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Doña Ana County, New Mexico
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Doña Ana County, New Mexico, saw 7,606 HMDA-reported applications and 3,855 originations ($887m) in 2024.
That is 45.4 originations per 1,000 households, against 43.7 for New Mexico and 48.0 nationally.
The county's denial rate was 28.8%, above the state rate of 25.7%. The median rate spread on originated loans was 0.4 percentage points and 22.0% of originations were 1.5 points or more above the average prime offer rate.
56 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (310), Citizens Bank of Las Cruces (309) and United Wholesale Mortgage (233).
Originations were up 18% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 56. Denial rate is denials over decided applications in this county.
Compared with New Mexico and the nation
| Measure | This county | New Mexico | United States |
|---|---|---|---|
| Denial rate | 28.8% | 25.7% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.0% | 22.3% | 15.6% |
| Average originated loan | $230k | $247k | $329k |
| Originations per 1,000 households | 45.4 | 43.7 | 48.0 |
| Home purchase share of originations | 66.7% | 62.7% | 57.0% |
| FHA-insured share | 22.4% | 17.8% | 13.4% |
| VA-guaranteed share | 13.8% | 12.0% | 7.9% |
Rate spread distribution
Share of 3,430 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: New Mexico). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 67% (2,572)Home improvement 4% (157)Refinancing 8% (301)Cash-out refinancing 15% (575)Other purpose 6% (247)
By type
Conventional 64% (2,455)FHA 22% (862)VA 14% (532)USDA 0% (6)
Trend by year
ApplicationsOriginations
This countyNew Mexico
Questions and answers
Which lenders are most active in Doña Ana County, NM?
By 2024 originations: Rocket Mortgage (310), Citizens Bank of Las Cruces (309), United Wholesale Mortgage (233), Guild Mortgage Company (190), Waterstone Mortgage Corporation (181). 56 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Doña Ana County?
28.8% of decided applications were denied in 2024, against 25.7% across New Mexico and 24.3% nationally.
How many mortgages were originated in Doña Ana County in 2024?
3,855 loans totalling $887m, from 7,606 applications; 45.4 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 35013; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.