States › New Mexico › Curry County
Curry County, New Mexico
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Curry County, New Mexico, saw 1,432 HMDA-reported applications and 857 originations ($151m) in 2024.
That is 46.1 originations per 1,000 households, against 43.7 for New Mexico and 48.0 nationally.
The county's denial rate was 19.4%, below the state rate of 25.7%. The median rate spread on originated loans was 0.2 percentage points and 14.6% of originations were 1.5 points or more above the average prime offer rate.
15 lenders reached 25 applications in the county; the most active by originations were Bell Bank (178), Primary Residential Mortgage, INC. (176) and Mortgage Research Center (64).
Originations were up 29% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Bell Bank | 205 | 178 | $24m | 4.3% | — |
| 2 | Primary Residential Mortgage, INC. | 226 | 176 | $23m | 4.9% | — |
| 3 | Mortgage Research Center | 115 | 64 | $15m | 19.3% | — |
| 4 | Rocket Mortgage | 69 | 49 | $8.8m | 20.3% | — |
| 5 | United Wholesale Mortgage | 53 | 43 | $11m | 0.0% | — |
| 6 | Navy Federal Credit Union | 46 | 30 | $6.7m | 18.9% | — |
| 7 | Nbkc Bank | 31 | 22 | $5.9m | 15.4% | — |
| 8 | Usaa Bank | 30 | 20 | $4.5m | — | — |
| 9 | Plains Commerce Bank | 28 | 16 | $3.3m | — | — |
| 10 | Guaranteed Rate, Inc. | 34 | 14 | $2.1m | — | — |
| 11 | Freedom Mortgage Corporation | 31 | 14 | $3.4m | — | — |
| 12 | Pennymac Loan Services LLC | 35 | 12 | $3.5m | — | — |
| 13 | Us Bank, N.A. | 31 | 7 | $885k | — | — |
| 14 | 21st Mortgage | 34 | 6 | $780k | — | — |
| 15 | Amerisave Mortgage Company | 27 | 6 | $1.2m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 15. Denial rate is denials over decided applications in this county.
Compared with New Mexico and the nation
| Measure | This county | New Mexico | United States |
|---|---|---|---|
| Denial rate | 19.4% | 25.7% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.6% | 22.3% | 15.6% |
| Average originated loan | $177k | $247k | $329k |
| Originations per 1,000 households | 46.1 | 43.7 | 48.0 |
| Home purchase share of originations | 77.9% | 62.7% | 57.0% |
| FHA-insured share | 14.2% | 17.8% | 13.4% |
| VA-guaranteed share | 37.7% | 12.0% | 7.9% |
Rate spread distribution
Share of 782 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: New Mexico). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 78% (668)Home improvement 1% (11)Refinancing 9% (73)Cash-out refinancing 10% (83)Other purpose 3% (22)
By type
Conventional 48% (412)FHA 14% (122)VA 38% (323)
Trend by year
ApplicationsOriginations
This countyNew Mexico
Questions and answers
Which lenders are most active in Curry County, NM?
By 2024 originations: Bell Bank (178), Primary Residential Mortgage, INC. (176), Mortgage Research Center (64), Rocket Mortgage (49), United Wholesale Mortgage (43). 15 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Curry County?
19.4% of decided applications were denied in 2024, against 25.7% across New Mexico and 24.3% nationally.
How many mortgages were originated in Curry County in 2024?
857 loans totalling $151m, from 1,432 applications; 46.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 35009; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.