Mortgage lending in Santa Fe County
3,074 mortgages were originated in Santa Fe 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
- 3,074
- Median rate
- 6.625%
- Median lender fees
- $5,747
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
- $315,000
- Above the going rate (spread over APOR)
- 0.295
- Paid discount points
- 40.8%
- Received lender credits
- 23.5%
- Purchases / refinances
- 51.1% / 31.7%
- Conventional / FHA / VA
- 83.6% / 8.9% / 7.4%
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 75.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $569,250
- Median home price
- $495,000
- That home, 20% down
- $396,000
A median-priced home with 20% down leaves $436,750 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 Santa Fe County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 188 | $4,506 | 6.990% |
| United Shore Financial Services, LLC | 176 | $7,229 | 6.499% |
| Waterstone Mortgage Corporation | 176 | $6,675 | 6.875% |
| Nusenda | 156 | $4,354 | 8.000% |
| Del Norte Credit Union | 156 | $1,817 | 5.750% |
| Sunflower Bank, National Association | 125 | $6,805 | 6.625% |
| State Employees Credit Union | 116 | $2,089 | 7.250% |
| Guild Mortgage Company | 102 | $8,002 | 6.625% |
| Nations Lending Corporation | 78 | $5,204 | 6.875% |
| Crosscountry Mortgage, Inc. | 69 | $13,752 | 6.375% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Santa Fe County — not a rule of thumb.
From 2,325 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