Española Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Española averaged 7.01% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.73% and one month ago for the week of 2025-03-06, the average rate was 6.72%.

    Española's average rate one year ago was 7.21%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.82%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Española 30 Year Fixed Rate 2025-04-10 7.01%
    Española 30 Year Fixed Rate Refi 2025-04-10 6.82%
    Española 15 Year Fixed Rate 2025-04-10 5.72%
    Española 15 Year Fixed Rate Refi 2025-04-10 6.02%
    Española 30 Year FHA 2025-04-10 6.53%
    Española 30 Year FHA Refi 2025-04-10 6.63%
    Española 30 Year USDA 2025-04-10 6.65%
    Española 30 Year USDA Refi 2025-04-10 6.25%
    Española 30 Year VA 2025-04-10 6.19%
    Española 30 Year VA Refi 2025-04-10 6.19%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Española, NM.

    Española 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 Española, 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.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Del Norte Credit Union 20 6.23% $5,779
    QUICKEN LOANS, LLC 16 6.88% $9,804
    21ST MORTGAGE CORPORATION 9 8.33% $7,250
    Waterstone Mortgage Corporation 5 7.28% $7,170
    GUILD MORTGAGE COMPANY 5 7.33% $8,117
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.69% $10,652
    GENEVA FINANCIAL, LLC 4 7.28% $7,361
    UNITED WHOLESALE MORTGAGE, LLC 4 7.25% $7,599
    JPMorgan Chase Bank 3 6.79% $7,826
    BOKF 3 6.83% $4,237
    Bell Bank 3 7.13% $2,878
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.50% $9,862
    MOUNTAIN AMERICA 2 5.68% $12,979
    Mr. Cooper ( Nationstar Mortgage ) 2 6.99% $5,722
    NAVY FEDERAL CREDIT UNION 2 6.13% $2,514
    NEWREZ LLC 2 6.88% $5,239
    NUSENDA 2 6.44% $3,261
    Century Mortgage Company DBA Century Lending Company 2 7.75% $8,999
    Sunflower Bank 2 6.43% $6,558
    LOANDEPOT.COM, LLC 2 7.06% $5,856
    CHURCHILL MORTGAGE CORPORATION 1 7.63% $4,135
    COMMUNITYAMERICA 1 6.13% $8,539
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.49% $12,245
    First Federal Bank 1 6.63% $7,756
    Flagstar Bank, FSB 1 6.50% $8,877
    HOMETRUST MORTGAGE COMPANY 1 6.25% $20,255
    Mortgage Research Center, LLC 1 6.50% $2,103
    NBH Bank 1 7.25% $4,590
    ROYAL UNITED MORTGAGE LLC 1 6.88% $9,556
    Sierra Pacific Mortgage Company, Inc. 1 6.50% $5,629
    USAA Federal Savings Bank 1 7.13% $6,654
    U.S. Bank 1 7.50% $10,591
    Wallick & Volk, Inc. 1 7.38% $7,975
    Washington Federal Bank 1 7.13% $3,784
    Citibank 1 5.75% $5,380

    Española Average Closing Costs & Other Stats

    Española, NM's 35 lenders originated 331 loans during 2024. The total origination value was $82,585,000, with an average loan value of $249,502.

    Española's average closing costs are $6,653.

    The top Española lender as defined by loan originations is Del Norte Credit Union, with 20 loans originated. Their average total fees are $5,779, which is $4,025 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Española lenders (with over 10 loans originated) are Del Norte Credit Union ($5,779), QUICKEN LOANS, LLC ($9,804), .

    The lowest rate Española lenders (with over 10 loans originated) are Del Norte Credit Union (6.23%), QUICKEN LOANS, LLC (6.88%), .

    Española, 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
    Del Norte Credit Union $3,900,000 $8,825,000 126.3% 10.7%
    QUICKEN LOANS, LLC $3,640,000 $7,975,000 119.1% 9.7%
    21ST MORTGAGE CORPORATION $9,080,000 $6,425,000 -29.2% 7.8%
    Waterstone Mortgage Corporation $3,985,000 $4,155,000 4.3% 5.0%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $1,600,000 $3,575,000 123.4% 4.3%
    JPMorgan Chase Bank $155,000 $3,260,000 2,003.2% 3.9%
    UNITED WHOLESALE MORTGAGE, LLC $3,220,000 $3,080,000 -4.3% 3.7%
    GUILD MORTGAGE COMPANY $845,000 $2,900,000 243.2% 3.5%
    FREEDOM MORTGAGE CORPORATION $315,000 $2,865,000 809.5% 3.5%
    BOKF $3,795,000 $2,755,000 -27.4% 3.3%
    FOUNDATION MORTGAGE CORPORATION $1,955,000 n/a 2.4%
    NAVY FEDERAL CREDIT UNION $1,000,000 $1,480,000 48.0% 1.8%
    Mortgage Research Center, LLC $1,220,000 $1,455,000 19.3% 1.8%
    GENEVA FINANCIAL, LLC $205,000 $1,405,000 585.4% 1.7%
    BROKER SOLUTIONS, INC. $235,000 $1,350,000 474.5% 1.6%
    Enterprise Bank & Trust $720,000 $1,350,000 87.5% 1.6%
    Bell Bank $680,000 $1,255,000 84.6% 1.5%
    MOUNTAIN AMERICA $1,010,000 $1,120,000 10.9% 1.4%
    CARDINAL FINANCIAL $580,000 $1,085,000 87.1% 1.3%
    MID AMERICA MORTGAGE, INC. $755,000 $1,055,000 39.7% 1.3%
    Washington Federal Bank $460,000 $1,035,000 125.0% 1.3%
    Century Mortgage Company DBA Century Lending Company $95,000 $995,000 947.4% 1.2%
    LAKEVIEW LOAN SERVICING, LLC $960,000 n/a 1.2%
    Sunflower Bank $610,000 $955,000 56.6% 1.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $230,000 $925,000 302.2% 1.1%
    USAA Federal Savings Bank $615,000 $920,000 49.6% 1.1%
    U.S. Bank $355,000 $825,000 132.4% 1.0%
    NUSENDA $75,000 $770,000 926.7% 0.9%
    U.S. EAGLE $765,000 n/a 0.9%
    Citibank $705,000 n/a 0.9%
    CROSSCOUNTRY MORTGAGE, LLC $530,000 $650,000 22.6% 0.8%
    COMMUNITYAMERICA $615,000 n/a 0.7%
    Equity Prime Mortgage LLC $570,000 n/a 0.7%
    PENNYMAC LOAN SERVICES, LLC $205,000 $565,000 175.6% 0.7%
    First Federal Bank $545,000 n/a 0.7%
    Wells Fargo Bank $865,000 $515,000 -40.5% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $770,000 $495,000 -35.7% 0.6%
    V.I.P. MORTGAGE, INC. $475,000 n/a 0.6%
    RIO GRANDE $470,000 n/a 0.6%
    HOMETRUST MORTGAGE COMPANY $445,000 n/a 0.5%
    LOANDEPOT.COM, LLC $965,000 $445,000 -53.9% 0.5%
    UNION HOME MORTGAGE CORP. $2,160,000 $440,000 -79.6% 0.5%
    GUADALUPE CREDIT UNION $1,500,000 $385,000 -74.3% 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $350,000 $385,000 10.0% 0.5%
    Wallick & Volk, Inc. $395,000 $365,000 -7.6% 0.4%
    NATIONS RELIABLE LENDING, LLC $355,000 n/a 0.4%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $155,000 $325,000 109.7% 0.4%
    SOUTHWEST STAGE FUNDING, LLC $325,000 n/a 0.4%
    NEWREZ LLC $205,000 $320,000 56.1% 0.4%
    CHURCHILL MORTGAGE CORPORATION $315,000 n/a 0.4%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $315,000 n/a 0.4%
    VILLAGE CAPITAL MORTGAGE $315,000 n/a 0.4%
    CMG MORTGAGE, INC. $305,000 n/a 0.4%
    STATE EMPLOYEES $455,000 $285,000 -37.4% 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $255,000 n/a 0.3%
    NBH Bank $115,000 $255,000 121.7% 0.3%
    PLAZA HOME MORTGAGE, INC. $735,000 $255,000 -65.3% 0.3%
    STARBOARD FINANCIAL MANAGEMENT, LLC $255,000 n/a 0.3%
    GUARANTEED RATE, INC. $1,005,000 $235,000 -76.6% 0.3%
    VERITAS FUNDING, LLC $225,000 n/a 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $195,000 n/a 0.2%
    MYCUMORTGAGE, LLC $185,000 n/a 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $165,000 $175,000 6.1% 0.2%
    Bethpage Federal Credit Union $125,000 $165,000 32.0% 0.2%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $165,000 n/a 0.2%
    Sierra Pacific Mortgage Company, Inc. $470,000 $155,000 -67.0% 0.2%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $135,000 n/a 0.2%
    Flagstar Bank, FSB $125,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $125,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $35,000 $125,000 257.1% 0.2%
    SUMMIT FUNDING, INC. $125,000 n/a 0.2%
    PNC Bank $75,000 $95,000 26.7% 0.1%
    Discover Bank $90,000 n/a 0.1%
    Figure Lending LLC $85,000 n/a 0.1%
    Actors Federal Credit Union $65,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $65,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $420,000 $55,000 -86.9% 0.1%
    SANDIA AREA $25,000 n/a 0.0%

    Española's top lender by overall market share is Del Norte Credit Union, with 10.7% market share. In second place, with 9.7%, is QUICKEN LOANS, LLC, having originated $7,975,000 in loans. In third place, with 7.8%, is 21ST MORTGAGE CORPORATION, having originated $6,425,000 in loans. In fourth place, with 5.0%, is Waterstone Mortgage Corporation, having originated $4,155,000 in loans. In fifth place, with 4.3%, is PRIMARY RESIDENTIAL MORTGAGE, INC., having originated $3,575,000 in loans.

    Española Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Española (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 $289,000 (16.1%) $389,279 (-8.8%) 0.00 158
    2018-02-01 $274,500 (19.9%) $396,636 (-3.0%) 0.00 150
    2018-03-01 $275,000 (20.9%) $397,518 (-1.7%) 0.00 147
    2018-04-01 $290,000 (19.8%) $453,392 (11.0%) 0.00 144
    2018-05-01 $289,000 (15.8%) $481,914 (15.0%) 0.00 160
    2018-06-01 $299,000 (19.8%) $501,270 (24.0%) 0.00 172
    2018-07-01 $299,900 (16.0%) $518,994 (31.5%) 0.00 170
    2018-08-01 $299,900 (22.4%) $504,333 (34.6%) 0.00 178
    2018-09-01 $299,450 (18.1%) $493,819 (34.7%) 0.00 192
    2018-10-01 $298,450 (11.7%) $484,906 (28.7%) 0.00 187
    2018-11-01 $297,225 (8.1%) $483,901 (30.5%) 0.00 182
    2018-12-01 $297,000 (2.8%) $486,240 (27.4%) 0.00 179
    2019-01-01 $293,750 (1.6%) $502,253 (29.0%) 0.00 167
    2019-02-01 $287,250 (4.6%) $535,801 (35.1%) 0.00 167
    2019-03-01 $279,957 (1.8%) $545,994 (37.4%) 0.00 163
    2019-04-01 $278,675 (-3.9%) $559,934 (23.5%) 0.00 161
    2019-05-01 $284,500 (-1.6%) $558,373 (15.9%) 0.00 166
    2019-06-01 $295,000 (-1.3%) $568,049 (13.3%) 0.00 175
    2019-07-01 $299,900 (0.0%) $581,585 (12.1%) 0.00 175
    2019-08-01 $299,777 (0.0%) $608,211 (20.6%) 0.00 177
    2019-09-01 $299,593 (0.1%) $639,202 (29.4%) 0.00 176
    2019-10-01 $304,745 (2.1%) $667,298 (37.6%) 0.00 173
    2019-11-01 $302,450 (1.8%) $682,398 (41.0%) 0.00 154
    2019-12-01 $292,500 (-1.5%) $670,139 (37.8%) 0.00 145
    2020-01-01 $285,000 (-3.0%) $625,901 (24.6%) 0.00 133
    2020-02-01 $282,500 (-1.7%) $551,071 (2.9%) 0.00 129
    2020-03-01 $279,000 (-0.3%) $554,213 (1.5%) 0.00 136
    2020-04-01 $275,000 (-1.3%) $524,609 (-6.3%) 0.00 133
    2020-05-01 $279,500 (-1.8%) $542,476 (-2.9%) 0.00 138
    2020-06-01 $309,675 (5.0%) $582,790 (2.6%) 0.00 123
    2020-07-01 $298,450 (-0.5%) $579,211 (-0.4%) 0.00 123
    2020-08-01 $350,000 (16.8%) $648,539 (6.6%) 0.00 120
    2020-09-01 $334,250 (11.6%) $654,270 (2.4%) 0.00 116
    2020-10-01 $325,000 (6.7%) $683,315 (2.4%) 0.00 107
    2020-11-01 $316,225 (4.6%) $716,564 (5.0%) 0.00 100
    2020-12-01 $325,000 (11.1%) $741,457 (10.6%) 0.00 96
    2021-01-01 $327,950 (15.1%) $724,468 (15.8%) 0.00 83
    2021-02-01 $344,975 (22.1%) $789,605 (43.3%) 0.00 73
    2021-03-01 $377,500 (35.3%) $846,629 (52.8%) 0.00 62
    2021-04-01 $363,000 (32.0%) $888,398 (69.3%) 0.00 60
    2021-05-01 $365,000 (30.6%) $879,184 (62.1%) 0.00 60
    2021-06-01 $396,250 (28.0%) $936,529 (60.7%) 0.00 60
    2021-07-01 $371,500 (24.5%) $927,181 (60.1%) 0.00 64
    2021-08-01 $463,750 (32.5%) $1,037,846 (60.0%) 0.00 66
    2021-09-01 $482,500 (44.4%) $947,938 (44.9%) 0.00 71
    2021-10-01 $485,000 (49.2%) $1,232,782 (80.4%) 0.00 73
    2021-11-01 $564,999 (78.7%) $1,363,899 (90.3%) 0.00 61
    2021-12-01 $564,750 (73.8%) $1,338,325 (80.5%) 0.00 56
    2022-01-01 $524,500 (59.9%) $1,473,592 (103.4%) 0.00 48
    2022-02-01 $549,000 (59.1%) $1,416,978 (79.5%) 0.00 49
    2022-03-01 $543,500 (44.0%) $1,456,643 (72.1%) 0.00 48
    2022-04-01 $572,000 (57.6%) $1,850,100 (108.3%) 0.00 45
    2022-05-01 $601,000 (64.7%) $1,555,028 (76.9%) 0.00 56
    2022-06-01 $547,450 (38.2%) $1,298,480 (38.7%) 0.00 65
    2022-07-01 $590,000 (58.8%) $1,159,710 (25.1%) 0.00 67
    2022-08-01 $587,500 (26.7%) $1,123,202 (8.2%) 0.00 72
    2022-09-01 $499,500 (3.5%) $1,064,697 (12.3%) 0.00 71
    2022-10-01 $475,000 (-2.1%) $982,276 (-20.3%) 0.00 80
    2022-11-01 $446,000 (-21.1%) $990,491 (-27.4%) 0.00 79
    2022-12-01 $445,000 (-21.2%) $950,460 (-29.0%) 0.00 79
    2023-01-01 $461,163 (-12.1%) $984,691 (-33.2%) 0.00 72
    2023-02-01 $452,000 (-17.7%) $801,795 (-43.4%) 0.00 65
    2023-03-01 $432,000 (-20.5%) $781,015 (-46.4%) 0.00 63
    2023-04-01 $360,000 (-37.1%) $841,413 (-54.5%) 0.00 52
    2023-05-01 $439,500 (-26.9%) $942,313 (-39.4%) 0.00 62
    2023-06-01 $465,500 (-15.0%) $914,321 (-29.6%) 0.00 70
    2023-07-01 $499,500 (-15.3%) $906,159 (-21.9%) 0.00 70
    2023-08-01 $546,000 (-7.1%) $1,016,842 (-9.5%) 0.00 75
    2023-09-01 $517,250 (3.6%) $919,181 (-13.7%) 0.00 75
    2023-10-01 $485,625 (2.2%) $907,048 (-7.7%) 0.00 69
    2023-11-01 $496,000 (11.2%) $921,549 (-7.0%) 0.00 69
    2023-12-01 $499,000 (12.1%) $868,001 (-8.7%) 0.00 68
    2024-01-01 $499,000 (8.2%) $918,974 (-6.7%) 0.00 57
    2024-02-01 $499,450 (10.5%) $915,991 (14.2%) 0.00 59
    2024-03-01 $525,000 (21.5%) $895,614 (14.7%) 0.00 59
    2024-04-01 $514,500 (42.9%) $916,394 (8.9%) 0.00 59
    2024-05-01 $459,725 (4.6%) $698,596 (-25.9%) 0.00 63
    2024-06-01 $449,000 (-3.5%) $726,918 (-20.5%) 0.00 79
    2024-07-01 $469,875 (-5.9%) $755,513 (-16.6%) 0.00 92
    2024-08-01 $492,000 (-9.9%) $876,873 (-13.8%) 0.00 99
    2024-09-01 $499,000 (-3.5%) $887,038 (-3.5%) 0.00 100
    2024-10-01 $497,450 (2.4%) $930,213 (2.6%) 0.00 102
    2024-11-01 $532,500 (7.4%) $1,097,755 (19.1%) 0.00 96
    2024-12-01 $508,750 (2.0%) $1,163,254 (34.0%) 0.00 90
    2025-01-01 $522,375 (4.7%) $991,928 (7.9%) 0.00 89
    2025-02-01 $514,500 (3.0%) $1,020,847 (11.5%) 0.00 85
    2025-03-01 $504,500 (-3.9%) $1,018,639 (13.7%) 0.00 82
    Española's median listing price for 2025-03-01 was $504,500, a difference of $-20,500 (-3.9%) versus the prior year and $-10,000 versus the prior month.

    Española's median listing price comes in at 0% of the national average.

    Española's average listing price for 2025-03-01 was $1,018,639, a difference of $123,025 (13.7%) versus the prior year and $-2,208 versus the prior month.

    For the 2025-03-01 period, Española had 82 MLS listings, a difference of -3 listings (-4%) versus the prior month and 23 listings (39%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Española (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,339 sqft
    2018-02-01 0 days 2,334 sqft
    2018-03-01 0 days 2,310 sqft
    2018-04-01 0 days 2,368 sqft
    2018-05-01 0 days 2,400 sqft
    2018-06-01 0 days 2,403 sqft
    2018-07-01 0 days 2,662 sqft
    2018-08-01 0 days 2,452 sqft
    2018-09-01 0 days 2,400 sqft
    2018-10-01 0 days 2,400 sqft
    2018-11-01 0 days 2,397 sqft
    2018-12-01 0 days 2,286 sqft
    2019-01-01 0 days 2,290 sqft
    2019-02-01 0 days 2,326 sqft
    2019-03-01 0 days 2,304 sqft
    2019-04-01 0 days 2,275 sqft
    2019-05-01 0 days 2,324 sqft
    2019-06-01 0 days 2,400 sqft
    2019-07-01 0 days 2,403 sqft
    2019-08-01 0 days 2,404 sqft
    2019-09-01 0 days 2,402 sqft
    2019-10-01 0 days 2,400 sqft
    2019-11-01 0 days 2,320 sqft
    2019-12-01 0 days 2,270 sqft
    2020-01-01 0 days 2,268 sqft
    2020-02-01 0 days 2,265 sqft
    2020-03-01 0 days 2,278 sqft
    2020-04-01 0 days 2,278 sqft
    2020-05-01 0 days 2,265 sqft
    2020-06-01 0 days 2,265 sqft
    2020-07-01 0 days 2,268 sqft
    2020-08-01 0 days 2,334 sqft
    2020-09-01 0 days 2,377 sqft
    2020-10-01 0 days 2,500 sqft
    2020-11-01 0 days 2,420 sqft
    2020-12-01 0 days 2,377 sqft
    2021-01-01 0 days 2,534 sqft
    2021-02-01 0 days 2,537 sqft
    2021-03-01 0 days 2,539 sqft
    2021-04-01 0 days 2,616 sqft
    2021-05-01 0 days 2,241 sqft
    2021-06-01 0 days 2,597 sqft
    2021-07-01 0 days 2,607 sqft
    2021-08-01 0 days 2,750 sqft
    2021-09-01 0 days 2,835 sqft
    2021-10-01 0 days 2,914 sqft
    2021-11-01 0 days 2,931 sqft
    2021-12-01 0 days 3,127 sqft
    2022-01-01 0 days 2,580 sqft
    2022-02-01 0 days 2,588 sqft
    2022-03-01 0 days 2,375 sqft
    2022-04-01 0 days 2,550 sqft
    2022-05-01 0 days 2,656 sqft
    2022-06-01 0 days 2,417 sqft
    2022-07-01 0 days 2,232 sqft
    2022-08-01 0 days 2,208 sqft
    2022-09-01 0 days 2,128 sqft
    2022-10-01 0 days 2,047 sqft
    2022-11-01 0 days 2,000 sqft
    2022-12-01 0 days 2,000 sqft
    2023-01-01 0 days 2,001 sqft
    2023-02-01 0 days 1,943 sqft
    2023-03-01 0 days 1,920 sqft
    2023-04-01 0 days 2,001 sqft
    2023-05-01 0 days 2,119 sqft
    2023-06-01 0 days 2,063 sqft
    2023-07-01 0 days 2,000 sqft
    2023-08-01 0 days 2,022 sqft
    2023-09-01 0 days 2,014 sqft
    2023-10-01 0 days 2,000 sqft
    2023-11-01 0 days 2,004 sqft
    2023-12-01 0 days 2,073 sqft
    2024-01-01 0 days 2,169 sqft
    2024-02-01 0 days 2,496 sqft
    2024-03-01 0 days 2,228 sqft
    2024-04-01 0 days 2,225 sqft
    2024-05-01 0 days 1,960 sqft
    2024-06-01 0 days 1,947 sqft
    2024-07-01 0 days 2,079 sqft
    2024-08-01 0 days 2,050 sqft
    2024-09-01 0 days 2,104 sqft
    2024-10-01 0 days 2,109 sqft
    2024-11-01 0 days 2,300 sqft
    2024-12-01 0 days 2,280 sqft
    2025-01-01 0 days 2,272 sqft
    2025-02-01 0 days 2,254 sqft
    2025-03-01 0 days 2,273 sqft
    Española's median listing age (time on market) for 2025-03-01 was 0 days.

    Española's median square footage for active listings during the 2025-03-01 period was 2,273 sqft. One year prior, the average listing was 2,228 sqft.

    Española, NM Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 196 $56,300,000 $287,245
    Cash Out Refi 46 $8,950,000 $194,565
    Refi 40 $12,250,000 $306,250
    Other 32 $3,690,000 $115,313
    Home Improvement 17 $1,395,000 $82,059

    Española's most frequently cited loan purpose was Home Purchase, with 196 originations. The 2nd most popular reason was Cash Out Refi, with 46 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 124 $32,030,000 $258,306
    Over 8% 82 $11,290,000 $137,683
    5-6% 54 $17,840,000 $330,370
    7-8% 52 $16,570,000 $318,654
    4-5% 8 $1,760,000 $220,000
    <2.5% 2 $30,000 $15,000
    3-4% 1 $165,000 $165,000

    During 2024, Española's most frequently originated rate bucket was 6-7%, with 124 originations.

    Loan Sizing (Española, NM MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 144 $41,870,000 $290,764
    $100k-200k 73 $10,485,000 $143,630
    $100,000 or less 70 $3,720,000 $53,143
    $400k-600k 34 $16,600,000 $488,235
    $600k-1000k 7 $4,735,000 $676,429
    $Over $1MM 3 $5,175,000 $1,725,000

    Española's loan sizing saw the bucket of loans from $200k-400k with 144 originations, totaling $41,870,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 147 $43,535,000 $296,156
    60-80% 52 $16,400,000 $315,385
    Under 20% 37 $1,945,000 $52,568
    40-60% 31 $9,345,000 $301,452
    20-40% 29 $3,175,000 $109,483
    Over 100% 7 $2,445,000 $349,286

    Española's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 147 originations, totaling $43,535,000 in origination value.