Safe Rate Rankings

Best Conventional Mortgage Lenders in Santa Fe

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders33

Total Loans1,243

Median Rate Spread0.14%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NUSENDACredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,404Fees	0.392%Below	65
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$901Fees	0.387%Below	20
3	BOKF, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,331Fees	0.201%Above	68
4	Del Norte Credit UnionCredit Union	Exceptional	Strong	Sound	Strong	Exceptional	$1,975Fees	0.548%Below	43
5	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,530Fees	0.018%Below	29
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,336Fees	0.056%Below	18
7	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$260Fees	0.516%Below	13
8	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$622Fees	0.002%Above	12
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,474Fees	0.141%Above	104
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,872Fees	0.250%Above	102
11	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,047Fees	0.362%Above	73
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$3,459Fees	0.092%Above	36
13	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,694Fees	0.651%Above	60
14	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,361Fees	0.362%Above	59
15	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,352Fees	0.275%Above	19
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,054Fees	0.164%Above	16
17	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,403Fees	0.028%Below	15
18	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,645Fees	0.259%Above	47
19	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,328Fees	0.365%Above	40
20	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$6,132Fees	0.473%Above	26
21	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,154Fees	0.444%Above	98
22	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,059Fees	0.486%Above	22
23	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$5,759Fees	0.110%Below	15
24	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,631Fees	0.216%Above	15
25	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,393Fees	0.464%Above	12
26	State Employees Credit UnionCredit Union	Strong	Acceptable	Sound	Sound	Exceptional	$1,376Fees	0.417%Above	30
27	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,379Fees	0.129%Above	11
28	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,226Fees	0.752%Above	21

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.