Mortgage Lenders and Brokers in Carlsbad, New Mexico
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Carlsbad, New Mexico mortgage lenders include Western Commerce BankWestern Commerce Bank3010 National Parks Hwy, Carlsbad, NM 88220A5.0 ★Texas Ratio: 10.25%, Wells Fargo Bank NAWells Fargo Bank NA115 W Fox St, Carlsbad, NM 88220A+5.0 ★Texas Ratio: 5.36%, First American BankFirst American Bank2201 W Pierce St, Carlsbad, NM 88220A+5.0 ★Texas Ratio: 3.00%, Pioneer BankPioneer Bank111 N Canal St, Carlsbad, NM 88220A5.0 ★Texas Ratio: 11.22%, US Bank, N.A.US Bank, N.A.7900 Jefferson St Ne, Albuquerque, NM 87109A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA9261 Coors Blvd Nw, Albuquerque, NM 87114A+5.0 ★Texas Ratio: 3.68%, Bokf NABokf NA3301 Coors Blvd Nw, Albuquerque, NM 87120A+5.0 ★Texas Ratio: 1.05%, Bank of America NABank of America NA4301 Wyoming Blvd Ne, Albuquerque, NM 87111A+5.0 ★Texas Ratio: 4.14%, Nusenda Federal Credit UnionNusenda Federal Credit Union7517 Montgomery Blvd NE, Albuquerque, NM 87109A+5.0 ★Texas Ratio: 5.40%, and Sunflower Bank, N.A.Sunflower Bank, N.A.7300 Jefferson St Ne, Albuquerque, NM 87109A5.0 ★Texas Ratio: 10.77%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Carlsbad, New Mexico in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carlsbad are listed first, then lenders elsewhere in New Mexico, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Carlsbad, New Mexico
Market share is the lender's share of all home loans closed in Carlsbad, New Mexico. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Carlsbad 3010 National Parks Hwy, Carlsbad, NM 88220 A5.0 ★Texas Ratio: 10.25% |
Conventional, FHA, VA, Jumbo | 75 | 10.3% | 98.7% | $275,533 | View |
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1 office in Carlsbad 115 W Fox St, Carlsbad, NM 88220 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 12 | 1.7% | 75% | $247,500 | View |
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1 office in Carlsbad 2201 W Pierce St, Carlsbad, NM 88220 A+5.0 ★Texas Ratio: 3.00% |
Conventional, VA | 4 | 0.6% | 80% | $182,500 | View |
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1 office in Carlsbad 111 N Canal St, Carlsbad, NM 88220 A5.0 ★Texas Ratio: 11.22% |
Conventional | 3 | 0.4% | 57.1% | $98,333 | View |
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7900 Jefferson St Ne, Albuquerque, NM 87109 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 3 | 0.4% | 50% | $141,666 | View |
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9261 Coors Blvd Nw, Albuquerque, NM 87114 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.4% | 100% | $261,666 | View |
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3301 Coors Blvd Nw, Albuquerque, NM 87120 A+5.0 ★Texas Ratio: 1.05% |
Conventional, FHA | 2 | 0.3% | 100% | $105,000 | View |
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4301 Wyoming Blvd Ne, Albuquerque, NM 87111 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $365,000 | View |
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7517 Montgomery Blvd NE, Albuquerque, NM 87109 A+5.0 ★Texas Ratio: 5.40% |
Conventional | 1 | 0.1% | 100% | $35,000 | View |
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7300 Jefferson St Ne, Albuquerque, NM 87109 A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.1% | 100% | $515,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 92 | 12.7% | 71.2% | $202,608 | |
Guild Mortgage Company
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Conventional, FHA | 53 | 7.3% | 93.8% | $189,528 | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA, VA | 50 | 6.9% | 98.1% | $184,800 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 26 +1 HELOCs |
3.6% | 79.4% | $358,461 | |
Mortgage Research Center
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Conventional, FHA, VA | 22 | 3% | 81.5% | $322,272 | |
Geneva Financial LLC
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Conventional, FHA, VA | 21 | 2.9% | 95.5% | $239,761 | |
21St Mortgage
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Conventional | 21 | 2.9% | 56.4% | $156,904 | |
New American Funding, LLC.
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Conventional, FHA | 20 | 2.8% | 95.2% | $179,500 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 19 | 2.6% | 79.2% | $306,578 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 17 | 2.3% | 94.4% | $213,235 | |
Securitynational Mortgage Company
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Conventional, FHA, VA | 17 | 2.3% | 89.5% | $245,000 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 13 +1 HELOCs |
1.8% | 59.1% | $191,923 | |
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C+4.1 ★Texas Ratio: 26.20% |
Conventional, FHA | 12 | 1.7% | 100% | $261,666 | View |
Pennymac Loan Services LLC
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FHA, VA | 11 | 1.5% | 78.6% | $293,181 | |
Paramount Residential Mortgage
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Conventional, FHA | 11 | 1.5% | 100% | $327,727 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 10 | 1.4% | 100% | $295,000 | |
Kind Lending, LLC
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Conventional, FHA | 10 | 1.4% | 71.4% | $189,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 9 | 1.2% | 100% | $347,222 | |
Newrez LLC
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FHA, VA | 8 | 1.1% | 61.5% | $320,000 | |
Triad Financial Services, Inc.
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Conventional | 8 | 1.1% | 53.8% | $171,250 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 8 | 1.1% | 88.9% | $186,250 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA, VA | 7 | 1% | 87.5% | $352,142 | View |
Primelending
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Conventional, FHA | 7 | 1% | 72.7% | $217,857 | |
Nationstar Mortgage
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Conventional | 7 | 1% | 87.5% | $123,571 | |
Sun American Mortgage Company
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Conventional, FHA | 6 | 0.8% | 100% | $366,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 6 | 0.8% | 75% | $290,000 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 0.7% | 60% | $319,000 | |
American Financial Network, Inc.
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Conventional, FHA | 5 | 0.7% | 100% | $243,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 5 | 0.7% | 24% | $147,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +1 HELOCs |
0.6% | 57.1% | $72,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 0.6% | 66.7% | $192,500 | |
Neighborhood Loans, Inc
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Conventional | 4 | 0.6% | 36.4% | $7,500 | |
Directors Mortgage, Inc
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Conventional, FHA | 4 | 0.6% | 100% | $142,500 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 4 | 0.6% | 80% | $215,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 4 | 0.6% | 66.7% | $167,500 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 4 | 0.6% | 100% | $275,000 | View |
Right Start Mortgage, Inc
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FHA | 4 | 0.6% | 100% | $337,500 | |
Village Capital & Investment
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FHA, VA | 4 | 0.6% | 87.5% | $315,000 | |
American Portfolio Mortgage Corporation
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Conventional, FHA | 3 | 0.4% | 75% | $425,000 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.4% | 100% | $205,000 | |
Chevron Federal Credit Union
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Conventional | 3 | 0.4% | 100% | $288,333 | |
Waterstone Mortgage Corporation
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Conventional | 3 | 0.4% | 100% | $285,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 3 | 0.4% | 100% | $281,666 | |
Southwest Funding LP
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Conventional, FHA | 3 | 0.4% | 100% | $411,666 | |
The Loan Store, Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $185,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 0.3% | 100% | $180,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.3% | 25% | $105,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.3% | 100% | $265,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.3% | 11.8% | $130,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.3% | 66.7% | $200,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.3% | 100% | $230,000 | |
T2 Financial LLC
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Conventional | 2 | 0.3% | 100% | $345,000 | |
Veritas Funding, LLC
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FHA | 2 | 0.3% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 2 | 0.3% | 100% | $290,000 | View |
JMAC Lending, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $165,000 | |
Lower, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $395,000 | |
Panorama Mortgage Group, LLC
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Conventional | 1 | 0.1% | 100% | $245,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.1% | 100% | $125,000 | |
RANLife, Inc.
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Goodleap, LLC
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FHA | 1 | 0.1% | 50% | $165,000 | |
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A+5.0 ★Texas Ratio: 3.62% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Brighton Bank
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VA | 1 | 0.1% | 100% | $455,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.1% | 50% | $265,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Directions Equity, LLC
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FHA | 1 | 0.1% | 100% | $385,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Valley West Corporation
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VA | 1 | 0.1% | 100% | $395,000 | |
Builders Choice Mortgage LLC
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FHA | 1 | 0.1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
American Financing Corporation
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FHA | 1 | 0.1% | 66.7% | $165,000 | |
SIRVA Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
VA | 1 | 0.1% | 100% | $275,000 | View |
Rocky Mountain Mortgage Company
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FHA | 1 | 0.1% | 100% | $245,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $335,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.1% | 33.3% | $165,000 | View |
Nations Lending Corporation
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VA | 1 | 0.1% | 100% | $285,000 | |
Direct Mortgage Loans, LLC
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FHA | 1 | 0.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.1% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
CB&S Bank
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VA | 1 | 0.1% | 100% | $415,000 | |
Firefighters First Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $115,000 | |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $335,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.1% | 100% | $265,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 50% | $135,000 | View |
Southwest Stage Funding LLC
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VA | 1 | 0.1% | 75% | $425,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 50% | $805,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $415,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $455,000 | View |
Carrington Mortgage Services LLC
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VA | 1 | 0.1% | 33.3% | $485,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 0.1% | 100% | $455,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.33% |
HELOC | 0 +1 HELOCs |
0% | 0% |
Carlsbad Mortgage Rate Trends
Daily average mortgage rates for New Mexico compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Carlsbad, New Mexico
Looking for mortgage lenders near me or mortgage brokers near me in Carlsbad? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carlsbad in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carlsbad, NM
Use these to narrow the list above. Each category shows how many Carlsbad, NM lenders fit and what that kind of lender is usually best for.
Who Lends in Carlsbad, NM
Independent mortgage companies closed 78.8 percent of home loans in Carlsbad, New Mexico in 2025, banks 19.7 percent and credit unions 1.5 percent. Rocket Mortgage was the largest mortgage company, Western Commerce Bank the largest bank and Nusenda Federal Credit Union the largest credit union. Among lenders headquartered in New Mexico, Western Commerce Bank led with 75 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in New Mexico. None. New Mexico has no real estate transfer tax and no mortgage recording tax, only per document county recording fees.
More New Mexico Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Carlsbad, NM
By home loans closed in 2025, Western Commerce Bank was the largest mortgage lender in Carlsbad, New Mexico with 75 loans, about 10.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Carlsbad, New Mexico, Western Commerce Bank approved the highest share of completed applications in 2025 at 98.7 percent, against a 78.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
53 lenders closed FHA loans in Carlsbad, New Mexico in 2025, led by Rocket Mortgage with 29. 29 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 26 banks and 5 credit unions closed home loans in Carlsbad, New Mexico in 2025, alongside 77 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Carlsbad, New Mexico during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Carlsbad, New Mexico for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Carlsbad. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
