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State markets/New Mexico/Rio Arriba County

COUNTY MORTGAGE MARKET · FIPS 35039

Rio Arriba County, New Mexico

Who lends in Rio Arriba County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$82.7M

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

338

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

24.4%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

112

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 112 lenders that originated in Rio Arriba County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

461

unconcentrated

Top-5 lender share

40.2%

of originations

Purchase

58.9%

179 loans

Refinance

41.1%

125 loans

Origination trend

Annual mortgage origination volume and loan count in Rio Arriba County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Rio Arriba County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Rio Arriba County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR RIO ARRIBA COUNTY →

TOP TEN LENDERS IN RIO ARRIBA COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

43$9.8M$9.8M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
43$8.7M$8.7M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
21$6.6M$6.6M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
17$4.3M$4.3M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
9$3.9M$3.9M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
27$3.6M$3.6M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
9$2.8M$2.8M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
8$2.6M$2.6M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
11$2.4M$2.4M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
15$2.3M$2.3M originated in Rio Arriba County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Rio Arriba County

All 37 ZIP Code Tabulation Areas that touch Rio Arriba County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
37 OF 37 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
22 of the 5 Rio Arriba County tracts this ZIP area touches sit mostly inside it.8,10486.2%2,110——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Rio Arriba County tracts this ZIP area touches sit mostly inside it.6,58092.6%1,509——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Rio Arriba County tracts this ZIP area touches sit mostly inside it.3,80279.4%763——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Rio Arriba County tracts this ZIP area touches sit mostly inside it.3,67097.4%509——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Rio Arriba County tract this ZIP area touches sit mostly inside it.3,65867.3%1,103——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Rio Arriba County tracts this ZIP area touches sit mostly inside it.3,44086.8%1,078——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Rio Arriba County tracts this ZIP area touches sit mostly inside it.3,23390.0%1,110——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Rio Arriba County tracts this ZIP area touches sit mostly inside it.3,16486.4%431——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Rio Arriba County tract this ZIP area touches sit mostly inside it.2,92878.3%733——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Rio Arriba County tracts this ZIP area touches sit mostly inside it.1,78475.8%655——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Rio Arriba County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

11 of Rio Arriba County’s 11 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Rio Arriba County

All 11 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

11 OF 11 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper133.0%3,23390.0%OPEN →
Moderate74.6%3,80279.4%OPEN →
Middle82.2%3,44086.8%OPEN →
Middle110.6%3,16486.4%OPEN →
—0.0%1,78475.8%OPEN →
Upper140.8%2,92878.3%OPEN →
Middle104.2%3,65867.3%OPEN →
Middle85.1%3,57088.4%OPEN →
Middle114.3%4,53484.5%OPEN →
Middle94.9%3,67097.4%OPEN →
Middle83.5%6,58092.6%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

40,070

Median household income

$57,155

Median home value

$243,700

Median gross rent

$740

per month

Owner-occupied

80.0%

of occupied units

Housing units

19,862

21.2% vacant

Poverty rate

18.2%

Unemployment

4.9%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Low

score 80.5

Social vulnerability

Very High

Community resilience

Very Low

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

71

Declarations recorded

16

Incident types on record: Biological, Drought, Fire, Flood, Hurricane, Severe Storm.

Everything we hold on Rio Arriba County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Rio Arriba County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Rio Arriba County →Every reported application and origination in FIPS 35039, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Rio Arriba County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

29

—

Purchase share

51.7%

15 loans

IRRRL refinances

7

Cash-out refinances

7

202629—1577
202537—19126
202429—1649
202327—1908
2022——15719
202175—22458
202050—20255
201929—12413
201832—1958
201736—16713
201633—11913
201527—1278

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Rio Arriba County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Rio Arriba County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2017

0

—

Multifamily · 2017

0

—

Total authorized · 2017

0

—

Permit valuation · 2017

$0

authorized construction value

Units authorized by year

Rio Arriba County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
0132538501990199219941996199820002002200420062008201020122014201620170 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Rio Arriba County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Other flows - Northeast, DS———
inflow2223Foreign - Other flows, FR———
inflow2223Other flows - Northeast, DS———
outflow2223Foreign - Other flows, FR———
outflow2223Santa Fe County, NM235382$11.9M
inflow2223Santa Fe County, NM213383$9.8M
inflow2223Other flows - West, DS151226$9.8M
outflow2223Bernalillo County, NM115171$4.6M
outflow2223Other flows - West, DS95154$5.0M
inflow2223Bernalillo County, NM92143$5.3M
outflow2223Other flows - South, DS67106$3.8M
outflow2223Sandoval County, NM63106$4.2M
inflow2223Other flows - South, DS61109$4.6M
inflow2223Los Alamos County, NM3872$3.8M
inflow2223Sandoval County, NM3463$1.8M
outflow2223Taos County, NM3460$2.0M
outflow2223San Juan County, NM3158$957K
inflow2223Taos County, NM3047$1.6M
outflow2223Los Alamos County, NM2745$1.6M
outflow2223Other flows - Midwest, DS2235$901K
inflow2223San Juan County, NM2143$892K
inflow2223Other flows - Midwest, DS2025$1.7M
outflow2122Other flows - Northeast, DS———
inflow2122Other flows - Northeast, DS———
inflow2122Santa Fe County, NM218394$10.4M
outflow2122Santa Fe County, NM207367$9.7M
inflow2122Other flows - West, DS150223$11.2M
outflow2122Bernalillo County, NM109165$4.4M
outflow2122Other flows - West, DS104164$4.6M
inflow2122Bernalillo County, NM81117$3.3M
inflow2122Other flows - South, DS69112$4.2M
outflow2122Other flows - South, DS58102$3.7M
outflow2122Sandoval County, NM5290$3.3M
inflow2122Taos County, NM4173$1.9M
outflow2122Taos County, NM3970$1.5M
inflow2122Other flows - Midwest, DS3161$2.6M
inflow2122McKinley County, NM2775$775K
outflow2122San Juan County, NM2754$903K
inflow2122Los Alamos County, NM2741$2.0M
outflow2122Other flows - Midwest, DS2639$1.7M
outflow2122Los Alamos County, NM2544$1.5M
inflow2122Sandoval County, NM2026$1.1M
outflow2021Other flows - Northeast, DS———
inflow2021Foreign - Other flows, FR———
inflow2021Other flows - Midwest, DS———
outflow2021Santa Fe County, NM212373$10.0M
inflow2021Santa Fe County, NM210378$9.3M
inflow2021Other flows - West, DS115171$6.3M
outflow2021Bernalillo County, NM114180$3.9M
outflow2021Other flows - West, DS98168$4.6M
inflow2021Bernalillo County, NM94155$4.5M
outflow2021Other flows - South, DS68127$3.3M
inflow2021Other flows - South, DS5894$3.7M
inflow2021Taos County, NM4877$2.2M
outflow2021Sandoval County, NM4372$2.2M
inflow2021Los Alamos County, NM4288$3.7M
inflow2021Sandoval County, NM4174$2.6M
outflow2021Taos County, NM2957$997K
outflow2021Los Alamos County, NM2847$1.4M
outflow2021Other flows - Midwest, DS2751$1.7M
inflow2021Other flows - Northeast, DS2029$1.3M
outflow1920Foreign - Other flows, FR———
inflow1920Other flows - Northeast, DS———
outflow1920Other flows - Northeast, DS———
outflow1920Santa Fe County, NM213395$9.4M
inflow1920Santa Fe County, NM184364$7.7M
inflow1920Other flows - West, DS124208$5.9M
outflow1920Bernalillo County, NM101160$4.0M
inflow1920Bernalillo County, NM91156$2.5M
outflow1920Other flows - West, DS91167$4.6M
outflow1920Other flows - South, DS73135$3.6M
inflow1920Other flows - South, DS63104$4.5M
outflow1920Sandoval County, NM61114$3.0M
inflow1920Los Alamos County, NM3866$2.6M
inflow1920Taos County, NM3563$2.0M
outflow1920Other flows - Midwest, DS3376$1.5M
inflow1920Sandoval County, NM3259$2.0M
outflow1920Taos County, NM3152$1.5M
inflow1920Other flows - Midwest, DS2846$1.6M
outflow1920Los Alamos County, NM2339$1.1M
inflow1920San Juan County, NM2355$604K
outflow1920San Juan County, NM2247$637K
outflow1819Other flows - Northeast, DS———
inflow1819Other flows - Northeast, DS———
outflow1819Foreign - Other flows, FR———
outflow1819Other flows - Midwest, DS———
outflow1819Santa Fe County, NM203376$7.7M
inflow1819Santa Fe County, NM191374$8.4M
inflow1819Other flows - West, DS114199$4.8M
outflow1819Other flows - West, DS103179$3.8M
outflow1819Bernalillo County, NM102158$3.7M
inflow1819Bernalillo County, NM77121$3.2M
inflow1819Other flows - South, DS62110$2.3M
inflow1819San Juan County, NM57139$1.5M
outflow1819Other flows - South, DS4368$2.5M
outflow1819Sandoval County, NM4184$1.7M
outflow1819Los Alamos County, NM3668$1.9M
outflow1819Taos County, NM3059$2.0M
inflow1819Taos County, NM2642$699K
inflow1819Sandoval County, NM2547$559K
inflow1819Los Alamos County, NM2249$2.1M
inflow1819Other flows - Midwest, DS2133$1.2M
outflow1819San Juan County, NM2160$797K
outflow1718Other flows - Midwest, DS———
inflow1718Other flows - Northeast, DS———
outflow1718Foreign - Other flows, FR———
outflow1718Other flows - Northeast, DS———
outflow1718Santa Fe County, NM211424$8.4M
inflow1718Santa Fe County, NM192397$8.8M
outflow1718Bernalillo County, NM127207$7.8M
inflow1718Other flows - West, DS121189$4.9M
outflow1718Other flows - West, DS97163$3.2M
inflow1718Bernalillo County, NM81125$3.0M
inflow1718Other flows - South, DS62107$3.5M
outflow1718Other flows - South, DS58104$2.8M
inflow1718San Juan County, NM52127$1.3M
outflow1718Sandoval County, NM4285$1.9M
inflow1718Taos County, NM3768$1.0M
outflow1718San Juan County, NM3170$1.1M
outflow1718Los Alamos County, NM2659$1.4M
outflow1718Taos County, NM2644$1.1M
inflow1718Los Alamos County, NM2542$1.6M
inflow1718Sandoval County, NM2548$983K
inflow1718Other flows - Midwest, DS2239$1.2M
inflow1617Foreign - Other flows, FR———
outflow1617Foreign - Other flows, FR———
inflow1617Other flows - Northeast, DS———
outflow1617Other flows - Northeast, DS———
outflow1617Santa Fe County, NM252500$10.2M
inflow1617Santa Fe County, NM238471$8.3M
inflow1617Other flows - West, DS129227$8.0M
outflow1617Other flows - West, DS128208$5.0M
outflow1617Bernalillo County, NM99178$3.2M
inflow1617Other flows - South, DS98175$5.4M
inflow1617Bernalillo County, NM86130$3.4M
outflow1617Other flows - South, DS81151$4.3M
outflow1617Sandoval County, NM54109$2.6M
inflow1617San Juan County, NM3987$1.3M
inflow1617Other flows - Midwest, DS3754$1.5M
inflow1617Los Alamos County, NM3773$2.1M
inflow1617Sandoval County, NM3365$1.4M
outflow1617Taos County, NM3053$1.2M
outflow1617San Juan County, NM2858$921K
inflow1617Taos County, NM2639$770K
outflow1617Other flows - Midwest, DS2654$1.1M
outflow1617Los Alamos County, NM2445$1.8M
inflow1516Foreign - Other flows, FR———
outflow1516Other flows - Northeast, DS———
outflow1516Other flows - Midwest, DS———
outflow1516Foreign - Other flows, FR———
inflow1516Other flows - Northeast, DS———
inflow1516Other flows - Midwest, DS———
outflow1516Santa Fe County, NM221442$8.7M
inflow1516Santa Fe County, NM191394$6.0M
inflow1516San Juan County, NM164484$4.8M
inflow1516Other flows - West, DS106195$4.4M
outflow1516Bernalillo County, NM103195$2.9M
outflow1516Other flows - West, DS101175$4.5M
inflow1516Bernalillo County, NM87148$2.4M
outflow1516Other flows - South, DS62131$2.7M
inflow1516Other flows - South, DS53100$2.4M
outflow1516Sandoval County, NM3966$1.6M
inflow1516Taos County, NM3962$1.0M
outflow1516Los Alamos County, NM3063$1.6M
outflow1516Taos County, NM2953$910K
outflow1516San Juan County, NM2857$868K
inflow1516Sandoval County, NM2338$1.1M
outflow1415Other flows - Northeast, DS———
inflow1415Foreign - Other flows, FR———
inflow1415Other flows - Northeast, DS———
outflow1415Foreign - Other flows, FR———
outflow1415Santa Fe County, NM238532$9.2M
inflow1415Santa Fe County, NM186371$5.5M
outflow1415Bernalillo County, NM117207$4.1M
inflow1415San Juan County, NM93210$2.5M
outflow1415Other flows - West, DS86176$2.5M
inflow1415Other flows - West, DS83141$2.6M
inflow1415Bernalillo County, NM68110$1.9M
outflow1415Other flows - South, DS54109$2.0M
inflow1415Other flows - South, DS5496$2.0M
outflow1415San Juan County, NM46103$1.2M
outflow1415Sandoval County, NM3273$1.2M
inflow1415Taos County, NM3166$1.1M
inflow1415Other flows - Midwest, DS2547$1.1M
outflow1415Other flows - Midwest, DS2545$668K
outflow1415Taos County, NM2443$727K
inflow1415Los Alamos County, NM2240$1.2M
outflow1314Foreign - Other flows, FR———
outflow1314Other flows - Northeast, DS———
inflow1314Other flows - Northeast, DS———
inflow1314Foreign - Other flows, FR———
outflow1314Santa Fe County, NM296566$11.1M
inflow1314Santa Fe County, NM185397$6.4M
outflow1314Bernalillo County, NM127205$4.0M
inflow1314Other flows - West, DS114208$3.7M
outflow1314Other flows - West, DS101173$2.8M
outflow1314Other flows - South, DS74132$3.4M
inflow1314San Juan County, NM73159$2.1M
outflow1314San Juan County, NM70165$1.8M
inflow1314Bernalillo County, NM69115$2.5M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Rio Arriba County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals78.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2023RefinanceNo CharacteristicAll Appraisals39.0
2023PurchaseNo CharacteristicAll Appraisals1.1
2023BothNo CharacteristicAll Appraisals117.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals401,000.0
2023BothNo CharacteristicAll Appraisals375,000.0
2023PurchaseNo CharacteristicAll Appraisals356,500.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals329,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals339,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals75.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals325,000.0
2022BothNo CharacteristicAll Appraisals163.0
2022PurchaseNo CharacteristicAll Appraisals88.0
2021PurchaseNo CharacteristicAll Appraisals1.1
2021RefinanceNo CharacteristicAll Appraisals302,000.0
2021BothNo CharacteristicAll Appraisals310.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals145.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals165.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals301,000.0
2021PurchaseNo CharacteristicAll Appraisals0.8
2021PurchaseNo CharacteristicAll Appraisals300,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals313.0
2020PurchaseNo CharacteristicAll Appraisals134.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals260,000.0
2020RefinanceNo CharacteristicAll Appraisals272,500.0
2020RefinanceNo CharacteristicAll Appraisals179.0
2020PurchaseNo CharacteristicAll Appraisals255,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals251,000.0
2019PurchaseNo CharacteristicAll Appraisals90.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals265,000.0
2019BothNo CharacteristicAll Appraisals178.0
2019RefinanceNo CharacteristicAll Appraisals88.0
2019PurchaseNo CharacteristicAll Appraisals250,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals240,000.0
2018BothNo CharacteristicAll Appraisals149.0
2018PurchaseNo CharacteristicAll Appraisals72.0
2018RefinanceNo CharacteristicAll Appraisals77.0
2018BothNo CharacteristicAll Appraisals237,000.0
2018PurchaseNo CharacteristicAll Appraisals235,500.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals245,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.1
2017PurchaseNo CharacteristicAll Appraisals0.1
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals208.0
2017PurchaseNo CharacteristicAll Appraisals87.0
2017PurchaseNo CharacteristicAll Appraisals223,000.0
2017RefinanceNo CharacteristicAll Appraisals121.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals235,500.0
2016PurchaseNo CharacteristicAll Appraisals77.0
2016RefinanceNo CharacteristicAll Appraisals264,500.0
2016PurchaseNo CharacteristicAll Appraisals0.9
2016PurchaseNo CharacteristicAll Appraisals200,000.0
2016PurchaseNo CharacteristicAll Appraisals0.9
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals242,000.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals199.0
2016RefinanceNo CharacteristicAll Appraisals122.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals230,500.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015RefinanceNo CharacteristicAll Appraisals240,000.0
2015BothNo CharacteristicAll Appraisals181.0
2015RefinanceNo CharacteristicAll Appraisals125.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals56.0
2015BothNo CharacteristicAll Appraisals240,000.0
2015PurchaseNo CharacteristicAll Appraisals0.9
2014BothNo CharacteristicAll Appraisals257,500.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Rio Arriba County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-0515,94515,2297164.5%
2026-0415,90115,2066954.4%
2026-0315,91315,2476664.2%
2026-0216,00915,2038065.0%
2026-0116,05115,2368155.1%
2025-1216,22015,5736474.0%
2025-1116,29715,5357624.7%
2025-0916,19415,5786163.8%
2025-0816,16715,5246434.0%
2025-0716,50815,7157934.8%
2025-0616,50515,7897164.3%
2025-0516,13615,5366003.7%
2025-0416,15115,5825693.5%
2025-0315,92715,3575703.6%
2025-0215,88815,2216674.2%
2025-0115,93415,2347004.4%
2024-1216,09515,5195763.6%
2024-1116,08615,4256614.1%
2024-1016,14415,5006444.0%
2024-0916,19815,5576414.0%
2024-0816,27415,5806944.3%
2024-0716,58515,7108755.3%
2024-0616,59615,8437534.5%
2024-0516,13815,5395993.7%
2024-0416,04115,4895523.4%
2024-0315,84415,2935513.5%
2024-0215,82115,1746474.1%
2024-0115,66615,0146524.2%
2023-1216,17715,6455323.3%
2023-1116,18215,6155673.5%
2023-1016,09515,5385573.5%
2023-0916,16315,6035603.5%
2023-0816,30815,7036053.7%
2023-0716,50615,7887184.3%
2023-0616,40315,7276764.1%
2023-0515,86715,3235443.4%
2023-0415,75415,2505043.2%
2023-0315,59715,0795183.3%
2023-0215,56914,9496204.0%
2023-0115,32614,6876394.2%
2022-1215,29014,7795113.3%
2022-1115,26714,6965713.7%
2022-1015,28614,7065803.8%
2022-0915,49214,8876053.9%
2022-0815,50714,8516564.2%
2022-0715,78914,9798105.1%
2022-0615,65214,7978555.5%
2022-0515,37814,6437354.8%
2022-0415,37414,6187564.9%
2022-0315,15414,3368185.4%
2022-0215,23114,2809516.2%
2022-0115,26414,2141,0506.9%
2021-1215,18514,2389476.2%
2021-1115,30214,2831,0196.7%
2021-1015,31414,3081,0066.6%
2021-0915,45314,3971,0566.8%
2021-0815,54614,3491,1977.7%
2021-0715,81514,3991,4169.0%
2021-0615,71014,2681,4429.2%
2021-0515,28014,0271,2538.2%
2021-0415,29914,0071,2928.4%
2021-0315,19713,8691,3288.7%
2021-0215,34113,9011,4409.4%
2021-0115,22313,7761,4479.5%
2020-1215,38714,0221,3658.9%
2020-1115,39114,1301,2618.2%
2020-1015,46914,2391,2308.0%
2020-0915,50814,1531,3558.7%
2020-0815,47314,1011,3728.9%
2020-0715,49913,8941,60510.4%
2020-0615,37913,9661,4139.2%
2020-0515,11013,7911,3198.7%
2020-0415,00913,7761,2338.2%
2020-0315,35714,1981,1597.5%
2020-0215,57114,6039686.2%
2020-0115,68114,6919906.3%
2019-1215,63214,7528805.6%
2019-1115,61514,7518645.5%
2019-1015,62414,7748505.4%
2019-0915,76714,9418265.2%
2019-0815,83814,9239155.8%
2019-0716,10615,0171,0896.8%
2019-0615,90514,8791,0266.5%
2019-0515,66414,8258395.4%
2019-0415,58014,7328485.4%
2019-0315,42114,5388835.7%
2019-0215,42814,4399896.4%
2019-0115,31914,2511,0687.0%
2018-1215,45614,5189386.1%
2018-1115,36914,5108595.6%
2018-1015,35014,5128385.5%
2018-0915,71014,8878235.2%
2018-0815,71414,8348805.6%
2018-0716,01015,0189926.2%
2018-0615,90114,9109916.2%
2018-0515,42514,6857404.8%
2018-0415,35414,5687865.1%
2018-0315,21614,3648525.6%
2018-0215,31314,3589556.2%
2018-0115,11014,1269846.5%

BEA Personal Income

2024$1.94B39,955$48K
2023$1.85B39,921$46K
2022$1.79B39,986$45K
2021$1.72B40,219$43K
2020$1.56B40,268$39K
2019$1.42B40,481$35K
2018$1.36B40,405$34K
2017$1.31B40,457$32K
2016$1.30B40,305$32K
2015$1.29B40,265$32K
2014$1.23B40,460$30K
2013$1.18B40,621$29K
2012$1.26B40,580$31K
2011$1.25B40,457$31K
2010$1.22B40,329$30K
2009$1.19B40,023$30K
2008$1.18B40,008$29K
2007$1.11B40,268$27K
2006$1.06B40,335$26K
2005$1.03B40,198$26K
2004$988.6M40,342$25K
2003$953.2M40,416$24K
2002$881.6M40,717$22K
2001$802.1M40,870$20K
2000$745.5M41,197$18K
1999$679.8M40,826$17K
1998$633.1M40,130$16K
1997$582.5M39,559$15K
1996$548.8M39,178$14K
1995$512.7M38,211$13K
1994$469.3M37,192$13K
1993$435.4M36,291$12K
1992$401.9M35,304$11K
1991——$11K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Rio Arriba County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2018-08-09$9K$9K$0Yes
2015-05-30$0——Yes
2014-07-27$39K$39K$0Yes
2014-07-16$0——Yes
2014-07-14$13K$13K$0Yes
2013-09-18$172K$142K$0Yes
2013-09-18$13K$13K$862.64Yes
2008-06-29$11K$8K$3KYes
2008-06-24$0——Yes
2007-06-16$9K$0$9KYes
2007-03-31$0——No
2006-08-06$7K$7K$0Yes
2006-08-06$30K$30K$0Yes
2006-07-26$5K$5K$0Yes
2005-08-05$0——Yes
2005-05-28$4K$4K$0Yes
2004-08-05$0——Yes
2004-08-05$0——Yes
2004-08-05$0——Yes
2004-08-05$776.3$776.3$0Yes
2004-08-05$0——Yes
2003-07-15$0——No
1997-05-05$3K$3K$0Yes
1995-06-27$0——Yes
1994-09-01$433.2$433.2$0No
1991-08-07$717$717$0No
1984-06-06$6K$6K$0No
1983-08-13$0——No
1981-09-05$558.55$472.3$86.25No
1981-08-09$2K$0$2KNo
1980-06-13$3K$3K$0No

ALSO CHECKED

18 more data areas were checked for Rio Arriba County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the NM state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN RIO ARRIBA COUNTY →Opens the loan explorer already filtered to county FIPS 35039.

See the New Mexico state market profile for the statewide picture, the New Mexico state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.