Pioneer Bank
Pioneer Bank received 52 applications in 2025 and made 22 mortgages, in 8 counties across 2 states. The median rate its borrowers got was 8.000% on a median loan of $105,000. Of 50 decisions, 15 were denials — 30.0%, most often for credit history.
| Legal Entity Identifier | 549300QOIO7RN6JTEI45 |
|---|---|
| Applications received | 52 |
| Mortgages made | 22 |
| Denied | 15 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.059 points |
| FDIC-insured bank | Yes: Pioneer Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 5 | Under 10 loans | Under 10 loans | 10.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 40.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 30.0% |
Where Pioneer Bank lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Otero County, NM | 7 | Under 10 loans | 20.0% |
| Chaves County, NM | 4 | Under 10 loans | 50.0% |
| Doña Ana County, NM | 3 | Under 10 loans | 0.0% |
| Eddy County, NM | 3 | Under 10 loans | 45.5% |
| Lea County, NM | 2 | Under 10 loans | 0.0% |
| Lincoln County, NM | 2 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 1 | Under 10 loans | 0.0% |
| El Paso County, TX | 0 | Under 10 loans | 0.0% |
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When Pioneer Bank’s figures are published for the next year, or restated.
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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.