Mortgage lending in Bernalillo County
14,288 mortgages were originated in Bernalillo County, New Mexico, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,288
- Median rate
- 6.750%
- Median lender fees
- $5,283
- Median loan amount
- $225,000
- Median spread over APOR
- 0.372
- Paid discount points
- 38.7%
- Received lender credits
- 18.1%
- Purchases / refinances
- 52.6% / 28.9%
- Conventional / FHA / VA
- 75.4% / 14.5% / 9.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Bernalillo County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| NUSENDA | 1,169 | $3,592 | 8.000% |
| Waterstone Mortgage Corporation | 1,082 | $5,376 | 6.875% |
| GUILD MORTGAGE COMPANY | 935 | $6,436 | 6.625% |
| Rocket Mortgage, LLC | 876 | $5,172 | 6.813% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 822 | $7,417 | 6.250% |
| Sunward Federal Credit Union | 754 | $2,372 | 6.500% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 512 | $5,701 | 6.625% |
| BOKF, National Association | 471 | $5,033 | 6.625% |
| Kirtland Federal Credit Union | 347 | — | 7.500% |
| CMG MORTGAGE, INC. | 290 | $7,080 | 6.625% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Bernalillo County — not a rule of thumb.
From 10,396 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers