Top Flite Financial in New Mexico vs the state
15.8%Denial rate-2.81 pts vs state
35.3%Decision denial rate+10.63 pts vs state
29.0%Origination rate-24.39 pts vs state
6.63%Median rate0.00 pts vs state
1.10Rate spread (pts)+0.72 pts vs state
$80kMedian applicant income
11Loans originated
6Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 13 | 18.8% | 7.25% | #148 |
| 2024 | 41 | 22 | 17.1% | 7.06% | #151 |
| 2025 | 38 | 11 | 15.8% | 6.63% | #166 |
What Top Flite Financial lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 21 | 6 | 2 | 9.5% |
| Otero County | 4 | 1 | 2 | 50.0% |
| Doña Ana County | 3 | 0 | 1 | 33.3% |
| San Juan County | 2 | 2 | 0 | 0.0% |
| Colfax County | 2 | 0 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 0 | 0.0% |
| Los Alamos County | 1 | 1 | 0 | 0.0% |
| Lea County | 1 | 0 | 0 | 0.0% |
| Eddy County | 1 | 0 | 1 | 100.0% |
| San Miguel County | 1 | 0 | 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: 38 applications in 2025, of which 11 were originated and 6 denied.
15.8% of all applications, or 35.3% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Top Flite Financial originated in New Mexico in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Top Flite Financial'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