Vista Point Mortgage in New Mexico vs the state
22.2%Denial rate+3.62 pts vs state
25.0%Decision denial rate+0.34 pts vs state
66.7%Origination rate+13.33 pts vs state
7.44%Median rate+0.81 pts vs state
—Rate spread (pts)
$628kMedian applicant income
6Loans originated
2Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 11 | 0 | 100.0% | — | #236 |
| 2025 | 9 | 6 | 22.2% | 7.44% | #266 |
What Vista Point Mortgage lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Otero County | 2 | 1 | 1 | 50.0% |
| Cibola County | 2 | 2 | 0 | 0.0% |
| Santa Fe County | 2 | 1 | 0 | 0.0% |
| Colfax County | 1 | 1 | 0 | 0.0% |
| Sandoval County | 1 | 1 | 0 | 0.0% |
| Eddy County | 1 | 0 | 1 | 100.0% |
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: 9 applications in 2025, of which 6 were originated and 2 denied.
22.2% of all applications, or 25.0% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Vista Point Mortgage originated in New Mexico in 2025 was 7.44%, against a statewide median of 6.63%.
About this data. Figures are Vista Point Mortgage'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