Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Santa Fe County, New Mexico
Every institution that decided a 1–4 unit mortgage application in Santa Fe County between 2023 and 2025: 10,180 applications, 7,374 loans actually funded, across 8 kinds of borrowing.
Santa Fe County at a glance
10,180Applications decided
2023–2025
7,374Loans funded
72% of decisions
57Census tracts
11 ZIP codes
155,175People
ACS 2023
What the data shows
Lenders approved 79.2% of home-purchase applications in Santa Fe County, 4.1 points below the New Mexico rate.
The typical purchase mortgage here is $385K.
Lending by loan type in Santa Fe County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 79.2% | 5,241 | $385K | 94% | 230 |
| Home improvement loans | 68.6% | 1,131 | $75K | 94% | 67 |
| Cash-out refinance | 69.5% | 1,609 | $155K | 94% | 144 |
| Refinance | 80.6% | 1,127 | $345K | 94% | 142 |
| Investment property purchase | 85.2% | 704 | $435K | 95% | 167 |
| Investment cash-out refinance | 77.6% | 179 | $265K | 92% | 67 |
| Investment refinance | 77.2% | 114 | $365K | 95% | 67 |
| Investment home improvement | 53.3% | 75 | $105K | 95% | 30 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.