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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Bernalillo County, New Mexico

Fat Boy Data analyzed home improvement loan 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. 5,311 applications were decided by 102 lenders between 2023 and 2025.

Bernalillo County at a glance

102Active lenders25 with 20+ decisions
68.0%Market approval rate3,612 of 5,311 decided
$55KTypical loanmedian lender, $10K brackets
94%Borrower take-up3,398 loans funded

How Bernalillo County compares

Approval rate compared
Bernalillo County68.0%New Mexico66.6%All 616 counties62.7%
Typical loan compared
Bernalillo County$55KNew Mexico$55KAll 616 counties$75K

What the data shows

Nusenda made the most home improvement loans in Bernalillo County, NM, 995 of them.

That is 29% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 95% of 20.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 25 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 30% approved of 152Bank of America, National Association: 38% approved of 518U.S. Bank National Association: 40% approved of 169UMB Bank, National Association: 40% approved of 25BMO Bank National Association: 44% approved of 135Spring Eq, LLC: 45% approved of 107HTLF Bank: 49% approved of 87Mountain America Federal Credit Union: 52% approved of 90PNC Bank, National Association: 54% approved of 83BOKF, National Association: 55% approved of 398Pentagon Federal Credit Union: 57% approved of 28Navy Federal Credit Union: 66% approved of 129Figure Lending LLC: 72% approved of 131Sandia Area: 75% approved of 373Rio Grande Credit Union: 76% approved of 72Kirtland Federal Credit Union: 77% approved of 375U.S. Eagle: 77% approved of 61Nationstar Mortgage LLC: 78% approved of 37Rocket Mortgage, LLC: 79% approved of 33Nusenda: 80% approved of 1,287Lendage, LLC: 85% approved of 20State Employees Credit Union: 89% approved of 35Sunward: 92% approved of 580Homebridge Financial Services, Inc.: 95% approved of 20Coastal Community Bank: 98% approved of 103

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

Home improvement loan lenders in Bernalillo County

LenderApprovalApprovedTaken upTypical loanLoans made
1Nusenda80%1,033 / 1,28796%$55K995
2Sunward92%532 / 580100%$85K532
3Bank of America, National Association38%195 / 51895%$65K185
4BOKF, National Association55%217 / 39893%$55K202
5Kirtland Federal Credit Union77%288 / 37595%$55K273

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 97 more lenders.

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You are seeing the 5 largest home improvement loan 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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