Santa Fe
Metropolitan Statistical Area · MSA Code 42140
According to CFPB HMDA 2024 application volume among tracked metros, Santa Fe ranks #313 of 418.
Mortgage lending activity in the Santa Fe metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Santa Fe Metropolitan Statistical Area (MSA code 42140) financed its book at an average note rate of 7.04%. 20 major lenders are tracked for this metro - Rocket Mortgage, Nusenda Federal Credit Union, Del Norte Credit Union lead by origination volume. Among the 418 metros tracked, Santa Fe sits in the 26th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Santa Fe denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 18.4% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $379,575 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Santa Fe
In Santa Fe, lead originator Rocket Mortgage funded only 6.3% of 2,687 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 17.6% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to Santa Fe's 18.4% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Santa Fe's 5,346 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Santa Fe's $379,575 average loan (deduped against denial and volume peers).
Lenders active in the Santa Fe metro
Rocket Mortgage funded 169 of the 2,687 loans originated here, 6.3% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 169 | 232 | $320,259 | 6.3% |
| 2 | Nusenda Federal Credit Union | 159 | 252 | $256,468 | 5.9% |
| 3 | Del Norte Credit Union | 145 | 235 | $188,830 | 5.4% |
| 4 | United Wholesale Mortgage | 130 | 169 | $445,473 | 4.8% |
| 5 | Waterstone Mortgage Corporation | 127 | 179 | $380,810 | 4.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Santa Fe metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Santa Fe 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.