Guadalupe County
New Mexico · FIPS 35019
According to CFPB HMDA 2024 application volume among U.S. counties, Guadalupe County ranks #2,891 of 3,210, and #28 of 33 in New Mexico.
Mortgage lending activity in Guadalupe 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. Guadalupe County, New Mexico saw 89 HMDA-reported mortgage applications in 2024. Lenders originated 34 of those loans and denied 35, producing a denial rate of 39.3% and an approval (origination) rate of 38.2%. The average loan amount was $171,067 at an average note rate of 6.91%, with applicants self-reporting average annual income of $40K. 12 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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 Guadalupe County
In Guadalupe County, lead originator Guild Mortgage Company funded 52.9% of 34 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 67.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Guadalupe County's 89 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Guadalupe County's $171,067 average loan (deduped against volume peers).
Lenders active in Guadalupe County
Guild Mortgage Company funded 18 of the 34 loans originated in Guadalupe County, 52.9% of the county. 12 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 18 | 52.9% |
| 2 | Guaranteed Rate, INC. | 3 | 8.8% |
| 3 | Rocket Mortgage | 2 | 5.9% |
| 4 | Nusenda Federal Credit Union | 2 | 5.9% |
| 5 | United Wholesale Mortgage | 2 | 5.9% |
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 Guadalupe 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 Guadalupe 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.