Los Alamos Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Los Alamos averaged
6.61%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.84% and
one month ago for the week of 2025-05-15, the
average rate was 6.61%.
Los Alamos's average rate one year ago was 7.05%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Los Alamos 30 Year Fixed Rate | 2025-06-18 | 6.61% |
| Los Alamos 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Los Alamos 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Los Alamos 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Los Alamos 30 Year FHA | 2025-06-18 | -0.1% |
| Los Alamos 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Los Alamos 30 Year USDA | 2025-06-18 | -0.1% |
| Los Alamos 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Los Alamos 30 Year VA | 2025-06-18 | 0% |
| Los Alamos 30 Year VA Refi | 2025-06-18 | -0.2% |
Los Alamos 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 Los Alamos, 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.).
Los Alamos Average Closing Costs & Other Stats
Los Alamos, NM's 48 lenders originated 489
loans during 2024. The total origination value was $191,785,000, with an average loan value of
$392,198.
Los Alamos's average closing costs are $6,291.
The top Los Alamos lender as defined by loan originations is Waterstone Mortgage Corporation, with
60 loans originated. Their average total fees are
$8,142, which is $579
higher than the next largest lender,
BOKF.
The lowest fee Los Alamos lenders (with over 10 loans originated) are
Del Norte Credit Union ($5,099), BOKF ($7,563), Waterstone Mortgage Corporation ($8,142), Sunflower Bank ($8,156) and QUICKEN LOANS, LLC ($9,442).
The lowest rate Los Alamos lenders (with over 10 loans originated) are
Del Norte Credit Union (6.17%), Sunflower Bank (6.55%), BOKF (6.61%), Waterstone Mortgage Corporation (6.73%) and QUICKEN LOANS, LLC (6.80%).
Los Alamos, 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 |
|---|---|---|---|---|
| BOKF | $19,400,000 | $32,950,000 | 69.8% | 17.2% |
| Waterstone Mortgage Corporation | $26,600,000 | $31,825,000 | 19.6% | 16.6% |
| Del Norte Credit Union | $14,155,000 | $16,975,000 | 19.9% | 8.9% |
| QUICKEN LOANS, LLC | $8,485,000 | $12,925,000 | 52.3% | 6.7% |
| Sunflower Bank | $7,215,000 | $11,215,000 | 55.4% | 5.8% |
| Enterprise Bank & Trust | $5,965,000 | $8,230,000 | 38.0% | 4.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,750,000 | $6,690,000 | 143.3% | 3.5% |
| NAVY FEDERAL CREDIT UNION | $5,590,000 | $6,655,000 | 19.1% | 3.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $4,590,000 | $4,495,000 | -2.1% | 2.3% |
| Mortgage Research Center, LLC | $2,335,000 | $4,245,000 | 81.8% | 2.2% |
| FREEDOM MORTGAGE CORPORATION | $1,070,000 | $3,345,000 | 212.6% | 1.7% |
| GUILD MORTGAGE COMPANY | $1,690,000 | $2,800,000 | 65.7% | 1.5% |
| NUSENDA | $1,490,000 | $2,390,000 | 60.4% | 1.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $565,000 | $1,985,000 | 251.3% | 1.0% |
| NEWREZ LLC | $435,000 | $1,955,000 | 349.4% | 1.0% |
| NBKC BANK | $820,000 | $1,890,000 | 130.5% | 1.0% |
| SANDIA LABORATORY | $2,045,000 | $1,855,000 | -9.3% | 1.0% |
| Morgan Stanley Private Bank | $565,000 | $1,785,000 | 215.9% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $565,000 | $1,745,000 | 208.8% | 0.9% |
| BETTER MORTGAGE CORPORATION | $1,010,000 | $1,625,000 | 60.9% | 0.8% |
| CMG MORTGAGE, INC. | $1,615,000 | n/a | 0.8% | |
| 21ST MORTGAGE CORPORATION | $150,000 | $1,520,000 | 913.3% | 0.8% |
| USAA Federal Savings Bank | $890,000 | $1,495,000 | 68.0% | 0.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $365,000 | $1,420,000 | 289.0% | 0.7% |
| Bell Bank | $4,775,000 | $1,335,000 | -72.0% | 0.7% |
| Gateway First Bank | $3,550,000 | $1,250,000 | -64.8% | 0.7% |
| JPMorgan Chase Bank | $1,185,000 | $1,145,000 | -3.4% | 0.6% |
| Bank of America | $1,105,000 | $1,090,000 | -1.4% | 0.6% |
| U.S. Bank | $215,000 | $1,080,000 | 402.3% | 0.6% |
| Citibank | $995,000 | n/a | 0.5% | |
| Ally Bank | $570,000 | $970,000 | 70.2% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $730,000 | $900,000 | 23.3% | 0.5% |
| PLAZA HOME MORTGAGE, INC. | $880,000 | n/a | 0.5% | |
| PENNYMAC LOAN SERVICES, LLC | $360,000 | $840,000 | 133.3% | 0.4% |
| DIGITAL Federal Credit Union | $835,000 | n/a | 0.4% | |
| BMO Harris Bank | $750,000 | n/a | 0.4% | |
| PENTAGON FEDERAL CREDIT UNION | $2,340,000 | $745,000 | -68.2% | 0.4% |
| Wells Fargo Bank | $1,135,000 | $700,000 | -38.3% | 0.4% |
| LOANDEPOT.COM, LLC | $940,000 | $690,000 | -26.6% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $255,000 | $655,000 | 156.9% | 0.3% |
| CARDINAL FINANCIAL | $625,000 | $625,000 | 0.0% | 0.3% |
| S1L, Inc. | $605,000 | $625,000 | 3.3% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $605,000 | n/a | 0.3% | |
| Plains Commerce Bank | $455,000 | $555,000 | 22.0% | 0.3% |
| BROKER SOLUTIONS, INC. | $545,000 | n/a | 0.3% | |
| STATE EMPLOYEES | $200,000 | $520,000 | 160.0% | 0.3% |
| Ameris Bank | $515,000 | n/a | 0.3% | |
| Nations Lending Corporation | $1,200,000 | $515,000 | -57.1% | 0.3% |
| The Central Trust Bank | $575,000 | $505,000 | -12.2% | 0.3% |
| AAXY L.L.C. | $495,000 | n/a | 0.3% | |
| CALCON MUTUAL MORTGAGE LLC | $495,000 | n/a | 0.3% | |
| AmeriHome Mortgage Company, LLC | $465,000 | n/a | 0.2% | |
| Farmers Bank & Trust | $325,000 | $405,000 | 24.6% | 0.2% |
| GUARANTEED RATE, INC. | $2,055,000 | $405,000 | -80.3% | 0.2% |
| Servion, Inc. | $405,000 | n/a | 0.2% | |
| DHI MORTGAGE COMPANY, LTD. | $395,000 | n/a | 0.2% | |
| MEMBER FIRST MORTGAGE, LLC | $395,000 | n/a | 0.2% | |
| SPRING EQ, LLC | $395,000 | n/a | 0.2% | |
| Discover Bank | $145,000 | $365,000 | 151.7% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $325,000 | n/a | 0.2% | |
| AMWEST FUNDING CORP. | $305,000 | n/a | 0.2% | |
| First Federal Bank | $305,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $4,165,000 | $285,000 | -93.2% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $280,000 | n/a | 0.1% | |
| SUMMIT FUNDING, INC. | $525,000 | $275,000 | -47.6% | 0.1% |
| DIRECTORS MORTGAGE, INC. | $255,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $255,000 | n/a | 0.1% | |
| General Mortgage Capital Corporation | $235,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $205,000 | n/a | 0.1% | |
| Figure Lending LLC | $215,000 | $200,000 | -7.0% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $185,000 | n/a | 0.1% | |
| Fidelity Bank | $545,000 | $85,000 | -84.4% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $65,000 | n/a | 0.0% |
Los Alamos's top lender by overall market share is BOKF, with 17.2% market share. In second place, with 16.6%, is Waterstone Mortgage Corporation, having originated $31,825,000 in loans. In third place, with 8.9%, is Del Norte Credit Union, having originated $16,975,000 in loans. In fourth place, with 6.7%, is QUICKEN LOANS, LLC, having originated $12,925,000 in loans. In fifth place, with 5.8%, is Sunflower Bank, having originated $11,215,000 in loans.
Los Alamos, NM Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 341 | $150,325,000 | $440,836 |
| Cash Out Refi | 52 | $14,700,000 | $282,692 |
| Refi | 36 | $17,950,000 | $498,611 |
| Other | 32 | $5,360,000 | $167,500 |
| Home Improvement | 28 | $3,450,000 | $123,214 |
Los Alamos's most frequently cited loan purpose was Home Purchase, with 341 originations. The 2nd most popular reason was Cash Out Refi, with 52 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 219 | $99,805,000 | $455,731 |
| 5-6% | 87 | $41,215,000 | $473,736 |
| 7-8% | 80 | $30,910,000 | $386,375 |
| Over 8% | 61 | $7,315,000 | $119,918 |
| 4-5% | 14 | $3,300,000 | $235,714 |
| <2.5% | 10 | $150,000 | $15,000 |
| 3-4% | 1 | $605,000 | $605,000 |
| 2.5-3% | 1 | $255,000 | $255,000 |
During 2024, Los Alamos's most frequently originated rate bucket was 6-7%, with 219 originations.
Loan Sizing (Los Alamos, NM MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 144 | $70,930,000 | $492,569 |
| $200k-400k | 134 | $42,250,000 | $315,299 |
| $600k-1000k | 94 | $66,950,000 | $712,234 |
| $100,000 or less | 75 | $3,375,000 | $45,000 |
| $100k-200k | 40 | $5,980,000 | $149,500 |
| $Over $1MM | 2 | $2,300,000 | $1,150,000 |
Los Alamos's loan sizing saw the bucket of loans from $400k-600k with 144 originations, totaling $70,930,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 200 | $100,800,000 | $504,000 |
| 60-80% | 113 | $51,125,000 | $452,434 |
| Under 20% | 68 | $3,520,000 | $51,765 |
| 40-60% | 36 | $13,190,000 | $366,389 |
| 20-40% | 34 | $6,670,000 | $196,176 |
| Over 100% | 3 | $2,495,000 | $831,667 |
Los Alamos's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 200 originations, totaling $100,800,000 in origination value.