Safe Rate Rankings

Best Bank Mortgage Lenders in Las Cruces

Updated May 31, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders44
Total Loans2,060
Median Rate Spread0.32%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Citizens Bank of Las CrucesBank
Exceptional
Strong
Exceptional
Exceptional
$1,360Fees
0.276%Above
237
2
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Strong
$2,575Fees
0.048%Below
62
3
Wells Fargo Bank, National AssociationBank
Strong
Strong
Sound
Sound
$2,363Fees
0.145%Above
31
4
First American BankBank
Strong
Strong
Acceptable
Strong
$1,524Fees
0.253%Above
24
5
USAA Federal Savings BankBank
Strong
Sound
Sound
Sound
$2,765Fees
0.233%Below
21
6
Gateway First BankBank
Sound
Acceptable
Strong
Sound
$1,489Fees
0.457%Above
32
7
Plains Commerce BankBank
Sound
Acceptable
Strong
Sound
$2,397Fees
0.236%Above
30

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.