Largest lenders in Luna County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Guild Mortgage | A | 87 | 51 | 14.9% | 6.43% |
| 2 | Rocket Mortgage | C | 42 | 23 | 35.7% | 6.88% |
| 3 | 21st Mortgage | F | 36 | 7 | 36.1% | 9.01% |
| 4 | Mortgage Research Center | C | 26 | 11 | 15.4% | 6.50% |
| 5 | Primelending, a Plainscapital | A | 24 | 16 | 4.2% | 6.63% |
| 6 | TIB | C | 19 | 12 | 36.8% | 6.44% |
| 7 | United Shore Financial Services | B | 16 | 10 | 12.5% | 6.19% |
| 8 | Nova Financial & Investment | C | 13 | 6 | 38.5% | 6.44% |
| 9 | Loandepot.Com | D | 13 | 5 | 38.5% | 7.75% |
| 10 | AmeriSave Mortgage | D | 11 | 1 | 54.6% | 6.50% |
| 11 | Broker Solutions | D | 11 | 1 | 9.1% | 6.00% |
| 12 | Click n' Close | C | 11 | 4 | 27.3% | 8.62% |
| 13 | Vanderbilt Mortgage and Finance | F | 11 | 1 | 27.3% | 10.50% |
| 14 | Navy Federal Credit Union | D | 10 | 6 | 20.0% | 6.19% |
| 15 | First Financial Credit Union | D | 10 | 6 | 0.0% | 6.06% |
| 16 | Pennymac Loan Services | C | 9 | 4 | 44.4% | 6.38% |
| 17 | Wells Fargo Bank | B | 9 | 5 | 11.1% | 6.63% |
| 18 | Newrez | D | 9 | 2 | 11.1% | 8.25% |
| 19 | Gateway First Bank | B | 9 | 3 | 0.0% | 6.13% |
| 20 | Bayshore Mortgage Funding | C | 8 | 6 | 12.5% | 6.25% |
| 21 | Commerce Home Mortgage | C | 8 | 6 | 0.0% | 6.31% |
| 22 | Van Dyk Mortgage | B | 7 | 3 | 0.0% | 6.75% |
| 23 | Coastal Community Bank | C | 7 | 1 | 14.3% | 10.49% |
| 24 | GoodLeap | C | 6 | 3 | 16.7% | 7.85% |
| 25 | Southwest Stage Funding | F | 6 | 1 | 0.0% | 11.65% |
Best approval odds in Luna County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 72 | 18.1% |
What Luna County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Luna County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 443 | 189 | 27.8% | 6.88% | $115,000 |
| 2024 | 513 | 226 | 26.1% | 6.75% | $125,000 |
| 2025 | 568 | 251 | 22.2% | 6.63% | $135,000 |
Frequently asked questions
22.2% of applications in Luna County were denied in 2025, against 18.6% statewide in New Mexico.
Guild Mortgage, with 87 applications in 2025 and a denial rate of 14.9%.
The median mortgage application in Luna County in 2025 was for $135,000; the median property value on originated loans was $205,000.