Lowest closing cost mortgage lenders in Santa Fe County County, New Mexico
In Santa Fe County, New Mexico, homebuyers paid a median of $6,927 in closing costs in 2024 — below the New Mexico median of $7,095. The county saw 1,203 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $1,291, which is $4,855 less than the county median.
Homebuyers in Santa Fe County County who chose PULTE MORTGAGE LLC paid $5,636 less in closing costs than the county median.
County Median Costs
$6,927
−2.4% vs New Mexico ($7,095)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,796
Purchase Originations
1,203
vs New Mexico Median
2.4% below
$-168
vs National Median
2.8% above
$186
Lender rankings in Santa Fe County County
27 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,291 | 5.750% | $0 | 56 | −$4,855 | |
| 2 | $3,315 | 6.075% | $815 | 10 | −$2,831 | |
| 3 | $3,343 | 6.990% | $1,361 | 33 | −$2,803 | |
| 4 | $4,072 | 5.990% | $0 | 20 | −$2,074 | |
| 5 | $4,315 | 6.125% | $995 | 44 | −$1,831 | |
| 6 | $4,394 | 5.875% | $925 | 32 | −$1,752 | |
| 7 | $5,037 | 6.990% | $1,465 | 48 | −$1,109 | |
| 8 | $5,151 | 6.750% | $1,175 | 14 | −$995 | |
| 9 | $5,415 | 6.750% | $2,527 | 12 | −$731 | |
| 10 | $5,469 | 7.058% | $2,178 | 14 | −$677 | |
| 11 | $5,624 | 6.625% | $2,538 | 46 | −$522 | |
| 12 | $5,852 | 7.000% | $2,856 | 11 | −$294 | |
| 13 | $6,337 | 6.625% | $3,025 | 37 | +$191 | |
| 14 | $6,442 | 6.438% | $3,210 | 26 | +$296 | |
| 15 | $6,605 | 6.998% | $3,980 | 59 | +$459 | |
| 16 | $6,662 | 8.600% | $4,500 | 11 | +$516 | |
| 17 | $6,785 | 6.500% | $2,468 | 21 | +$639 | |
| 18 | $7,073 | 6.990% | $3,769 | 72 | +$927 | |
| 19 | $7,906 | 6.990% | $4,725 | 11 | +$1,760 | |
| 20 | $8,632 | 6.500% | $5,406 | 38 | +$2,486 | |
| 21 | $8,773 | 6.875% | $4,519 | 11 | +$2,627 | |
| 22 | $8,913 | 6.875% | $5,599 | 46 | +$2,767 | |
| 23 | $10,487 | 6.625% | $6,441 | 21 | +$4,341 | |
| 24 | $10,957 | 7.058% | $7,347 | 12 | +$4,811 | |
| 25 | $12,076 | 6.250% | $9,810 | 11 | +$5,930 |
Includes lenders with 10+ purchase originations in Santa Fe County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in New Mexico → Lender Directory
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.