# NUSENDA

> **Canonical URL:** https://saferate.com/lenders/nusenda


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NUSENDA is a credit union, headquartered in Albuquerque, NM, serving borrowers across 2 states, with 484 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007B1GAUZGYHPR07
- **Headquarters:** Albuquerque, NM
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NM, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.289%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,273
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 484
- **Dollar Volume:** $143 million
- **Applications Received:** 720
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $295,764
- **Average Borrower Income:** $140,316
- **Average Property Value:** $427,293

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 428 | -0.354% | $1,245 | Strong 😀 |
| FHA | 59/100 | 35 | +0.599% | $1,762 | Sound ☺️ |
| VA | 58/100 | 14 | -0.177% | $1,533 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 327 loans, Score: 67/100 (Strong)
- Refinance: 101 loans, Score: 69/100 (Strong)

**FHA:**
- Purchase: 31 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 377 | $126M | -0.338% | Strong 😀 |
| Refinance | 67/100 | 107 | $17M | +0.033% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NM | 479 | 2.34% | 93/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Albuquerque, NM | NM | 353 | 92/100 |
| Santa Fe, NM | NM | 65 | 96/100 |
| Non |  | 44 | 41/100 |
| Las Cruces, NM | NM | 17 | 51/100 |

## Where This Lender Ranks

NUSENDA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New Mexico Credit Unions
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in New Mexico for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Albuquerque, NM
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders)
- 🥇 **#1** in Albuquerque, NM Credit Unions
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Albuquerque, NM for Conventional Loans
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Albuquerque, NM for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Albuquerque, NM for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Santa Fe, NM
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders)
- 🥇 **#1** in Santa Fe, NM Credit Unions
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Santa Fe, NM for Conventional Loans
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Santa Fe, NM for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in New Mexico
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders)
- 🥈 **#2** in New Mexico for Conventional Loans
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in New Mexico for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in New Mexico for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Albuquerque, NM for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Las Cruces, NM for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in New Mexico for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/jumbo-loans)
- 🏆 **#10** in Las Cruces, NM for Conventional Loans
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Albuquerque, NM for VA Loans
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does NUSENDA offer?

NUSENDA offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NUSENDA offer mortgages?

NUSENDA offers mortgages in 2 states: NM, TX.

### How competitive are NUSENDA's mortgage rates?

NUSENDA has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.289% below market average.

### What type of lender is NUSENDA?

NUSENDA is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Albuquerque, NM.

### What is NUSENDA's loan approval success rate?

NUSENDA has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/nusenda

### How to Cite

> "NUSENDA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nusenda

---

**[View Interactive Profile →](https://saferate.com/lenders/nusenda)**