Del Norte Credit Union
Del Norte Credit Union received 462 applications in 2025 and made 312 mortgages, in 17 counties across 1 state. The median rate its borrowers got was 5.875% on a median loan of $160,000. Of 378 decisions, 63 were denials — 16.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549008US5LUWX2ZH247 |
|---|---|
| Applications received | 462 |
| Mortgages made | 312 |
| Denied | 63 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 84 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.3885 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 109 | 5.750% | $345,000 | 6.0% |
| Refinancing | 21 | 5.875% | $235,000 | 21.4% |
| Cash-out refinancing | 40 | 5.813% | $170,000 | 25.5% |
| Other purposes | 142 | 5.995% | $70,000 | 20.1% |
Where Del Norte Credit Union lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Santa Fe County, NM | 156 | 5.750% | 15.5% |
| Los Alamos County, NM | 62 | 5.500% | 4.6% |
| Bernalillo County, NM | 28 | 6.000% | 24.3% |
| Rio Arriba County, NM | 27 | 6.000% | 25.0% |
| Sandoval County, NM | 19 | 6.000% | 17.4% |
| San Miguel County, NM | 8 | Under 10 loans | 20.0% |
| Taos County, NM | 4 | Under 10 loans | 20.0% |
| Socorro County, NM | 2 | Under 10 loans | 0.0% |
| Colfax County, NM | 1 | Under 10 loans | 0.0% |
| Doña Ana County, NM | 1 | Under 10 loans | 75.0% |
| Lea County, NM | 1 | Under 10 loans | 0.0% |
| Otero County, NM | 1 | Under 10 loans | 0.0% |
| Torrance County, NM | 1 | Under 10 loans | 50.0% |
| Valencia County, NM | 1 | Under 10 loans | 0.0% |
| Chaves County, NM | 0 | Under 10 loans | Not published |
| Eddy County, NM | 0 | Under 10 loans | 100.0% |
| Luna County, NM | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.