New Mexico Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, New Mexico Bank & Trust of Albuquerque, NM reported 458 mortgage applications totaling $107.4 million, up 2% from 2006. The average application was for $234,430, and applicants reported an average income of $140,401. 85% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Santa Fe, NM (249), Albuquerque, NM (110) and Austin-Round Rock, TX (3) (applications in parentheses).
| Mortgage Company & Address | New Mexico Bank & Trust 320 Gold Sw Ste 100 Albuquerque, NM 87102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 458 |
| Total Mortgage Loan Application Amount | $107,369,000 |
| Average Mortgage Loan Application Amount | $234,430 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $140,401 |
| Highest Applicant Income | $2,663,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records New Mexico Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Fe, New Mexico | 249 | $ 75,135,000 | $ 301,746 | $ 160,000 |
| Bernalillo, New Mexico | 72 | $ 9,715,000 | $ 134,930 | $ 120,000 |
| Curry, New Mexico | 31 | $ 2,902,000 | $ 93,612 | $ 83,000 |
| Sandoval, New Mexico | 24 | $ 4,084,000 | $ 170,166 | $ 85,000 |
| Valencia, New Mexico | 12 | $ 466,000 | $ 38,833 | $ 78,000 |
| Roosevelt, New Mexico | 6 | $ 440,000 | $ 73,333 | $ 71,000 |
| Socorro, New Mexico | 4 | $ 499,000 | $ 124,750 | $ 61,000 |
| Taos, New Mexico | 4 | $ 804,000 | $ 201,000 | $ 146,000 |
| Maricopa, Arizona | 3 | $ 921,000 | $ 307,000 | $ 200,000 |
| Los Alamos, New Mexico | 3 | $ 662,000 | $ 220,666 | $ 135,000 |
| Rio Arriba, New Mexico | 3 | $ 688,000 | $ 229,333 | $ 94,000 |
| San Miguel, New Mexico | 3 | $ 471,000 | $ 157,000 | $ 318,000 |
| Travis, Texas | 3 | $ 407,000 | $ 135,666 | $ 104,000 |
| Archuleta, Colorado | 2 | $ 461,000 | $ 230,500 | $ 107,000 |
| Conejos, Colorado | 2 | $ 136,000 | $ 68,000 | $ 53,000 |
| De Baca, New Mexico | 2 | $ 152,000 | $ 76,000 | $ 82,000 |
| Dona Ana, New Mexico | 2 | $ 157,000 | $ 78,500 | $ 57,000 |
| Lincoln, New Mexico | 2 | $ 1,162,000 | $ 581,000 | $ 431,000 |
| Quay, New Mexico | 2 | $ 115,000 | $ 57,500 | $ 102,000 |
| Torrance, New Mexico | 2 | $ 257,000 | $ 128,500 | $ 11,000 |
| Grant, Oregon | 2 | $ 87,000 | $ 43,500 | $ 225,000 |
| Randall, Texas | 2 | $ 134,000 | $ 67,000 | $ 42,000 |
| Island, Washington | 2 | $ 535,000 | $ 267,500 | $ 135,000 |
| Alameda, California | 1 | $ 671,000 | $ 671,000 | $ 457,000 |
| Mendocino, California | 1 | $ 383,000 | $ 383,000 | $ 353,000 |
| San Diego, California | 1 | $ 1,132,000 | $ 1,132,000 | $ 756,000 |
| Boulder, Colorado | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Denver, Colorado | 1 | $ 223,000 | $ 223,000 | $ 39,000 |
| Douglas, Colorado | 1 | $ 504,000 | $ 504,000 | $ 546,000 |
| El Paso, Colorado | 1 | $ 495,000 | $ 495,000 | $ 150,000 |
| Garfield, Colorado | 1 | $ 212,000 | $ 212,000 | $ 105,000 |
| Hillsborough, Florida | 1 | $ 127,000 | $ 127,000 | $ 52,000 |
| Palm Beach, Florida | 1 | $ 200,000 | $ 200,000 | $ 66,000 |
| Camden, Missouri | 1 | $ 93,000 | $ 93,000 | $ 102,000 |
| Clark, Nevada | 1 | $ 213,000 | $ 213,000 | $ 78,000 |
| Cheshire, New Hampshire | 1 | $ 212,000 | $ 212,000 | $ 104,000 |
| Sierra, New Mexico | 1 | $ 130,000 | $ 130,000 | $ 128,000 |
| Richmond, New York | 1 | $ 220,000 | $ 220,000 | $ 80,000 |
| Onslow, North Carolina | 1 | $ 1,320,000 | $ 1,320,000 | $ 300,000 |
| Payne, Oklahoma | 1 | $ 153,000 | $ 153,000 | $ 187,000 |
| Rogers, Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| Tulsa, Oklahoma | 1 | $ 57,000 | $ 57,000 | $ 32,000 |
| Multnomah, Oregon | 1 | $ 253,000 | $ 253,000 | $ 271,000 |
| Albemarle, Virginia | 1 | $ 206,000 | $ 206,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for New Mexico Bank & Trust in 2007
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 | 254 | $59,401,000 | $233,000 | $2,000,000 | $154,000 | $2,663,000 |
| Refinancing | 162 | $44,601,000 | $275,000 | $1,400,000 | $135,000 | $1,418,000 |
| Home Improvement | 42 | $3,367,000 | $80,000 | $1,017,000 | $79,000 | $328,000 |
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 |
|---|---|---|---|---|---|---|
| White | 312 | $80,285,000 | $257,000 | $1,400,000 | $148,000 | $1,570,000 |
| Hispanic | 91 | $14,393,000 | $158,000 | $1,380,000 | $95,000 | $884,000 |
| Not Provided | 34 | $8,268,000 | $243,000 | $2,000,000 | $209,000 | $2,663,000 |
| Not applicable | 10 | $2,883,000 | $288,000 | $1,017,000 | $141,000 | $1,418,000 |
| Black or African American | 6 | $801,000 | $133,000 | $292,000 | $68,000 | $126,000 |
| Asian | 3 | $598,000 | $199,000 | $320,000 | $98,000 | $195,000 |
| American Indian or Alaskan Native | 2 | $141,000 | $70,000 | $88,000 | $70,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 457 | $107,258,000 | $234,000 | $2,000,000 | $141,000 | $2,663,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $111,000 | $111,000 | $111,000 | $45,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 390 | $96,082,000 | $246,000 | $2,000,000 | $149,000 | $2,663,000 |
| Application Denied By Financial Institution | 32 | $1,359,000 | $42,000 | $169,000 | $52,000 | $198,000 |
| Application Approved But Not Accepted | 25 | $7,041,000 | $281,000 | $1,380,000 | $134,000 | $345,000 |
| Application Withdrawn By Applicant | 11 | $2,887,000 | $262,000 | $731,000 | $118,000 | $360,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into New Mexico Bank & Trust's 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess New Mexico Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Mexico, download the full spreadsheet
with aggregated HMDA statistics today.
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