Safe Rate Rankings

Best All Lender Mortgage Lenders in New Mexico

Updated May 26, 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 Lenders154

Total Loans19,938

Median Rate Spread0.34%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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

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.