Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Bernalillo County, New Mexico
Every institution that decided a 1–4 unit mortgage application in Bernalillo County, home to Albuquerque, between 2023 and 2025: 45,419 applications, 34,903 loans actually funded, across 8 kinds of borrowing.
Bernalillo County at a glance
45,419Applications decided
2023–2025
34,903Loans funded
77% of decisions
176Census tracts
21 ZIP codes
674,357People
ACS 2023
What the data shows
Lenders approved 87.9% of home-purchase applications in Bernalillo County, 4.5 points above the New Mexico rate.
The typical purchase mortgage here is $275K.
Investment home improvement is the hardest money to get here: lenders approved 47% of 315 applications.
Lending by loan type in Bernalillo County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.9% | 24,434 | $275K | 96% | 358 |
| Home improvement loans | 68.0% | 5,311 | $55K | 94% | 102 |
| Cash-out refinance | 69.8% | 7,336 | $165K | 94% | 194 |
| Refinance | 78.9% | 5,141 | $225K | 93% | 205 |
| Investment property purchase | 83.3% | 1,794 | $225K | 95% | 191 |
| Investment cash-out refinance | 73.8% | 733 | $195K | 94% | 135 |
| Investment refinance | 66.2% | 355 | $205K | 95% | 101 |
| Investment home improvement | 47.0% | 315 | $95K | 88% | 49 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.