Mortgage lending in Sandoval County
5,039 mortgages were originated in Sandoval County, New Mexico, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,039
- Median rate
- 6.625%
- Median lender fees
- $6,113
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $275,000
- Above the going rate (spread over APOR)
- 0.268
- Paid discount points
- 47.1%
- Received lender credits
- 19.3%
- Purchases / refinances
- 54.1% / 29.8%
- Conventional / FHA / VA
- 64.9% / 19.1% / 15.2%
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 78.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $366,000
- That home, 20% down
- $292,800
A median-priced home with 20% down leaves $539,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Sandoval County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 359 | $4,807 | 6.875% |
| United Shore Financial Services, LLC | 333 | $8,481 | 6.125% |
| Guild Mortgage Company | 284 | $8,002 | 6.625% |
| Waterstone Mortgage Corporation | 259 | $5,692 | 6.875% |
| Nusenda | 252 | — | 8.000% |
| Pulte Mortgage LLC | 185 | $3,574 | 4.990% |
| Primary Residential Mortgage, Inc. | 163 | $6,462 | 6.625% |
| Sunward Federal Credit Union | 163 | $2,305 | 6.500% |
| DHI Mortgage Company, Ltd. | 138 | $9,680 | 4.990% |
| BOKF, National Association | 127 | $5,669 | 6.625% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Sandoval County — not a rule of thumb.
From 3,972 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers