New Mexico mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Bernalillo County | 5,816 | 6.499% | $6,310 | 6.125% |
| Sandoval County | 2,259 | 6.25% | $7,553 | 6.125% |
| Doña Ana County | 1,999 | 6.25% | $7,623 | 6.125% |
| Santa Fe County | 1,259 | 6.625% | $6,289 | 6.25% |
| Valencia County | 968 | 6.25% | $8,092 | 6.25% |
| San Juan County | 714 | 6.625% | $8,320 | 6.125% |
| Otero County | 710 | 6.375% | $6,074 | 6% |
| Eddy County | 651 | 6.625% | $7,156 | 6.25% |
| Lea County | 472 | 6.75% | $8,040 | 6.25% |
| Curry County | 456 | 6.25% | $5,389 | 6.125% |
| Chaves County | 449 | 6.5% | $7,458 | 6.25% |
| Los Alamos County | 281 | 6.375% | $6,502 | 5.99% |
| Torrance County | 194 | 6.625% | $7,996 | 6.25% |
| Taos County | 183 | 6.625% | $5,320 | 6.562% |
| McKinley County | 161 | 6.875% | $5,815 | 6.058% |
| Grant County | 157 | 6.5% | $6,740 | 6.375% |
| Rio Arriba County | 154 | 6.875% | $7,735 | 6.49% |
| Lincoln County | 146 | 6.625% | $6,430 | 6.25% |
| Luna County | 128 | 6.375% | $6,795 | 6.25% |
| San Miguel County | 127 | 6.75% | $7,234 | 6.5% |
| Roosevelt County | 127 | 6.5% | $5,973 | 6.37% |
| Sierra County | 84 | 6.375% | $4,949 | 6.375% |
| Colfax County | 81 | 6.625% | $5,502 | 6.25% |
| Socorro County | 79 | 6.625% | $6,107 | 6.25% |
| Cibola County | 75 | 6.875% | $6,591 | 6.5% |
| Quay County | 28 | 6.688% | $4,997 | 6.25% |
| Mora County | 20 | 8.785% | $5,006 | n/a |
| Guadalupe County | 15 | 6.625% | $7,820 | 6.25% |
| Catron County | 14 | 6.495% | $5,537 | n/a |
| Union County | 12 | 6.375% | $5,093 | 6.4% |
| Hidalgo County | 11 | 6.75% | $5,982 | n/a |
| De Baca County | 8 | 6.438% | $5,595 | n/a |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.