At a glance
From its website, read 2 Nov 2026Guadalupe Credit Union is a credit union based in Santa Fe, New Mexico. Its website describes home mortgages and small-business loans. Where it lends: Nine New Mexico counties: Santa Fe, San Miguel, Río Arriba, Bernalillo, Sandoval, Torrance, Taos, Mora and Colfax. It accepts an ITIN. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (505) 216-0518 source |
|---|---|
| Main | (505) 982-8942 source |
| Toll-free | (800) 540-5382 source |
| mortgages@guadalupecu.org source | |
| Apply online | Page with the application link |
| Website | www.guadalupecu.org |
| Office (official list) | 2019 Galisteo St. Suite K-1, Santa Fe, NM 87505 |
What their website says about applying
Apply Now Online - Complete your application online quickly and easily.
sourceFinancial statements or income documentation
sourceBasic business and ownership information
sourceApply online or continue your application by clicking the button below.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- ITIN accepted
ITIN numbers are welcome here.
source - First-time homebuyer program
First-Time Homebuyer Program
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Mar 2014 |
| RSSD ID | 736194 |
| Address | 2019 Galisteo St. Suite K-1, Santa Fe, NM 87505 Directions (Google Maps) |
| Website | www.guadalupecu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Mortgage and business credit line amounts were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | Enjoy stability and predictability with fixed-rate loans available in 10-year and 30-year terms: | source |
| Small-business loans | — | A Business Line of Credit from Guadalupe Credit Union gives you flexible access to funds you can use when you need them | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Nine New Mexico counties: Santa Fe, San Miguel, Río Arriba, Bernalillo, Sandoval, Torrance, Taos, Mora and Colfax
Serving Santa Fe, San Miguel, Río Arriba, Bernalillo, Sandoval, Torrance, Taos, Mora, and Colfax counties.
source
Counties this matches: Bernalillo County, NM, Colfax County, NM, Mora County, NM, Rio Arriba County, NM, San Miguel County, NM, Sandoval County, NM, Santa Fe County, NM, Taos County, NM, Torrance County, NM
Borrower focus
- First-time homebuyers
First-Time Homebuyer Program
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online or Contine Your application
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.7 million in 8 awards from the U.S. Treasury's CDFI Fund, 2012–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $966,747 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Small Dollar Loan Program | $415,000 |
| 2019 | CDFI Program, Financial Assistance | $674,000 |
| 2016 | CDFI Program, Financial Assistance | $2,000,000 |
| 2014 | CDFI Program, Financial Assistance | $1,000,000 |
| 2013 | CDFI Program, Financial Assistance | $597,000 |
| 2012 | CDFI Program, Financial Assistance | $253,806 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as GUADALUPE (charter 66149). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $348.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 31,883 (as of 30 Jun 2026) |
| Offices | 8 (as of 30 Jun 2026) |
Offices by state and county (8)
New Mexico (8 offices)
- Mora County (1): #508 Nm 518, Mora 87732
- Rio Arriba County (1): 845 N. Riverside Drive, Espanola 87532
- San Miguel County (1): 2504 7th St, Las Vegas 87701
- Santa Fe County (4): 2019 Galisteo St Ste K1, Santa Fe 87505 (main office); 1101 Don Diego Ave, Santa Fe 87505; 3601 Mimbres Ln, Santa Fe 87507; 3721 Academy Road, Santa Fe 87507
- Taos County (1): 1520 Paseo Del Pueblo Norte, El Prado 87529
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Guadalupe Credit Union (NCUA charter 66149, filed as “GUADALUPE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $213 million, 16,703 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 11.0% from $191.9 million on 30 Jun 2025 |
| Members | 31,883 (as of 30 Jun 2026); 30,538 (as of 30 Jun 2025) |
| Loans per member | $6,681 (total loans divided by members, 30 Jun 2026) |
| Total assets | $348.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $13.2 million | 6.2% |
| Used vehicle loans | $73.5 million | 34.5% |
| First-lien home mortgages (1-4 family) | $73.3 million | 34.4% |
| Other real estate loans (junior liens, other) | $6.9 million | 3.2% |
| Commercial (business) loans | $58,524 | <0.1% |
| Credit cards | $3.4 million | 1.6% |
| Other unsecured loans | $13.4 million | 6.3% |
| Leases and other secured loans | $29.4 million | 13.8% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Guadalupe Credit Union reported 72 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $14.1M (median loan about $175,000). 19 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 19 | 26% |
| Refinance (incl. 16 cash-out) | 50 | 69% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 72 | 100% |
Included above: 35 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 7 counties with at least one; 100% of its 2025 loans were for properties in New Mexico:
- Santa Fe County, NM (34)
- Rio Arriba County, NM (15)
- Taos County, NM (9)
- San Miguel County, NM (5)
- Sandoval County, NM (4)
- Torrance County, NM (4)
Filed under LEI 984500A4CD08CED38D66 as “Guadalupe Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $348.2 million | Larger than 33% of the 6 other certified credit unions in New Mexico (median $896.3 million). |
| Loans as a share of assets | 61% | Median of the same 6 credit unions: 66%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $191.9 million → $213 million (+11%) | Median change of 6 other certified credit unions in New Mexico: +10%. Rank by loans held among these 7: 5 → 5. |
| Home loans originated in 2025 (HMDA) | 72 | More than 32% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New Mexico | 6 | larger than 33% |
| Loans held then vs now | certified credit unions in New Mexico reporting both dates | 6 | rank 5 → 5 of 7 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 32% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Santa Fe and New Mexico
- Homewise, Inc.Loan fund · Santa Fe, NMCommercial real estate loans, Home mortgagesVerified
- Northern New Mexico School Employees Federal Credit UnionCredit union · Santa Fe, NMAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Santa Fe Community Housing TrustLoan fund · Santa Fe, NMHome mortgagesVerified
- DreamSpringLoan fund · Albuquerque, NMCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- First Financial Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Native Community CapitalLoan fund · Laguna, NM · Native CDFIAffordable housing development loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
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