Citizens Bank of Las Cruces
Citizens Bank of Las Cruces received 414 applications in 2025 and made 356 mortgages, in 16 counties across 7 states. The median rate its borrowers got was 6.625% on a median loan of $255,000. Of 370 decisions, 13 were denials — 3.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300L5PE7ZGYRW5Q15 |
|---|---|
| Applications received | 414 |
| Mortgages made | 356 |
| Denied | 13 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 44 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.142 points |
| FDIC-insured bank | Yes: Citizens Bank of Las Cruces, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 317 | 6.500% | $255,000 | 3.1% |
| Refinancing | 15 | 7.374% | $155,000 | 11.1% |
| Cash-out refinancing | 16 | 7.000% | $215,000 | 5.9% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 0.0% |
Where Citizens Bank of Las Cruces lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Doña Ana County, NM | 312 | 6.500% | 3.4% |
| Sierra County, NM | 10 | 6.875% | 9.1% |
| El Paso County, TX | 10 | 7.188% | 0.0% |
| Lincoln County, NM | 7 | Under 10 loans | 0.0% |
| Otero County, NM | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, CO | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Grant County, NM | 1 | Under 10 loans | 0.0% |
| Luna County, NM | 1 | Under 10 loans | 50.0% |
| Santa Fe County, NM | 1 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.