# Citizens Bank of Las Cruces

> **Canonical URL:** https://saferate.com/lenders/citizens-bank-of-las-cruces


> **📋 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


Citizens Bank of Las Cruces is a bank, headquartered in Las Cruces, NM, serving borrowers across 3 states, with 256 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 15% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300L5PE7ZGYRW5Q15
- **Headquarters:** Las Cruces, NM
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AZ, NM, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.287%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,353
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 256
- **Dollar Volume:** $75 million
- **Applications Received:** 289
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $294,375
- **Average Borrower Income:** $145,195
- **Average Property Value:** $393,359

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 186 | +0.285% | $1,290 | Strong 😀 |
| FHA | 66/100 | 46 | +0.392% | $1,663 | Strong 😀 |
| VA | 66/100 | 22 | +0.031% | $1,149 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 174 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 46 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 22 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 243 | $72M | +0.286% | Strong 😀 |
| Refinance | 41/100 | 13 | $4M | +0.304% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NM | 247 | 1.21% | 86/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Las Cruces, NM | NM | 237 | 100/100 |

## Where This Lender Ranks

Citizens Bank of Las Cruces appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New Mexico
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders)
- 🥇 **#1** in New Mexico Banks
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/banks)
- 🥇 **#1** in New Mexico for Conventional Loans
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in New Mexico for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in New Mexico for FHA Loans
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in New Mexico for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in New Mexico for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Las Cruces, NM
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders)
- 🥇 **#1** in Las Cruces, NM Banks
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/banks)
- 🥇 **#1** in Las Cruces, NM for Conventional Loans
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Las Cruces, NM for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Las Cruces, NM for FHA Loans
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Las Cruces, NM for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Las Cruces, NM for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in New Mexico for VA Loans
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Las Cruces, NM for VA Loans
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does Citizens Bank of Las Cruces offer?

Citizens Bank of Las Cruces offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Citizens Bank of Las Cruces offer mortgages?

Citizens Bank of Las Cruces offers mortgages in 3 states: AZ, NM, TX.

### How competitive are Citizens Bank of Las Cruces's mortgage rates?

Citizens Bank of Las Cruces has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.287% above market average.

### What type of lender is Citizens Bank of Las Cruces?

Citizens Bank of Las Cruces is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Las Cruces, NM.

### What is Citizens Bank of Las Cruces's loan approval success rate?

Citizens Bank of Las Cruces has a pull-through score of 85/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/citizens-bank-of-las-cruces

### How to Cite

> "Citizens Bank of Las Cruces Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-bank-of-las-cruces

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