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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 Mortgage Company Lenders in Las Cruces
Updated February 5, 2026
Market Overview
20
Total Lenders
1,437
Total Loans
0.42%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Rocky Mountain Mortgage Company | Exceptional | Exceptional | Strong | Strong | $1,658 | -0.221% | 73 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,956 | +0.033% | 191 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,358 | +0.468% | 216 | |
4 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | $1,272 | +0.240% | 36 | |
5 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,260 | -0.003% | 148 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,557 | +0.617% | 102 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,517 | +0.280% | 73 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,459 | +0.282% | 34 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,322 | +0.289% | 27 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,080 | -0.024% | 21 | |
11 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $3,299 | +0.622% | 60 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $4,841 | +0.178% | 24 | |
13 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,207 | +0.693% | 46 | |
14 | MICHIGAN MUTUAL, INC. | Sound | Acceptable | Strong | Sound | $1,224 | +0.524% | 26 | |
15 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $1,005 | +0.314% | 23 | |
16 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $3,612 | +0.628% | 21 | |
17 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $4,184 | +0.558% | 100 | |
18 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Exceptional | Sound | $2,331 | +0.684% | 26 | |
19 | 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.
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