Kirtland Federal Credit Union
Kirtland Federal Credit Union received 893 applications in 2025 and made 504 mortgages, in 21 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $120,000. Of 821 decisions, 200 were denials — 24.4%, most often for other. 140 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549008NZFLT1BQ8EN23 |
|---|---|
| Applications received | 893 |
| Mortgages made | 504 |
| Denied | 200 |
| Approved, not taken up | 117 |
| Withdrawn or incomplete | 72 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.64 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 | 92 | 6.000% | $325,000 | 25.2% |
| Refinancing | 117 | 7.500% | $105,000 | 15.3% |
| Cash-out refinancing | 44 | 5.875% | $265,000 | 19.1% |
| Other purposes | 251 | 7.500% | $65,000 | 28.1% |
Where Kirtland Federal Credit Union lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bernalillo County, NM | 347 | 7.500% | 20.1% |
| Sandoval County, NM | 89 | 7.500% | 21.5% |
| Valencia County, NM | 29 | 7.500% | 25.5% |
| Santa Fe County, NM | 20 | 7.000% | 22.2% |
| Doña Ana County, NM | 4 | Under 10 loans | 0.0% |
| Socorro County, NM | 3 | Under 10 loans | 25.0% |
| Rio Arriba County, NM | 2 | Under 10 loans | 0.0% |
| Torrance County, NM | 2 | Under 10 loans | 50.0% |
| Grant County, NM | 1 | Under 10 loans | 0.0% |
| Guadalupe County, NM | 1 | Under 10 loans | 0.0% |
| Lincoln County, NM | 1 | Under 10 loans | 0.0% |
| Los Alamos County, NM | 1 | Under 10 loans | 0.0% |
| Otero County, NM | 1 | Under 10 loans | 0.0% |
| Roosevelt County, NM | 1 | Under 10 loans | 0.0% |
| San Juan County, NM | 1 | Under 10 loans | 66.7% |
| Taos County, NM | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 0.0% |
| Chaves County, NM | 0 | Under 10 loans | 100.0% |
| Cibola County, NM | 0 | Under 10 loans | 0.0% |
| Eddy County, NM | 0 | Under 10 loans | 100.0% |
| Quay 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.