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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 Conventional Mortgage Company Lenders in New Mexico

Updated February 6, 2026

Market Overview

Total Lenders

19,938

Total Loans

0.34%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,180	+0.365%	1,738
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,096	+0.130%	1,423
3	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,504	+0.185%	366
4	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,658	+0.456%	96
5	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$1,778	-0.058%	83
6	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,307	+0.550%	1,346
7	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,958	+0.516%	876
8	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,135	-0.010%	154
9	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,021	+0.403%	107
10	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,836	+0.514%	87
11	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$3,761	+0.244%	45
12	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,460	+0.403%	411
13	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,332	+0.401%	324
14	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,826	+0.420%	309
15	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,014	+0.234%	303
16	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,133	+0.344%	197
17	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,644	+0.605%	172
18	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,603	+0.404%	141
19	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,392	+0.412%	133
20	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,609	+0.609%	123
21	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,894	+0.303%	80
22	Commerce Home Mortgage, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,269	+0.715%	79
23	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,032	+0.264%	67
24	SUN AMERICAN MORTGAGE COMPANY	Strong	Sound	Strong	Strong	Sound	$1,278	+0.330%	44
25	Waterstone Mortgage Corporation	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,906	+0.549%	1,432
26	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$3,967	+0.441%	517
27	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,215	+0.679%	181
28	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,026	+0.374%	89
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,070	+0.373%	74
30	Rocky Mountain Mortgage Company	Strong	Strong	Acceptable	Acceptable	Strong	$1,658	-0.221%	73
31	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,616	+0.662%	63
32	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$3,901	+0.165%	63
33	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,492	+0.521%	57
34	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,918	+0.482%	53
35	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,878	+0.357%	49
36	GENEVA FINANCIAL, LLC	Sound	Mediocre	Strong	Strong	Strong	$4,270	+0.779%	101
37	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$5,032	+0.688%	68
38	VAN DYK MORTGAGE CORPORATION	Sound	Acceptable	Strong	Sound	Sound	$3,229	+0.574%	50
39	ZILLOW HOME LOANS, LLC	Sound	Acceptable	Strong	Sound	Sound	$3,209	+0.650%	47
40	Click n' Close, Inc.	Sound	Mediocre	Strong	Sound	Strong	$5,319	+1.695%	262
41	CALCON MUTUAL MORTGAGE LLC	Sound	Mediocre	Strong	Sound	Strong	$4,232	+0.494%	176
42	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$4,885	+0.202%	45
43	HOMETRUST MORTGAGE COMPANY	Sound	Mediocre	Sound	Sound	Strong	$3,839	+0.366%	172
44	AMERISAVE MORTGAGE CORPORATION	Sound	Mediocre	Strong	Acceptable	Strong	$5,385	+0.545%	68
45	MORTGAGE SOLUTIONS OF COLORADO, LLC	Sound	Mediocre	Sound	Acceptable	Strong	$3,606	+0.571%	115
46	HOMEBRIDGE FINANCIAL SERVICES, INC.	Sound	Mediocre	Strong	Acceptable	Sound	$3,061	+0.384%	46

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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