Applications / Mortgage Analytics / Lenders / New Mexico / Pioneer Bank
Roswell, NM · Savings institution · OCC · $1.1 billion assets · 22 loans in 2025
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22
loans originated, 2025
54
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pioneer Bank, a New Mexico savings institution, has cut its home lending from 335 loans in 2018 to 22 in 2025.
Its 22 loans in 2025 were 31% fewer than a year earlier, while similar lenders, meaning savings institutions making between half and twice as many loans, grew 4%. A typical peer made 34. It made 186 loans in 2020 and 335 in 2018. The data do not say why; it may have chosen to put its money into other kinds of lending, or to keep fewer mortgages.
In 2020, 12.9% of its loans were insured by the Federal Housing Administration and 4.3% were guaranteed by the Department of Veterans Affairs. By 2025 every loan was conventional, as at its peers.
It placed 59.1% of its loans in majority-minority neighborhoods, against 10.8% at its peers. On 22 loans one year proves little, but the share was 59.4% in 2024 and 54.8% in 2020, so it reflects where the bank has long lent.
All its lending is in New Mexico, across 7 counties. It ranks 113 of 353 lenders in rural New Mexico and has lent around Albuquerque and Las Cruces since 1990, though its shares there are now close to nothing. With so few loans, its other figures are too thin to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pioneer Bank took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 45.5% · Home improvement 22.7% · Purchase 22.7% · Other 9.1%
Conventional 100.0% · of 22 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 | 22 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Las Cruces | 3 |
| Albuquerque | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QOIO7RN6JTEI45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 606176 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4450 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700450 | 2011–2017 |
Established 18 February 1901. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pioneer Bank's data.
Pioneer Bank's data
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Pioneer Bank 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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