Los Alamos County
New Mexico · FIPS 35028
According to CFPB HMDA 2024 application volume among U.S. counties, Los Alamos County ranks #1,625 of 3,223, and #15 of 33 in New Mexico.
Mortgage lending activity in Los Alamos 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. Los Alamos County, New Mexico lenders denied 84 of the applications reported here, financing the rest at an average note rate of 6.73%, with applicants self-reporting average annual income of $35K. 76 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.6x, meaning typical borrowers took on mortgages of about 10.6 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 Los Alamos County
In Los Alamos County, lead originator Waterstone Mortgage Corporation funded 17.7% of 492 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 44.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Los Alamos County's 793 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Los Alamos County's $371,885 average loan (deduped against volume peers).
Lenders active in Los Alamos County
Waterstone Mortgage Corporation funded 87 of the 492 loans originated in Los Alamos County, 17.7% of the county. 76 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Waterstone Mortgage Corporation | 87 | 17.7% |
| 2 | Bokf NA | 68 | 13.8% |
| 3 | Del Norte Credit Union | 63 | 12.8% |
| 4 | Rocket Mortgage | 37 | 7.5% |
| 5 | Sunflower Bank, N.A. | 27 | 5.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Los Alamos County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Los Alamos County borrowers. 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.