🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Las Cruces
Updated February 5, 2026
Market Overview
44
Total Lenders
2,060
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citizens Bank of Las Cruces | Exceptional | Strong | Exceptional | Exceptional | $1,360 | +0.276% | 237 | |
2 | Rocky Mountain Mortgage Company | Exceptional | Exceptional | Strong | Strong | $1,658 | -0.221% | 73 | |
3 | FirstLight Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $775 | +0.150% | 52 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $675 | -0.461% | 41 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,956 | +0.033% | 191 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,358 | +0.468% | 216 | |
7 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,575 | -0.048% | 62 | |
8 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | $1,272 | +0.240% | 36 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,363 | +0.145% | 31 | |
10 | First American Bank | Strong | Strong | Acceptable | Strong | $1,524 | +0.253% | 24 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,260 | -0.003% | 148 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,557 | +0.617% | 102 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,517 | +0.280% | 73 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,459 | +0.282% | 34 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,322 | +0.289% | 27 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,080 | -0.024% | 21 | |
17 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $3,299 | +0.622% | 60 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $4,841 | +0.178% | 24 | |
19 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,765 | -0.233% | 21 | |
20 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,207 | +0.693% | 46 | |
21 | Gateway First Bank | Sound | Acceptable | Strong | Sound | $1,489 | +0.457% | 32 | |
22 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,397 | +0.236% | 30 | |
23 | MICHIGAN MUTUAL, INC. | Sound | Acceptable | Strong | Sound | $1,224 | +0.524% | 26 | |
24 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $1,005 | +0.314% | 23 | |
25 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $3,612 | +0.628% | 21 | |
26 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $4,184 | +0.558% | 100 | |
27 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Exceptional | Sound | $2,331 | +0.684% | 26 | |
28 | Click n' Close, Inc. | Sound | Mediocre | Sound | Sound | $3,888 | +1.800% | 26 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Las Cruces, NM
No credit impact
3-minute process
100% free