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2024 data HMDA 2024 disclosure official source

Doña Ana County

8,374 mortgage applications, 20.1% denial rate. Verify FIPS 35013 with U.S. Census Bureau →

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New Mexico · FIPS 35013

Local mortgage market. Doña Ana County, New Mexico saw 8,374 HMDA-reported mortgage applications in 2024. Lenders originated 3,856 of those loans and denied 1,686, producing a denial rate of 20.1% and an approval (origination) rate of 46.0%. The average loan amount was $213,866 at an average note rate of 6.81%, with applicants self-reporting average annual income of $39K. 213 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 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 35013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,374
Applications
3,856
Originated
20.1%
Denial Rate
46.0%
Approval Rate
$213,866
Avg Loan Amount
6.81%
Avg Interest Rate
$39K
Avg Applicant Income
5.5x
Loan-to-Income Ratio

Nearby Lenders in Doña Ana 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 Rocket Mortgage 310 8.0%
2 Citizens Bank of Las Cruces 309 8.0%
3 United Wholesale Mortgage 233 6.0%
4 Guild Mortgage Company 190 4.9%
5 Waterstone Mortgage Corporation 182 4.7%
Compare Rocket Mortgage vs Citizens Bank of Las Cruces →

Frequently Asked Questions

How many mortgage applications were filed in Doña Ana County?
In the 2024 HMDA reporting year, 8,374 mortgage applications were filed in Doña Ana County, New Mexico. Of these, 3,856 were originated (approved and funded), while 1,686 were denied, resulting in a denial rate of 20.1%.
What is the mortgage denial rate in Doña Ana County?
The mortgage denial rate in Doña Ana County is 20.1%. The approval (origination) rate is 46.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Doña Ana County?
The average mortgage loan amount in Doña Ana County is $213,866. The average interest rate is 6.811%. The average applicant income is $39K.
What is the loan-to-income ratio in Doña Ana County?
The average loan-to-income ratio in Doña Ana County is 5.5x, meaning borrowers took on loans averaging 5.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Doña Ana County?
The top mortgage lenders in Doña Ana County by origination volume are Rocket Mortgage, Citizens Bank of Las Cruces, United Wholesale Mortgage. In total, 213 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.