What people paid for mortgages in Eddy County, NM (2025)

Across 651 closed home-purchase loans in 2025, the median interest rate in Eddy was 6.625%, and the middle half of borrowers got between 6.25% and 6.99%. Median total loan costs ran $7,156 on a median loan of $265,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.99%
Median total loan costs: $7,156
Median loan amount: $265,000

651 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.75%–6.625%
Median total loan costs: $7,551
Median loan amount: $255,000

185 loans, 2025.

Lowest median rates in Eddy (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.GUILD MORTGAGE COMPANY6.375%35 loans, median costs $9,135
2.Rocket Mortgage, LLC6.625%67 loans, median costs $6,474
3.EVERGREEN MONEYSOURCE MORTGAGE COMPANY6.75%33 loans, median costs $7,994
4.21st Mortgage Corporation9.54%34 loans, median costs $6,860

Among lenders with at least 30 closed purchase loans in Eddy County in 2025.

Refinance

1.PENNYMAC LOAN SERVICES, LLC5.75%12 loans, median costs $7,757
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%17 loans, median costs $8,169
3.Rocket Mortgage, LLC6.125%53 loans, median costs $7,293

Among lenders with at least 10 closed refinance loans in Eddy County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Eddy

Every lender that closed at least 5 qualifying loans in Eddy County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	Rocket Mortgage, LLC	67	6.625%	$6,474	$3,255	$2,493
2	Western Commerce Bank	52	n/a	n/a	n/a	n/a
3	GUILD MORTGAGE COMPANY	35	6.375%	$9,135	$4,067	$4,357
4	21st Mortgage Corporation	34	9.54%	$6,860	$4,500	n/a
5	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	33	6.75%	$7,994	$2,970	$1,851
6	Mortgage Research Center, LLC	26	6.5%	$2,754	$520	$921
7	First American Bank	24	6.625%	$2,897	$984	$308
8	Prosperity Home Mortgage, LLC	19	6.5%	$6,807	$1,575	$894
9	PENNYMAC LOAN SERVICES, LLC	18	6.625%	$6,920	$0	$1,580
10	GENEVA FINANCIAL, LLC	17	6.75%	$9,254	$2,401	$1,048
11	CMG MORTGAGE, INC.	17	6.5%	$9,583	$2,766	$1,897
12	Broker Solutions, Inc.	16	6.875%	$8,348	$3,024	$1,400
13	PRIMARY RESIDENTIAL MORTGAGE, INC.	15	6.25%	$9,503	$2,875	$3,125
14	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	15	6.499%	$9,415	$2,999	$2,703
15	SECURITYNATIONAL MORTGAGE COMPANY	15	6.625%	$10,490	$1,995	$792
16	AMERICAN PACIFIC MORTGAGE CORPORATION	13	6.25%	$11,481	$3,876	$2,035
17	Paramount Residential Mortgage Group, Inc.	11	6.625%	$6,428	$544	$1,913
18	TRIAD FINANCIAL SERVICES, INC.	11	9.3%	n/a	n/a	n/a
19	CROSSCOUNTRY MORTGAGE, INC.	10	6.495%	$12,876	$5,312	$6,852
20	Goldwater Bank, N.A.	10	6.75%	$4,677	$1,719	$238
21	GUARANTEED RATE AFFINITY, LLC	9	6.225%	$1,617	$0	n/a
22	VANDERBILT MORTGAGE AND FINANCE, INC.	9	9.25%	n/a	n/a	n/a
23	KIND LENDING, LLC	9	6.625%	$9,706	$5,955	$447
24	Wells Fargo Bank, National Association	9	6.75%	$5,699	$2,085	$675
25	Loandepot.Com, LLC	8	6.62%	$8,721	$2,531	$2,278
26	Premia Mortgage, LLC DBA Premia Relocation Mortgage	7	6.625%	$3,616	$0	$3,454
27	DIRECTORS MORTGAGE, INC.	7	6.875%	$6,665	$2,915	$1,743
28	U.S. Bank National Association	7	6.49%	$2,342	$1,231	$613
29	Click n' Close, Inc.	6	6.562%	$5,570	$6,905	$589
30	AMERICAN FINANCIAL NETWORK, INC.	6	6.375%	$8,487	$1,300	n/a
31	SUN AMERICAN MORTGAGE COMPANY	6	6.625%	$7,015	$1,535	n/a
32	PRIMELENDING, A PLAINSCAPITAL COMPANY	5	6.625%	$11,124	$2,722	$3,807
33	Navy Federal Credit Union	5	6.125%	$6,070	$0	n/a
34	USAA Federal Savings Bank	5	5.75%	$10,887	$1,518	$1,518

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Eddy figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Eddy County in 2025?

The median interest rate on closed home-purchase loans in Eddy County, New Mexico in 2025 was 6.625%, across 651 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.99%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.