Applications / Mortgage Analytics / Lenders / New Mexico / Del Norte Credit Union
Santa Fe, NM · Credit union · NCUA · $1.4 billion assets · 312 loans in 2025
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312
loans originated, 2025
462
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Del Norte Credit Union is the tenth-biggest lender in Santa Fe, and unlike most similar credit unions it finances manufactured homes.
Manufactured homes made up 16.3% of its loans, against 0.2% at similar lenders (credit unions making between half and twice as many loans), a higher share than at nearly all of them. Purchases were 34.9% of its lending and home improvement 27.9%. Every loan was conventional.
Majority-minority neighborhoods took 59.6% of its loans, against 12.1% at similar lenders. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 23.1%, a higher share than at more than eight in ten of them. Both may reflect the parts of New Mexico it serves.
Higher-priced loans (a rate well above the average for similar loans) were 6.1% of its lending, against 1.9% at similar lenders. Its manufactured-home, home-improvement and other-purpose loans may account for most of that. Yet its typical rate, 5.88%, was lower than their 6.88%.
It has made between 306 and 402 loans a year since 2018. Its 312 in 2025 were 3% fewer than in 2024, while similar lenders grew 7%. In Santa Fe its share rose to 2.8% from 2.6%, and it ranks 10 of 239 lenders there. In non-metro New Mexico it ranks 21 of 353.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Del Norte Credit Union took 462 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.9% · Home improvement 27.9% · Refinance 19.6% · Other 17.6%
Conventional 100.0% · of 312 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 | 312 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Santa Fe | 156 |
| Albuquerque | 49 |
| Las Cruces | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008US5LUWX2ZH247 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 857398 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564759 | 1991–2017 |
Established 1 January 1954. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Del Norte Credit Union's data.
Del Norte Credit Union's data
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Del Norte Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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