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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 VA Mortgage Company Lenders in New Mexico
Updated February 6, 2026
Market Overview
45
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 | Strong | Exceptional | Exceptional | Exceptional | $3,096 | +0.130% | 1,423 | |
2 | Rocky Mountain Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,658 | -0.221% | 73 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,014 | +0.234% | 303 | |
4 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,133 | +0.344% | 197 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,135 | -0.010% | 154 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,603 | +0.404% | 141 | |
7 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,460 | +0.403% | 411 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,332 | +0.401% | 324 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,492 | +0.521% | 57 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,180 | +0.365% | 1,738 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,504 | +0.185% | 366 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,658 | +0.456% | 96 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,026 | +0.374% | 89 | |
14 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,778 | -0.058% | 83 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $3,878 | +0.357% | 49 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,307 | +0.550% | 1,346 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,967 | +0.441% | 517 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,826 | +0.420% | 309 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,644 | +0.605% | 172 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,392 | +0.412% | 133 | |
21 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,606 | +0.571% | 115 | |
22 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,836 | +0.514% | 87 | |
23 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.303% | 80 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,070 | +0.373% | 74 | |
25 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $3,061 | +0.384% | 46 | |
26 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Sound | $1,278 | +0.330% | 44 | |
27 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,906 | +0.549% | 1,432 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,958 | +0.516% | 876 | |
29 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $4,232 | +0.494% | 176 | |
30 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,021 | +0.403% | 107 | |
31 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,270 | +0.779% | 101 | |
32 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,032 | +0.264% | 67 | |
33 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,901 | +0.165% | 63 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,918 | +0.482% | 53 | |
35 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,761 | +0.244% | 45 | |
36 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $5,385 | +0.545% | 68 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,885 | +0.202% | 45 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,084 | +1.249% | 41 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,215 | +0.679% | 181 | |
40 | HOMETRUST MORTGAGE COMPANY | Sound | Mediocre | Strong | Strong | Strong | $3,839 | +0.366% | 172 | |
41 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,416 | +1.254% | 92 | |
42 | Commerce Home Mortgage, Inc. | Sound | Mediocre | Strong | Strong | Strong | $3,269 | +0.715% | 79 | |
43 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,032 | +0.688% | 68 | |
44 | Click n' Close, Inc. | Sound | Mediocre | Strong | Sound | Strong | $5,319 | +1.695% | 262 |
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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