Largest lenders in Los Alamos County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Waterstone Mortgage | C | 100 | 93 | 0.0% | 6.63% |
| 2 | Del Norte Credit Union | C | 76 | 62 | 4.0% | 5.50% |
| 3 | Sunflower Bank | B | 72 | 56 | 4.2% | 6.63% |
| 4 | Rocket Mortgage | C | 58 | 41 | 15.5% | 6.75% |
| 5 | 21st Mortgage | F | 30 | 6 | 33.3% | 9.91% |
| 6 | BOKF | D | 25 | 13 | 16.0% | 6.50% |
| 7 | Navy Federal Credit Union | D | 25 | 10 | 12.0% | 6.63% |
| 8 | United Shore Financial Services | B | 23 | 17 | 8.7% | 6.00% |
| 9 | Enterprise Bank & Trust | D | 22 | 15 | 13.6% | — |
| 10 | Mortgage Research Center | C | 15 | 8 | 20.0% | 6.13% |
| 11 | Freedom Mortgage | B | 14 | 10 | 7.1% | 6.13% |
| 12 | Pennymac Loan Services | C | 13 | 8 | 7.7% | 7.31% |
| 13 | AmeriSave Mortgage | D | 12 | 1 | 75.0% | 9.13% |
| 14 | Figure Lending | C | 12 | 8 | 8.3% | 7.86% |
| 15 | U.S. Bank | D | 10 | 8 | 20.0% | 7.54% |
| 16 | Spring Eq | D | 10 | 4 | 30.0% | 10.08% |
| 17 | Coastal Community Bank | C | 9 | 2 | 0.0% | 8.87% |
| 18 | Discover Bank | F | 8 | 1 | 62.5% | 12.12% |
| 19 | UMB Bank | B | 8 | 4 | 25.0% | 2.99% |
| 20 | JPMorgan Chase Bank | B | 8 | 5 | 12.5% | 6.38% |
| 21 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans | B | 8 | 3 | 0.0% | 5.88% |
| 22 | Nationstar Mortgage | C | 8 | 7 | 0.0% | 7.99% |
| 23 | PHH Mortgage | C | 7 | 5 | 0.0% | 5.99% |
| 24 | USAA Federal Savings Bank | C | 7 | 4 | 28.6% | 6.25% |
| 25 | Bank of America | F | 7 | 4 | 28.6% | 5.99% |
Best approval odds in Los Alamos County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Waterstone Mortgage | 93 | 0.0% |
| 2 | Del Norte Credit Union | 66 | 4.6% |
| 3 | Sunflower Bank | 59 | 5.1% |
| 4 | Rocket Mortgage | 52 | 17.3% |
What Los Alamos County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Los Alamos County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 640 | 437 | 9.4% | 6.63% | $305,000 |
| 2024 | 712 | 492 | 11.8% | 6.63% | $355,000 |
| 2025 | 785 | 503 | 11.1% | 6.38% | $375,000 |
Frequently asked questions
11.1% of applications in Los Alamos County were denied in 2025, against 18.6% statewide in New Mexico.
Waterstone Mortgage, with 100 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Los Alamos County in 2025 was for $375,000; the median property value on originated loans was $585,000.