Village Capital & Investment in New Mexico vs the state
21.5%Denial rate+2.85 pts vs state
27.2%Decision denial rate+2.53 pts vs state
36.0%Origination rate-17.35 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$89kMedian applicant income
104Loans originated
62Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 27 | 12.9% | 6.25% | #93 |
| 2024 | 265 | 99 | 7.9% | 5.75% | #61 |
| 2025 | 289 | 104 | 21.5% | 5.75% | #63 |
What Village Capital & Investment lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 80 | 21 | 22 | 27.5% |
| Doña Ana County | 42 | 17 | 10 | 23.8% |
| Sandoval County | 34 | 16 | 2 | 5.9% |
| Valencia County | 25 | 13 | 2 | 8.0% |
| Otero County | 19 | 7 | 4 | 21.1% |
| Lea County | 15 | 7 | 2 | 13.3% |
| Santa Fe County | 15 | 6 | 1 | 6.7% |
| Eddy County | 10 | 4 | 1 | 10.0% |
| San Juan County | 8 | 2 | 3 | 37.5% |
| Torrance County | 7 | 0 | 3 | 42.9% |
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: 289 applications in 2025, of which 104 were originated and 62 denied.
21.5% of all applications, or 27.2% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Village Capital & Investment originated in New Mexico in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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