New Mexico Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, New Mexico Bank & Trust of Albuquerque, NM reported 1,087 mortgage applications totaling $270.7 million, down 6% from 2009. The average application was for $248,990, and applicants reported an average income of $159,960. 69% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Santa Fe, NM (696), Albuquerque, NM (266) and Phoenix-Mesa-Glendale, AZ (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 | 1,087 |
| Total Mortgage Loan Application Amount | $270,653,000 |
| Average Mortgage Loan Application Amount | $248,990 |
| Highest Mortgage Loan Application Amount | $2,381,000 |
| Average Applicant Income | $159,960 |
| Highest Applicant Income | $6,137,000 |
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(HMDA) records New Mexico Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 696 | $ 191,197,000 | $ 274,708 | $ 157,000 |
| Bernalillo, New Mexico | 197 | $ 42,491,000 | $ 215,690 | $ 220,000 |
| Sandoval, New Mexico | 44 | $ 9,909,000 | $ 225,204 | $ 130,000 |
| Curry, New Mexico | 33 | $ 4,722,000 | $ 143,090 | $ 88,000 |
| Valencia, New Mexico | 24 | $ 2,571,000 | $ 107,125 | $ 83,000 |
| Rio Arriba, New Mexico | 20 | $ 4,139,000 | $ 206,950 | $ 108,000 |
| San Miguel, New Mexico | 17 | $ 3,317,000 | $ 195,117 | $ 86,000 |
| Los Alamos, New Mexico | 10 | $ 2,344,000 | $ 234,400 | $ 120,000 |
| Taos, New Mexico | 8 | $ 1,319,000 | $ 164,875 | $ 127,000 |
| Roosevelt, New Mexico | 7 | $ 2,141,000 | $ 305,857 | $ 82,000 |
| Maricopa, Arizona | 3 | $ 950,000 | $ 316,666 | $ 243,000 |
| Pima, Arizona | 2 | $ 284,000 | $ 142,000 | $ 82,000 |
| Lincoln, New Mexico | 2 | $ 430,000 | $ 215,000 | $ 36,000 |
| Mora, New Mexico | 2 | $ 285,000 | $ 142,500 | $ 105,000 |
| Quay, New Mexico | 2 | $ 295,000 | $ 147,500 | $ 81,000 |
| San Juan, New Mexico | 2 | $ 200,000 | $ 100,000 | $ 101,000 |
| Coconino, Arizona | 1 | $ 362,000 | $ 362,000 | $ 296,000 |
| Archuleta, Colorado | 1 | $ 273,000 | $ 273,000 | $ 131,000 |
| Denver, Colorado | 1 | $ 216,000 | $ 216,000 | $ 47,000 |
| El Paso, Colorado | 1 | $ 220,000 | $ 220,000 | $ 216,000 |
| Gunnison, Colorado | 1 | $ 417,000 | $ 417,000 | $ 158,000 |
| San Miguel, Colorado | 1 | $ 221,000 | $ 221,000 | $ 69,000 |
| Cook, Illinois | 1 | $ 54,000 | $ 54,000 | $ 165,000 |
| Sagadahoc, Maine | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Colfax, New Mexico | 1 | $ 197,000 | $ 197,000 | $ 181,000 |
| Lea, New Mexico | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Torrance, New Mexico | 1 | $ 14,000 | $ 14,000 | $ 44,000 |
| Clackamas, Oregon | 1 | $ 50,000 | $ 50,000 | $ 140,000 |
| Multnomah, Oregon | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Washington, Oregon | 1 | $ 20,000 | $ 20,000 | $ 100,000 |
| Comal, Texas | 1 | $ 403,000 | $ 403,000 | $ 284,000 |
Mortgage Loan Application Detail Totals for New Mexico Bank & Trust in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 659 | $174,734,000 | $265,000 | $2,381,000 | $179,000 | $6,137,000 |
| Home Purchase | 396 | $95,522,000 | $241,000 | $1,500,000 | $137,000 | $2,412,000 |
| Home Improvement | 32 | $397,000 | $12,000 | $55,000 | $52,000 | $140,000 |
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 | 767 | $201,694,000 | $262,000 | $2,381,000 | $177,000 | $6,137,000 |
| Not Provided | 143 | $35,068,000 | $245,000 | $1,000,000 | $157,000 | $935,000 |
| Hispanic | 141 | $25,143,000 | $178,000 | $525,000 | $89,000 | $430,000 |
| Asian | 17 | $4,958,000 | $291,000 | $559,000 | $172,000 | $1,142,000 |
| Not applicable | 12 | $2,983,000 | $248,000 | $1,112,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $588,000 | $196,000 | $346,000 | $105,000 | $211,000 |
| Black or African American | 3 | $107,000 | $35,000 | $65,000 | $55,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $112,000 | $112,000 | $112,000 | $62,000 | $62,000 |
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) | 1,085 | $269,354,000 | $248,000 | $2,381,000 | $160,000 | $6,137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $1,299,000 | $649,000 | $1,112,000 | $0 | $0 |
| 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 | 748 | $183,094,000 | $244,000 | $2,381,000 | $165,000 | $6,137,000 |
| Application Approved But Not Accepted | 180 | $49,677,000 | $275,000 | $1,500,000 | $169,000 | $2,856,000 |
| Application Denied By Financial Institution | 98 | $20,568,000 | $209,000 | $1,000,000 | $122,000 | $1,889,000 |
| Application Withdrawn By Applicant | 56 | $15,578,000 | $278,000 | $800,000 | $125,000 | $614,000 |
| Preapproval Denied by Financial Institution | 3 | $895,000 | $298,000 | $375,000 | $141,000 | $313,000 |
| File Closed For Incompleteness | 2 | $841,000 | $420,000 | $486,000 | $357,000 | $715,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 2010 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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