
Counties with the most The Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Juan County | 83 | 55 | 13 | 15.7% |
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 55 were originated and 13 denied.
15.7% of all applications, or 16.9% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Citizens 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