Lender in New Mexico · HMDA 2025
Citizens Bank of Las Cruces mortgages in New Mexico
Citizens Bank of Las Cruces's 2025 home-purchase and refinance lending in New Mexico, compared with all lenders in the state.
Citizens Bank of Las Cruces originated 243 owner-occupied single-family loans in New Mexico from 254 completed applications, making it the state's #23 lender by volume.
Its median conventional purchase loan costs were $3,060 versus $5,210 for all New Mexico lenders, at a median 30-year fixed rate of 6.624% (New Mexico: 6.625%).
Loans in NM
243
of 254 applications
Denial rate
3.8%
Purchase · NM 8.3%
Rate spread
+0.06 pts
Conv. · NM +0.18 pts
Loan amount
$285,000
Purchase · NM $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 239 | 230 | 3.8% | 6.624% | +0.06 pts | $3,060 | $285,000 |
| Refinance | 6 | 5 | — | — | — | — | — |
| Cash-out refinance | 9 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New Mexico counties where Citizens Bank of Las Cruces ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Doña Ana County | 2 | 228 | 9.2% |
| Sierra County | 5 | 6 | 7.5% |
| Lincoln County | 23 | 2 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology