Mortgage Lenders and Brokers in Raton, 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
Raton, New Mexico mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1103 S 2nd St, Raton, NM 87740A+5.0 ★Texas Ratio: 5.36%, Umb Bank NAUmb Bank NA1104 S 2nd St, Raton, NM 87740A+5.0 ★Texas Ratio: 1.78%, State Employees Credit UnionState Employees Credit Union3521 Montgomery Blvd NE, Albuquerque, NM 87107C+4.1 ★Texas Ratio: 26.01%, Del Norte Credit UnionDel Norte Credit Union1216 N Paseo de Onate, Espanola, NM 87532A+5.0 ★Texas Ratio: 3.00%, PNC Bank N.A.PNC Bank N.A.600 9th St, Alamogordo, NM 88310A+5.0 ★Texas Ratio: 4.24%, Rocket Mortgage, Guild Mortgage Company, Evergreen Moneysource Mortgage Company, Mortgage Research Center, and Newrez LLC. 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 Raton, New Mexico in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Raton 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 Raton, New Mexico
Market share is the lender's share of all home loans closed in Raton, 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 Raton 1103 S 2nd St, Raton, NM 87740 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 2.7% | 100% | $135,000 | View |
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1 office in Raton 1104 S 2nd St, Raton, NM 87740 A+5.0 ★Texas Ratio: 1.78% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $55,000 | View |
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3521 Montgomery Blvd NE, Albuquerque, NM 87107 C+4.1 ★Texas Ratio: 26.01% |
Conventional | 1 | 1.4% | 100% | $25,000 | View |
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1216 N Paseo de Onate, Espanola, NM 87532 A+5.0 ★Texas Ratio: 3.00% |
Conventional | 1 | 1.4% | 100% | $105,000 | View |
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★ 1.7 stars, 3 reviews 600 9th St, Alamogordo, NM 88310 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 1.4% | 100% | $65,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 16 | 21.6% | 72.7% | $148,125 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 13 | 17.6% | 92.9% | $148,846 | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA, VA | 7 | 9.5% | 100% | $159,285 | |
Mortgage Research Center
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Conventional, VA | 6 | 8.1% | 100% | $156,666 | |
Newrez LLC
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FHA, VA | 3 | 4.1% | 75% | $218,333 | |
United Wholesale Mortgage
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Conventional | 2 | 2.7% | 75% | $120,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 2.7% | 66.7% | $195,000 | |
Nationstar Mortgage
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Conventional | 2 | 2.7% | 66.7% | $150,000 | |
Servion
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Conventional | 1 | 1.4% | 100% | $95,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.4% | 50% | $315,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 1.4% | 100% | $105,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.4% | 100% | $155,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 1.4% | 66.7% | $195,000 | |
AmWest Funding Corp
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Conventional | 1 | 1.4% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.4% | 100% | $115,000 | View |
Cmg Mortgage Inc
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VA | 1 | 1.4% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
VA | 1 | 1.4% | 100% | $125,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 1.4% | 100% | $75,000 | |
Planet Home Lending, LLC
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VA | 1 | 1.4% | 100% | $215,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 1.4% | 100% | $175,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 1.4% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 1.4% | 100% | $135,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.4% | 100% | $145,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
USDA | 1 | 1.4% | 100% | $175,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.4% | 100% | $195,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Raton 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 Raton, New Mexico
Looking for mortgage lenders near me or mortgage brokers near me in Raton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Raton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Raton, NM
Use these to narrow the list above. Each category shows how many Raton, NM lenders fit and what that kind of lender is usually best for.
Who Lends in Raton, NM
Independent mortgage companies closed 86.5 percent of home loans in Raton, New Mexico in 2025, banks 9.5 percent and credit unions 4.1 percent. Rocket Mortgage was the largest mortgage company, Wells Fargo Bank NA the largest bank and State Employees Credit Union the largest credit union. Among lenders headquartered in New Mexico, State Employees Credit Union 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 Raton, NM
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Raton, New Mexico with 2 loans, about 2.7 percent of the market. The largest lender headquartered in New Mexico was State Employees Credit Union with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Raton, New Mexico in 2025, led by Guild Mortgage Company with 4. 10 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 7 banks and 4 credit unions closed home loans in Raton, New Mexico in 2025, alongside 22 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 Raton, 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 Raton, 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 Raton. 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.
