Safe Rate Rankings

Best All Lender Mortgage Lenders in Las Cruces

Updated May 24, 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.

Market

Total Lenders44

Total Loans2,060

Median Rate Spread0.32%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citizens Bank of Las CrucesBank	Exceptional	Strong	Exceptional	Exceptional	$1,360Fees	0.276%Above	237
2	Rocky Mountain Mortgage CompanyIndependent Mortgage Company	Exceptional	Exceptional	Strong	Strong	$1,658Fees	0.221%Below	73
3	FirstLight Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$775Fees	0.150%Above	52
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$675Fees	0.461%Below	41
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,956Fees	0.033%Above	191
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,358Fees	0.468%Above	216
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,575Fees	0.048%Below	62
8	SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,272Fees	0.240%Above	36
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,363Fees	0.145%Above	31
10	First American BankBank	Strong	Strong	Acceptable	Strong	$1,524Fees	0.253%Above	24
11	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,260Fees	0.003%Below	148
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,557Fees	0.617%Above	102
13	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,517Fees	0.280%Above	73
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,459Fees	0.282%Above	34
15	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,322Fees	0.289%Above	27
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,080Fees	0.024%Below	21
17	Commerce Home Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,299Fees	0.622%Above	60
18	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,841Fees	0.178%Above	24
19	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,765Fees	0.233%Below	21
20	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,207Fees	0.693%Above	46
21	Gateway First BankBank	Sound	Acceptable	Strong	Sound	$1,489Fees	0.457%Above	32
22	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$2,397Fees	0.236%Above	30
23	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,224Fees	0.524%Above	26
24	PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,005Fees	0.314%Above	23
25	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,612Fees	0.628%Above	21
26	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,184Fees	0.558%Above	100
27	RIGHT START MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$2,331Fees	0.684%Above	26
28	Click n' Close, Inc.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	$3,888Fees	1.800%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.