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Mortgage Lenders and Brokers in Las Cruces, New Mexico

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Las Cruces, New Mexico mortgage lenders include Citizens Bank of Las CrucesCitizens Bank of Las Cruces505 S Main St, Las Cruces, NM 88001A+5.0 ★Texas Ratio: 3.19%, White Sands Federal Credit UnionWhite Sands Federal Credit Union2755 N Main St, Las Cruces, NM 88001 1149A+5.0 ★Texas Ratio: 0.43%, US Bank, N.A.US Bank, N.A.277 E Amador Ave, Las Cruces, NM 88001A+5.0 ★Texas Ratio: 2.85%, First American BankFirst American Bank1553 Avenida De Mesilla, Las Cruces, NM 88005A+5.0 ★Texas Ratio: 3.00%, Wells Fargo Bank NAWells Fargo Bank NA2400 N Main St, Las Cruces, NM 88001A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA691 S Telshor Blvd, Las Cruces, NM 88011A+5.0 ★Texas Ratio: 4.14%, Bank of the SouthwestBank of the Southwest1043 N Main St, Las Cruces, NM 88001A5.0 ★Texas Ratio: 7.62%, BMO Harris Bank NABMO Harris Bank NA201 N Church St, Las Cruces, NM 88001A+5.0 ★Texas Ratio: 3.54%, PNC Bank N.A.PNC Bank N.A.3800 E Lohman Ave, Las Cruces, NM 88011A+5.0 ★Texas Ratio: 4.24%, and Sunflower Bank, N.A.Sunflower Bank, N.A.2535 S Telshor Blvd, Las Cruces, NM 88011A5.0 ★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 Las Cruces, New Mexico in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Las Cruces 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 Las Cruces, New Mexico

Market share is the lender's share of all home loans closed in Las Cruces, 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
Citizens Bank of Las Cruces 5 offices in Las Cruces 505 S Main St, Las Cruces, NM 88001 A+5.0 ★Texas Ratio: 3.19%	Conventional, FHA, VA	222	8.6%	96.1%	$252,747	View
White Sands Federal Credit Union 2755 N Main St, Las Cruces, NM 88001 1149 A+5.0 ★Texas Ratio: 0.43%	Conventional	26	1%	86.7%	$120,000	View
US Bank, N.A. 2 offices in Las Cruces 277 E Amador Ave, Las Cruces, NM 88001 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	22 +12 HELOCs	0.9%	47.8%	$174,090	View
First American Bank 2 offices in Las Cruces 1553 Avenida De Mesilla, Las Cruces, NM 88005 A+5.0 ★Texas Ratio: 3.00%	Conventional, FHA, VA	21	0.8%	91.3%	$226,904	View
Wells Fargo Bank NA 3 offices in Las Cruces 2400 N Main St, Las Cruces, NM 88001 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	20	0.8%	64.5%	$193,000	View
Bank of America NA 1 office in Las Cruces 691 S Telshor Blvd, Las Cruces, NM 88011 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	9 +14 HELOCs	0.3%	75%	$437,222	View
Bank of the Southwest 1 office in Las Cruces 1043 N Main St, Las Cruces, NM 88001 A5.0 ★Texas Ratio: 7.62%	Conventional	4	0.2%	100%	$157,500	View
BMO Harris Bank NA 2 offices in Las Cruces 201 N Church St, Las Cruces, NM 88001 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	3 +17 HELOCs	0.1%	50%	$181,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Las Cruces 3800 E Lohman Ave, Las Cruces, NM 88011 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +9 HELOCs	0.1%	75%	$318,333	View
Sunflower Bank, N.A. 2 offices in Las Cruces 2535 S Telshor Blvd, Las Cruces, NM 88011 A5.0 ★Texas Ratio: 10.77%	VA	2	0.1%	100%	$390,000	View
First National Bank Texas 3 offices in Las Cruces 3331 Rinconada Blvd, Las Cruces, NM 88011 A4.7 ★Texas Ratio: 3.20%	FHA	1	0%	100%	$205,000	View
Pioneer Bank 3 offices in Las Cruces 3831 E Lohman Ave, Las Cruces, NM 88011 A5.0 ★Texas Ratio: 11.22%	Conventional	1	0%	100%	$85,000	View
First Savings Bank 1 office in Las Cruces 2804 N Telshor Blvd, Las Cruces, NM 88011 A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0%	100%	$185,000	View
First New Mexico Bank, Las Cru	Conventional, VA	24	0.9%	70.6%	$261,250
Nusenda Federal Credit Union 1715 E University Ave, Las Cruces, NM 88001 A+5.0 ★Texas Ratio: 5.40%	Conventional, FHA, HELOC	43 +5 HELOCs	1.7%	81.5%	$148,255	View
JPMorgan Chase Bank, NA 9261 Coors Blvd Nw, Albuquerque, NM 87114 A+5.0 ★Texas Ratio: 3.68%	Conventional	35	1.4%	92.3%	$229,000	View
Bokf NA 3301 Coors Blvd Nw, Albuquerque, NM 87120 A+5.0 ★Texas Ratio: 1.05%	Conventional, FHA, VA, HELOC	5 +1 HELOCs	0.2%	83.3%	$229,000	View
First Financial Credit Union 901 E UNIVERSITY AVE STE Q, LAS CRUCES, NM 88001 5710 A+5.0 ★Texas Ratio: 4.65%	Conventional	4	0.2%	80%	$180,000	View
Kirtland Federal Credit Union 6440 Gibson Blvd SE, Albuquerque, NM 87108 A+5.0 ★Texas Ratio: 3.99%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$35,000	View
Del Norte Credit Union 1216 N Paseo de Onate, Espanola, NM 87532 A+5.0 ★Texas Ratio: 3.00%	Conventional	1	0%	33.3%	$315,000	View
First Ciitizens Bank and Trust 7300 Jefferson St Ne, Albuquerque, NM 87109 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0%	100%	$505,000	View
Zions Bancorporation, N.A. 2000 E 20th St, Farmington, NM 87401 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +2 HELOCs	0%	n/a		View
State Employees Credit Union 3521 Montgomery Blvd NE, Albuquerque, NM 87107 C+4.1 ★Texas Ratio: 26.01%	HELOC	0 +1 HELOCs	0%	0%		View
Sunward 3707 Juan Tabo Blvd NE, Albuquerque, NM 87111 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +1 HELOCs	0%	n/a		View
Sandia Area Federal Credit Uni	Conventional	2	0.1%	50%	$45,000
Rocket Mortgage	Conventional, FHA, VA, HELOC	242 +2 HELOCs	9.4%	83.3%	$202,314
Guild Mortgage Company	Conventional, FHA, VA	206	8%	94.1%	$139,126
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	204 +2 HELOCs	7.9%	91%	$308,382
Primelending	Conventional, FHA, VA	144	5.6%	95.7%	$150,069
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	86 +2 HELOCs	3.3%	97.8%	$323,255
Mortgage Research Center	Conventional, VA	60	2.3%	72.3%	$323,500
Firstlight Federal Credit Unio	Conventional, FHA	58	2.3%	85.7%	$128,793
Sun American Mortgage Company	Conventional, FHA, VA	53	2.1%	100%	$256,698
Waterstone Mortgage Corporation	Conventional, FHA, VA	50	1.9%	94.3%	$97,800
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA	50	1.9%	90.9%	$269,800	View
21St Mortgage	Conventional	48	1.9%	32.9%	$83,125
NOVA Financial & Investment Corporation	Conventional, FHA, VA	44	1.7%	69.2%	$238,863
loanDepot.com LLC	Conventional, FHA, VA, HELOC	39 +7 HELOCs	1.5%	87.8%	$231,153
New American Funding, LLC.	Conventional, FHA, VA, HELOC	39 +4 HELOCs	1.5%	78%	$220,897
The Loan Store, Inc	Conventional, FHA, VA, HELOC	38 +1 HELOCs	1.5%	97.7%	$234,210
Pennymac Loan Services LLC	Conventional, FHA, VA	38	1.5%	70.9%	$248,421
Cmg Mortgage Inc	Conventional, FHA, VA, USDA	37	1.4%	87.5%	$226,081
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	34 +6 HELOCs	1.3%	81%	$249,411
Freedom Mortgage Corporation	Conventional, FHA, VA	33	1.3%	83%	$304,393
Kind Lending, LLC	Conventional, FHA, VA	28	1.1%	73.7%	$341,428
Click n' Close, Inc.	Conventional, FHA, VA	27	1%	80.6%	$162,777
Newrez LLC	Conventional, VA	25	1%	73.5%	$274,200
Nationstar Mortgage	Conventional, FHA, VA	25	1%	76.5%	$175,000
Right Start Mortgage, Inc	Conventional, FHA, VA	24	0.9%	100%	$249,166
Union Home Mortgage Corp.	Conventional, FHA, VA	19	0.7%	87%	$330,263
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	18	0.7%	66.7%	$278,888	View
Amerisave Mortgage Company	Conventional, FHA, VA, HELOC	17 +1 HELOCs	0.7%	29.8%	$114,411
American Pacific Mortgage Corporation	Conventional, FHA, VA	17	0.7%	94.4%	$178,529
Gecu	Conventional	16	0.6%	84.2%	$120,625
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	16	0.6%	88.9%	$256,250
JMAC Lending, Inc.	Conventional, FHA, VA	16	0.6%	94.1%	$314,375
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	14	0.5%	70%	$208,571	View
Mutual of Omaha Mortgage	Conventional, FHA, VA	14	0.5%	87.5%	$258,571
Spring Eq, LLC	Conventional, HELOC	13 +5 HELOCs	0.5%	43.8%	$90,384
Planet Home Lending, LLC	Conventional, FHA, VA	13	0.5%	87.5%	$269,615
Directions Equity, LLC	Conventional, FHA, VA	12	0.5%	100%	$363,333
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	11	0.4%	66.7%	$251,363
Village Capital & Investment	FHA, VA	11	0.4%	61.5%	$328,636
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	10 +1 HELOCs	0.4%	90.9%	$223,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	10	0.4%	100%	$306,000	View
American Financial Resources LLC	Conventional, FHA, VA	9	0.3%	100%	$251,666
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, VA	8	0.3%	100%	$177,500	View
Primary Residential Mortgage, INC.	Conventional, FHA, VA	7	0.3%	100%	$192,142
Nbkc Bank	Conventional, FHA	7	0.3%	100%	$237,857
Discover Bank	Conventional	7	0.3%	31.8%	$87,857
Goodleap, LLC	Conventional, FHA, VA, HELOC	6 +1 HELOCs	0.2%	60%	$285,000
Lower, LLC	Conventional, FHA, VA, HELOC	6 +1 HELOCs	0.2%	85.7%	$268,333
Aspire Home Loans	Conventional	6	0.2%	100%	$306,666
Equity Prime Mortgage LLC	Conventional, FHA, VA	6	0.2%	85.7%	$281,666
Towne Mortgage Company	Conventional, FHA	6	0.2%	100%	$218,333
Zillow Home Loans, LLC	Conventional, FHA, VA	6	0.2%	100%	$255,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	6	0.2%	85.7%	$170,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	6	0.2%	12.2%	$141,666
Movement Mortgage, LLC	Conventional, FHA, VA	5	0.2%	100%	$235,000
AdvantageFirst Lending Inc	FHA, VA	5	0.2%	83.3%	$317,000
Michigan Mutual, Inc	Conventional, FHA, VA	5	0.2%	100%	$227,000
ClearPath Lending	VA	5	0.2%	71.4%	$329,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	5	0.2%	31.8%	$111,000
Better Mortgage Corporation	Conventional, VA, HELOC	4 +1 HELOCs	0.2%	57.1%	$397,500
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	4	0.2%	57.1%	$385,000	View
Pentagon Federal Credit Union	FHA, VA, HELOC	3 +6 HELOCs	0.1%	100%	$311,666
HomeBridge Financial Services, Inc	FHA, VA, HELOC	3 +2 HELOCs	0.1%	75%	$228,333
Pacific Residential Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$235,000
Everett Financial, Inc.	Conventional, FHA	3	0.1%	100%	$231,666
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	Conventional, FHA	3	0.1%	60%	$265,000	View
Raiz Federal Credit Union	Conventional	3	0.1%	60%	$191,666
AmeriHome Mortgage Company, LLC	FHA, VA	3	0.1%	100%	$291,666
Bayshore Mortgage Funding	Conventional, FHA, VA	3	0.1%	100%	$185,000
American Financing Corporation	Conventional, FHA	3	0.1%	60%	$228,333
Cardinal Financial Company, Li	FHA, VA	3	0.1%	80%	$228,333
New Day Financial, LLC.	VA	3	0.1%	37.5%	$281,666
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	Conventional, VA	3	0.1%	100%	$438,333	View
Geneva Financial LLC	Conventional, FHA	3	0.1%	100%	$298,333
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	3	0.1%	100%	$225,000	View
V.I.P. Mortgage, Inc.	Conventional, VA	3	0.1%	100%	$278,333
Mortgage Solutions of Colorado	VA	3	0.1%	80%	$221,666
Summit Funding.Inc	Conventional	3	0.1%	100%	$221,666
Veritas Funding, LLC	FHA, VA	3	0.1%	100%	$278,333
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA	3	0.1%	75%	$231,666	View
Fairway Independent Mort Corp	Conventional	3	0.1%	100%	$255,000
Paramount Residential Mortgage	Conventional	3	0.1%	100%	$415,000
Texana Bank	VA	3	0.1%	100%	$288,333
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA	2	0.1%	66.7%	$395,000	View
Sage Home Loans Corporation	Conventional	2	0.1%	100%	$370,000
AAA Capital Investment, Inc	Conventional	2	0.1%	100%	$200,000
Loanunited.Com, LLC	FHA	2	0.1%	100%	$230,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA, VA	2	0.1%	100%	$165,000	View
American Financial Network, Inc.	FHA	2	0.1%	100%	$405,000
Coast One Mortgage, LLC	Conventional	2	0.1%	66.7%	$290,000
Willow Bend Mortgage Company, LLC	Conventional	2	0.1%	100%	$205,000
Builders Choice Mortgage LLC	Conventional, FHA	2	0.1%	100%	$205,000
Real Genius LLC	Conventional	2	0.1%	100%	$375,000
Churchill Mortgage Corporation	Conventional	2	0.1%	100%	$330,000
Loanpeople, LLC	Conventional	2	0.1%	100%	$180,000
Nations Lending Corporation	Conventional, FHA	2	0.1%	100%	$225,000
Lendsure Mortgage Corp.	Conventional	2	0.1%	100%	$545,000
Cadence Lending Group, Inc.	Conventional	2	0.1%	100%	$540,000
Member First Mortgage, LLC	Conventional, VA	2	0.1%	66.7%	$195,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.1%	100%	$560,000	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	FHA, HELOC	1 +2 HELOCs	0%	100%	$285,000	View
Valon Mortgage	FHA, HELOC	1 +2 HELOCs	0%	100%	$215,000
Service Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$455,000
America First Federal Credit Union A5.0 ★Texas Ratio: 8.33%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$115,000
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0%	100%	$485,000	View
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0%	100%	$415,000	View
Gold Star Mortgage Financial Group, Corporation	FHA	1	0%	100%	$355,000
Countryplace Mortgage, Ltd.	Conventional	1	0%	20%	$125,000
Farmers Insurance Federal Credit Union	Conventional	1	0%	100%	$335,000
Washington Trust Bank A+5.0 ★Texas Ratio: 4.63%	Conventional	1	0%	100%	$255,000	View
Triad Financial Services, Inc.	Conventional	1	0%	20%	$85,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	VA	1	0%	100%	$255,000	View
Granite Bank A5.0 ★Texas Ratio: 13.85%	FHA	1	0%	100%	$305,000	View
Eustis Mortgage Corp	VA	1	0%	100%	$285,000
Vantage West Credit Union	Conventional	1	0%	100%	$405,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	FHA	1	0%	100%	$235,000	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$135,000	View
Goldwater Bank, N.A. C+4.1 ★Texas Ratio: 26.20%	Conventional	1	0%	100%	$725,000	View
Sun West Mortgage Company, Inc	Conventional	1	0%	50%	$205,000
Texas Partners Bank	Conventional	1	0%	100%	$295,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0%	100%	$165,000	View
Securitynational Mortgage Company	Conventional	1	0%	100%	$105,000
Great Southern Bank A+5.0 ★Texas Ratio: 1.55%	Conventional	1	0%	100%	$455,000	View
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	FHA	1	0%	100%	$245,000	View
Cis Financial Services, Inc.	Conventional	1	0%	100%	$75,000
Evergreen Moneysource Mortgage Company	Conventional	1	0%	100%	$325,000
Capital Bank, N.A. A-5.0 ★Texas Ratio: 15.49%	FHA	1	0%	100%	$345,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0%	100%	$265,000	View
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional	1	0%	100%	$265,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0%	100%	$305,000	View
Franklin Loan Corporation	Conventional	1	0%	100%	$135,000
Castle & Cooke Mortgage, LLC	FHA	1	0%	100%	$215,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0%	100%	$125,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0%	100%	$175,000	View
Tib, National Association A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0%	33.3%	$65,000	View
Megastar Finanacial Corp	Conventional	1	0%	100%	$245,000
Firefighters First Federal Credit Union	Conventional	1	0%	100%	$235,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	FHA	1	0%	50%	$215,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$255,000
Citadel Servicing Corporation	Conventional	1	0%	100%	$355,000
First United Bank and Trust Co A5.0 ★Texas Ratio: 10.43%	VA	1	0%	100%	$145,000	View
Copper State Credit Union	Conventional	1	0%	100%	$145,000
Farm Credit Mid-America, Aca	Conventional	1	0%	100%	$425,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0%	100%	$355,000	View
Loan Simple, Inc.	FHA	1	0%	100%	$225,000
Lincoln Federal Svgs Bk of Ne A+5.0 ★Texas Ratio: 3.23%	Conventional	1	0%	100%	$375,000	View
Southwest Funding LP	VA	1	0%	50%	$725,000
Cake Mortgage Corp.	Conventional	1	0%	100%	$295,000
Figure Lending LLC	HELOC	0 +22 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +14 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Las Cruces Mortgage Rate Trends

Daily average mortgage rates for New Mexico compared with the national average, updated every evening.

30-Year Fixed NM Avg

7.405%

▲ 0.115 vs 7 days ago

15-Year Fixed NM Avg

6.857%

▲ 0.052 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Las Cruces, New Mexico

Looking for mortgage lenders near me or mortgage brokers near me in Las Cruces? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Las Cruces in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Las Cruces, NM

Use these to narrow the list above. Each category shows how many Las Cruces, NM lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 99 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 58 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 21 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 81 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 70 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 2 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NM 13 lenders headquartered in New Mexico, the closest thing to a mortgage lender near you

Who Lends in Las Cruces, NM

Independent mortgage companies closed 65.9 percent of home loans in Las Cruces, New Mexico in 2025, banks 26.5 percent and credit unions 7.6 percent. Rocket Mortgage was the largest mortgage company, Citizens Bank of Las Cruces the largest bank and White Sands Federal Credit Union the largest credit union. Among lenders headquartered in New Mexico, Citizens Bank of Las Cruces led with 222 loans.

65.9%

Mortgage companies

26.5%

Banks

7.6%

Credit unions

24%

FHA loans

17%

VA 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

All New Mexico lenders 442 lenders Albuquerque 254 lenders Rio Rancho 177 lenders Santa Fe 164 lenders Roswell 85 lenders Alamogordo 101 lenders Farmington 94 lenders Carlsbad 105 lenders Clovis 82 lenders Los Lunas 88 lenders South Valley 81 lenders Rio Rancho Estates 93 lenders Hobbs 62 lenders

Frequently Asked Questions About Mortgage Lenders in Las Cruces, NM

Who is the largest mortgage lender in Las Cruces, NM?

By home loans closed in 2025, Citizens Bank of Las Cruces was the largest mortgage lender in Las Cruces, New Mexico with 222 loans, about 8.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Las Cruces, NM have the highest approval rates?

Among lenders with meaningful volume in Las Cruces, New Mexico, Sun American Mortgage Company approved the highest share of completed applications in 2025 at 100 percent, against a 79.9 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.

Which Las Cruces, NM mortgage lenders offer FHA, VA and USDA loans?

81 lenders closed FHA loans in Las Cruces, New Mexico in 2025, led by United Wholesale Mortgage with 79. 70 lenders closed VA loans, led by United Wholesale Mortgage, 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.

Are credit unions and local banks included in this Las Cruces, NM lender list?

Yes. 58 banks and 21 credit unions closed home loans in Las Cruces, New Mexico in 2025, alongside 99 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.

How are mortgage lenders in Las Cruces, NM ranked on this page?

Lenders are ranked only by the number of home loans they closed in Las Cruces, 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 Las Cruces, 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 Las Cruces. 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.