Guadalupe County, NM Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 89 mortgage applications in Guadalupe County, NM totaling $15.2 million, up 24% from 2023. The average application was for $171,000, and applicants reported an average income of $89,000. 38% of applications resulted in an originated loan and 39% were denied. The most active lender was Guild Mortgage Company, with 20 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 | 89 |
| Total Mortgage Loan Application Amount | $15,225,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $1,035,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $1,283,000 |
| 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 |
* | $ n/a | 20 | $ 3,190,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 14 | $ 1,970,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 10 | $ 1,070,000 |
| Htlf Bank 1800 LARIMER ST #1800 DENVER, CO 80202 |
* | $ n/a | 6 | $ 390,000 |
| State Employees Credit Union 813 ST. MICHAELS DR. SANTA FE, NM 87505 |
* | $ n/a | 3 | $ 135,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 605,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 225,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 470,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 170,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 1,320,000 |
| Nusenda Federal Credit Union PO BOX 8530 ALBUQUERQUE, NM 87107 |
* | $ n/a | 2 | $ 140,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 2 | $ 420,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 150,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 125,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 155,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 175,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 275,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 1,035,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 65,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 145,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 255,000 |
| Lrs Financial Network dba Hnb Mortgage 2101 W. WADLEY STE. 36 MIDLAND, TX 79705 |
* | $ n/a | 1 | $ 965,000 |
| Sunward 3707 JUAN TABO NE ALBUQUERQUE, NM 87109 |
* | $ n/a | 1 | $ 55,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 295,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 965,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 25,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 45,000 |
The tables below break down 2024 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 2024
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 | 49 | $7,675,000 | $156,000 | $965,000 | $66,000 | $296,000 |
| Cash-out Refinancing | 15 | $5,195,000 | $346,000 | $1,035,000 | $102,000 | $302,000 |
| Home Improvement | 9 | $595,000 | $66,000 | $105,000 | $232,000 | $1,283,000 |
| Other Purpose | 8 | $570,000 | $71,000 | $175,000 | $71,000 | $152,000 |
| Refinancing | 7 | $1,165,000 | $166,000 | $295,000 | $35,000 | $79,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 59 | $7,025,000 | $119,000 | $285,000 | $68,000 | $180,000 |
| Not Provided | 15 | $1,885,000 | $125,000 | $215,000 | $141,000 | $1,283,000 |
| White | 10 | $4,520,000 | $452,000 | $1,035,000 | $132,000 | $302,000 |
| Not applicable | 4 | $1,500,000 | $375,000 | $1,035,000 | $0 | $0 |
| Black or African American | 1 | $295,000 | $295,000 | $295,000 | $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 |
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) | 61 | $9,625,000 | $157,000 | $1,035,000 | $99,000 | $1,283,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,910,000 | $181,000 | $375,000 | $67,000 | $152,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,065,000 | $229,000 | $295,000 | $59,000 | $91,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $625,000 | $208,000 | $215,000 | $80,000 | $107,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 35 | $5,215,000 | $149,000 | $965,000 | $98,000 | $1,283,000 |
| Loan Originated | 34 | $5,360,000 | $157,000 | $1,035,000 | $77,000 | $302,000 |
| File Closed For Incompleteness | 7 | $1,715,000 | $245,000 | $965,000 | $89,000 | $296,000 |
| Application Withdrawn By Applicant | 5 | $445,000 | $89,000 | $225,000 | $91,000 | $159,000 |
| Application Approved But Not Accepted | 4 | $990,000 | $247,000 | $375,000 | $99,000 | $124,000 |
| Loan Purchased By The Institution | 4 | $1,500,000 | $375,000 | $1,035,000 | $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 | 54 | $10,010,000 | $185,000 | $1,035,000 | $82,000 | $302,000 |
| Credit History | 16 | $1,910,000 | $119,000 | $275,000 | $139,000 | $1,283,000 |
| Debt-To-Income Ratio | 10 | $1,380,000 | $138,000 | $275,000 | $39,000 | $64,000 |
| Collateral | 3 | $1,305,000 | $435,000 | $965,000 | $146,000 | $296,000 |
| Unverifiable Information | 3 | $365,000 | $121,000 | $175,000 | $73,000 | $152,000 |
| Other | 2 | $210,000 | $105,000 | $125,000 | $65,000 | $105,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $21,000 | $21,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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