Mortgage Lenders and Brokers in Los Alamos, 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
Los Alamos, New Mexico mortgage lenders include Sunflower Bank, N.A.Sunflower Bank, N.A.1910 Trinity Dr, Los Alamos, NM 87544A5.0 ★Texas Ratio: 10.77%, Del Norte Credit UnionDel Norte Credit Union1000 Trinity Dr, Los Alamos, NM 87544A+5.0 ★Texas Ratio: 3.00%, Enterprise Bank & TrustEnterprise Bank & Trust1200 Trinity Dr, Los Alamos, NM 87544A5.0 ★Texas Ratio: 7.31%, Umb Bank NAUmb Bank NA1475 Central Ave, Los Alamos, NM 87544A+5.0 ★Texas Ratio: 1.78%, Bokf NABokf NA3301 Coors Blvd Nw, Albuquerque, NM 87120A+5.0 ★Texas Ratio: 1.05%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA9261 Coors Blvd Nw, Albuquerque, NM 87114A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1109 New York Ave, Alamogordo, NM 88310A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.7900 Jefferson St Ne, Albuquerque, NM 87109A+5.0 ★Texas Ratio: 2.85%, Nusenda Federal Credit UnionNusenda Federal Credit Union7517 Montgomery Blvd NE, Albuquerque, NM 87109A+5.0 ★Texas Ratio: 5.40%, and State Employees Credit UnionState Employees Credit Union3521 Montgomery Blvd NE, Albuquerque, NM 87107C+4.1 ★Texas Ratio: 26.01%. 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 Los Alamos, New Mexico in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Los Alamos 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 Los Alamos, New Mexico
Market share is the lender's share of all home loans closed in Los Alamos, 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 Los Alamos 1910 Trinity Dr, Los Alamos, NM 87544 A5.0 ★Texas Ratio: 10.77% |
Conventional, FHA, VA, Jumbo | 44 | 14.7% | 93.6% | $458,636 | View |
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1000 Trinity Dr, Los Alamos, NM 87544 A+5.0 ★Texas Ratio: 3.00% |
Conventional | 40 | 13.4% | 93% | $309,250 | View |
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1 office in Los Alamos 1200 Trinity Dr, Los Alamos, NM 87544 A5.0 ★Texas Ratio: 7.31% |
Conventional | 10 | 3.3% | 78.6% | $464,000 | View |
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1 office in Los Alamos 1475 Central Ave, Los Alamos, NM 87544 A+5.0 ★Texas Ratio: 1.78% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $145,000 | View |
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3301 Coors Blvd Nw, Albuquerque, NM 87120 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 8 | 2.7% | 88.9% | $385,000 | View |
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9261 Coors Blvd Nw, Albuquerque, NM 87114 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 1.3% | 100% | $362,500 | View |
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1109 New York Ave, Alamogordo, NM 88310 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1.3% | 100% | $555,000 | View |
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7900 Jefferson St Ne, Albuquerque, NM 87109 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.7% | 66.7% | $755,000 | View |
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7517 Montgomery Blvd NE, Albuquerque, NM 87109 A+5.0 ★Texas Ratio: 5.40% |
Conventional | 2 | 0.7% | 66.7% | $315,000 | View |
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3521 Montgomery Blvd NE, Albuquerque, NM 87107 C+4.1 ★Texas Ratio: 26.01% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $755,000 | View |
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6440 Gibson Blvd SE, Albuquerque, NM 87108 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.3% | 100% | $685,000 | View |
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4301 Wyoming Blvd Ne, Albuquerque, NM 87111 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
Waterstone Mortgage Corporation
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Conventional, FHA, VA | 57 | 19.1% | 100% | $382,894 | |
Rocket Mortgage
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Conventional, VA, Jumbo | 26 | 8.7% | 79.4% | $343,076 | |
United Wholesale Mortgage
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Conventional, VA | 10 | 3.3% | 100% | $460,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 2.3% | 100% | $445,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
2% | 85.7% | $538,333 | |
21St Mortgage
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Conventional | 6 | 2% | 40% | $123,333 | |
Mortgage Research Center
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FHA, VA | 4 | 1.3% | 80% | $570,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 4 | 1.3% | 100% | $565,000 | |
Sage Home Loans Corporation
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Conventional | 3 | 1% | 100% | $528,333 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, VA | 3 | 1% | 100% | $428,333 | View |
Guild Mortgage Company
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Conventional, VA | 3 | 1% | 100% | $391,666 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 1% | 75% | $378,333 | View |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.7% | 66.7% | $175,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.7% | 100% | $325,000 | |
Nbkc Bank
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Conventional | 2 | 0.7% | 66.7% | $520,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 0.7% | 100% | $195,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.7% | 100% | $625,000 | |
Homestead Funding Corp.
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Conventional, VA, Jumbo | 2 | 0.7% | 100% | $750,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 2 | 0.7% | 100% | $650,000 | View |
Builders Choice Mortgage LLC
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Conventional, VA, Jumbo | 2 | 0.7% | 100% | $720,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.7% | 100% | $545,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.7% | 100% | $255,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.7% | 100% | $770,000 | |
Summit Funding.Inc
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Conventional | 2 | 0.7% | 100% | $380,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.7% | 100% | $475,000 | |
Village Capital & Investment
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VA, Jumbo | 2 | 0.7% | 100% | $775,000 | |
Everett Financial, Inc.
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FHA | 1 | 0.3% | 100% | $635,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 25% | $435,000 | |
Newrez LLC
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VA | 1 | 0.3% | 100% | $675,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.3% | 100% | $585,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $455,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.3% | 100% | $455,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 100% | $635,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 16.7% | $75,000 | |
Aaxy LLC
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Conventional | 1 | 0.3% | 100% | $615,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.3% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 0.3% | 50% | $435,000 | View |
Uniwyo Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $345,000 | |
Digital Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $135,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $795,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $535,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $555,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $435,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
Top Flite Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $445,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.16% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Los Alamos 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 Los Alamos, New Mexico
Looking for mortgage lenders near me or mortgage brokers near me in Los Alamos? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Los Alamos in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Los Alamos, NM
Use these to narrow the list above. Each category shows how many Los Alamos, NM lenders fit and what that kind of lender is usually best for.
Who Lends in Los Alamos, NM
Independent mortgage companies closed 33.4 percent of home loans in Los Alamos, New Mexico in 2025, banks 48.8 percent and credit unions 17.7 percent. Rocket Mortgage was the largest mortgage company, Sunflower Bank, N.A. the largest bank and Del Norte Credit Union the largest credit union. Among lenders headquartered in New Mexico, Del Norte Credit Union led with 40 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 Los Alamos, NM
By home loans closed in 2025, Sunflower Bank, N.A. was the largest mortgage lender in Los Alamos, New Mexico with 44 loans, about 14.7 percent of the market. The largest lender headquartered in New Mexico was Del Norte Credit Union with 40 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Los Alamos, New Mexico, Waterstone Mortgage Corporation approved the highest share of completed applications in 2025 at 100 percent, against a 87.7 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.
6 lenders closed FHA loans in Los Alamos, New Mexico in 2025, led by Sunflower Bank, N.A. with 2. 19 lenders closed VA loans, led by Waterstone Mortgage Corporation. 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. 20 banks and 10 credit unions closed home loans in Los Alamos, New Mexico in 2025, alongside 34 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 Los Alamos, 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 Los Alamos, 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 Los Alamos. 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.
