Purchase Originations
241
Median Total Costs
$4,481
−32.9% vs national ($6,680)
↑ $782 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$375
Median Lender Credits
$375
Denial Rate
3.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 141 | 6.500% | $3,109 | $375 |
| fha | 66 | 6.250% | $8,290 | $375 |
| va | 34 | 6.188% | $4,585 | $375 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Mexico | 235 | 6.375% | $4,537 | #20 |
| Texas | 5 | 6.624% | $4,097 | — |
| Arizona | 1 | 6.625% | $5,440 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,767 | 6.875% | — | 5 | −$2,714 | |
| 2 | $3,325 | 6.875% | — | 1 | −$1,156 | |
| 3 | $3,477 | 6.250% | — | 3 | −$1,004 | |
| 4 | $3,537 | 6.375% | — | 1 | −$944 | |
| 5 | $4,014 | 6.624% | — | 4 | −$467 | |
| 6 | $4,097 | 6.500% | — | 1 | −$384 | |
| 7 | $4,163 | 5.624% | — | 1 | −$318 | |
| 8 | $4,607 | 6.375% | — | 221 | +$126 | |
| 9 | $5,440 | 6.625% | — | 1 | +$959 | |
| 10 | $6,233 | 6.500% | — | 1 | +$1,752 | |
| 11 | $6,277 | 6.750% | — | 2 | +$1,796 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Citizens Bank of Las Cruces | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $4,481 | $7,127 | −$2,646 (−37.1%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.