Mortgage Lenders and Brokers in Ruidoso Downs, 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 Downs, New Mexico mortgage lenders include Citizens Bank of Las CrucesCitizens Bank of Las Cruces7500 Jefferson St Ne, Albuquerque, NM 87109A+5.0 ★Texas Ratio: 3.19%, City BankCity Bank135 El Paso Rd, Ruidoso, NM 88345A+5.0 ★Texas Ratio: 1.71%, First American BankFirst American Bank1300 N White Sands Blvd, Alamogordo, NM 88310A+5.0 ★Texas Ratio: 3.00%, First Savings BankFirst Savings Bank500 9th St, Alamogordo, NM 88310A+5.0 ★Texas Ratio: 3.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA9261 Coors Blvd Nw, Albuquerque, NM 87114A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA4301 Wyoming Blvd Ne, Albuquerque, NM 87111A+5.0 ★Texas Ratio: 4.14%, White Sands Federal Credit UnionWhite Sands Federal Credit Union2755 N Main St, Las Cruces, NM 88001 1149A+5.0 ★Texas Ratio: 0.43%, Bokf NABokf NA3301 Coors Blvd Nw, Albuquerque, NM 87120A+5.0 ★Texas Ratio: 1.05%, Bank of the SouthwestBank of the Southwest920 N 1st St, Bloomfield, NM 87413A5.0 ★Texas Ratio: 7.62%, and PNC Bank N.A.PNC Bank N.A.600 9th St, Alamogordo, NM 88310A+5.0 ★Texas Ratio: 4.24%. 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 Downs, New Mexico in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ruidoso Downs 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 Downs, New Mexico
Market share is the lender's share of all home loans closed in Ruidoso Downs, 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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7500 Jefferson St Ne, Albuquerque, NM 87109 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 3 | 2.9% | 100% | $341,666 | View |
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135 El Paso Rd, Ruidoso, NM 88345 A+5.0 ★Texas Ratio: 1.71% |
Conventional | 3 | 2.9% | 60% | $218,333 | View |
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1300 N White Sands Blvd, Alamogordo, NM 88310 A+5.0 ★Texas Ratio: 3.00% |
Conventional, Jumbo | 3 | 2.9% | 100% | $518,333 | View |
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500 9th St, Alamogordo, NM 88310 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 2 | 1.9% | 100% | $120,000 | View |
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9261 Coors Blvd Nw, Albuquerque, NM 87114 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 100% | $395,000 | View |
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4301 Wyoming Blvd Ne, Albuquerque, NM 87111 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 1 | 1% | 100% | $835,000 | View |
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2755 N Main St, Las Cruces, NM 88001 1149 A+5.0 ★Texas Ratio: 0.43% |
Conventional, Jumbo | 1 | 1% | 100% | $1,365,000 | View |
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3301 Coors Blvd Nw, Albuquerque, NM 87120 A+5.0 ★Texas Ratio: 1.05% |
Conventional, Jumbo | 1 | 1% | 50% | $1,025,000 | View |
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920 N 1st St, Bloomfield, NM 87413 A5.0 ★Texas Ratio: 7.62% |
Conventional | 1 | 1% | 100% | $165,000 | 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% | 100% | $95,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 14.3% | 88.2% | $367,000 | |
Rocket Mortgage
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Conventional, FHA | 10 | 9.5% | 68.8% | $240,000 | |
Kind Lending, LLC
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Conventional, FHA, VA, USDA | 7 | 6.7% | 70% | $257,857 | |
Nationstar Mortgage
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Conventional | 4 | 3.8% | 80% | $175,000 | |
21St Mortgage
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Conventional | 4 | 3.8% | 36.4% | $177,500 | |
Nations Lending Corporation
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Conventional, FHA, Jumbo | 3 | 2.9% | 100% | $445,000 | |
Mortgage Research Center
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VA | 3 | 2.9% | 100% | $481,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.9% | 100% | $445,000 | View |
Pennymac Loan Services LLC
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Conventional | 2 | 1.9% | 50% | $410,000 | |
AdvantageFirst Lending Inc
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Conventional, VA | 2 | 1.9% | 100% | $240,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.9% | 100% | $405,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.9% | 100% | $385,000 | |
Alliance Credit Union
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Conventional | 1 | 1% | 100% | $605,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 1% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 4.93% |
Conventional, Jumbo | 1 | 1% | 100% | $905,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 1% | 100% | $405,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 1% | 50% | $275,000 | |
Countryplace Mortgage, Ltd.
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FHA | 1 | 1% | 100% | $235,000 | |
NOVA Financial & Investment Corporation
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VA | 1 | 1% | 100% | $255,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 1% | 100% | $445,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.33% |
Conventional | 1 | 1% | 100% | $545,000 | View |
Advancial Federal Credit Union
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Conventional | 1 | 1% | 100% | $205,000 | |
loanDepot.com LLC
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VA | 1 | 1% | 50% | $425,000 | |
Guild Mortgage Company
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Conventional | 1 | 1% | 100% | $405,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 1% | 100% | $755,000 | |
Cmg Mortgage Inc
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FHA | 1 | 1% | 100% | $295,000 | |
Click n' Close, Inc.
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FHA | 1 | 1% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 1 | 1% | 100% | $1,655,000 | View |
Servis One, Inc
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Conventional | 1 | 1% | 100% | $185,000 | |
Premier Lending Inc.
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FHA | 1 | 1% | 100% | $265,000 | |
Planet Home Lending, LLC
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FHA | 1 | 1% | 100% | $105,000 | |
T2 Financial LLC
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Conventional | 1 | 1% | 100% | $295,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 1% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 100% | $315,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 1.58% |
Conventional, Jumbo | 1 | 1% | 100% | $845,000 | View |
Better Mortgage Corporation
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Conventional, Jumbo | 1 | 1% | 100% | $1,055,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 1% | 100% | $495,000 | View |
Veritas Funding, LLC
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VA | 1 | 1% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1% | 100% | $95,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo | 1 | 1% | 100% | $1,285,000 | |
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A+5.0 ★Texas Ratio: 4.03% |
Conventional | 1 | 1% | 100% | $695,000 | View |
Village Capital & Investment
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VA | 1 | 1% | 100% | $105,000 | |
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A5.0 ★Texas Ratio: 6.66% |
Conventional, Jumbo | 1 | 1% | 100% | $965,000 | View |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a |
Ruidoso Downs 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 Downs, New Mexico
Looking for mortgage lenders near me or mortgage brokers near me in Ruidoso Downs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ruidoso Downs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ruidoso Downs, NM
Use these to narrow the list above. Each category shows how many Ruidoso Downs, NM lenders fit and what that kind of lender is usually best for.
Who Lends in Ruidoso Downs, NM
Independent mortgage companies closed 73.3 percent of home loans in Ruidoso Downs, New Mexico in 2025, banks 23.8 percent and credit unions 2.9 percent. United Wholesale 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 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 Downs, NM
By home loans closed in 2025, Citizens Bank of Las Cruces was the largest mortgage lender in Ruidoso Downs, New Mexico with 3 loans, about 2.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Ruidoso Downs, New Mexico in 2025, led by United Wholesale Mortgage with 2. 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. 18 banks and 3 credit unions closed home loans in Ruidoso Downs, 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 Ruidoso Downs, 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 Downs, 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 Downs. 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.
