# Best Mortgage Lenders in Las Cruces, NM

**As of:** 2026-05-24

Compare the top mortgage lenders in Las Cruces, NM. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/las-cruces-nm/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 44
- **Total Loans:** 2,060
- **Median Rate Spread:** 0.31606976744186044%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Citizens Bank of Las Cruces | 93 | 63 | 85 | 237 | Bank |
| 2 | Rocky Mountain Mortgage Company | 86 | 86 | 61 | 73 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 191 | Independent Mortgage Company |
| 4 | FirstLight Federal Credit Union | 78 | 86 | 42 | 52 | Credit Union |
| 5 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 41 | Credit Union |
| 6 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 216 | Independent Mortgage Company |
| 7 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 62 | Bank |
| 8 | SUN AMERICAN MORTGAGE COMPANY | 73 | 43 | 67 | 36 | Independent Mortgage Company |
| 9 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 148 | Independent Mortgage Company |
| 10 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 102 | Independent Mortgage Company |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 73 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 34 | Independent Mortgage Company |
| 13 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 31 | Bank |
| 14 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 27 | Independent Mortgage Company |
| 15 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 21 | Independent Mortgage Company |
| 16 | Commerce Home Mortgage, Inc. | 63 | 21 | 68 | 60 | Independent Mortgage Company |
| 17 | Mortgage Research Center, LLC | 63 | 34 | 70 | 58 | Independent Mortgage Company |
| 18 | First American Bank | 63 | 67 | 33 | 24 | Bank |
| 19 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 24 | Independent Mortgage Company |
| 20 | USAA Federal Savings Bank | 60 | 54 | 45 | 21 | Bank |
| 21 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 46 | Independent Mortgage Company |
| 22 | Gateway First Bank | 58 | 29 | 79 | 32 | Bank |
| 23 | Plains Commerce Bank | 58 | 37 | 67 | 30 | Bank |
| 24 | MICHIGAN MUTUAL, INC. | 58 | 32 | 73 | 26 | Independent Mortgage Company |
| 25 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 58 | 21 | 66 | 23 | Independent Mortgage Company |
| 26 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 58 | 28 | 68 | 21 | Independent Mortgage Company |
| 27 | Waterstone Mortgage Corporation | 50 | 15 | 80 | 100 | Independent Mortgage Company |
| 28 | RIGHT START MORTGAGE, INC. | 49 | 11 | 84 | 26 | Independent Mortgage Company |
| 29 | Click n' Close, Inc. | 42 | 1 | 59 | 26 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Las Cruces, NM.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.