LEI 549300L5PE7ZGYRW5Q15 · LAS CRUCES, NM
Citizens Bank of Las Cruces
Originated-loan volume lands in the upper fleet tercile (335 funded) among 392 reported applications in the 2024 HMDA Snapshot.
Originated-volume tercile vs fleet
Citizens Bank of Las Cruces funded 335 mortgages, upper fleet tercile (above ~310 originations), ranking #1,558 of 4,908 by originated-loan volume and sits below the 1,000-application origination-share board (392 applications).
- n/a
- Below 1,000-app share board
- 85.5%
- Origination share
- 335
- Originated
- 4.3%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
392reported applications
Where Citizens Bank of Las Cruces sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
335 Top 32% higher than 68% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Citizens Bank of Las Cruces
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Citizens Bank of Las Cruces
Lender-reported HMDA denial-reason counts (top reasons shown).
High-volume book. Citizens Bank of Las Cruces funded 335 mortgages, above the fleet upper tercile (~310 originations) - so absolute denial and purpose counts matter more here than at thin reporters. Most-cited denial codes: Other, Collateral, Insufficient cash. Program weight concentrates in Conventional (307 applications).
How to read Citizens Bank of Las Cruces. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Citizens Bank of Las Cruces
Citizens Bank of Las Cruces filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 307 | 263 | 13 | $256,922 |
| FHA | 61 | 49 | 4 | $274,344 |
| VA | 24 | 23 | 0 | $353,750 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Citizens Bank of Las Cruces (LEI: 549300L5PE7ZGYRW5Q15) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 364 | 314 | $266,484 |
| Refinancing | 13 | 13 | $348,077 |
| Cash-out Refinancing | 12 | 7 | $208,333 |
| Other | 3 | 1 | $25,000 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 310 | 84.5% | 4.5% |
| Black or African American * | 10 | 100.0% | 0.0% |
| Joint * | 10 | 80.0% | 10.0% |
| Asian * | 8 | 100.0% | 0.0% |
| American Indian or Alaska Native * | 4 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Hispanic or Latino | 173 | 80.3% | 7.5% |
| Not Hispanic or Latino | 147 | 89.8% | 1.4% |
| Joint * | 34 | 85.3% | 2.9% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in NM
Other HMDA-reporting lenders in NM with similar activity. Compare any two side-by-side.
One of 19 other HMDA-reporting lenders in NM, 5 are shown here.
Nusenda Federal Credit Union
ALBUQUERQUE, NM
SUNWARD
ALBUQUERQUE, NM
Kirtland Federal Credit Union
ALBUQUERQUE, NM
Sandia Area Federal Credit Uni
ALBUQUERQUE, NM
U.S. Eagle Federal Credit Union
Albuquerque, NM
Read with Citizens Bank of Las Cruces
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Citizens Bank of Las Cruces (LEI 549300L5PE7ZGYRW5Q15).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Citizens Bank of Las Cruces.
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 Citizens Bank of Las Cruces 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.