Mortgage lending in Do�a Ana County
4,013 mortgages were originated in Do�a Ana 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
- 4,013
- Median rate
- 6.500%
- Median lender fees
- $5,887
- Median loan amount
- $225,000
- Median spread over APOR
- 0.289
- Paid discount points
- 48.4%
- Received lender credits
- 24.4%
- Purchases / refinances
- 63.5% / 26.1%
- Conventional / FHA / VA
- 62.1% / 22.6% / 15%
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 82.2% 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 Do�a Ana County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 343 | $5,777 | 6.500% |
| Citizens Bank of Las Cruces | 312 | $3,621 | 6.624% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 276 | $10,774 | 5.825% |
| GUILD MORTGAGE COMPANY | 267 | $4,118 | 6.625% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 167 | $3,424 | 6.500% |
| CROSSCOUNTRY MORTGAGE, INC. | 156 | $11,821 | 6.125% |
| 21st Mortgage Corporation | 96 | — | 9.810% |
| Waterstone Mortgage Corporation | 88 | $3,993 | 6.875% |
| Commerce Home Mortgage, Inc. | 81 | $10,369 | 6.750% |
| FirstLight Federal Credit Union | 76 | $2,111 | 6.875% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Do�a Ana County — not a rule of thumb.
From 3,298 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