UMB Bank in New Mexico vs the state
43.0%Denial rate+24.40 pts vs state
46.6%Decision denial rate+21.94 pts vs state
46.9%Origination rate-6.48 pts vs state
5.99%Median rate-0.63 pts vs state
-0.94Rate spread (pts)-1.32 pts vs state
$110kMedian applicant income
97Loans originated
89Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 2 | 42.9% | 6.63% | #268 |
| 2025 | 207 | 97 | 43.0% | 5.99% | #74 |
What UMB 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 UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 69 | 32 | 31 | 44.9% |
| Sandoval County | 37 | 17 | 17 | 45.9% |
| Santa Fe County | 34 | 18 | 13 | 38.2% |
| Colfax County | 16 | 6 | 7 | 43.8% |
| Valencia County | 10 | 6 | 4 | 40.0% |
| Rio Arriba County | 8 | 2 | 4 | 50.0% |
| Los Alamos County | 8 | 4 | 2 | 25.0% |
| Curry County | 6 | 3 | 3 | 50.0% |
| Quay County | 4 | 0 | 3 | 75.0% |
| Union County | 4 | 2 | 1 | 25.0% |
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: 207 applications in 2025, of which 97 were originated and 89 denied.
43.0% of all applications, or 46.6% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans UMB Bank originated in New Mexico in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are UMB 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