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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 Lenders in New Mexico
Updated February 6, 2026
Market Overview
154
Total Lenders
19,938
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citizens Bank of Las Cruces | Exceptional | Strong | Exceptional | Exceptional | $1,328 | +0.290% | 247 | |
2 | Rocky Mountain Mortgage Company | Exceptional | Exceptional | Strong | Strong | $1,658 | -0.221% | 73 | |
3 | NUSENDA | Exceptional | Strong | Strong | Exceptional | $1,279 | -0.292% | 479 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,230 | -0.547% | 296 | |
5 | Sandia Laboratory Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $1,189 | -0.562% | 295 | |
6 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $757 | -0.205% | 88 | |
7 | FirstLight Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $775 | +0.150% | 53 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,096 | +0.130% | 1,423 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,237 | +0.000% | 127 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,402 | +0.128% | 111 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,847 | +0.116% | 491 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,285 | +0.173% | 242 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,180 | +0.365% | 1,738 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,307 | +0.550% | 1,346 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,504 | +0.185% | 366 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,014 | +0.234% | 303 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,135 | -0.010% | 154 | |
18 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,603 | +0.404% | 141 | |
19 | Del Norte Credit Union | Strong | Strong | Acceptable | Strong | $1,594 | -0.488% | 92 | |
20 | First American Bank | Strong | Strong | Acceptable | Strong | $1,140 | +0.376% | 78 | |
21 | BOKF, National Association | Strong | Acceptable | Strong | Exceptional | $2,159 | +0.303% | 636 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,967 | +0.441% | 517 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,460 | +0.403% | 411 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,332 | +0.401% | 324 | |
25 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $3,078 | +0.214% | 263 | |
26 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,831 | -0.105% | 213 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,392 | +0.412% | 133 | |
28 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,021 | +0.403% | 107 | |
29 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,836 | +0.514% | 87 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,778 | -0.058% | 83 | |
31 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,761 | +0.244% | 45 | |
32 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Sound | $1,278 | +0.330% | 44 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,826 | +0.420% | 309 | |
34 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,133 | +0.344% | 197 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,644 | +0.605% | 172 | |
36 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | $3,068 | +0.400% | 169 | |
37 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $2,899 | +0.281% | 131 | |
38 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,298 | +0.309% | 126 | |
39 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $2,787 | +0.411% | 124 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,609 | +0.609% | 123 | |
41 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Strong | Strong | $3,606 | +0.571% | 115 | |
42 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,658 | +0.456% | 96 | |
43 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $2,894 | +0.303% | 80 | |
44 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $3,269 | +0.715% | 79 | |
45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,070 | +0.373% | 74 | |
46 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $3,609 | +0.467% | 71 | |
47 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $4,032 | +0.264% | 67 | |
48 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | $2,616 | +0.662% | 63 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,918 | +0.482% | 53 | |
50 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,878 | +0.357% | 49 |
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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