Lender in New Mexico · HMDA 2025
Sunward Federal Credit Union mortgages in New Mexico
Sunward Federal Credit Union's 2025 home-purchase and refinance lending in New Mexico, compared with all lenders in the state.
Sunward Federal Credit Union originated 404 owner-occupied single-family loans in New Mexico from 423 completed applications, making it the state's #14 lender by volume.
Its median conventional purchase loan costs were $3,970 versus $5,210 for all New Mexico lenders, at a median 30-year fixed rate of 6.50% (New Mexico: 6.625%).
Loans in NM
404
of 423 applications
Denial rate
1.6%
Purchase · NM 8.3%
Rate spread
−0.34 pts
Conv. · NM +0.18 pts
Loan amount
$355,000
Purchase · NM $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 306 | 301 | 1.6% | 6.500% | −0.34 pts | $3,970 | $355,000 |
| Refinance | 46 | 42 | 8.7% | — | −0.47 pts | $1,750 | $295,000 |
| Cash-out refinance | 71 | 61 | 14.1% | — | +0.03 pts | $1,410 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
New Mexico counties where Sunward Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Torrance County | 7 | 4 | 3.6% |
| Bernalillo County | 8 | 270 | 3.3% |
| Sandoval County | 15 | 60 | 1.9% |
| Valencia County | 15 | 25 | 2.2% |
| San Juan County | 20 | 7 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology