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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 Conventional Mortgage Lenders in Santa Fe
Updated February 5, 2026
Market Overview
33
Total Lenders
1,243
Total Loans
0.14%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NUSENDA | Exceptional | Strong | Strong | Strong | Exceptional | $1,404 | -0.392% | 65 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $901 | -0.387% | 20 | |
3 | BOKF, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,331 | +0.201% | 68 | |
4 | Del Norte Credit Union | Exceptional | Strong | Sound | Strong | Exceptional | $1,975 | -0.548% | 43 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,530 | -0.018% | 29 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,336 | -0.056% | 18 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $260 | -0.516% | 13 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $622 | +0.002% | 12 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,474 | +0.141% | 104 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,872 | +0.250% | 102 | |
11 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,047 | +0.362% | 73 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $3,459 | +0.092% | 36 | |
13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,694 | +0.651% | 60 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,361 | +0.362% | 59 | |
15 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,352 | +0.275% | 19 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,054 | +0.164% | 16 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,403 | -0.028% | 15 | |
18 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Exceptional | $3,645 | +0.259% | 47 | |
19 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,328 | +0.365% | 40 | |
20 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $6,132 | +0.473% | 26 | |
21 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,154 | +0.444% | 98 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,059 | +0.486% | 22 | |
23 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $5,759 | -0.110% | 15 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,631 | +0.216% | 15 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,393 | +0.464% | 12 | |
26 | State Employees Credit Union | Strong | Acceptable | Sound | Sound | Exceptional | $1,376 | +0.417% | 30 | |
27 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,379 | +0.129% | 11 | |
28 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,226 | +0.752% | 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)
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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