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2024 data HMDA 2024 disclosure official source

Roosevelt County

428 mortgage applications, 16.8% denial rate. Verify FIPS 35041 with U.S. Census Bureau →

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New Mexico · FIPS 35041

Local mortgage market. Roosevelt County, New Mexico saw 428 HMDA-reported mortgage applications in 2024. Lenders originated 226 of those loans and denied 72, producing a denial rate of 16.8% and an approval (origination) rate of 52.8%. The average loan amount was $138,692 at an average note rate of 6.22%, with applicants self-reporting average annual income of $36K. 53 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 35041 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

428
Applications
226
Originated
16.8%
Denial Rate
52.8%
Approval Rate
$138,692
Avg Loan Amount
6.22%
Avg Interest Rate
$36K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Roosevelt 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 Primary Residential Mortgage, INC. 72 31.9%
2 Bell Bank 31 13.7%
3 Rocket Mortgage 16 7.1%
4 Mortgage Research Center 9 4.0%
5 Navy Federal Credit Union 7 3.1%
Compare Primary Residential Mortgage, INC. vs Bell Bank →

Frequently Asked Questions

How many mortgage applications were filed in Roosevelt County?
In the 2024 HMDA reporting year, 428 mortgage applications were filed in Roosevelt County, New Mexico. Of these, 226 were originated (approved and funded), while 72 were denied, resulting in a denial rate of 16.8%.
What is the mortgage denial rate in Roosevelt County?
The mortgage denial rate in Roosevelt County is 16.8%. The approval (origination) rate is 52.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Roosevelt County?
The average mortgage loan amount in Roosevelt County is $138,692. The average interest rate is 6.219%. The average applicant income is $36K.
What is the loan-to-income ratio in Roosevelt County?
The average loan-to-income ratio in Roosevelt County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Roosevelt County?
The top mortgage lenders in Roosevelt County by origination volume are Primary Residential Mortgage, INC., Bell Bank, Rocket Mortgage. In total, 53 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.