Mortgage Lenders and Brokers in Ruidoso, 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
Ruidoso, New Mexico mortgage lenders include City BankCity Bank135 El Paso Rd, Ruidoso, NM 88345A+5.0 ★Texas Ratio: 1.71%, Wells Fargo Bank NAWells Fargo Bank NA401 Sudderth Dr, Ruidoso, NM 88345A+5.0 ★Texas Ratio: 5.36%, First Savings BankFirst Savings Bank2713 Sudderth Dr, Ruidoso, NM 88345A+5.0 ★Texas Ratio: 3.36%, PNC Bank N.A.PNC Bank N.A.1710 Sudderth Dr, Ruidoso, NM 88345A+5.0 ★Texas Ratio: 4.24%, Citizens Bank of Las CrucesCitizens Bank of Las Cruces7500 Jefferson St Ne, Albuquerque, NM 87109A+5.0 ★Texas Ratio: 3.19%, Nusenda Federal Credit UnionNusenda Federal Credit Union7517 Montgomery Blvd NE, Albuquerque, NM 87109A+5.0 ★Texas Ratio: 5.40%, US Bank, N.A.US Bank, N.A.7900 Jefferson St Ne, Albuquerque, NM 87109A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA4301 Wyoming Blvd Ne, Albuquerque, NM 87111A+5.0 ★Texas Ratio: 4.14%, Kirtland Federal Credit UnionKirtland Federal Credit Union6440 Gibson Blvd SE, Albuquerque, NM 87108A+5.0 ★Texas Ratio: 3.99%, and First American BankFirst American Bank1300 N White Sands Blvd, Alamogordo, NM 88310A+5.0 ★Texas Ratio: 3.00%. 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 Ruidoso, New Mexico in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ruidoso 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 Ruidoso, New Mexico
Market share is the lender's share of all home loans closed in Ruidoso, 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 Ruidoso 135 El Paso Rd, Ruidoso, NM 88345 A+5.0 ★Texas Ratio: 1.71% |
Conventional, FHA | 14 | 7.4% | 70% | $194,285 | View |
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1 office in Ruidoso 401 Sudderth Dr, Ruidoso, NM 88345 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.1% | 40% | $240,000 | View |
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1 office in Ruidoso 2713 Sudderth Dr, Ruidoso, NM 88345 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Ruidoso 1710 Sudderth Dr, Ruidoso, NM 88345 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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7500 Jefferson St Ne, Albuquerque, NM 87109 A+5.0 ★Texas Ratio: 3.19% |
Conventional, FHA | 3 | 1.6% | 100% | $148,333 | View |
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7517 Montgomery Blvd NE, Albuquerque, NM 87109 A+5.0 ★Texas Ratio: 5.40% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 100% | $330,000 | View |
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7900 Jefferson St Ne, Albuquerque, NM 87109 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.1% | 40% | $315,000 | View |
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4301 Wyoming Blvd Ne, Albuquerque, NM 87111 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $165,000 | View |
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6440 Gibson Blvd SE, Albuquerque, NM 87108 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.5% | 100% | $115,000 | View |
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1300 N White Sands Blvd, Alamogordo, NM 88310 A+5.0 ★Texas Ratio: 3.00% |
Conventional | 1 | 0.5% | 100% | $575,000 | View |
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9261 Coors Blvd Nw, Albuquerque, NM 87114 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 27 | 14.4% | 72.5% | $200,555 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 24 +1 HELOCs |
12.8% | 82.8% | $299,166 | |
Kind Lending, LLC
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Conventional, VA, USDA | 11 | 5.9% | 91.7% | $229,545 | |
Nationstar Mortgage
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Conventional, FHA | 8 | 4.3% | 88.9% | $246,250 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 3.2% | 100% | $248,333 | |
Mortgage Research Center
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VA, Jumbo | 5 | 2.7% | 100% | $609,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 4 | 2.1% | 100% | $287,500 | |
HomeXpress Mortgage Corp.
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Conventional | 3 | 1.6% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.6% | 75% | $338,333 | View |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.6% | 75% | $225,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.6% | 100% | $375,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 1.6% | 42.9% | $121,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.1% | 100% | $325,000 | View |
Primary Residential Mortgage, INC.
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Conventional | 2 | 1.1% | 100% | $265,000 | |
Canopy Mortgage, LLC
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Conventional | 2 | 1.1% | 66.7% | $340,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 1.1% | 100% | $235,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 2 | 1.1% | 100% | $250,000 | |
Evergreen Moneysource Mortgage Company
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Conventional | 2 | 1.1% | 100% | $95,000 | |
Gecu
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Conventional | 2 | 1.1% | 100% | $275,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 1.1% | 100% | $400,000 | |
Geneva Financial LLC
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Conventional | 2 | 1.1% | 100% | $355,000 | |
The Loan Store, Inc
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Conventional | 2 | 1.1% | 100% | $275,000 | |
21St Mortgage
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Conventional | 2 | 1.1% | 20% | $135,000 | |
Spring Eq, LLC
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Conventional | 2 | 1.1% | 100% | $45,000 | |
Amerisave Mortgage Company
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 25% | $45,000 | |
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A5.0 ★Texas Ratio: 9.89% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
Primelending
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VA | 1 | 0.5% | 100% | $145,000 | |
Gold Star Mortgage Financial Group, Corporation
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VA | 1 | 0.5% | 100% | $715,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.5% | 50% | $65,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Raiz Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Nbkc Bank
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Conventional | 1 | 0.5% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $295,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.5% | 33.3% | $105,000 | |
United Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.01% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
Guild Mortgage Company
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Conventional | 1 | 0.5% | 50% | $225,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.5% | 100% | $145,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,075,000 | View |
Firstlight Federal Credit Unio
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Conventional | 1 | 0.5% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 100% | $495,000 | View |
First National Bank Mortgage
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Conventional | 1 | 0.5% | 100% | $275,000 | |
Bank Fund Staff Federal Credit
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Conventional | 1 | 0.5% | 100% | $525,000 | |
Genco Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $365,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.5% | 100% | $235,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Nfm, Inc
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Conventional | 1 | 0.5% | 100% | $255,000 | |
New Day Financial, LLC.
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VA | 1 | 0.5% | 100% | $335,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $205,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.5% | 50% | $475,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 12.55% |
Conventional | 1 | 0.5% | 100% | $345,000 | View |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $305,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
Texas Tech Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $145,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $315,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Fairway Independent Mort Corp
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VA | 1 | 0.5% | 50% | $565,000 | |
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A+5.0 ★Texas Ratio: 3.74% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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A+5.0 ★Texas Ratio: 4.03% |
Conventional | 1 | 0.5% | 100% | $495,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.5% | 100% | $395,000 | |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ruidoso 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 Ruidoso, New Mexico
Looking for mortgage lenders near me or mortgage brokers near me in Ruidoso? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ruidoso in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ruidoso, NM
Use these to narrow the list above. Each category shows how many Ruidoso, NM lenders fit and what that kind of lender is usually best for.
Who Lends in Ruidoso, NM
Independent mortgage companies closed 73.4 percent of home loans in Ruidoso, New Mexico in 2025, banks 19.1 percent and credit unions 7.4 percent. Rocket Mortgage was the largest mortgage company, City Bank the largest bank and Nusenda Federal Credit Union the largest credit union. Among lenders headquartered in New Mexico, Citizens Bank of Las Cruces led with 3 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 Ruidoso, NM
By home loans closed in 2025, City Bank was the largest mortgage lender in Ruidoso, New Mexico with 14 loans, about 7.4 percent of the market. The largest lender headquartered in New Mexico was Citizens Bank of Las Cruces with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Ruidoso, New Mexico in 2025, led by United Wholesale Mortgage with 9. 9 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. 22 banks and 10 credit unions closed home loans in Ruidoso, New Mexico in 2025, alongside 42 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 Ruidoso, 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 Ruidoso, 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 Ruidoso. 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.
