What people paid for mortgages in Sandoval County, NM (2025)
Across 2,259 closed home-purchase loans in 2025, the median interest rate in Sandoval was 6.25%, and the middle half of borrowers got between 5.75% and 6.75%. Median total loan costs ran $7,553 on a median loan of $345,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $7,553
- Median loan amount
- $345,000
2,259 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $7,695
- Median loan amount
- $305,000
1,054 loans, 2025.
Lowest median rates in Sandoval (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.HOMEAMERICAN MORTGAGE CORPORATION4.5%66 loans, median costs $5,060
- 2.PULTE MORTGAGE LLC4.99%185 loans, median costs $3,574
- 3.DHI MORTGAGE COMPANY, LTD.4.99%131 loans, median costs $9,750
- 4.CALCON MUTUAL MORTGAGE LLC5.75%86 loans, median costs $12,335
- 5.Sunward Federal Credit Union5.875%39 loans, median costs $4,012
Among lenders with at least 30 closed purchase loans in Sandoval County in 2025.
Refinance
- 1.PENNYMAC LOAN SERVICES, LLC5.875%34 loans, median costs $8,632
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%166 loans, median costs $8,306
- 3.Rocket Mortgage, LLC6.125%154 loans, median costs $7,377
- 4.FREEDOM MORTGAGE CORPORATION6.125%76 loans, median costs $7,948
- 5.Loandepot.Com, LLC6.188%40 loans, median costs $8,363
Among lenders with at least 30 closed refinance loans in Sandoval County in 2025.
Lender by lender in Sandoval
Every lender that closed at least 5 qualifying loans in Sandoval 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 | PULTE MORTGAGE LLC | 185 | 4.99% | $3,574 | $0 | $11,771 |
| 2 | GUILD MORTGAGE COMPANY | 171 | 6.5% | $10,605 | $4,529 | $3,490 |
| 3 | Waterstone Mortgage Corporation | 170 | 6.625% | $7,832 | $3,165 | $3,486 |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 145 | 6.467% | $8,671 | $2,932 | $3,139 |
| 5 | DHI MORTGAGE COMPANY, LTD. | 131 | 4.99% | $9,750 | $0 | $3,090 |
| 6 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 120 | 6.5% | $7,671 | $2,719 | $5,194 |
| 7 | CALCON MUTUAL MORTGAGE LLC | 86 | 5.75% | $12,335 | $6,097 | $10,895 |
| 8 | BOKF, National Association | 73 | 6.5% | $6,164 | $2,026 | $2,254 |
| 9 | Mortgage Research Center, LLC | 67 | 6.25% | $4,308 | $0 | $1,463 |
| 10 | HOMEAMERICAN MORTGAGE CORPORATION | 66 | 4.5% | $5,060 | $0 | $6,376 |
| 11 | CMG MORTGAGE, INC. | 66 | 6.25% | $9,983 | $3,140 | $3,396 |
| 12 | BUILDERS CHOICE MORTGAGE LLC | 52 | 6.433% | $10,911 | $4,568 | $4,594 |
| 13 | Rocket Mortgage, LLC | 51 | 6.5% | $6,833 | $3,875 | $3,881 |
| 14 | JPMorgan Chase Bank, National Association | 43 | 6.49% | $4,520 | $1,630 | $3,407 |
| 15 | Sunward Federal Credit Union | 39 | 5.875% | $4,012 | $1,495 | $2,900 |
| 16 | 21st Mortgage Corporation | 35 | 8.95% | $7,207 | $4,500 | n/a |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 30 | 6.162% | $11,588 | $3,768 | $10,011 |
| 18 | Sunflower Bank, National Association | 28 | 6.25% | $9,474 | $3,184 | $5,978 |
| 19 | Navy Federal Credit Union | 28 | 6.125% | $4,514 | $0 | $3,181 |
| 20 | DIRECTORS MORTGAGE, INC. | 27 | 6.875% | $7,464 | $3,290 | $5,236 |
| 21 | MOVEMENT MORTGAGE, LLC | 25 | 6.75% | $5,483 | $3,261 | $1,671 |
| 22 | NUSENDA | 24 | 6.125% | $3,680 | $995 | $2,126 |
| 23 | Loandepot.Com, LLC | 24 | 6.562% | $9,513 | $2,823 | $2,247 |
| 24 | PLAZA HOME MORTGAGE, INC.broker only | 22 | 6.25% | $10,341 | $4,031 | $2,663 |
| 25 | HOMETRUST MORTGAGE COMPANY | 21 | 6.375% | $8,965 | $2,829 | $6,638 |
| 26 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 20 | 6.5% | $11,565 | $4,716 | $6,420 |
| 27 | AMERICAN PACIFIC MORTGAGE CORPORATION | 18 | 6.5% | $7,605 | $3,103 | $2,561 |
| 28 | VAN DYK MORTGAGE CORPORATION | 18 | 6.188% | $8,296 | $3,481 | $2,927 |
| 29 | Broker Solutions, Inc. | 17 | 6.625% | $10,050 | $3,229 | $2,469 |
| 30 | GUARANTEED RATE, INC. | 16 | 6.25% | $4,942 | $2,826 | $2,777 |
| 31 | Bank of America, National Association | 15 | 6.125% | $2,854 | $1,481 | $2,534 |
| 32 | USAA Federal Savings Bank | 15 | 6.25% | $5,353 | $1,667 | $1,678 |
| 33 | PENNYMAC LOAN SERVICES, LLC | 15 | 6.25% | $6,167 | $4,026 | $3,611 |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.625% | $11,161 | $3,388 | $3,131 |
| 35 | Click n' Close, Inc. | 12 | 6.562% | $4,653 | $6,258 | $1,119 |
| 36 | KIND LENDING, LLC | 12 | 6.5% | $10,244 | $4,372 | $3,102 |
| 37 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 11 | 6.625% | $4,235 | $3,117 | $1,825 |
| 38 | Wells Fargo Bank, National Association | 11 | 6.125% | $4,910 | $2,340 | $2,015 |
| 39 | Nations Lending Corporation | 10 | 6.562% | $4,623 | $1,894 | $2,379 |
| 40 | VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 10.25% | $8,487 | $5,501 | $1,000 |
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.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Sandoval figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Sandoval County in 2025?
The median interest rate on closed home-purchase loans in Sandoval County, New Mexico in 2025 was 6.25%, across 2,259 first-lien, owner-occupied loans. The middle half of borrowers got between 5.75% and 6.75%.
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.