HomeNew MexicoBernalillo CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Bernalillo County, New Mexico

Fat Boy Data analyzed cash-out refinance activity in Bernalillo County, New Mexico to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 7,336 applications were decided by 194 lenders between 2023 and 2025.

Bernalillo County at a glance

194Active lenders54 with 20+ decisions
69.8%Market approval rate5,123 of 7,336 decided
$165KTypical loanmedian lender, $10K brackets
94%Borrower take-up4,822 loans funded

How Bernalillo County compares

Approval rate compared
Bernalillo County69.8%New Mexico69.1%All 616 counties68.2%
Typical loan compared
Bernalillo County$165KNew Mexico$165KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Bernalillo County, NM, 1,210 of them.

That is 25% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 96% of 25.

Approval rate of all 54 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 24% approved of 91Amerisave Mortgage Corporation: 31% approved of 510American Financing Corporation: 39% approved of 57Lakeview Loan Servicing, LLC: 43% approved of 110Carrington Mortgage Services, LLC: 46% approved of 209New Day Financial, LLC: 50% approved of 139Village Capital & Investment LLC: 51% approved of 55BMO Bank National Association: 51% approved of 70Newrez LLC: 52% approved of 242New American Funding, LLC: 56% approved of 71Mutual of Omaha Mortgage, Inc.: 57% approved of 87Loandepot.Com, LLC: 62% approved of 282Wells Fargo Bank, National Association: 62% approved of 97USAA Federal Savings Bank: 62% approved of 21Spring Eq, LLC: 62% approved of 32Primelending, A Plainscapital Company: 63% approved of 27Manufacturers and Traders Trust Company: 64% approved of 22Navy Federal Credit Union: 64% approved of 78BOKF, National Association: 64% approved of 56Sandia Area: 65% approved of 23Sun West Mortgage Company, Inc.: 68% approved of 25Flagstar Bank, National Association: 69% approved of 58Cardinal Financial Company, Limited Partnership: 71% approved of 21U.S. Bank National Association: 72% approved of 39Advantagefirst Lending Inc.: 72% approved of 25Pennymac Loan Services, LLC: 72% approved of 173Freedom Mortgage Corporation: 73% approved of 244First Financial Credit Union: 73% approved of 49GoodLeap, LLC: 75% approved of 143Plaza Home Mortgage, Inc.: 75% approved of 52Quorum Federal Credit Union: 75% approved of 24Onity Mortgage Corporation: 75% approved of 20Kirtland Federal Credit Union: 75% approved of 101Rio Grande Credit Union: 76% approved of 99Nusenda: 78% approved of 115Rocket Mortgage, LLC: 80% approved of 1,575Nationstar Mortgage LLC: 80% approved of 213Magnolia Bank, Incorporated: 81% approved of 26United Wholesale Mortgage, LLC: 81% approved of 442JPMorgan Chase Bank, National Association: 82% approved of 76The Federal Savings Bank: 83% approved of 60Directors Mortgage, Inc.: 83% approved of 24Primary Residential Mortgage, Inc.: 85% approved of 46U.S. Eagle: 85% approved of 20Crosscountry Mortgage, LLC: 85% approved of 20Top Flite Financial, Inc.: 86% approved of 21Sunward: 87% approved of 382State Employees Credit Union: 90% approved of 60Waterstone Mortgage Corporation: 91% approved of 55Kind Lending, LLC: 91% approved of 22Cmg Mortgage, Inc.: 92% approved of 26Guild Mortgage Company LLC: 94% approved of 171Reliance First Capital, LLC: 96% approved of 25Coastal Community Bank: 96% approved of 28

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Bernalillo County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%1,254 / 1,57596%$155K1,210
2Amerisave Mortgage Corporation31%157 / 51095%$105K149
3United Wholesale Mortgage, LLCBroker only81%358 / 44298%$225K350
4Sunward87%334 / 382100%$125K334
5Loandepot.Com, LLC62%174 / 28299%$205K172

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 189 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Bernalillo County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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