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Mortgage Lenders and Brokers in Santa Fe, New Mexico

Content reviewed by

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

Santa Fe, New Mexico mortgage lenders include Sunflower Bank, N.A.Sunflower Bank, N.A.516 W Cordova Rd, Santa Fe, NM 87505A5.0 ★Texas Ratio: 10.77%, State Employees Credit UnionState Employees Credit Union813 Saint Michaels Dr, Santa Fe, NM 87505 7607C+4.1 ★Texas Ratio: 26.01%, Bokf NABokf NA706 Saint Michaels Dr, Santa Fe, NM 87505A+5.0 ★Texas Ratio: 1.05%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2002 Cerrillos Rd, Santa Fe, NM 87505A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA3 W Gutierrez, Santa Fe, NM 87506A+5.0 ★Texas Ratio: 5.36%, Guadalupe Credit UnionGuadalupe Credit Union3601 Mimbres Ln, Santa Fe, NM 87507 2891A5.0 ★Texas Ratio: 7.15%, Bank of America NABank of America NA101 Paseo De Peralta, Santa Fe, NM 87501A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.9 W Gutierrez, Santa Fe, NM 87506A+5.0 ★Texas Ratio: 2.85%, Enterprise Bank & TrustEnterprise Bank & Trust3674 Cerrillos Rd, Santa Fe, NM 87507A5.0 ★Texas Ratio: 7.31%, and Umb Bank NAUmb Bank NA1549 Paseo De Peralta, Santa Fe, NM 87501A+5.0 ★Texas Ratio: 1.78%. 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 Santa Fe, New Mexico in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Fe 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 Santa Fe, New Mexico

Market share is the lender's share of all home loans closed in Santa Fe, 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
Sunflower Bank, N.A. 5 offices in Santa Fe 516 W Cordova Rd, Santa Fe, NM 87505 A5.0 ★Texas Ratio: 10.77%	Conventional, FHA, VA, Jumbo	88	5.4%	97.8%	$438,636	View
State Employees Credit Union 813 Saint Michaels Dr, Santa Fe, NM 87505 7607 C+4.1 ★Texas Ratio: 26.01%	Conventional, HELOC	57 +33 HELOCs	3.5%	84.5%	$148,333	View
Bokf NA 1 office in Santa Fe 706 Saint Michaels Dr, Santa Fe, NM 87505 A+5.0 ★Texas Ratio: 1.05%	Conventional, FHA, Jumbo, HELOC	30 +14 HELOCs	1.9%	97%	$437,666	View
JPMorgan Chase Bank, NA 1 office in Santa Fe 2002 Cerrillos Rd, Santa Fe, NM 87505 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	29 +2 HELOCs	1.8%	83.8%	$659,482	View
Wells Fargo Bank NA 5 offices in Santa Fe 3 W Gutierrez, Santa Fe, NM 87506 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	25	1.5%	80.6%	$433,400	View
Guadalupe Credit Union 3601 Mimbres Ln, Santa Fe, NM 87507 2891 A5.0 ★Texas Ratio: 7.15%	Conventional	19	1.2%	100%	$198,684	View
Bank of America NA 3 offices in Santa Fe 101 Paseo De Peralta, Santa Fe, NM 87501 A+5.0 ★Texas Ratio: 4.14%	Conventional, VA, Jumbo, HELOC	14 +14 HELOCs	0.9%	82.4%	$800,000	View
US Bank, N.A. 3 offices in Santa Fe 9 W Gutierrez, Santa Fe, NM 87506 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	10 +8 HELOCs	0.6%	58.8%	$505,000	View
Enterprise Bank & Trust 3 offices in Santa Fe 3674 Cerrillos Rd, Santa Fe, NM 87507 A5.0 ★Texas Ratio: 7.31%	Conventional	7	0.4%	63.6%	$270,714	View
Umb Bank NA 2 offices in Santa Fe 1549 Paseo De Peralta, Santa Fe, NM 87501 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	4 +7 HELOCs	0.2%	57.1%	$297,500	View
First Ciitizens Bank and Trust 1 office in Santa Fe 700 Paseo De Peralta, Santa Fe, NM 87501 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +2 HELOCs	0%	n/a		View
Del Norte Credit Union 3286 Cerrillos Rd, Santa Fe, NM 87507 A+5.0 ★Texas Ratio: 3.00%	Conventional, Jumbo	95	5.9%	81.5%	$213,842	View
Nusenda Federal Credit Union 1710 Saint Michaels Dr, Santa Fe, NM 87505 7617 A+5.0 ★Texas Ratio: 5.40%	Conventional, FHA, VA, HELOC	91 +23 HELOCs	5.6%	88.2%	$260,274	View
Sunward 3707 Juan Tabo Blvd NE, Albuquerque, NM 87111 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	7 +8 HELOCs	0.4%	70%	$409,285	View
Kirtland Federal Credit Union 6440 Gibson Blvd SE, Albuquerque, NM 87108 A+5.0 ★Texas Ratio: 3.99%	Conventional, HELOC	6 +2 HELOCs	0.4%	75%	$321,666	View
U.S. Eagle Federal Credit Union 559 W Cordova Rd, Santa Fe, NM 87505 F2.6 ★Texas Ratio: 44.42%	Conventional, HELOC	4 +3 HELOCs	0.2%	66.7%	$52,500	View
Zions Bancorporation, N.A. 2000 E 20th St, Farmington, NM 87401 A+5.0 ★Texas Ratio: 3.72%	Conventional	2	0.1%	100%	$520,000	View
BMO Harris Bank NA 500 Marquette Ave Nw, Albuquerque, NM 87102 A+5.0 ★Texas Ratio: 3.54%	Conventional	2	0.1%	100%	$755,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 600 9th St, Alamogordo, NM 88310 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +10 HELOCs	0.1%	100%	$405,000	View
Citizens Bank of Las Cruces 7500 Jefferson St Ne, Albuquerque, NM 87109 A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$285,000	View
Rio Grande Credit Union 301 Rio Bravo Blvd SE, Albuquerque, NM 87105 A+5.0 ★Texas Ratio: 5.38%	Conventional	1	0.1%	100%	$255,000	View
NBH Bank 2155 Louisiana Blvd Ne, Albuquerque, NM 87110 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	1	0.1%	100%	$965,000	View
Sandia Area Federal Credit Uni	Conventional	25	1.5%	73.5%	$98,200
Rocket Mortgage	Conventional, FHA, VA, Jumbo	125	7.7%	76.4%	$261,160
Waterstone Mortgage Corporation	Conventional, FHA, VA, Jumbo	104	6.4%	99%	$385,480
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	76 +5 HELOCs	4.7%	86.5%	$423,552
Nations Lending Corporation	Conventional, FHA, VA, Jumbo	54	3.3%	100%	$478,703
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	52	3.2%	96.6%	$402,884
Pulte Mortgage LLC	Conventional, VA	51	3.2%	88.1%	$482,450
DHI Mortgage Company, LTD.	Conventional, FHA, VA	51	3.2%	68%	$455,392
CrossCountry Mortgage, LLC	Conventional, FHA, VA	47	2.9%	96%	$412,234
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	25 +2 HELOCs	1.5%	96.2%	$345,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	24 +2 HELOCs	1.5%	64.9%	$322,500
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, Jumbo, HELOC	23 +1 HELOCs	1.4%	82.1%	$452,826	View
21St Mortgage	Conventional	22	1.4%	60.5%	$143,181
Plaza Home Mortgage, Inc	Conventional, VA, Jumbo	21	1.3%	91.3%	$505,476
Freedom Mortgage Corporation	Conventional, FHA, VA	18	1.1%	80%	$440,555
Pennymac Loan Services LLC	Conventional, FHA, VA	18	1.1%	85.7%	$226,111
Summit Funding.Inc	Conventional, VA	16	1%	86.4%	$296,250
Guaranteed Rate, Inc.	Conventional, FHA, Jumbo, HELOC	14 +1 HELOCs	0.9%	100%	$386,428
New American Funding, LLC.	Conventional, FHA, VA, HELOC	13 +1 HELOCs	0.8%	72.2%	$324,230
Mortgage Research Center	Conventional, VA	13	0.8%	77.8%	$410,384
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	13	0.8%	100%	$447,307	View
Newrez LLC	Conventional, VA	12	0.7%	61.9%	$321,666
Nationstar Mortgage	Conventional, VA	12	0.7%	80%	$152,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	11 +4 HELOCs	0.7%	85.7%	$396,818
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	11	0.7%	91.7%	$478,636	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	11	0.7%	100%	$974,090	View
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo, HELOC	10 +1 HELOCs	0.6%	100%	$1,282,000	View
Builders Choice Mortgage LLC	Conventional, FHA, VA, Jumbo	9	0.6%	90%	$412,777
Mutual of Omaha Mortgage	Conventional, FHA, VA	9	0.6%	81.8%	$297,222
Amerisave Mortgage Company	Conventional, FHA	8	0.5%	25.8%	$148,750
Spring Eq, LLC	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.4%	53.3%	$177,857
Primary Residential Mortgage, INC.	Conventional, FHA	7	0.4%	87.5%	$460,714
Fairway Independent Mort Corp	Conventional	7	0.4%	87.5%	$340,714
Cmg Mortgage Inc	Conventional, FHA, VA, HELOC	6 +1 HELOCs	0.4%	100%	$401,666
Primelending	Conventional, VA, Jumbo	6	0.4%	100%	$620,000
Lakeview Loan Servicing, LLC	Conventional, VA	6	0.4%	70%	$285,000
Nbkc Bank	Conventional, VA, Jumbo	6	0.4%	75%	$551,666
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.4%	60%	$215,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	5	0.3%	83.3%	$293,000	View
AdvantageFirst Lending Inc	Conventional, FHA, VA	5	0.3%	100%	$341,000
New Day Financial, LLC.	VA	5	0.3%	50%	$349,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	4	0.2%	100%	$515,000	View
Directors Mortgage, Inc	Conventional, VA	4	0.2%	100%	$147,500
American Financial Network, Inc.	Conventional, FHA	4	0.2%	100%	$405,000
Better Mortgage Corporation	Conventional, Jumbo	4	0.2%	57.1%	$340,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	4	0.2%	80%	$367,500	View
The Loan Store, Inc	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$615,000
Amarillo National Bank A5.0 ★Texas Ratio: 9.89%	Conventional	3	0.2%	100%	$605,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional, VA	3	0.2%	100%	$428,333
Sage Home Loans Corporation	Conventional	3	0.2%	75%	$478,333
Kind Lending, LLC	Conventional	3	0.2%	100%	$445,000
Discover Bank	Conventional	3	0.2%	18.8%	$91,666
Click n' Close, Inc.	Conventional, FHA	3	0.2%	100%	$295,000
Lendsure Mortgage Corp.	Conventional	3	0.2%	100%	$418,333
American Pacific Mortgage Corporation	Conventional, Jumbo	3	0.2%	75%	$585,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.2%	100%	$401,666	View
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	3	0.2%	100%	$765,000	View
Village Capital & Investment	FHA, VA	3	0.2%	100%	$561,666
Alliant Credit Union	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$310,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.1%	100%	$750,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	100%	$870,000	View
American Financial Resources LLC	Conventional	2	0.1%	100%	$470,000
AmeriHome Mortgage Company, LLC	Conventional, VA, Jumbo	2	0.1%	100%	$690,000
Movement Mortgage, LLC	Conventional	2	0.1%	100%	$340,000
Advancial Federal Credit Union	Conventional	2	0.1%	100%	$495,000
Ocmbc, Inc.	Conventional	2	0.1%	100%	$500,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	2	0.1%	100%	$635,000
HomeBridge Financial Services, Inc	Conventional	2	0.1%	100%	$705,000
Geneva Financial LLC	Conventional, Jumbo	2	0.1%	100%	$755,000
Churchill Mortgage Corporation	Conventional, Jumbo	2	0.1%	100%	$715,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	2	0.1%	100%	$445,000	View
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA, Jumbo	2	0.1%	100%	$930,000	View
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	2	0.1%	66.7%	$340,000
Zillow Home Loans, LLC	Conventional	2	0.1%	100%	$390,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	2	0.1%	100%	$1,750,000	View
Carrington Mortgage Services LLC	Conventional	2	0.1%	37.5%	$200,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.1%	100%	$610,000	View
Goodleap, LLC	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$375,000
Quorum Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$95,000
Bank Fund Staff Federal Credit	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$165,000
Pentagon Federal Credit Union	VA, Jumbo, HELOC	1 +1 HELOCs	0.1%	33.3%	$1,605,000
Alliance Credit Union	Conventional	1	0.1%	100%	$765,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	50%	$515,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$805,000	View
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$525,000
First Western Trust Bank A+5.0 ★Texas Ratio: 5.16%	Conventional, Jumbo	1	0.1%	100%	$1,005,000	View
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0.1%	50%	$505,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$1,105,000	View
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0.1%	100%	$405,000	View
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$725,000	View
Greenstate Credit Union	Conventional	1	0.1%	100%	$435,000
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	Conventional	1	0.1%	50%	$285,000	View
NOVA Financial & Investment Corporation	Conventional	1	0.1%	100%	$105,000
Envoy Mortgage, Ltd	FHA	1	0.1%	100%	$525,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$355,000
Equity Prime Mortgage LLC	FHA	1	0.1%	50%	$375,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$585,000	View
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$245,000
Tower Federal Credit Union	Conventional	1	0.1%	100%	$525,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$645,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$545,000	View
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$105,000
Synergy One Lending, Inc.	VA	1	0.1%	100%	$305,000
First State Bank A+5.0 ★Texas Ratio: 4.58%	Conventional	1	0.1%	100%	$505,000	View
Valley West Corporation	FHA	1	0.1%	100%	$445,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	FHA	1	0.1%	100%	$545,000	View
Michigan Mutual, Inc	VA	1	0.1%	100%	$425,000
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$485,000
Network Funding, L.P.	Conventional	1	0.1%	100%	$255,000
ClearPath Lending	VA	1	0.1%	100%	$315,000
myCUmortgage	FHA	1	0.1%	33.3%	$205,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$455,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	100%	$455,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$305,000	View
Cardinal Financial Company, Li	Conventional	1	0.1%	33.3%	$275,000
Access Bank A+5.0 ★Texas Ratio: 3.62%	Conventional	1	0.1%	100%	$435,000	View
Susser Bank A+5.0 ★Texas Ratio: 3.02%	Conventional	1	0.1%	100%	$605,000	View
Peoples Mortgage Company	FHA	1	0.1%	100%	$405,000
Planet Home Lending, LLC	VA	1	0.1%	100%	$465,000
Wright Patt Credit Union Inc	Conventional	1	0.1%	100%	$315,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$615,000	View
Baxter Credit Union	Conventional	1	0.1%	100%	$65,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$665,000	View
First Financial Bank NA A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0.1%	100%	$485,000	View
Empeople Credit Union	Conventional	1	0.1%	100%	$335,000
Iserve Residential Lending	Conventional	1	0.1%	100%	$465,000
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$235,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$275,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$415,000
Veritas Funding, LLC	VA	1	0.1%	100%	$385,000
First National Bank of Hutchinson A+5.0 ★Texas Ratio: 2.58%	Conventional	1	0.1%	100%	$555,000	View
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional	1	0.1%	100%	$515,000	View
Lower, LLC	Conventional	1	0.1%	100%	$435,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$355,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	1	0.1%	100%	$915,000	View
State Departmenet Federal Credit Union	Conventional	1	0.1%	100%	$755,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$395,000
Nexera Holding LLC	Conventional	1	0.1%	100%	$75,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	11.1%	$115,000
American National Bank	Conventional, Jumbo	1	0.1%	100%	$1,585,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$405,000
Jefferson Bank A5.0 ★Texas Ratio: 6.02%	Conventional, Jumbo	1	0.1%	100%	$1,115,000	View
Hometrust Mortgage Company	Conventional	1	0.1%	50%	$235,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Credit Union of Colorado, A Federal Credit Union A+5.0 ★Texas Ratio: 3.16%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Santa Fe 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 Santa Fe, New Mexico

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

Types of Mortgage Lenders in Santa Fe, NM

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

Mortgage companies and brokers 87 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 59 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 35 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 47 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 40 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NM 10 lenders headquartered in New Mexico, the closest thing to a mortgage lender near you

Who Lends in Santa Fe, NM

Independent mortgage companies closed 50.9 percent of home loans in Santa Fe, New Mexico in 2025, banks 28.6 percent and credit unions 20.5 percent. Rocket Mortgage was the largest mortgage company, Sunflower Bank, N.A. the largest bank and State Employees Credit Union the largest credit union. Among lenders headquartered in New Mexico, State Employees Credit Union led with 57 loans.

50.9%

Mortgage companies

28.6%

Banks

20.5%

Credit unions

FHA loans

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 Las Cruces 169 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 Santa Fe, NM

Who is the largest mortgage lender in Santa Fe, NM?

By home loans closed in 2025, Sunflower Bank, N.A. was the largest mortgage lender in Santa Fe, New Mexico with 88 loans, about 5.4 percent of the market. The largest lender headquartered in New Mexico was State Employees Credit Union with 57 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Santa Fe, NM have the highest approval rates?

Among lenders with meaningful volume in Santa Fe, New Mexico, Nations Lending Corporation approved the highest share of completed applications in 2025 at 100 percent, against a 82.9 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 Santa Fe, NM mortgage lenders offer FHA, VA and USDA loans?

35 lenders closed FHA loans in Santa Fe, New Mexico in 2025, led by CrossCountry Mortgage, LLC with 24. 47 lenders closed VA loans, led by Mortgage Research Center. 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 Santa Fe, NM lender list?

Yes. 59 banks and 27 credit unions closed home loans in Santa Fe, New Mexico in 2025, alongside 87 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 Santa Fe, NM ranked on this page?

Lenders are ranked only by the number of home loans they closed in Santa Fe, 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 Santa Fe, 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 Santa Fe. 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.