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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citizens Bank of Las Cruces | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,360 | +0.276% | 237 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $675 | -0.461% | 41 | |
3 | FirstLight Federal Credit Union | Exceptional | Exceptional | Sound | Sound | Strong | $775 | +0.150% | 52 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,640 | +0.087% | 19 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,681 | +0.129% | 12 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,358 | +0.468% | 216 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,956 | +0.033% | 191 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,575 | -0.048% | 62 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,363 | +0.145% | 31 | |
10 | NUSENDA | Strong | Strong | Strong | Strong | Sound | $1,609 | -0.653% | 17 | |
11 | GECU | Strong | Strong | Strong | Strong | Sound | $823 | +0.374% | 13 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,260 | -0.003% | 148 | |
13 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Strong | $1,272 | +0.240% | 36 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,459 | +0.282% | 34 | |
15 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,348 | +0.699% | 10 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,557 | +0.617% | 102 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,517 | +0.280% | 73 | |
18 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,299 | +0.622% | 60 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,080 | -0.024% | 21 | |
20 | Rocky Mountain Mortgage Company | Strong | Strong | Acceptable | Acceptable | Strong | $1,658 | -0.221% | 73 | |
21 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,207 | +0.693% | 46 | |
22 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,489 | +0.457% | 32 | |
23 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,397 | +0.236% | 30 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,841 | +0.178% | 24 | |
25 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,337 | +0.208% | 17 | |
26 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $5,183 | +0.885% | 12 | |
27 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,184 | +0.558% | 100 | |
28 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,224 | +0.524% | 26 | |
29 | First American Bank | Strong | Sound | Acceptable | Sound | Strong | $1,524 | +0.253% | 24 | |
30 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,765 | -0.233% | 21 | |
31 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,128 | +0.224% | 12 | |
32 | LOANPEOPLE, LLC | Sound | Acceptable | Strong | Sound | Sound | $3,932 | +0.640% | 17 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,834 | +0.568% | 15 | |
34 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Sound | $2,331 | +0.684% | 26 | |
35 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $1,005 | +0.314% | 23 | |
36 | Click n' Close, Inc. | Sound | Mediocre | Strong | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
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