Curry County
New Mexico · FIPS 35009
According to CFPB HMDA 2024 application volume among U.S. counties, Curry County ranks #1,075 of 3,210, and #10 of 33 in New Mexico.
Mortgage lending activity in Curry County, New Mexico based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Curry County, New Mexico saw 1,581 HMDA-reported mortgage applications in 2024. Lenders originated 857 of those loans and denied 214, producing a denial rate of 13.5% and an approval (origination) rate of 54.2%. The average loan amount was $176,828 at an average note rate of 6.20%, with applicants self-reporting average annual income of $37K. 88 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Curry County
In Curry County, lead originator Bell Bank funded 20.8% of 857 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 48.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Curry County's 1,581 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Curry County's $176,828 average loan (deduped against volume peers).
Lenders active in Curry County
Bell Bank funded 178 of the 857 loans originated in Curry County, 20.8% of the county. 88 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Bell Bank | 178 | 20.8% |
| 2 | Primary Residential Mortgage, INC. | 176 | 20.5% |
| 3 | Mortgage Research Center | 64 | 7.5% |
| 4 | Rocket Mortgage | 49 | 5.7% |
| 5 | United Wholesale Mortgage | 43 | 5.0% |
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; does not constitute financial advice for Curry County borrowers.
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 Curry County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.