# Best Mortgage Lenders in Santa Fe, NM

**As of:** 2026-05-26

Compare the top mortgage lenders in Santa Fe, NM. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/santa-fe-nm/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 33
- **Total Loans:** 1,243
- **Median Rate Spread:** 0.13934375%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NUSENDA | 86 | 67 | 70 | 65 | Credit Union |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 102 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 104 | Independent Mortgage Company |
| 4 | Nations Lending Corporation | 74 | 30 | 93 | 73 | Independent Mortgage Company |
| 5 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 74 | 26 | 87 | 60 | Independent Mortgage Company |
| 6 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 59 | Independent Mortgage Company |
| 7 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 36 | Bank |
| 8 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 29 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 20 | Credit Union |
| 10 | BOKF, National Association | 68 | 39 | 71 | 68 | Bank |
| 11 | Sunflower Bank, National Association | 68 | 35 | 71 | 47 | Bank |
| 12 | Del Norte Credit Union | 68 | 74 | 37 | 43 | Credit Union |
| 13 | Bell Bank | 68 | 35 | 82 | 40 | Bank |
| 14 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 22 | Independent Mortgage Company |
| 15 | Mortgage Research Center, LLC | 58 | 34 | 70 | 22 | Independent Mortgage Company |
| 16 | Waterstone Mortgage Corporation | 54 | 15 | 80 | 98 | Independent Mortgage Company |
| 17 | State Employees Credit Union | 54 | 29 | 33 | 30 | Credit Union |
| 18 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 50 | 17 | 75 | 26 | Independent Mortgage Company |
| 19 | SUMMIT FUNDING, INC. | 49 | 13 | 81 | 21 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Santa Fe, NM.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.