Applications / Mortgage Analytics / Lenders / New Mexico / Sunward
Albuquerque, NM · Credit union · NCUA · $4.6 billion assets · 1,580 loans in 2025
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1,580
loans originated, 2025
2,356
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sunward is a New Mexico credit union whose loans have grown larger and more numerous: 1,580 loans worth $611.1 million in 2025, against 1,036 worth $262.8 million five years before.
Its typical loan rose from $155,000 to $235,000, larger than at more than nine in ten similar lenders (credit unions making between half and twice as many loans), whose typical loan was $115,000. Home purchases were 39.7% of its loans and refinances 28.4%. Originations rose 8%, close to peers' 9% and the whole market's 10%.
In Santa Fe its share rose 3.8 points to 5.3%, ranking 3 of 239 lenders. In Albuquerque, its home market since before 1990, it ranked 7 of 364 but its share fell 1.7 points to 2.9%. Much of that fall may reflect the market's leader, JLL Real Estate Capital, whose $2.18B was a large part of the $7.74B total and swelled the market.
It turned down 1.2% of home-purchase applications and 7.2% of refinance applications, against 6.3% and 20.8% at peers. Its share of higher-priced loans (a rate well above the average for similar loans) was 0.0%, and its typical rate of 6.38% was lower than at about four in five peers.
55.7% of its loans were in majority-minority areas, against 10.9% at peers. LMI (low- and moderate-income) borrowers took 14.5%, against 27.0%, among the lowest tenth; its larger loans and the New Mexico markets it serves are possible reasons.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sunward took 2,356 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.7% · Refinance 28.4% · Home improvement 17.3% · Other 14.6%
Conventional 100.0% · of 1,580 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Mexico | 1,093 | 69.2% |
| California | 151 | 9.6% |
| Colorado | 8 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albuquerque | 984 |
| Oakland-Fremont-Berkeley | 151 |
| Santa Fe | 60 |
| Farmington | 48 |
| Las Cruces | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CIQ950OK0BS407 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 955771 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55851 | 1990–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sunward's data.
Sunward's data
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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