White Sands in New Mexico vs the state
16.3%Denial rate-2.27 pts vs state
19.1%Decision denial rate-5.61 pts vs state
69.4%Origination rate+16.05 pts vs state
6.75%Median rate+0.13 pts vs state
-0.80Rate spread (pts)-1.18 pts vs state
$73kMedian applicant income
34Loans originated
8Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 39 | 0.0% | 6.88% | #135 |
| 2024 | 21 | 19 | 0.0% | — | #197 |
| 2025 | 49 | 34 | 16.3% | 6.75% | #153 |
What White Sands lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most White Sands applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Doña Ana County | 43 | 32 | 5 | 11.6% |
| Bernalillo County | 1 | 0 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Sierra County | 1 | 0 | 1 | 100.0% |
| Luna County | 1 | 0 | 1 | 100.0% |
| Grant County | 1 | 0 | 1 | 100.0% |
| Otero County | 1 | 1 | 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: 49 applications in 2025, of which 34 were originated and 8 denied.
16.3% of all applications, or 19.1% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans White Sands originated in New Mexico in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are White Sands'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