Rio Arriba County
New Mexico · FIPS 35039
According to CFPB HMDA 2024 application volume among U.S. counties, Rio Arriba County ranks #1,636 of 3,223, and #16 of 33 in New Mexico.
Mortgage lending activity in Rio Arriba 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. Rio Arriba County, New Mexico lenders denied 172 of the applications reported here, financing the rest at an average note rate of 7.18%, with applicants self-reporting average annual income of $38K. 81 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 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 Rio Arriba County
In Rio Arriba County, lead originator Del Norte Credit Union funded 15.9% of 333 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 36.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Rio Arriba County's 775 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Rio Arriba County's $226,381 average loan (deduped against volume peers).
Lenders active in Rio Arriba County
Del Norte Credit Union funded 53 of the 333 loans originated in Rio Arriba County, 15.9% of the county. 81 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Del Norte Credit Union | 53 | 15.9% |
| 2 | 21st Mortgage | 35 | 10.5% |
| 3 | Rocket Mortgage | 35 | 10.5% |
| 4 | Waterstone Mortgage Corporation | 17 | 5.1% |
| 5 | Primary Residential Mortgage, INC. | 16 | 4.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Rio Arriba 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 Rio Arriba 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.