Union County, NM Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 90 mortgage applications in Union County, NM totaling $7.7 million, down 13% from 2014. The average application was for $86,000, and applicants reported an average income of $61,000. 47% of applications resulted in an originated loan and 30% were denied. The most active lender was Farmers & Stockmens Bank, with 16 applications, followed by Happy State Bank and 21st Mortgage.
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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 | 90 |
| Total Mortgage Loan Application Amount | $7,747,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $342,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Farmers & Stockmens Bank 22 MAPLE STREET CLAYTON, NM 88415 |
* | $ 178,503,000 | 16 | $ 1,153,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 2,570,931,000 | 10 | $ 381,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 263,000 |
| Captex Bank, National Association PO BOX 4 TRENTON, TX 75490 |
* | $ 160,030,000 | 4 | $ 474,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 4 | $ 365,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 306,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 246,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 3 | $ 306,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 311,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 81,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 2 | $ 46,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 269,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 2 | $ 304,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 100,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 263,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 104,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 38,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 20,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 40,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 79,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 132,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 150,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 40,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 135,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 75,000 |
| Nusenda Federal Credit Union PO BOX 8530 ALBUQUERQUE, NM 87107 |
* | $ 1,529,310,000 | 1 | $ 68,000 |
| Capital Farm Credit, Aca 3000 BRIARCREST DRIVE SUITE 601 BRYAN, TX 77802 |
* | $ 242,905,000 | 1 | $ 585,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 137,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 67,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Inbank 200 SOUTH SECOND STREET, PO DRAWER 1028 RATON, NM 87740 |
* | $ 302,009,000 | 1 | $ 135,000 |
The tables below break down 2015 mortgage applications in Union 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 Union County, NM in 2015
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 | $3,228,000 | $87,000 | $200,000 | $51,000 | $133,000 |
| Refinancing | 34 | $3,906,000 | $114,000 | $585,000 | $51,000 | $186,000 |
| Home Improvement | 19 | $613,000 | $32,000 | $220,000 | $99,000 | $342,000 |
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 | 47 | $4,376,000 | $93,000 | $585,000 | $74,000 | $342,000 |
| Hispanic | 26 | $2,032,000 | $78,000 | $200,000 | $54,000 | $133,000 |
| Not Provided | 9 | $696,000 | $77,000 | $149,000 | $60,000 | $111,000 |
| Not applicable | 7 | $549,000 | $78,000 | $137,000 | $2,000 | $20,000 |
| Black or African American | 1 | $94,000 | $94,000 | $94,000 | $90,000 | $90,000 |
| 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) | 56 | $4,720,000 | $84,000 | $585,000 | $68,000 | $342,000 |
| FHA-insured (Federal Housing Administration) | 22 | $1,747,000 | $79,000 | $167,000 | $48,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,016,000 | $112,000 | $188,000 | $65,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $264,000 | $88,000 | $102,000 | $22,000 | $35,000 |
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 | 42 | $3,511,000 | $83,000 | $338,000 | $74,000 | $342,000 |
| Application Denied By Financial Institution | 27 | $2,675,000 | $99,000 | $585,000 | $42,000 | $111,000 |
| Loan Purchased By The Institution | 9 | $630,000 | $70,000 | $137,000 | $16,000 | $74,000 |
| File Closed For Incompleteness | 7 | $433,000 | $61,000 | $127,000 | $107,000 | $240,000 |
| Application Withdrawn By Applicant | 4 | $278,000 | $69,000 | $87,000 | $65,000 | $83,000 |
| Application Approved But Not Accepted | 1 | $220,000 | $220,000 | $220,000 | $148,000 | $148,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $461,000 | $92,000 | $150,000 | $46,000 | $88,000 |
| Debt-To-Income Ratio | 4 | $912,000 | $228,000 | $585,000 | $42,000 | $77,000 |
| Collateral | 3 | $281,000 | $93,000 | $110,000 | $66,000 | $111,000 |
| Credit Application Incomplete | 1 | $79,000 | $79,000 | $79,000 | $0 | $0 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $43,000 | $43,000 |
| Unverifiable Information | 1 | $104,000 | $104,000 | $104,000 | $22,000 | $22,000 |
| 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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