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2024 data HMDA 2024 disclosure official source

Cibola County

402 mortgage applications, 35.1% denial rate. Verify FIPS 35006 with U.S. Census Bureau →

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New Mexico · FIPS 35006

Local mortgage market. Cibola County, New Mexico saw 402 HMDA-reported mortgage applications in 2024. Lenders originated 157 of those loans and denied 141, producing a denial rate of 35.1% and an approval (origination) rate of 39.1%. The average loan amount was $136,095 at an average note rate of 7.22%, with applicants self-reporting average annual income of $37K. 48 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 35006 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

402
Applications
157
Originated
35.1%
Denial Rate
39.1%
Approval Rate
$136,095
Avg Loan Amount
7.22%
Avg Interest Rate
$37K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Cibola County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Cmg Mortgage INC 23 14.6%
2 Rocket Mortgage 22 14.0%
3 21st Mortgage 13 8.3%
4 Emporium Tpo LLC 11 7.0%
5 Ameritrust Mortgage Corporation 10 6.4%
Compare Cmg Mortgage INC vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Cibola County?
In the 2024 HMDA reporting year, 402 mortgage applications were filed in Cibola County, New Mexico. Of these, 157 were originated (approved and funded), while 141 were denied, resulting in a denial rate of 35.1%.
What is the mortgage denial rate in Cibola County?
The mortgage denial rate in Cibola County is 35.1%. The approval (origination) rate is 39.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cibola County?
The average mortgage loan amount in Cibola County is $136,095. The average interest rate is 7.224%. The average applicant income is $37K.
What is the loan-to-income ratio in Cibola County?
The average loan-to-income ratio in Cibola County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cibola County?
The top mortgage lenders in Cibola County by origination volume are Cmg Mortgage INC, Rocket Mortgage, 21st Mortgage. In total, 48 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.