Largest lenders in McKinley County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 329 | 34 | 54.7% | 10.99% |
| 2 | 21st Mortgage | F | 82 | 17 | 47.6% | 10.29% |
| 3 | Bank of Colorado | C | 45 | 25 | 24.4% | 6.63% |
| 4 | Rocket Mortgage | C | 43 | 30 | 16.3% | 6.88% |
| 5 | Credit Human Federal Credit Union | D | 39 | 1 | 94.9% | 7.70% |
| 6 | Waterstone Mortgage | C | 32 | 22 | 12.5% | 6.81% |
| 7 | Mortgage Research Center | C | 27 | 13 | 7.4% | 6.25% |
| 8 | Triad Financial Services | D | 23 | 0 | 73.9% | — |
| 9 | BOKF | D | 22 | 16 | 9.1% | 6.63% |
| 10 | Calcon Mutual Mortgage | D | 20 | 15 | 0.0% | 7.00% |
| 11 | Guild Mortgage | A | 19 | 15 | 0.0% | 6.69% |
| 12 | U.S. Bank | D | 15 | 4 | 66.7% | 6.83% |
| 13 | Carrington Mortgage Services | D | 11 | 2 | 36.4% | 8.44% |
| 14 | Loandepot.Com | D | 11 | 2 | 54.6% | 7.75% |
| 15 | Navy Federal Credit Union | D | 11 | 5 | 18.2% | 6.88% |
| 16 | United Shore Financial Services | B | 9 | 6 | 11.1% | 6.19% |
| 17 | Newrez | D | 9 | 3 | 22.2% | 8.00% |
| 18 | Broker Solutions | D | 9 | 0 | 0.0% | — |
| 19 | Bank of America | F | 8 | 1 | 37.5% | 6.24% |
| 20 | CMG Mortgage | A | 8 | 8 | 0.0% | 6.63% |
| 21 | First Financial Credit Union | D | 8 | 6 | 12.5% | 6.81% |
| 22 | Freedom Mortgage | B | 7 | 2 | 14.3% | 6.63% |
| 23 | Primary Residential Mortgage | C | 7 | 3 | 0.0% | 6.99% |
| 24 | Click n' Close | C | 6 | 3 | 16.7% | 6.38% |
| 25 | Pennymac Loan Services | C | 5 | 2 | 0.0% | 10.37% |
Best approval odds in McKinley County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 56 | 69.6% |
| 2 | Vanderbilt Mortgage and Finance | 227 | 79.3% |
What McKinley County borrowers applied for
By loan purpose
By loan type
Why applications were denied
McKinley County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 844 | 206 | 42.9% | 7.13% | $115,000 |
| 2024 | 791 | 221 | 43.0% | 7.13% | $115,000 |
| 2025 | 934 | 288 | 38.8% | 6.99% | $115,000 |
Frequently asked questions
38.8% of applications in McKinley County were denied in 2025, against 18.6% statewide in New Mexico.
Vanderbilt Mortgage and Finance, with 329 applications in 2025 and a denial rate of 54.7%.
The median mortgage application in McKinley County in 2025 was for $115,000; the median property value on originated loans was $225,000.