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Guadalupe Credit Union

Santa Fe, NM

Guadalupe Credit Union processed 54 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 54 loans with a 0.0% denial rate. Refinancing was the primary loan purpose. Based in Santa Fe, NM. The approval rate of 100.0% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Guadalupe Credit Union's 100.0% origination rate tells you how often an application turned into funded money; the 0.0% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (52 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

54
Applications
54
Originated
0.0%
Denial Rate
$154,815
Avg Loan Amount
Avg Interest Rate: 8.174% Avg Applicant Income: $39,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 52 52 0 $157,308
FHA 2 2 0 $90,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Guadalupe Credit Union (LEI: 984500A4CD08CED38D66) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Refinancing 35 35 $117,571
Home Purchase 19 19 $223,421

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White * 37 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Hispanic or Latino * 47 100.0% 0.0%
Not Hispanic or Latino * 3 100.0% 0.0%

* 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.

Nusenda Federal Credit Union

ALBUQUERQUE, NM

3,080 apps 1,930 originated 15.5% denied

SUNWARD

ALBUQUERQUE, NM

2,310 apps 1,464 originated 8.5% denied

Kirtland Federal Credit Union

ALBUQUERQUE, NM

787 apps 439 originated 27.4% denied

Sandia Area Federal Credit Uni

ALBUQUERQUE, NM

730 apps 425 originated 24.4% denied

U.S. Eagle Federal Credit Union

Albuquerque, NM

530 apps 352 originated 15.1% denied
Compare Guadalupe Credit Union vs Nusenda Federal Credit Union →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Guadalupe Credit Union process?
Guadalupe Credit Union processed 54 mortgage applications in the 2024 HMDA reporting year. Of these, 54 were originated (approved and funded), and 0 were denied.
What is Guadalupe Credit Union's mortgage approval rate?
Guadalupe Credit Union has an approval (origination) rate of 100.0%, meaning 100.0% of all applications resulted in a funded mortgage. The denial rate is 0.0%.
What is the average loan amount at Guadalupe Credit Union?
The average mortgage loan amount at Guadalupe Credit Union is $154,815. The average interest rate is 8.174%. The average applicant income is $39,000.
What types of mortgage loans does Guadalupe Credit Union offer?
Guadalupe Credit Union processes Conventional, FHA loans. The most common type is Conventional with 52 applications and an average loan amount of $157,308.
What loan purposes does Guadalupe Credit Union serve?
Guadalupe Credit Union serves the following loan purposes: Refinancing (35 applications), Home Purchase (19 applications). Refinancing is the most common purpose.
Where is Guadalupe Credit Union located?
Guadalupe Credit Union is headquartered in Santa Fe, NM. The lender is identified by LEI 984500A4CD08CED38D66 in HMDA data.
How does Guadalupe Credit Union compare in lending across racial demographics?
Guadalupe Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is 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.