Mora County, NM Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 113 mortgage applications in Mora County, NM totaling $17.7 million, up 38% from 2024. The average application was for $157,000, and applicants reported an average income of $71,000. 25% of applications resulted in an originated loan and 44% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 34 applications, followed by 21st Mortgage and Credit Human Federal Credit Un.
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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 | 113 |
| Total Mortgage Loan Application Amount | $17,745,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $180,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 34 | $ 4,760,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 20 | $ 3,400,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 10 | $ 1,510,000 |
| State Employees Credit Union 813 ST. MICHAELS DR. SANTA FE, NM 87505 |
* | $ n/a | 5 | $ 585,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 5 | $ 825,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 5 | $ 945,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 4 | $ 290,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 660,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 135,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 725,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 130,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 200,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 380,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 810,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 1 | $ 285,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 395,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ n/a | 1 | $ 195,000 |
| Builders Choice Mortgage LLC 40 SE 5TH ST SUITE 401 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 205,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 85,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 175,000 |
| Gecu 1225 AIRWAY BLVD EL PASO, TX 79925 |
* | $ n/a | 1 | $ 165,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 155,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2025 mortgage applications in Mora 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 Mora County, NM in 2025
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 | 96 | $15,370,000 | $160,000 | $515,000 | $71,000 | $180,000 |
| Cash-out Refinancing | 6 | $730,000 | $121,000 | $195,000 | $51,000 | $71,000 |
| Home Improvement | 5 | $365,000 | $73,000 | $175,000 | $94,000 | $114,000 |
| Refinancing | 5 | $1,205,000 | $241,000 | $395,000 | $74,000 | $88,000 |
| Other Purpose | 1 | $75,000 | $75,000 | $75,000 | $53,000 | $53,000 |
| 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 | 90 | $13,430,000 | $149,000 | $395,000 | $70,000 | $180,000 |
| White | 9 | $1,965,000 | $218,000 | $515,000 | $108,000 | $172,000 |
| Not Provided | 8 | $1,290,000 | $161,000 | $375,000 | $39,000 | $49,000 |
| Not applicable | 4 | $750,000 | $187,000 | $285,000 | $0 | $0 |
| Black or African American | 2 | $310,000 | $155,000 | $155,000 | $80,000 | $88,000 |
| 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) | 99 | $15,315,000 | $154,000 | $515,000 | $71,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,755,000 | $195,000 | $375,000 | $76,000 | $172,000 |
| FHA-insured (Federal Housing Administration) | 5 | $675,000 | $135,000 | $205,000 | $73,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 50 | $7,920,000 | $158,000 | $395,000 | $60,000 | $151,000 |
| Loan Originated | 28 | $4,050,000 | $144,000 | $515,000 | $78,000 | $172,000 |
| File Closed For Incompleteness | 20 | $3,380,000 | $169,000 | $375,000 | $82,000 | $180,000 |
| Application Approved But Not Accepted | 5 | $845,000 | $169,000 | $275,000 | $80,000 | $160,000 |
| Application Withdrawn By Applicant | 5 | $715,000 | $143,000 | $205,000 | $81,000 | $104,000 |
| Loan Purchased By The Institution | 4 | $750,000 | $187,000 | $285,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 1 | $85,000 | $85,000 | $85,000 | $98,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 62 | $9,740,000 | $157,000 | $515,000 | $80,000 | $180,000 |
| Credit History | 22 | $3,130,000 | $142,000 | $215,000 | $58,000 | $124,000 |
| Unverifiable Information | 12 | $1,800,000 | $150,000 | $395,000 | $65,000 | $123,000 |
| Debt-To-Income Ratio | 9 | $1,725,000 | $191,000 | $395,000 | $45,000 | $84,000 |
| Collateral | 4 | $700,000 | $175,000 | $305,000 | $78,000 | $98,000 |
| Credit Application Incomplete | 2 | $280,000 | $140,000 | $195,000 | $46,000 | $62,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $100,000 | $100,000 |
| Employment History | 1 | $325,000 | $325,000 | $325,000 | $151,000 | $151,000 |
| 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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