United Shore Financial Services in New Mexico vs the state
12.8%Denial rate-5.83 pts vs state
14.9%Decision denial rate-9.79 pts vs state
70.7%Origination rate+17.35 pts vs state
6.13%Median rate-0.50 pts vs state
0.06Rate spread (pts)-0.32 pts vs state
$102kMedian applicant income
2,298Loans originated
415Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,737 | 1,348 | 9.0% | 6.63% | #6 |
| 2024 | 2,533 | 1,922 | 9.6% | 6.50% | #6 |
| 2025 | 3,251 | 2,298 | 12.8% | 6.13% | #3 |
What United Shore Financial Services lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 1,141 | 822 | 141 | 12.4% |
| Sandoval County | 453 | 333 | 46 | 10.2% |
| Doña Ana County | 367 | 276 | 43 | 11.7% |
| Santa Fe County | 262 | 176 | 41 | 15.6% |
| San Juan County | 179 | 135 | 15 | 8.4% |
| Valencia County | 167 | 104 | 32 | 19.2% |
| Lincoln County | 101 | 61 | 18 | 17.8% |
| Otero County | 82 | 55 | 10 | 12.2% |
| Curry County | 74 | 59 | 6 | 8.1% |
| Eddy County | 65 | 36 | 13 | 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% |
| 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% |
| Loandepot.Com | D | 1,441 | 24.6% | 6.75% |
Frequently asked questions
New Mexico: 3,251 applications in 2025, of which 2,298 were originated and 415 denied.
12.8% of all applications, or 14.9% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans United Shore Financial Services originated in New Mexico in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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