Lender in New Mexico · HMDA 2025
Waterstone Mortgage Corporation mortgages in New Mexico
Waterstone Mortgage Corporation's 2025 home-purchase and refinance lending in New Mexico, compared with all lenders in the state.
Waterstone Mortgage Corporation originated 1,364 owner-occupied single-family loans in New Mexico from 1,410 completed applications, making it the state's #3 lender by volume.
Its median conventional purchase loan costs were $5,660 versus $5,210 for all New Mexico lenders, at a median 30-year fixed rate of 6.875% (New Mexico: 6.625%).
Loans in NM
1,364
of 1,410 applications
Denial rate
1.8%
Purchase · NM 8.3%
Rate spread
+0.47 pts
Conv. · NM +0.18 pts
Loan amount
$285,000
Purchase · NM $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,325 | 1,288 | 1.8% | 6.875% | +0.47 pts | $5,660 | $285,000 |
| Refinance | 61 | 55 | 9.8% | 6.625% | +0.50 pts | $5,640 | $355,000 |
| Cash-out refinance | 24 | 21 | 12.5% | — | — | — | $305,000 |
*Conventional loans only; medians with at least 20 loans.
New Mexico counties where Waterstone Mortgage Corporation ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bernalillo County | 1 | 753 | 9.3% |
| Los Alamos County | 1 | 74 | 20.2% |
| Torrance County | 1 | 17 | 15.4% |
| Santa Fe County | 2 | 121 | 7.3% |
| McKinley County | 2 | 16 | 11.7% |
| Valencia County | 3 | 79 | 6.9% |
| San Miguel County | 3 | 9 | 8.5% |
| Taos County | 4 | 8 | 4.0% |
| Catron County | 4 | 1 | 12.5% |
| Sandoval County | 5 | 172 | 5.4% |
| Socorro County | 5 | 4 | 4.8% |
| San Juan County | 7 | 35 | 4.0% |
| Rio Arriba County | 7 | 5 | 3.9% |
| Sierra County | 7 | 4 | 5.0% |
| Roosevelt County | 11 | 2 | 1.3% |
| Doña Ana County | 12 | 44 | 1.8% |
| Cibola County | 18 | 1 | 1.9% |
| Curry County | 19 | 6 | 1.0% |
| Lincoln County | 21 | 2 | 1.3% |
| Grant County | 24 | 2 | 1.2% |
| Otero County | 25 | 5 | 0.7% |
- Waterstone Mortgage Corporation nationwide
- New Mexico mortgage market
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- Waterstone Mortgage Corporation in Virginia
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology