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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 FHA Mortgage Company Lenders in New Mexico
Updated February 6, 2026
Market Overview
48
Total Lenders
19,938
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,096 | +0.130% | 1,423 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,014 | +0.234% | 303 | |
3 | Rocky Mountain Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,658 | -0.221% | 73 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,135 | -0.010% | 154 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,492 | +0.521% | 57 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,180 | +0.365% | 1,738 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,504 | +0.185% | 366 | |
8 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,133 | +0.344% | 197 | |
9 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,616 | +0.662% | 63 | |
10 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,901 | +0.165% | 63 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,307 | +0.550% | 1,346 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,332 | +0.401% | 324 | |
13 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,021 | +0.403% | 107 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,026 | +0.374% | 89 | |
15 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,836 | +0.514% | 87 | |
16 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,906 | +0.549% | 1,432 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,967 | +0.441% | 517 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,460 | +0.403% | 411 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,603 | +0.404% | 141 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,392 | +0.412% | 133 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,609 | +0.609% | 123 | |
22 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,606 | +0.571% | 115 | |
23 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,658 | +0.456% | 96 | |
24 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.303% | 80 | |
25 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,269 | +0.715% | 79 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,070 | +0.373% | 74 | |
27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,032 | +0.264% | 67 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,918 | +0.482% | 53 | |
29 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $3,061 | +0.384% | 46 | |
30 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Sound | $1,278 | +0.330% | 44 | |
31 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,958 | +0.516% | 876 | |
32 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,270 | +0.779% | 101 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,778 | -0.058% | 83 | |
34 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $5,385 | +0.545% | 68 | |
35 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,229 | +0.574% | 50 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,878 | +0.357% | 49 | |
37 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,209 | +0.650% | 47 | |
38 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,761 | +0.244% | 45 | |
39 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,084 | +1.249% | 41 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,826 | +0.420% | 309 | |
41 | Click n' Close, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,319 | +1.695% | 262 | |
42 | CALCON MUTUAL MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,232 | +0.494% | 176 | |
43 | HOMETRUST MORTGAGE COMPANY | Strong | Acceptable | Strong | Sound | Strong | $3,839 | +0.366% | 172 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,644 | +0.605% | 172 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,032 | +0.688% | 68 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,885 | +0.202% | 45 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,215 | +0.679% | 181 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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