Del Norte Credit Union: 2025 mortgage rates, costs & approvals
How Del Norte Credit Union priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Del Norte Credit Union · LEI 2549008US5LUWX2ZH247
In 2025, Del Norte Credit Union originated 115 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 1 state — 1710th by volume among the 2,017 lenders profiled here.
It denied 3.3% of completed home-purchase applications (all lenders: 8.5%).
How Del Norte Credit Union priced home-purchase loans
| Purchase loans, 2025 | Del Norte Credit Union | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | −0.61 pts | +0.13 pts |
| Total loan costs · conventional | $4,830 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $930 | $1,860 |
| Borrowers paying discount points | 16.1% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 5.7% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Del Norte Credit Union lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New Mexico | 115 | 130 | 3.3% | — | $4,830 |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Del Norte Credit Union's page for that state.
Counties where Del Norte Credit Union is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Los Alamos County, NM | 3 | 39 | 10.7% |
| Santa Fe County, NM | 8 | 49 | 3.0% |
| Rio Arriba County, NM | 10 | 3 | 2.3% |
| San Miguel County, NM | 13 | 2 | 1.9% |
| Socorro County, NM | 19 | 1 | 1.2% |
Check Del Norte Credit Union yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 2549008US5LUWX2ZH247.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Del Norte Credit Union with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology