Lenders › 21st Mortgage › New Mexico
21st Mortgage in New Mexico
HMDA record for properties in New Mexico, calendar year 2024. National record · New Mexico overview
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.
In New Mexico, 21st Mortgage reported 4,255 applications and 811 originations for 2024, $113m in all.
Its denial rate in the state was 68.5%, above the New Mexico rate of 25.7% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its New Mexico originations was 3.3 percentage points (state median 0.4).
Applications in the state were up 11% on 2023.
Compared with the state and the lender's national record
| Measure | In New Mexico | New Mexico, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 68.5% | 25.7% | 70.3% | 24.3% |
| Median rate spread, pp | 3.3 | 0.4 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 97.4% | 22.3% | 99.0% | 15.6% |
| Average originated loan | $139k | $247k | $114k | $329k |
| Home purchase share | 98.3% | 62.7% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 17.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 12.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew Mexico, all lenders
Loan purpose and loan type in New Mexico
By purpose
Home purchase 98% (797)Refinancing 1% (10)Cash-out refinancing 0% (2)Other purpose 0% (2)
By type
Conventional 100% (811)
Denial reasons as coded
Share of 1,904 denials in New Mexico by first denial reason coded (outlined bar: all lenders in the state).
Counties in New Mexico
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 534 | 110 | $14m | 69.7% |
| Doña Ana County | 638 | 94 | $9.6m | 77.3% |
| Lea County | 451 | 68 | $11m | 70.0% |
| Otero County | 208 | 63 | $7.4m | 54.1% |
| Santa Fe County | 370 | 53 | $8.4m | 75.3% |
| San Juan County | 270 | 52 | $6.9m | 69.1% |
| Valencia County | 242 | 44 | $6.5m | 70.1% |
| Eddy County | 163 | 42 | $6.0m | 58.0% |
| Rio Arriba County | 164 | 35 | $6.4m | 54.7% |
| Sandoval County | 189 | 34 | $5.5m | 71.9% |
| Chaves County | 120 | 28 | $4.0m | 65.9% |
| Taos County | 98 | 22 | $3.7m | 60.3% |
| Torrance County | 93 | 19 | $2.6m | 72.1% |
| Lincoln County | 78 | 19 | $3.0m | 61.1% |
| Grant County | 54 | 18 | $2.9m | 50.0% |
| San Miguel County | 84 | 16 | $2.8m | 68.5% |
| Cibola County | 72 | 13 | $1.8m | 73.1% |
| McKinley County | 72 | 11 | $1.5m | 71.7% |
| Los Alamos County | 30 | 10 | $1.5m | — |
| Luna County | 72 | 9 | $965k | 76.6% |
| Socorro County | 51 | 9 | $1.4m | 69.4% |
| Curry County | 34 | 6 | $780k | — |
| Sierra County | 30 | 4 | $560k | — |
| Roosevelt County | 27 | 4 | $630k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in New Mexico in 2024?
811 loans totalling $113m, from 4,255 applications reported for properties in New Mexico.
What is 21st Mortgage's denial rate in New Mexico?
68.5% of decided applications in New Mexico were denied, against 25.7% for all lenders in the state and 70.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New Mexico counties does 21st Mortgage lend in most?
By originations: Bernalillo County (110), Doña Ana County (94), Lea County (68), Otero County (63), Santa Fe County (53).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New Mexico. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.