Mortgage Lenders and Brokers in Kirtland, 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
Kirtland, New Mexico mortgage lenders include Bank of the SouthwestBank of the Southwest2 County Rd 6500, Kirtland, NM 87417A5.0 ★Texas Ratio: 7.62%, The Citizens BankThe Citizens Bank215 S Main Ave, Aztec, NM 87410B-3.1 ★Texas Ratio: 0.13%, Wells Fargo Bank NAWells Fargo Bank NA1109 New York Ave, Alamogordo, NM 88310A+5.0 ★Texas Ratio: 5.36%, Sunflower Bank, N.A.Sunflower Bank, N.A.7300 Jefferson St Ne, Albuquerque, NM 87109A5.0 ★Texas Ratio: 10.77%, U.S. Eagle Federal Credit UnionU.S. Eagle Federal Credit Union3939 Osuna Rd NE, Albuquerque, NM 87109 4431F2.6 ★Texas Ratio: 44.42%, Rocket Mortgage, Cornerstone Capital Bank, SsbCornerstone Capital Bank, SsbA+5.0 ★Texas Ratio: 3.21%, United Wholesale Mortgage, loanDepot.com LLC, and Click n' Close, Inc.. 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 Kirtland, New Mexico in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kirtland 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 Kirtland, New Mexico
Market share is the lender's share of all home loans closed in Kirtland, 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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1 office in Kirtland 2 County Rd 6500, Kirtland, NM 87417 A5.0 ★Texas Ratio: 7.62% |
Conventional | 1 | 2% | 100% | $145,000 | View |
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215 S Main Ave, Aztec, NM 87410 B-3.1 ★Texas Ratio: 0.13% |
Conventional | 2 | 4% | 50% | $145,000 | View |
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1109 New York Ave, Alamogordo, NM 88310 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 2% | 100% | $125,000 | View |
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7300 Jefferson St Ne, Albuquerque, NM 87109 A5.0 ★Texas Ratio: 10.77% |
FHA | 1 | 2% | 100% | $195,000 | View |
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3939 Osuna Rd NE, Albuquerque, NM 87109 4431 F2.6 ★Texas Ratio: 44.42% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Rocket Mortgage
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Conventional, FHA, VA | 8 | 16% | 72.7% | $143,750 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA, VA, USDA | 5 | 10% | 100% | $215,000 | View |
United Wholesale Mortgage
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FHA, VA | 3 | 6% | 100% | $235,000 | |
loanDepot.com LLC
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Conventional, VA | 3 | 6% | 60% | $158,333 | |
Click n' Close, Inc.
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Conventional, FHA, USDA | 3 | 6% | 100% | $185,000 | |
New Day Financial, LLC.
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VA | 3 | 6% | 100% | $261,666 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 4% | 100% | $290,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 4% | 50% | $130,000 | |
Guild Mortgage Company
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Conventional, VA | 2 | 4% | 100% | $165,000 | |
V.I.P. Mortgage, Inc.
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FHA, USDA | 2 | 4% | 100% | $285,000 | |
Mortgage Solutions of Colorado
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Conventional, VA | 2 | 4% | 100% | $175,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 4% | 11.8% | $110,000 | |
Kind Lending, LLC
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Conventional | 1 | 2% | 100% | $255,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 2% | 100% | $305,000 | |
American Financing Corporation
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FHA | 1 | 2% | 100% | $135,000 | |
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A5.0 ★Texas Ratio: 9.78% |
Conventional | 1 | 2% | 100% | $25,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 2% | 100% | $285,000 | |
Mortgage Research Center
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VA | 1 | 2% | 50% | $255,000 | |
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A5.0 ★Texas Ratio: 8.33% |
Conventional | 1 | 2% | 100% | $55,000 | |
Texana Bank
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VA | 1 | 2% | 100% | $245,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Kirtland 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 Kirtland, New Mexico
Looking for mortgage lenders near me or mortgage brokers near me in Kirtland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kirtland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kirtland, NM
Use these to narrow the list above. Each category shows how many Kirtland, NM lenders fit and what that kind of lender is usually best for.
Who Lends in Kirtland, NM
Independent mortgage companies closed 74 percent of home loans in Kirtland, New Mexico in 2025, banks 22 percent and credit unions 4 percent. Rocket Mortgage was the largest mortgage company, Bank of the Southwest the largest bank and U.S. Eagle Federal Credit Union the largest credit union. Among lenders headquartered in New Mexico, Bank of the Southwest led with 1 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 Kirtland, NM
By home loans closed in 2025, Bank of the Southwest was the largest mortgage lender in Kirtland, New Mexico with 1 loans, about 2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Kirtland, New Mexico in 2025, led by United Wholesale Mortgage with 2. 10 lenders closed VA loans, led by New Day Financial, LLC., and 3 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. 6 banks and 5 credit unions closed home loans in Kirtland, New Mexico in 2025, alongside 17 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 Kirtland, 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 Kirtland, 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 Kirtland. 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.
