County directory · New Mexico
CDFI lenders in Taos County, NM
1 certified CDFI names Taos County or a town in it as part of their service area on their own website. 1 more is headquartered here. 1 more has a bank or credit-union branch here. 4 more say they serve all of New Mexico. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.
- Name this county
- 1
- Based here
- 1
- Branch here
- 1
- Serve all of NM
- 4
A lender naming Taos County on its website is a good sign, not an offer. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Amalia, Arroyo Hondo, Arroyo Seco, Carson, Cerro, Chamisal, Costilla, El Prado, Llano, Ojo Caliente, Penasco, Questa….
Lenders compared for Taos County
3 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Guadalupe Credit Union Credit union, Santa Fe NM | website names Taos County; 1 office here; 9 home loans here, 2025 | ask | 61 mi |
| 2. Nusenda Credit Union Credit union, Albuquerque NM | 1 office here; 36 home loans here, 2025 | ask | 112 mi |
| 3. Questa Credit Union Credit union, Questa NM | headquarters here; 2 offices here | ask | 16 mi |
3 of these 3 lenders have received CDFI Fund awards, together $14.1M in fiscal years 2012–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.
Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.
Where these lenders have offices
3 lenders1 head office and 4 branches or offices of 3 lenders on this page, within 45 miles of the centre of Taos County. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Home mortgages (1 lender)
- Small-business loans (1 lender)
Banks and credit unions with a branch in this county
3 certified CDFIs have at least one office in Taos County (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- Questa Credit UnionCredit union · Questa, NM2 offices in Taos County · based hereOfficial list only
- Guadalupe Credit UnionCredit union · Santa Fe, NMHome mortgages, Small-business loans1 office in Taos CountyVerified
- Nusenda Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…1 office in Taos CountyVerified
CDFI mortgage lenders active here
Certified CDFIs reported 47 originated home loans for properties in Taos County in 2025 under the Home Mortgage Disclosure Act: 10% of the 473 home loans that all HMDA lenders reported here.
- Nusenda Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…36 home loans here in 2025 (HMDA)Verified
- Guadalupe Credit UnionCredit union · Santa Fe, NMHome mortgages, Small-business loans9 home loans here in 2025 (HMDA)Verified
Plus 2 more certified CDFIs with fewer than 3 loans here each (not listed).
A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.
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.
Small business and SBA lending in Taos County
Official statisticsMedian household income in Taos County is $58,950, 8% below the New Mexico figure of $64,059 (ACS 2020–2024).
Businesses here took 21.2 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: fewer than the median New Mexico county (31.2), rank 26 of 33.
| Measure | Taos County | New Mexico |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 1,083 (2.4% of the state) | 44,861 |
| …of which under 20 employees | 91% | 85% |
| Businesses without employees (Nonemployer Statistics 2023) | 3,441 | 140,015 |
| Median household income (ACS 2020–2024) | $58,950 (8% below the state) | $64,059 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 23 (18 7(a), 5 504) | 1,694 |
| …per 1,000 businesses with employees | 21.2 (rank 26 of 33 New Mexico counties) | 31.2 (median county) |
| Median SBA 7(a) loan, all lenders | $425,000 | $248,200 |
| …with a certified CDFI as lender, CDC or third-party lender | 1 or 2 | 63 (4%) |
Approvals by fiscal year: FY2020 1–2 · FY2021 4 · FY2022 5 · FY2023 4 · FY2024 5 · FY2025 1–2 · FY2026 1–2.
For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).
Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 202448 loans and investments totaling $9.3M (median $50,000) were reported to the CDFI Fund for borrowers and projects in Taos County in fiscal year 2022, by 10 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Home purchase | 28 | $2.1M | $50,000 |
| None of the listed purposes | 6 | $628,000 | $80,000 |
| Home improvement | 5 | $1M | $60,700 |
| Non-real estate microenterprise | 4 | $35,683 | $3,593 |
| Non-real estate business | 4 | $512,000 | $122,500 |
Of 14 individual borrowers whose income was reported, 29% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 1,842 consumer loans in Taos County totaling $27.9M (Consumer Loan Report, tract totals, so no median); they counted 15% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 18 · FY2019 15 · FY2020 7 · FY2021 89.
Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.
Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.
Lenders whose website names Taos County or a town in it
Headquartered in Taos County
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Questa Credit UnionCredit union · Questa, NMOfficial list only
Say they serve all of New Mexico
- B:Side FundLoan fund · Denver, COCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- GECU Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Homewise, Inc.Loan fund · Santa Fe, NMCommercial real estate loans, Home mortgagesVerified
- Women's Economic Self-Sufficiency TeamLoan fund · Albuquerque, NMSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Free help before you apply
These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.
Business advice
Housing counseling
- Santa Fe Community Housing TrustHUD-approved housing counselor · 1111 Agua Fria St, Santa Fe, NM 87501505-989-3960 · about 58 miles from the centre of Taos County
- Homewise, Inc.HUD-approved housing counselor · 1301 Siler Rd, Santa Fe, NM 87507505-983-9473 · about 60 miles from the centre of Taos County
Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.
Other New Mexico counties
Source: CDFI Atlas, cdfiatlas.com/states/nm/counties/taos-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).