Mortgage lending in Valencia County
1,924 mortgages were originated in Valencia 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
- 1,924
- Median rate
- 6.500%
- Median lender fees
- $6,247
- Median loan amount
- $225,000
- Median spread over APOR
- 0.320
- Paid discount points
- 43.2%
- Received lender credits
- 21.9%
- Purchases / refinances
- 62.5% / 25.3%
- Conventional / FHA / VA
- 58.3% / 23.4% / 16.3%
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 81.5% 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 Valencia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Waterstone Mortgage Corporation | 137 | $5,221 | 6.750% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 123 | $6,060 | 6.500% |
| NUSENDA | 120 | — | 8.250% |
| GUILD MORTGAGE COMPANY | 110 | $6,208 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 104 | $6,238 | 6.125% |
| Rocket Mortgage, LLC | 98 | $5,808 | 6.813% |
| DHI MORTGAGE COMPANY, LTD. | 84 | $8,319 | 4.990% |
| Loandepot.Com, LLC | 80 | $8,633 | 5.875% |
| Sunward Federal Credit Union | 54 | — | 6.250% |
| Mortgage Research Center, LLC | 51 | $4,503 | 6.125% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Valencia County — not a rule of thumb.
From 1,569 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