Union County, NM Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 74 mortgage applications in Union County, NM totaling $7.6 million, down 27% from 2017. The average application was for $102,000, and applicants reported an average income of $53,000. 49% of applications resulted in an originated loan and 27% were denied. The most active lender was Farmers & Stockmens Bank, with 5 applications, followed by Vanderbilt Mortgage and Finance, Inc and loanDepot.com LLC.
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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 | 74 |
| Total Mortgage Loan Application Amount | $7,570,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $165,000 |
| 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 |
* | $ 211,838,000 | 5 | $ 235,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 380,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 325,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 205,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 275,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 275,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 2 | $ 210,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 230,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 2 | $ 60,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 180,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 210,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 190,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 380,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 310,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 2 | $ 190,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 70,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 75,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 85,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 155,000 |
| Del Norte Credit Union PO BOX 1180 LOS ALAMOS, NM 87544 |
* | $ 592,310,000 | 1 | $ 105,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 25,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 105,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| Legend Bank, N.A. 101 TARRANT ST BOWIE, TX 76230 |
* | $ 639,552,000 | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 105,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 225,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,112,603,000 | 1 | $ 245,000 |
| First Financial Credit Union 601 TIJERAS NW ALBUQUERQUE, NM 87102 |
* | $ 519,712,000 | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 105,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 245,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 85,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 85,000 |
| Inbank 200 SOUTH SECOND STREET, PO DRAWER 1028 RATON, NM 87740 |
* | $ 319,457,000 | 1 | $ 175,000 |
The tables below break down 2018 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 2018
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 | 38 | $4,150,000 | $109,000 | $245,000 | $50,000 | $110,000 |
| Cash-out Refinancing | 22 | $2,160,000 | $98,000 | $225,000 | $43,000 | $84,000 |
| Refinancing | 8 | $810,000 | $101,000 | $175,000 | $81,000 | $140,000 |
| Home Improvement | 4 | $350,000 | $87,000 | $225,000 | $87,000 | $165,000 |
| Other Purpose | 2 | $100,000 | $50,000 | $65,000 | $27,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 39 | $4,075,000 | $104,000 | $245,000 | $56,000 | $165,000 |
| Hispanic | 16 | $1,460,000 | $91,000 | $165,000 | $52,000 | $140,000 |
| Not Provided | 11 | $1,215,000 | $110,000 | $215,000 | $53,000 | $95,000 |
| Not applicable | 4 | $580,000 | $145,000 | $245,000 | $0 | $0 |
| Black or African American | 3 | $135,000 | $45,000 | $75,000 | $17,000 | $37,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $80,000 | $80,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 37 | $3,435,000 | $92,000 | $245,000 | $56,000 | $140,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,135,000 | $101,000 | $155,000 | $44,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,580,000 | $131,000 | $225,000 | $64,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $420,000 | $105,000 | $105,000 | $51,000 | $58,000 |
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 | 36 | $3,710,000 | $103,000 | $245,000 | $58,000 | $140,000 |
| Application Denied By Financial Institution | 20 | $1,940,000 | $97,000 | $225,000 | $52,000 | $165,000 |
| Application Withdrawn By Applicant | 10 | $1,040,000 | $104,000 | $225,000 | $48,000 | $98,000 |
| Loan Purchased By The Institution | 4 | $580,000 | $145,000 | $245,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $265,000 | $88,000 | $155,000 | $35,000 | $44,000 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $25,000 | $25,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 48 | $5,220,000 | $108,000 | $245,000 | $55,000 | $140,000 |
| Debt-To-Income Ratio | 10 | $790,000 | $79,000 | $175,000 | $38,000 | $61,000 |
| Collateral | 7 | $865,000 | $123,000 | $225,000 | $77,000 | $165,000 |
| Credit History | 4 | $250,000 | $62,000 | $85,000 | $40,000 | $45,000 |
| Unverifiable Information | 3 | $125,000 | $41,000 | $55,000 | $37,000 | $58,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $61,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $39,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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