WHITE SANDS
WHITE SANDS received 59 applications in 2025 and made 42 mortgages, in 13 counties across 3 states. The median rate its borrowers got was 6.750% on a median loan of $95,000. Of 51 decisions, 8 were denials — 15.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300N53R53ZHSNZ234 |
|---|---|
| Applications received | 59 |
| Mortgages made | 42 |
| Denied | 8 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.07 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 10 | 5.125% | $315,000 | 8.3% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 22 | 7.088% | $50,000 | 24.1% |
Where WHITE SANDS lends most
The 13 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 | 32 | 6.750% | 13.5% |
| El Paso County, TX | 3 | Under 10 loans | 0.0% |
| Travis County, TX | 2 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Lincoln County, NM | 1 | Under 10 loans | 0.0% |
| Otero County, NM | 1 | Under 10 loans | 0.0% |
| Grayson County, TX | 1 | Under 10 loans | 0.0% |
| Webb County, TX | 1 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 0 | Under 10 loans | Not published |
| Grant County, NM | 0 | Under 10 loans | 100.0% |
| Luna County, NM | 0 | Under 10 loans | 100.0% |
| Sierra County, NM | 0 | Under 10 loans | 100.0% |
| Tarrant County, TX | 0 | Under 10 loans | Not published |
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When WHITE SANDS’s figures are published for the next year, or restated.
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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.