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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 New Mexico
Updated February 6, 2026
Market Overview
49
Total Lenders
14,737
Total Loans
0.44%
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 | $3,096 | +0.130% | 1,423 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,180 | +0.365% | 1,738 | |
4 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,307 | +0.550% | 1,346 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,504 | +0.185% | 366 | |
6 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,014 | +0.234% | 303 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,135 | -0.010% | 154 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,603 | +0.404% | 141 | |
9 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,967 | +0.441% | 517 | |
10 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,460 | +0.403% | 411 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,332 | +0.401% | 324 | |
12 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,392 | +0.412% | 133 | |
13 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,021 | +0.403% | 107 | |
14 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,836 | +0.514% | 87 | |
15 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,778 | -0.058% | 83 | |
16 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,761 | +0.244% | 45 | |
17 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Sound | $1,278 | +0.330% | 44 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,826 | +0.420% | 309 | |
19 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,133 | +0.344% | 197 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,644 | +0.605% | 172 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,609 | +0.609% | 123 | |
22 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Strong | Strong | $3,606 | +0.571% | 115 | |
23 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,658 | +0.456% | 96 | |
24 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $2,894 | +0.303% | 80 | |
25 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $3,269 | +0.715% | 79 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,070 | +0.373% | 74 | |
27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $4,032 | +0.264% | 67 | |
28 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | $2,616 | +0.662% | 63 | |
29 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,901 | +0.165% | 63 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,918 | +0.482% | 53 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,878 | +0.357% | 49 | |
32 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Exceptional | $3,906 | +0.549% | 1,432 | |
33 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Exceptional | $3,958 | +0.516% | 876 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,215 | +0.679% | 181 | |
35 | HOMETRUST MORTGAGE COMPANY | Sound | Acceptable | Sound | Strong | $3,839 | +0.366% | 172 | |
36 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $4,270 | +0.779% | 101 | |
37 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,026 | +0.374% | 89 | |
38 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $1,492 | +0.521% | 57 | |
39 | VAN DYK MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $3,229 | +0.574% | 50 | |
40 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $3,209 | +0.650% | 47 | |
41 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,084 | +1.249% | 41 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $5,032 | +0.688% | 68 | |
43 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Sound | $3,061 | +0.384% | 46 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,885 | +0.202% | 45 | |
45 | Click n' Close, Inc. | Sound | Mediocre | Sound | Strong | $5,319 | +1.695% | 262 | |
46 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Sound | Strong | $4,232 | +0.494% | 176 | |
47 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $4,416 | +1.254% | 92 | |
48 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $5,385 | +0.545% | 68 |
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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