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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 VA Mortgage Lenders in New Mexico

Updated February 6, 2026

Market Overview

154

Total Lenders

19,938

Total Loans

0.34%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,096	+0.130%	1,423
2	NBKC BANK	Exceptional	Exceptional	Exceptional	Strong	Strong	$757	-0.205%	88
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,230	-0.547%	296
4	Citizens Bank of Las Cruces	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,328	+0.290%	247
5	Rocky Mountain Mortgage Company	Exceptional	Exceptional	Strong	Strong	Strong	$1,658	-0.221%	73
6	CORNERSTONE CAPITAL BANK, SSB	Exceptional	Strong	Exceptional	Exceptional	Strong	$3,609	+0.467%	71
7	JPMorgan Chase Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,847	+0.116%	491
8	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,014	+0.234%	303
9	KIND LENDING, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,133	+0.344%	197
10	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,135	-0.010%	154
11	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,603	+0.404%	141
12	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,460	+0.403%	411
13	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,332	+0.401%	324
14	Bell Bank	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,078	+0.214%	263
15	USAA Federal Savings Bank	Exceptional	Strong	Exceptional	Sound	Strong	$1,831	-0.105%	213
16	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Sound	$1,492	+0.521%	57
17	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,180	+0.365%	1,738
18	NUSENDA	Strong	Strong	Sound	Sound	Exceptional	$1,279	-0.292%	479
19	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,504	+0.185%	366
20	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$2,899	+0.281%	131
21	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,298	+0.309%	126
22	Gateway First Bank	Strong	Sound	Exceptional	Strong	Strong	$2,787	+0.411%	124
23	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,658	+0.456%	96
24	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$3,026	+0.374%	89
25	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,778	-0.058%	83
26	MOVEMENT MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	Sound	$3,878	+0.357%	49
27	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,307	+0.550%	1,346
28	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,967	+0.441%	517
29	BOKF, National Association	Strong	Acceptable	Strong	Strong	Exceptional	$2,159	+0.303%	636
30	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,826	+0.420%	309
31	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,644	+0.605%	172
32	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,392	+0.412%	133
33	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,606	+0.571%	115
34	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,836	+0.514%	87
35	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,894	+0.303%	80
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,070	+0.373%	74
37	HOMEBRIDGE FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Sound	$3,061	+0.384%	46
38	SUN AMERICAN MORTGAGE COMPANY	Strong	Sound	Strong	Strong	Sound	$1,278	+0.330%	44
39	Waterstone Mortgage Corporation	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,906	+0.549%	1,432
40	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,958	+0.516%	876
41	CALCON MUTUAL MORTGAGE LLC	Strong	Acceptable	Strong	Strong	Strong	$4,232	+0.494%	176
42	Sunflower Bank, National Association	Strong	Acceptable	Strong	Strong	Strong	$3,068	+0.400%	169
43	Nations Lending Corporation	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,021	+0.403%	107
44	GENEVA FINANCIAL, LLC	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,270	+0.779%	101
45	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$4,032	+0.264%	67
46	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$3,901	+0.165%	63
47	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,918	+0.482%	53
48	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,761	+0.244%	45
49	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$5,385	+0.545%	68
50	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,885	+0.202%	45

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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