Guadalupe County, NM Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 72 mortgage applications in Guadalupe County, NM totaling $9.4 million, down 38% from 2022. The average application was for $130,000, and applicants reported an average income of $69,000. 36% of applications resulted in an originated loan and 26% were denied. The most active lender was Guild Mortgage Company, with 9 applications, followed by 21st Mortgage and Vanderbilt Mortgage and Finance, Inc.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 72 |
| Total Mortgage Loan Application Amount | $9,380,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $155,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 9 | $ 1,435,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 1,225,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 8 | $ 1,110,000 |
| State Employees Credit Union 813 ST. MICHAELS DR. SANTA FE, NM 87505 |
* | $ 1,068,857,000 | 6 | $ 340,000 |
| Nusenda Federal Credit Union PO BOX 8530 ALBUQUERQUE, NM 87107 |
* | $ 4,057,057,000 | 4 | $ 250,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 3 | $ 465,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 100,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 360,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 290,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 480,000 |
| Htlf Bank 1800 LARIMER ST #1800 DENVER, CO 80202 |
* | $ 9,178,296,000 | 2 | $ 140,000 |
| Sandia Area Federal Credit Uni PO BOX 18044 ALBUQUERQUE, NM 87185 |
* | $ 1,105,283,000 | 1 | $ 75,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 75,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 255,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 75,000 |
| Sunward 3707 JUAN TABO NE ALBUQUERQUE, NM 87109 |
* | $ 3,462,666,000 | 1 | $ 55,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 205,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 175,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 195,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 235,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 45,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 255,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 195,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 65,000 |
The tables below break down 2023 mortgage applications in Guadalupe County, NM by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Guadalupe County, NM in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 37 | $5,645,000 | $152,000 | $285,000 | $65,000 | $155,000 |
| Cash-out Refinancing | 11 | $1,495,000 | $135,000 | $255,000 | $75,000 | $129,000 |
| Refinancing | 11 | $1,175,000 | $106,000 | $255,000 | $80,000 | $154,000 |
| Other Purpose | 9 | $775,000 | $86,000 | $205,000 | $62,000 | $122,000 |
| Home Improvement | 4 | $290,000 | $72,000 | $135,000 | $92,000 | $131,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 54 | $7,010,000 | $129,000 | $285,000 | $68,000 | $155,000 |
| Not Provided | 9 | $975,000 | $108,000 | $195,000 | $77,000 | $139,000 |
| White | 7 | $965,000 | $137,000 | $205,000 | $66,000 | $124,000 |
| Not applicable | 2 | $430,000 | $215,000 | $275,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 49 | $5,345,000 | $109,000 | $255,000 | $67,000 | $154,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,895,000 | $145,000 | $255,000 | $74,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,625,000 | $232,000 | $285,000 | $77,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $515,000 | $171,000 | $175,000 | $70,000 | $74,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 26 | $3,660,000 | $140,000 | $275,000 | $73,000 | $139,000 |
| Application Denied By Financial Institution | 19 | $2,285,000 | $120,000 | $255,000 | $61,000 | $131,000 |
| Application Withdrawn By Applicant | 12 | $1,770,000 | $147,000 | $255,000 | $84,000 | $154,000 |
| File Closed For Incompleteness | 10 | $940,000 | $94,000 | $285,000 | $60,000 | $155,000 |
| Application Approved But Not Accepted | 3 | $295,000 | $98,000 | $155,000 | $54,000 | $62,000 |
| Loan Purchased By The Institution | 2 | $430,000 | $215,000 | $275,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 53 | $7,095,000 | $133,000 | $285,000 | $72,000 | $155,000 |
| Debt-To-Income Ratio | 7 | $995,000 | $142,000 | $255,000 | $36,000 | $85,000 |
| Collateral | 4 | $350,000 | $87,000 | $135,000 | $110,000 | $131,000 |
| Unverifiable Information | 3 | $375,000 | $125,000 | $175,000 | $72,000 | $90,000 |
| Other | 2 | $290,000 | $145,000 | $205,000 | $100,000 | $100,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $12,000 | $12,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $46,000 | $46,000 |
| Credit History | 1 | $85,000 | $85,000 | $85,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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