Sunward Federal Credit Union
Sunward Federal Credit Union received 2,355 applications in 2025 and made 1,580 mortgages, in 9 counties across 7 states. The median rate its borrowers got was 6.375% on a median loan of $235,000. Of 1,757 decisions, 177 were denials — 10.1%, most often for debt-to-income ratio. 468 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300CIQ950OK0BS407 |
|---|---|
| Applications received | 2,355 |
| Mortgages made | 1,580 |
| Denied | 177 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 598 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | -0.391 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 | 627 | 5.875% | $385,000 | 2.8% |
| Refinancing | 188 | 5.750% | $605,000 | 3.6% |
| Cash-out refinancing | 261 | 6.625% | $145,000 | 13.0% |
| Other purposes | 504 | 6.625% | $95,000 | 18.3% |
Where Sunward Federal Credit Union lends most
The 9 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 | 754 | 6.500% | 10.0% |
| Sandoval County, NM | 163 | 6.500% | 11.4% |
| Alameda County, CA | 151 | 5.750% | 3.2% |
| Santa Fe County, NM | 60 | 6.500% | 15.5% |
| Valencia County, NM | 54 | 6.250% | 16.9% |
| San Juan County, NM | 48 | 6.750% | 21.3% |
| Torrance County, NM | 13 | 6.875% | 50.0% |
| La Plata County, CO | 8 | Under 10 loans | 0.0% |
| Doña Ana County, NM | 1 | Under 10 loans | 0.0% |
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When Sunward Federal Credit Union’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.