Citizens Bank of Las Cruces closing costs and rates (2024)
In 2024, Citizens Bank of Las Cruces originated 233 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,699. That is $3,042 below the national median of $6,741. Citizens Bank of Las Cruces is most active in New Mexico with 224 originations there.
Purchase Originations
233
Median Total Costs
$3,699
−45.1% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$375
Median Lender Credits
$375
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 161 | 6.875% | $2,891 | $375 |
| fha | 49 | 6.250% | $8,183 | $375 |
| va | 23 | 6.750% | $6,848 | $739 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Mexico | 224 | 6.625% | $3,504 | #19 |
| Texas | 7 | 6.500% | $5,698 | — |
| Arizona | 2 | 6.875% | $5,873 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,667 | 6.990% | — | 1 | −$1,032 | |
| 2 | $3,469 | 6.625% | — | 217 | −$230 | |
| 3 | $3,496 | 6.750% | — | 1 | −$203 | |
| 4 | $3,862 | 6.875% | — | 1 | +$163 | |
| 5 | $4,395 | 7.000% | — | 1 | +$696 | |
| 6 | $5,321 | 6.500% | — | 1 | +$1,622 | |
| 7 | $5,589 | 6.375% | — | 2 | +$1,890 | |
| 8 | $5,873 | 6.875% | — | 2 | +$2,174 | |
| 9 | $6,157 | 7.250% | — | 1 | +$2,458 | |
| 10 | $7,575 | 6.312% | — | 6 | +$3,876 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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 2024, 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.