SANTA FE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Santa Fe averaged
6.83%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.54% and
one month ago for the week of 2025-02-27, the
average rate was 6.95%.
Santa Fe's average rate one year ago was 6.88%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.19%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Santa Fe 30 Year Fixed Rate | 2025-04-03 | 6.83% |
| Santa Fe 30 Year Fixed Rate Refi | 2025-04-03 | 7.19% |
| Santa Fe 15 Year Fixed Rate | 2025-04-03 | 5.82% |
| Santa Fe 15 Year Fixed Rate Refi | 2025-04-03 | 6.02% |
| Santa Fe 30 Year FHA | 2025-04-03 | 6.03% |
| Santa Fe 30 Year FHA Refi | 2025-04-03 | 6.16% |
| Santa Fe 30 Year USDA | 2025-04-03 | 6.22% |
| Santa Fe 30 Year USDA Refi | 2025-04-03 | 6.32% |
| Santa Fe 30 Year VA | 2025-04-03 | 6.11% |
| Santa Fe 30 Year VA Refi | 2025-04-03 | 6.16% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SANTA FE, NM.
SANTA FE Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SANTA FE, NM market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
SANTA FE Average Closing Costs & Other Stats
SANTA FE, NM's 142 lenders originated 2,669
loans during 2024. The total origination value was $1,153,015,000, with an average loan value of
$432,003.
SANTA FE's average closing costs are $6,094.
The top SANTA FE lender as defined by loan originations is QUICKEN LOANS, LLC, with
87 loans originated. Their average total fees are
$8,860, which is $800
higher than the next largest lender,
Waterstone Mortgage Corporation.
The lowest fee SANTA FE lenders (with over 10 loans originated) are
PULTE MORTGAGE LLC ($3,603), NUSENDA ($4,746), DHI MORTGAGE COMPANY, LTD. ($4,916), Bell Bank ($4,938) and Morgan Stanley Private Bank ($5,010).
The lowest rate SANTA FE lenders (with over 10 loans originated) are
PULTE MORTGAGE LLC (5.90%), Del Norte Credit Union (6.01%), Morgan Stanley Private Bank (6.15%), Plains Commerce Bank (6.20%) and DHI MORTGAGE COMPANY, LTD. (6.22%).
SANTA FE, NM Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| CBRE MULTIFAMILY CAPITAL, INC. | $85,805,000 | n/a | 7.4% | |
| ORIX REAL ESTATE CAPITAL, LLC | $39,055,000 | $60,750,000 | 55.5% | 5.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $38,360,000 | $56,890,000 | 48.3% | 4.9% |
| QUICKEN LOANS, LLC | $37,390,000 | $54,055,000 | 44.6% | 4.7% |
| Waterstone Mortgage Corporation | $47,315,000 | $46,895,000 | -0.9% | 4.1% |
| NUSENDA | $32,795,000 | $43,365,000 | 32.2% | 3.8% |
| Nations Lending Corporation | $24,910,000 | $40,635,000 | 63.1% | 3.5% |
| PULTE MORTGAGE LLC | $36,325,000 | $34,465,000 | -5.1% | 3.0% |
| GUILD MORTGAGE COMPANY | $16,160,000 | $32,235,000 | 99.5% | 2.8% |
| BOKF | $30,125,000 | $31,730,000 | 5.3% | 2.8% |
| Del Norte Credit Union | $23,795,000 | $30,175,000 | 26.8% | 2.6% |
| GREYSTONE SERVICING COMPANY LLC | $28,240,000 | n/a | 2.4% | |
| Sunflower Bank | $17,455,000 | $24,265,000 | 39.0% | 2.1% |
| CARDINAL FINANCIAL | $13,570,000 | $22,980,000 | 69.3% | 2.0% |
| Morgan Stanley Private Bank | $15,000,000 | $22,260,000 | 48.4% | 1.9% |
| JPMorgan Chase Bank | $18,405,000 | $21,220,000 | 15.3% | 1.8% |
| Wells Fargo Bank | $34,495,000 | $20,510,000 | -40.5% | 1.8% |
| Bank of America | $21,045,000 | $19,335,000 | -8.1% | 1.7% |
| Bell Bank | $17,555,000 | $19,270,000 | 9.8% | 1.7% |
| SANDIA LABORATORY | $7,915,000 | $17,955,000 | 126.8% | 1.6% |
| STATE EMPLOYEES | $18,785,000 | $17,615,000 | -6.2% | 1.5% |
| DHI MORTGAGE COMPANY, LTD. | $14,530,000 | n/a | 1.3% | |
| Mortgage Research Center, LLC | $8,345,000 | $13,250,000 | 58.8% | 1.1% |
| U.S. Bank | $11,405,000 | $12,670,000 | 11.1% | 1.1% |
| DIRECTORS MORTGAGE, INC. | $5,630,000 | $11,775,000 | 109.1% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $9,010,000 | $11,305,000 | 25.5% | 1.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $8,065,000 | $10,610,000 | 31.6% | 0.9% |
| LOANDEPOT.COM, LLC | $10,000,000 | $10,370,000 | 3.7% | 0.9% |
| Charles Schwab Bank, SSB | $4,790,000 | $10,165,000 | 112.2% | 0.9% |
| PLAZA HOME MORTGAGE, INC. | $8,620,000 | $10,120,000 | 17.4% | 0.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,350,000 | $9,510,000 | 183.9% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $2,375,000 | $9,185,000 | 286.7% | 0.8% |
| SUMMIT FUNDING, INC. | $1,400,000 | $9,015,000 | 543.9% | 0.8% |
| 21ST MORTGAGE CORPORATION | $10,450,000 | $8,395,000 | -19.7% | 0.7% |
| UNION HOME MORTGAGE CORP. | $9,920,000 | $8,260,000 | -16.7% | 0.7% |
| MidFirst Bank | $14,900,000 | $7,850,000 | -47.3% | 0.7% |
| GUARANTEED RATE, INC. | $14,245,000 | $7,320,000 | -48.6% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,680,000 | $6,435,000 | 37.5% | 0.6% |
| Plains Commerce Bank | $2,825,000 | $6,420,000 | 127.3% | 0.6% |
| UBS Bank USA | $3,935,000 | $6,190,000 | 57.3% | 0.5% |
| Enterprise Bank & Trust | $7,840,000 | $6,065,000 | -22.6% | 0.5% |
| GUADALUPE CREDIT UNION | $4,855,000 | $5,965,000 | 22.9% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $8,045,000 | $5,570,000 | -30.8% | 0.5% |
| Hometown Equity Mortgage, LLC | $355,000 | $5,305,000 | 1,394.4% | 0.5% |
| USAA Federal Savings Bank | $6,755,000 | $5,120,000 | -24.2% | 0.4% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $4,895,000 | n/a | 0.4% | |
| PENNYMAC LOAN SERVICES, LLC | $5,740,000 | $4,615,000 | -19.6% | 0.4% |
| Citibank | $1,840,000 | $4,485,000 | 143.8% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,805,000 | $4,320,000 | -10.1% | 0.4% |
| Gateway First Bank | $15,810,000 | $4,085,000 | -74.2% | 0.4% |
| CMG MORTGAGE, INC. | $3,975,000 | $4,075,000 | 2.5% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $1,185,000 | $3,880,000 | 227.4% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $1,410,000 | $3,825,000 | 171.3% | 0.3% |
| Stifel Bank and Trust | $1,385,000 | $3,690,000 | 166.4% | 0.3% |
| The Huntington National Bank | $1,955,000 | $3,680,000 | 88.2% | 0.3% |
| Commerce Home Mortgage, Inc. | $5,960,000 | $3,430,000 | -42.4% | 0.3% |
| Flagstar Bank, FSB | $3,100,000 | $3,385,000 | 9.2% | 0.3% |
| SANDIA AREA | $3,035,000 | $3,375,000 | 11.2% | 0.3% |
| BMO Harris Bank | $4,010,000 | $3,200,000 | -20.2% | 0.3% |
| Washington Federal Bank | $6,610,000 | $3,060,000 | -53.7% | 0.3% |
| NEWREZ LLC | $3,115,000 | $3,055,000 | -1.9% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $2,160,000 | $3,020,000 | 39.8% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,580,000 | $2,995,000 | 89.6% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $990,000 | $2,985,000 | 201.5% | 0.3% |
| MOUNTAIN AMERICA | $940,000 | $2,800,000 | 197.9% | 0.2% |
| SpiritBank | $2,795,000 | n/a | 0.2% | |
| Raymond James Bank | $1,755,000 | $2,760,000 | 57.3% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $710,000 | $2,750,000 | 287.3% | 0.2% |
| BAY EQUITY LLC | $1,950,000 | $2,720,000 | 39.5% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $3,370,000 | $2,705,000 | -19.7% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $3,560,000 | $2,700,000 | -24.2% | 0.2% |
| LENDSURE MORTGAGE CORP. | $1,840,000 | $2,685,000 | 45.9% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $535,000 | $2,530,000 | 372.9% | 0.2% |
| UNION SQUARE | $2,475,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $3,555,000 | $2,290,000 | -35.6% | 0.2% |
| PNC Bank | $3,660,000 | $2,250,000 | -38.5% | 0.2% |
| NBKC BANK | $1,830,000 | $2,170,000 | 18.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $4,340,000 | $2,165,000 | -50.1% | 0.2% |
| BAYSHORE MORTGAGE FUNDING, LLC | $1,915,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $1,840,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $2,675,000 | $1,815,000 | -32.1% | 0.2% |
| First-Citizens Bank & Trust Company | $4,595,000 | $1,805,000 | -60.7% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $730,000 | $1,780,000 | 143.8% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $510,000 | $1,760,000 | 245.1% | 0.2% |
| First Western Trust Bank | $1,755,000 | n/a | 0.2% | |
| MERITRUST Federal Credit Union | $1,725,000 | n/a | 0.1% | |
| Ally Bank | $520,000 | $1,715,000 | 229.8% | 0.1% |
| Equity Prime Mortgage LLC | $415,000 | $1,695,000 | 308.4% | 0.1% |
| OCMBC, INC. | $265,000 | $1,675,000 | 532.1% | 0.1% |
| North American Savings Bank, F.S.B. | $880,000 | $1,655,000 | 88.1% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $435,000 | $1,640,000 | 277.0% | 0.1% |
| The Federal Savings Bank | $1,715,000 | $1,565,000 | -8.7% | 0.1% |
| PREMIA MORTGAGE, LLC | $725,000 | $1,520,000 | 109.7% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,120,000 | $1,510,000 | -28.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $2,275,000 | $1,510,000 | -33.6% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $500,000 | $1,475,000 | 195.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $2,455,000 | $1,465,000 | -40.3% | 0.1% |
| Spring Hill State Bank | $1,465,000 | n/a | 0.1% | |
| City Bank | $715,000 | $1,460,000 | 104.2% | 0.1% |
| Discover Bank | $1,820,000 | $1,365,000 | -25.0% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,310,000 | n/a | 0.1% | |
| Zions Bank | $25,000 | $1,300,000 | 5,100.0% | 0.1% |
| PHH Mortgage Corporation | $715,000 | $1,150,000 | 60.8% | 0.1% |
| First Horizon Bank | $1,140,000 | n/a | 0.1% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,115,000 | n/a | 0.1% | |
| Goldwater Bank, N.A. | $1,075,000 | n/a | 0.1% | |
| State Department Federal Credit Union | $1,070,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $860,000 | $1,055,000 | 22.7% | 0.1% |
| MEMBER HOME LOAN, L.L.C. | $1,035,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $1,025,000 | n/a | 0.1% | |
| Figure Lending LLC | $1,730,000 | $1,020,000 | -41.0% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $195,000 | $1,015,000 | 420.5% | 0.1% |
| Bethpage Federal Credit Union | $1,005,000 | n/a | 0.1% | |
| Truist | $985,000 | n/a | 0.1% | |
| RIO GRANDE | $970,000 | n/a | 0.1% | |
| Coastal Community Bank | $150,000 | $945,000 | 530.0% | 0.1% |
| U.S. EAGLE | $350,000 | $945,000 | 170.0% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $790,000 | $920,000 | 16.5% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $955,000 | $880,000 | -7.9% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $875,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $830,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $805,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $790,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $440,000 | $785,000 | 78.4% | 0.1% |
| SOUTHWEST FUNDING, LP | $755,000 | n/a | 0.1% | |
| American Bank of Commerce | $705,000 | n/a | 0.1% | |
| First Federal Bank | $670,000 | n/a | 0.1% | |
| Northpointe Bank | $750,000 | $650,000 | -13.3% | 0.1% |
| Prosperity Bank | $635,000 | n/a | 0.1% | |
| Western State Bank | $635,000 | n/a | 0.1% | |
| Affiliated Bank | $605,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $605,000 | n/a | 0.1% | |
| Wallick & Volk, Inc. | $575,000 | $600,000 | 4.3% | 0.1% |
| Kirtland Federal Credit Union | $1,705,000 | $595,000 | -65.1% | 0.1% |
| DAS Acquisition Company, LLC | $575,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $305,000 | $570,000 | 86.9% | 0.0% |
| Leader Bank | $635,000 | $565,000 | -11.0% | 0.0% |
| STANFORD Federal Credit Union | $565,000 | n/a | 0.0% | |
| BNY Mellon | $3,050,000 | $555,000 | -81.8% | 0.0% |
| ENVOY MORTGAGE, LTD | $555,000 | n/a | 0.0% | |
| KeyBank | $555,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $540,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $525,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $3,665,000 | $525,000 | -85.7% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $510,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $510,000 | n/a | 0.0% | |
| City National Bank | $505,000 | n/a | 0.0% | |
| HOMETRUST MORTGAGE COMPANY | $1,545,000 | $495,000 | -68.0% | 0.0% |
| SKYONE Federal Credit Union | $495,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $1,155,000 | $495,000 | -57.1% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $475,000 | n/a | 0.0% | |
| Armed Forces Bank | $465,000 | n/a | 0.0% | |
| Grinnell State Bank | $465,000 | n/a | 0.0% | |
| Merchants Mortgage & Trust Corporation | $465,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $615,000 | $465,000 | -24.4% | 0.0% |
| West Gate Bank | $465,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $355,000 | $455,000 | 28.2% | 0.0% |
| First State Bank | $17,380,000 | $455,000 | -97.4% | 0.0% |
| AAXY L.L.C. | $435,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $435,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $430,000 | n/a | 0.0% | |
| Bank of Colorado | $425,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $395,000 | $425,000 | 7.6% | 0.0% |
| M&T Bank | $415,000 | $415,000 | 0.0% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $395,000 | n/a | 0.0% | |
| Stock Yards Bank & Trust Company | $395,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $770,000 | $390,000 | -49.4% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $285,000 | $380,000 | 33.3% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $620,000 | $375,000 | -39.5% | 0.0% |
| Security First Bank | $375,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $365,000 | n/a | 0.0% | |
| Logan Finance Corporation | $365,000 | n/a | 0.0% | |
| POINT Mortgage | $365,000 | n/a | 0.0% | |
| Amarillo National Bank | $355,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $965,000 | $355,000 | -63.2% | 0.0% |
| The Central Trust Bank | $520,000 | $355,000 | -31.7% | 0.0% |
| Deere Employees Credit Union | $345,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $335,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $335,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $275,000 | $325,000 | 18.2% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $315,000 | n/a | 0.0% | |
| Old National Bank | $315,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $145,000 | $310,000 | 113.8% | 0.0% |
| LOANPAL, LLC | $460,000 | $300,000 | -34.8% | 0.0% |
| Simmons Bank | $295,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $285,000 | n/a | 0.0% | |
| Chickasaw Community Bank | $265,000 | n/a | 0.0% | |
| Farm Credit Mid-America, ACA | $265,000 | n/a | 0.0% | |
| MYCUMORTGAGE, LLC | $265,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $265,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $255,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $255,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $105,000 | $245,000 | 133.3% | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | $345,000 | $245,000 | -29.0% | 0.0% |
| GENEVA FINANCIAL, LLC | $375,000 | $235,000 | -37.3% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $235,000 | n/a | 0.0% | |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $235,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $225,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $965,000 | $215,000 | -77.7% | 0.0% |
| First Savings Bank | $215,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $1,025,000 | $195,000 | -81.0% | 0.0% |
| PLANET HOME LENDING, LLC | $195,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $85,000 | $175,000 | 105.9% | 0.0% |
| Eagle Bank and Trust Company | $175,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $75,000 | $155,000 | 106.7% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $785,000 | $145,000 | -81.5% | 0.0% |
| Northwest Federal Credit Union | $130,000 | n/a | 0.0% | |
| SUN AMERICAN MORTGAGE COMPANY | $115,000 | n/a | 0.0% | |
| CITY-COUNTY CREDIT UNION | $35,000 | n/a | 0.0% | |
| EVERENCE FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% |
SANTA FE's top lender by overall market share is CBRE MULTIFAMILY CAPITAL, INC., with 7.4% market share. In second place, with 5.3%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $60,750,000 in loans. In third place, with 4.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $56,890,000 in loans. In fourth place, with 4.7%, is QUICKEN LOANS, LLC, having originated $54,055,000 in loans. In fifth place, with 4.1%, is Waterstone Mortgage Corporation, having originated $46,895,000 in loans.
SANTA FE Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - SANTA FE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $565,000 (5.9%) | $867,850 (7.5%) | 2.09 | 723 |
| 2018-02-01 | $570,750 (8.2%) | $878,575 (9.4%) | 2.07 | 699 |
| 2018-03-01 | $560,000 (12.0%) | $884,961 (12.2%) | 1.96 | 679 |
| 2018-04-01 | $574,750 (8.6%) | $911,904 (13.9%) | 1.95 | 681 |
| 2018-05-01 | $577,000 (4.0%) | $913,323 (11.7%) | 1.93 | 727 |
| 2018-06-01 | $595,000 (6.3%) | $915,994 (10.7%) | 1.98 | 776 |
| 2018-07-01 | $597,250 (8.6%) | $919,804 (12.4%) | 1.99 | 834 |
| 2018-08-01 | $573,500 (3.4%) | $894,736 (8.7%) | 1.92 | 902 |
| 2018-09-01 | $569,000 (3.6%) | $896,083 (10.2%) | 1.91 | 883 |
| 2018-10-01 | $578,125 (5.2%) | $911,330 (11.5%) | 1.96 | 868 |
| 2018-11-01 | $575,225 (4.7%) | $914,874 (10.8%) | 1.95 | 827 |
| 2018-12-01 | $575,000 (0.0%) | $897,866 (2.3%) | 1.98 | 759 |
| 2019-01-01 | $592,000 (4.8%) | $911,024 (5.0%) | 2.05 | 657 |
| 2019-02-01 | $600,625 (5.2%) | $902,943 (2.8%) | 2.03 | 625 |
| 2019-03-01 | $577,100 (3.1%) | $972,751 (9.9%) | 1.89 | 625 |
| 2019-04-01 | $552,550 (-3.9%) | $964,304 (5.8%) | 1.75 | 649 |
| 2019-05-01 | $549,450 (-4.8%) | $857,106 (-6.2%) | 1.72 | 698 |
| 2019-06-01 | $549,000 (-7.7%) | $842,546 (-8.0%) | 1.72 | 799 |
| 2019-07-01 | $549,498 (-8.0%) | $850,689 (-7.5%) | 1.72 | 806 |
| 2019-08-01 | $571,091 (-0.4%) | $860,946 (-3.8%) | 1.81 | 794 |
| 2019-09-01 | $581,727 (2.2%) | $861,902 (-3.8%) | 1.86 | 777 |
| 2019-10-01 | $588,318 (1.8%) | $862,217 (-5.4%) | 1.90 | 749 |
| 2019-11-01 | $595,000 (3.4%) | $890,405 (-2.7%) | 1.95 | 662 |
| 2019-12-01 | $620,000 (7.8%) | $913,078 (1.7%) | 2.07 | 600 |
| 2020-01-01 | $624,950 (5.6%) | $940,680 (3.3%) | 2.09 | 517 |
| 2020-02-01 | $625,000 (4.1%) | $973,831 (7.9%) | 2.05 | 464 |
| 2020-03-01 | $616,750 (6.9%) | $960,489 (-1.3%) | 1.93 | 462 |
| 2020-04-01 | $577,379 (4.5%) | $921,436 (-4.5%) | 1.81 | 511 |
| 2020-05-01 | $598,500 (8.9%) | $945,658 (10.3%) | 1.82 | 518 |
| 2020-06-01 | $622,000 (13.3%) | $942,083 (11.8%) | 1.83 | 544 |
| 2020-07-01 | $636,000 (15.7%) | $1,002,781 (17.9%) | 1.84 | 556 |
| 2020-08-01 | $639,000 (11.9%) | $1,002,355 (16.4%) | 1.83 | 555 |
| 2020-09-01 | $675,000 (16.0%) | $1,113,402 (29.2%) | 1.93 | 508 |
| 2020-10-01 | $675,000 (14.7%) | $1,145,065 (32.8%) | 1.93 | 479 |
| 2020-11-01 | $656,750 (10.4%) | $1,202,295 (35.0%) | 1.92 | 437 |
| 2020-12-01 | $659,225 (6.3%) | $1,189,302 (30.3%) | 1.96 | 401 |
| 2021-01-01 | $647,000 (3.5%) | $1,212,265 (28.9%) | 1.93 | 338 |
| 2021-02-01 | $612,000 (-2.1%) | $1,238,303 (27.2%) | 1.78 | 302 |
| 2021-03-01 | $636,975 (3.3%) | $1,332,285 (38.7%) | 1.81 | 264 |
| 2021-04-01 | $689,500 (19.4%) | $1,385,584 (50.4%) | 1.87 | 259 |
| 2021-05-01 | $692,000 (15.6%) | $1,329,648 (40.6%) | 1.84 | 276 |
| 2021-06-01 | $689,000 (10.8%) | $1,279,045 (35.8%) | 1.81 | 286 |
| 2021-07-01 | $675,000 (6.1%) | $1,276,725 (27.3%) | 1.78 | 347 |
| 2021-08-01 | $689,000 (7.8%) | $1,274,457 (27.2%) | 1.84 | 372 |
| 2021-09-01 | $695,500 (3.0%) | $1,322,506 (18.8%) | 1.85 | 353 |
| 2021-10-01 | $691,000 (2.4%) | $1,368,468 (19.5%) | 1.84 | 316 |
| 2021-11-01 | $706,225 (7.5%) | $1,499,424 (24.7%) | 1.89 | 247 |
| 2021-12-01 | $695,000 (5.4%) | $1,514,168 (27.3%) | 1.88 | 221 |
| 2022-01-01 | $717,450 (10.9%) | $1,598,168 (31.8%) | 1.94 | 187 |
| 2022-02-01 | $872,998 (42.7%) | $1,747,118 (41.1%) | 2.27 | 155 |
| 2022-03-01 | $841,000 (32.0%) | $1,745,104 (31.0%) | 2.11 | 171 |
| 2022-04-01 | $797,450 (15.7%) | $1,670,391 (20.6%) | 1.90 | 175 |
| 2022-05-01 | $786,750 (13.7%) | $1,529,732 (15.1%) | 1.80 | 239 |
| 2022-06-01 | $797,550 (15.8%) | $1,460,637 (14.2%) | 1.78 | 297 |
| 2022-07-01 | $782,000 (15.9%) | $1,408,114 (10.3%) | 1.76 | 371 |
| 2022-08-01 | $849,500 (23.3%) | $1,491,494 (17.0%) | 1.96 | 372 |
| 2022-09-01 | $847,500 (21.9%) | $1,460,125 (10.4%) | 1.98 | 383 |
| 2022-10-01 | $777,500 (12.5%) | $1,423,658 (4.0%) | 1.83 | 413 |
| 2022-11-01 | $742,500 (5.1%) | $1,396,185 (-6.9%) | 1.78 | 428 |
| 2022-12-01 | $767,615 (10.5%) | $1,444,784 (-4.6%) | 1.90 | 406 |
| 2023-01-01 | $747,750 (4.2%) | $1,439,087 (-10.0%) | 1.85 | 356 |
| 2023-02-01 | $742,225 (-15.0%) | $1,452,799 (-16.9%) | 1.79 | 341 |
| 2023-03-01 | $756,500 (-10.1%) | $1,511,225 (-13.4%) | 1.78 | 322 |
| 2023-04-01 | $779,750 (-2.2%) | $1,500,215 (-10.2%) | 1.81 | 330 |
| 2023-05-01 | $907,000 (15.3%) | $1,557,970 (1.9%) | 2.06 | 346 |
| 2023-06-01 | $985,000 (23.5%) | $1,609,358 (10.2%) | 2.21 | 363 |
| 2023-07-01 | $969,950 (24.0%) | $1,559,768 (10.8%) | 2.20 | 408 |
| 2023-08-01 | $886,000 (4.3%) | $1,462,082 (-2.0%) | 2.03 | 438 |
| 2023-09-01 | $895,000 (5.6%) | $1,435,884 (-1.7%) | 2.08 | 469 |
| 2023-10-01 | $850,000 (9.3%) | $1,400,568 (-1.6%) | 2.00 | 492 |
| 2023-11-01 | $830,000 (11.8%) | $1,393,275 (-0.2%) | 1.98 | 505 |
| 2023-12-01 | $822,500 (7.2%) | $1,368,357 (-5.3%) | 2.01 | 457 |
| 2024-01-01 | $814,800 (9.0%) | $1,345,703 (-6.5%) | 1.99 | 394 |
| 2024-02-01 | $799,450 (7.7%) | $1,382,076 (-4.9%) | 1.92 | 387 |
| 2024-03-01 | $845,000 (11.7%) | $1,408,584 (-6.8%) | 1.99 | 380 |
| 2024-04-01 | $826,000 (5.9%) | $1,389,941 (-7.4%) | 1.92 | 429 |
| 2024-05-01 | $870,750 (-4.0%) | $1,397,605 (-10.3%) | 1.98 | 469 |
| 2024-06-01 | $845,000 (-14.2%) | $1,375,989 (-14.5%) | 1.92 | 545 |
| 2024-07-01 | $827,500 (-14.7%) | $1,323,323 (-15.2%) | 1.89 | 606 |
| 2024-08-01 | $810,000 (-8.6%) | $1,297,994 (-11.2%) | 1.88 | 664 |
| 2024-09-01 | $789,500 (-11.8%) | $1,270,297 (-11.5%) | 1.86 | 697 |
| 2024-10-01 | $798,250 (-6.1%) | $1,274,435 (-9.0%) | 1.88 | 691 |
| 2024-11-01 | $795,000 (-4.2%) | $1,270,855 (-8.8%) | 1.91 | 652 |
| 2024-12-01 | $768,250 (-6.6%) | $1,232,672 (-9.9%) | 1.91 | 576 |
| 2025-01-01 | $759,027 (-6.8%) | $1,213,823 (-9.8%) | 1.90 | 520 |
| 2025-02-01 | $749,000 (-6.3%) | $1,206,083 (-12.7%) | 1.82 | 501 |
| 2025-03-01 | $722,500 (-14.5%) | $1,198,929 (-14.9%) | 0.00 | 501 |
SANTA FE's median listing price for 2025-03-01 was $722,500, a difference of
$-122,500
(-14.5%) versus the prior year and
$-26,500 versus the prior month.
SANTA FE's median listing price comes in at 0% of the national average.
SANTA FE's average listing price for 2025-03-01 was $1,198,929, a difference of $-209,655 (-14.9%) versus the prior year and $-7,154 versus the prior month.
For the 2025-03-01 period, SANTA FE had 501 MLS listings, a difference of 0 listings (0%) versus the prior month and 121 listings (32%) versus the prior year.
SANTA FE's median listing price comes in at 0% of the national average.
SANTA FE's average listing price for 2025-03-01 was $1,198,929, a difference of $-209,655 (-14.9%) versus the prior year and $-7,154 versus the prior month.
For the 2025-03-01 period, SANTA FE had 501 MLS listings, a difference of 0 listings (0%) versus the prior month and 121 listings (32%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - SANTA FE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 127 days | 2,539 sqft |
| 2018-02-01 | 116 days | 2,561 sqft |
| 2018-03-01 | 92 days | 2,600 sqft |
| 2018-04-01 | 67 days | 2,598 sqft |
| 2018-05-01 | 58 days | 2,560 sqft |
| 2018-06-01 | 57 days | 2,555 sqft |
| 2018-07-01 | 58 days | 2,570 sqft |
| 2018-08-01 | 62 days | 2,548 sqft |
| 2018-09-01 | 72 days | 2,520 sqft |
| 2018-10-01 | 80 days | 2,537 sqft |
| 2018-11-01 | 90 days | 2,580 sqft |
| 2018-12-01 | 99 days | 2,550 sqft |
| 2019-01-01 | 113 days | 2,570 sqft |
| 2019-02-01 | 109 days | 2,541 sqft |
| 2019-03-01 | 88 days | 2,478 sqft |
| 2019-04-01 | 72 days | 2,459 sqft |
| 2019-05-01 | 55 days | 2,344 sqft |
| 2019-06-01 | 55 days | 2,350 sqft |
| 2019-07-01 | 59 days | 2,381 sqft |
| 2019-08-01 | 67 days | 2,446 sqft |
| 2019-09-01 | 74 days | 2,468 sqft |
| 2019-10-01 | 78 days | 2,493 sqft |
| 2019-11-01 | 89 days | 2,500 sqft |
| 2019-12-01 | 100 days | 2,534 sqft |
| 2020-01-01 | 115 days | 2,595 sqft |
| 2020-02-01 | 113 days | 2,602 sqft |
| 2020-03-01 | 83 days | 2,501 sqft |
| 2020-04-01 | 72 days | 2,368 sqft |
| 2020-05-01 | 79 days | 2,458 sqft |
| 2020-06-01 | 75 days | 2,495 sqft |
| 2020-07-01 | 58 days | 2,455 sqft |
| 2020-08-01 | 61 days | 2,485 sqft |
| 2020-09-01 | 68 days | 2,499 sqft |
| 2020-10-01 | 72 days | 2,531 sqft |
| 2020-11-01 | 80 days | 2,529 sqft |
| 2020-12-01 | 90 days | 2,431 sqft |
| 2021-01-01 | 100 days | 2,477 sqft |
| 2021-02-01 | 105 days | 2,327 sqft |
| 2021-03-01 | 68 days | 2,429 sqft |
| 2021-04-01 | 44 days | 2,550 sqft |
| 2021-05-01 | 42 days | 2,501 sqft |
| 2021-06-01 | 46 days | 2,497 sqft |
| 2021-07-01 | 39 days | 2,493 sqft |
| 2021-08-01 | 46 days | 2,495 sqft |
| 2021-09-01 | 58 days | 2,495 sqft |
| 2021-10-01 | 65 days | 2,540 sqft |
| 2021-11-01 | 91 days | 2,622 sqft |
| 2021-12-01 | 90 days | 2,686 sqft |
| 2022-01-01 | 88 days | 2,756 sqft |
| 2022-02-01 | 99 days | 2,766 sqft |
| 2022-03-01 | 44 days | 2,744 sqft |
| 2022-04-01 | 39 days | 2,681 sqft |
| 2022-05-01 | 35 days | 2,550 sqft |
| 2022-06-01 | 34 days | 2,495 sqft |
| 2022-07-01 | 33 days | 2,342 sqft |
| 2022-08-01 | 50 days | 2,462 sqft |
| 2022-09-01 | 53 days | 2,495 sqft |
| 2022-10-01 | 56 days | 2,384 sqft |
| 2022-11-01 | 63 days | 2,283 sqft |
| 2022-12-01 | 73 days | 2,380 sqft |
| 2023-01-01 | 83 days | 2,348 sqft |
| 2023-02-01 | 82 days | 2,326 sqft |
| 2023-03-01 | 71 days | 2,353 sqft |
| 2023-04-01 | 67 days | 2,337 sqft |
| 2023-05-01 | 56 days | 2,435 sqft |
| 2023-06-01 | 55 days | 2,561 sqft |
| 2023-07-01 | 47 days | 2,541 sqft |
| 2023-08-01 | 54 days | 2,423 sqft |
| 2023-09-01 | 59 days | 2,471 sqft |
| 2023-10-01 | 61 days | 2,399 sqft |
| 2023-11-01 | 68 days | 2,347 sqft |
| 2023-12-01 | 73 days | 2,295 sqft |
| 2024-01-01 | 89 days | 2,167 sqft |
| 2024-02-01 | 94 days | 2,187 sqft |
| 2024-03-01 | 84 days | 2,369 sqft |
| 2024-04-01 | 62 days | 2,297 sqft |
| 2024-05-01 | 54 days | 2,381 sqft |
| 2024-06-01 | 51 days | 2,277 sqft |
| 2024-07-01 | 52 days | 2,312 sqft |
| 2024-08-01 | 59 days | 2,264 sqft |
| 2024-09-01 | 65 days | 2,252 sqft |
| 2024-10-01 | 70 days | 2,269 sqft |
| 2024-11-01 | 81 days | 2,209 sqft |
| 2024-12-01 | 93 days | 2,142 sqft |
| 2025-01-01 | 98 days | 2,103 sqft |
| 2025-02-01 | 91 days | 2,103 sqft |
| 2025-03-01 | 0 days | 2,051 sqft |
SANTA FE's median listing age (time on market) for 2025-03-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
SANTA FE's median square footage for active listings during the 2025-03-01 period was 2,051 sqft. One year prior, the average listing was 2,369 sqft.
SANTA FE's median square footage for active listings during the 2025-03-01 period was 2,051 sqft. One year prior, the average listing was 2,369 sqft.
SANTA FE, NM Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,533 | $737,345,000 | $480,982 |
| Cash Out Refi | 361 | $96,755,000 | $268,019 |
| Refi | 295 | $238,635,000 | $808,932 |
| Home Improvement | 240 | $28,470,000 | $118,625 |
| Other | 240 | $51,810,000 | $215,875 |
Santa Fe's most frequently cited loan purpose was Home Purchase, with 1,533 originations. The 2nd most popular reason was Cash Out Refi, with 361 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,050 | $446,700,000 | $425,429 |
| 7-8% | 555 | $209,885,000 | $378,171 |
| Over 8% | 479 | $80,355,000 | $167,756 |
| 5-6% | 416 | $362,180,000 | $870,625 |
| 4-5% | 69 | $25,845,000 | $374,565 |
| 2.5-3% | 20 | $4,140,000 | $207,000 |
| <2.5% | 19 | $735,000 | $38,684 |
| 3-4% | 2 | $610,000 | $305,000 |
During 2024, Santa Fe's most frequently originated rate bucket was 6-7%, with 1,050 originations.
Loan Sizing (SANTA FE, NM MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 832 | $249,700,000 | $300,120 |
| $400k-600k | 581 | $279,755,000 | $481,506 |
| $100,000 or less | 471 | $24,075,000 | $51,115 |
| $100k-200k | 390 | $54,900,000 | $140,769 |
| $600k-1000k | 278 | $198,530,000 | $714,137 |
| $Over $1MM | 117 | $346,055,000 | $2,957,735 |
SANTA FE's loan sizing saw the bucket of loans from $200k-400k with 832 originations, totaling $249,700,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 794 | $361,450,000 | $455,227 |
| 60-80% | 613 | $370,025,000 | $603,630 |
| Under 20% | 470 | $37,210,000 | $79,170 |
| 40-60% | 328 | $206,910,000 | $630,823 |
| 20-40% | 297 | $65,275,000 | $219,781 |
| Over 100% | 30 | $33,410,000 | $1,113,667 |
SANTA FE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 794 originations, totaling $361,450,000 in origination value.