Mortgage lending in Sandoval County
5,039 mortgages were originated in Sandoval 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
- 5,039
- Median rate
- 6.625%
- Median lender fees
- $6,113
- Median loan amount
- $275,000
- Median 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
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 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% |
| Sunward Federal Credit Union | 163 | $2,305 | 6.500% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 163 | $6,462 | 6.625% |
| 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, escrow and taxes are extra and are not in these figures. Compare two offers