Applications / Mortgage Analytics / Lenders / New Mexico / Guadalupe Credit Union
Santa Fe, NM · Credit union · NCUA · $336 million assets · 72 loans in 2025
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72
loans originated, 2025
72
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guadalupe Credit Union, in Santa Fe, lends mostly on refinances and manufactured homes, and its lending grew by a third in 2025, faster than at most similar credit unions.
Manufactured homes made up 48.6% of its loans; the typical similar credit union made none. Refinances were 69.4%. Its typical loan was $175,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), higher than at more than four in five.
Higher-priced loans, those with a rate well above the average for similar loans, made up 35.2% of its lending, against 3.2% at similar credit unions. Its typical rate was 7.64%, against 6.75%. Loans on manufactured homes often carry higher prices, and they make up nearly half its lending, which could account for most of the gap.
Majority-minority neighborhoods took 81.9% of its loans, against 9.5% at similar credit unions; its home markets in New Mexico are one possible reason. Low- and moderate-income borrowers took 22.2%, down from 35.2%, perhaps because its loans grew larger.
It made 72 loans, up 33% from 54, faster than about three-quarters of similar credit unions, whose lending rose 7%. In Santa Fe, where it has lent since 1992, it ranks 40 of 239 lenders with 0.6% of lending, up from 0.5%. United Wholesale Mortgage leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guadalupe Credit Union took 72 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 69.4% · Purchase 26.4% · Home improvement 2.8% · Other 1.4%
Conventional 100.0% · of 72 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 | 72 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Santa Fe | 34 |
| Albuquerque | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500A4CD08CED38D66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 736194 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566149 | 1992–2017 |
Established 1 January 1948. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Guadalupe Credit Union's data.
Guadalupe Credit Union's data
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Guadalupe 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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