The MFP Home Loan Lenders Community Survey gathers New Mexico’s homeowners feedback and lenders recommendations for home loans. Shopping for a home loan can be complicated and we gathered the data below to help your choice.
Updated: June 6, 2025
<< Human Powered Recommendations >>
New Mexico Best Home Loan Lenders
Albuquerque, Las Cruces, Rio Rancho, Santa Fe, Roswell, Farmington, Hobbs, Clovis, South Valley, Carlsbad, Online lenders.
New Mexico Home Loans Lenders Satisfaction
Performance and satisfaction of purchase loan mortgage lenders across New Mexico by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation |
|---|---|---|---|---|
| Credit Unions | 4.25 | 4.20 | 4.31 | 82% |
| Community Banks | 4.05 | 4.05 | 4.08 | 79% |
| Banks | 4.07 | 4.11 | 4.05 | 79% |
| Online Lenders | 4.10 | 3.80 | 3.97 | 86% |
Recommendations are gathered from 1,109 local New Mexico members who shopped and requested a new home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for New Mexico Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More New Mexico Homeowners Resources.
Albuquerque Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Albuquerque’s area are Bank of Albuquerque, Nusenda Credit Union, and First Financial Credit Union.
Bank of Albuquerque (92% Recommend)
- Highest in Loan Terms & Rate Satisfaction (4.8) among top 3.
- Loves for streamlined application process and responsive customer service.
Nusenda Credit Union (89% Recommend)
- Top-rated in Support & Guidance (4.7) and high Recommend %.
- Homeowners highlight personalized loan options and competitive rates.
First Financial Credit Union (87% Recommend)
- Balanced high scores in Easy Application (4.6) and Loan Terms (4.5).
- Likes for transparent communication and local decision-making.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bank of Albuquerque | Bank | 4.6 | 4.8 | 4.5 | 92% |
| Nusenda Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 89% |
| First Financial Credit Union | Credit Union | 4.6 | 4.5 | 4.4 | 87% |
| Wells Fargo | Bank | 4.3 | 4.4 | 4.2 | 85% |
| Bank of America | Bank | 4.2 | 4.3 | 4.1 | 83% |
| Sandia Area Federal Credit Union | Credit Union | 4.4 | 4.2 | 4.3 | 82% |
| US Bank | Bank | 4.1 | 4.2 | 4.0 | 80% |
| First Convenience Bank | Bank | 4.0 | 4.1 | 4.0 | 78% |
| Kirtland Federal Credit Union | Credit Union | 4.2 | 4.0 | 4.1 | 77% |
| Centinel Bank | Community Bank | 4.1 | 3.9 | 4.0 | 76% |
| Los Alamos National Bank | Bank | 3.9 | 4.0 | 3.8 | 75% |
| First National Bank of Santa Fe | Bank | 3.8 | 3.9 | 3.7 | 74% |
| Del Norte Credit Union | Credit Union | 3.9 | 3.8 | 3.8 | 73% |
| Bank 34 | Bank | 3.7 | 3.8 | 3.6 | 72% |
| Western Commerce Bank | Community Bank | 3.6 | 3.7 | 3.5 | 70% |
Las Cruces Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Las Cruces’s area are Bank of Albuquerque, Nusenda Credit Union, and Del Norte Credit Union.
Bank of Albuquerque (91% Recommend)
- Highest in Loan Terms & Rate Satisfaction (4.7) among top 3 lenders.
- Users highlight exceptional local decision-making and competitive jumbo loan options.
Nusenda Credit Union (88% Recommend)
- Top-rated in Support & Guidance (4.6) with 5-star financial strength rating from BauerFinancial.
- Homeowners like personalized service and first-time homebuyer programs.
Del Norte Credit Union (85% Recommend)
- Balanced high scores in Easy Application (4.5) and Loan Terms (4.4).
- Survey recognize them for bilingual mortgage specialists and flexible underwriting.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bank of Albuquerque | Bank | 4.5 | 4.7 | 4.4 | 91% |
| Nusenda Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 88% |
| Del Norte Credit Union | Credit Union | 4.5 | 4.4 | 4.3 | 85% |
| First Financial Credit Union | Credit Union | 4.3 | 4.3 | 4.2 | 83% |
| Wells Fargo | Bank | 4.1 | 4.2 | 4.0 | 81% |
| Bank of America | Bank | 4.0 | 4.1 | 3.9 | 79% |
| US Bank | Bank | 3.9 | 4.0 | 3.8 | 77% |
| Sandia Area Federal Credit Union | Credit Union | 4.2 | 3.9 | 4.0 | 76% |
| Kirtland Federal Credit Union | Credit Union | 4.1 | 3.8 | 3.9 | 75% |
| Centinel Bank | Community Bank | 3.9 | 3.7 | 3.8 | 73% |
| Los Alamos National Bank | Bank | 3.8 | 3.8 | 3.7 | 72% |
| First National Bank of Santa Fe | Bank | 3.7 | 3.7 | 3.6 | 71% |
| One Source Federal Credit Union | Credit Union | 3.8 | 3.6 | 3.7 | 70% |
| Bank 34 | Bank | 3.6 | 3.6 | 3.5 | 68% |
| Western Commerce Bank | Community Bank | 3.5 | 3.5 | 3.4 | 66% |
Rio Rancho Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Rio Rancho’s area are Nusenda Credit Union, Del Norte Credit Union, and Bank of Albuquerque.
Nusenda Credit Union (91% Recommend)
- Highest in Support & Guidance (4.7) and top Recommend % among Rio Rancho lenders.
- Consistently recognized for homeowners focused service and competitive home loan products.
Del Norte Credit Union (88% Recommend)
- Balanced high scores in Easy Application (4.5) and Loan Terms (4.4).
- Loves for bilingual mortgage specialists and community-focused lending approach.
Bank of Albuquerque (85% Recommend)
- Strong in Loan Terms & Rate Satisfaction (4.5) with full-service mortgage options.
- Users like the bank for personalized financial guidance and local decision-making process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Nusenda Credit Union | Credit Union | 4.6 | 4.5 | 4.7 | 91% |
| Del Norte Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 88% |
| Bank of Albuquerque | Bank | 4.3 | 4.5 | 4.3 | 85% |
| WaFd Bank | Bank | 4.2 | 4.2 | 4.1 | 82% |
| Bank of New Mexico | Bank | 4.1 | 4.1 | 4.0 | 80% |
| First Financial Credit Union | Credit Union | 4.0 | 4.0 | 4.1 | 78% |
| Kirtland Federal Credit Union | Credit Union | 3.9 | 3.9 | 4.0 | 76% |
| Centinel Bank | Community Bank | 3.8 | 3.8 | 3.9 | 74% |
| Los Alamos National Bank | Bank | 3.7 | 3.7 | 3.8 | 72% |
| Western Commerce Bank | Community Bank | 3.6 | 3.6 | 3.7 | 70% |
Santa Fe Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Santa Fe’s area are Nusenda Credit Union, Del Norte Credit Union, and Century Bank.
Nusenda Credit Union (92% Recommend)
- Highest in Support & Guidance (4.8) and top Recommend % among Santa Fe lenders.
- Users feedback like personalized service and competitive home loan products.
Del Norte Credit Union (89% Recommend)
- Strong in Loan Terms & Rate Satisfaction (4.6) with bilingual mortgage specialists.
- Recognized for community-focused lending approach and flexible underwriting.
Century Bank (86% Recommend)
- Balanced high scores in Easy Application (4.4) and Loan Terms (4.3).
- Loved for local decision-making and full-service mortgage options.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Nusenda Credit Union | Credit Union | 4.6 | 4.5 | 4.8 | 92% |
| Del Norte Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 89% |
| Century Bank | Bank | 4.4 | 4.3 | 4.3 | 86% |
| Guadalupe Credit Union | Credit Union | 4.3 | 4.2 | 4.4 | 84% |
| Bank of Albuquerque | Bank | 4.2 | 4.3 | 4.1 | 82% |
| Eagle Credit Union | Credit Union | 4.1 | 4.1 | 4.2 | 80% |
| First Financial Credit Union | Credit Union | 4.0 | 4.0 | 4.1 | 78% |
| Los Alamos National Bank | Bank | 3.9 | 3.9 | 3.8 | 76% |
| Bank of America | Bank | 3.8 | 3.8 | 3.7 | 74% |
| Wells Fargo | Bank | 3.7 | 3.7 | 3.6 | 72% |
| US Bank | Bank | 3.6 | 3.6 | 3.5 | 70% |
| Kirtland Federal Credit Union | Credit Union | 3.5 | 3.5 | 3.6 | 68% |
| First National Bank of Santa Fe | Bank | 3.4 | 3.4 | 3.5 | 66% |
| Bank 34 | Bank | 3.3 | 3.3 | 3.4 | 64% |
| Western Commerce Bank | Community Bank | 3.2 | 3.2 | 3.3 | 62% |
Roswell Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Roswell’s area are First American Bank, Pioneer Bank, and Western Commerce Bank.
First American Bank (91% Recommend)
- Highest in Loan Terms & Rate Satisfaction (4.7) among Roswell lenders.
- Homeowners highlight exceptional local service and competitive conventional loan options.
Pioneer Bank (88% Recommend)
- Top-rated in Support & Guidance (4.6) with strong community banking reputation.
- Recognized for personalized mortgage solutions and flexible underwriting.
Western Commerce Bank (85% Recommend)
- Balanced high scores in Easy Application (4.4) and Loan Terms (4.3).
- Loved for quick turnaround times and local decision-making process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First American Bank | Bank | 4.5 | 4.7 | 4.5 | 91% |
| Pioneer Bank | Bank | 4.4 | 4.5 | 4.6 | 88% |
| Western Commerce Bank | Community Bank | 4.4 | 4.3 | 4.3 | 85% |
| Bank of the Southwest | Bank | 4.2 | 4.2 | 4.1 | 82% |
| Roswell Federal Credit Union | Credit Union | 4.1 | 4.1 | 4.2 | 80% |
| Wells Fargo | Bank | 3.9 | 4.0 | 3.8 | 76% |
| Bank of America | Bank | 3.8 | 3.9 | 3.7 | 74% |
| US Bank | Bank | 3.7 | 3.8 | 3.6 | 72% |
| First National Bank of New Mexico | Bank | 3.6 | 3.7 | 3.5 | 70% |
| Chaves County Credit Union | Credit Union | 3.5 | 3.6 | 3.6 | 68% |
Farmington Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Farmington’s area are Four Corners Federal Credit Union, Western Commerce Bank, and Bank of the San Juans.
Four Corners Federal Credit Union (93% Recommend)
- Highest in Support & Guidance (4.8) and top Recommend % among Farmington lenders.
- Users surveys love the personalized service and competitive first-time homebuyer programs.
Western Commerce Bank (89% Recommend)
- Strong in Loan Terms & Rate Satisfaction (4.6) with local decision-making.
- Recognized for quick loan processing and flexible underwriting standards.
Bank of the San Juans (86% Recommend)
- Balanced high scores in Easy Application (4.5) and Loan Terms (4.4).
- Likes for knowledgeable loan officers and community-focused lending approach.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Four Corners Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 93% |
| Western Commerce Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| Bank of the San Juans | Bank | 4.5 | 4.4 | 4.4 | 86% |
| First New Mexico Bank | Bank | 4.3 | 4.3 | 4.2 | 83% |
| San Juan Credit Union | Credit Union | 4.2 | 4.2 | 4.3 | 81% |
| Wells Fargo | Bank | 4.0 | 4.1 | 3.9 | 77% |
| Bank of America | Bank | 3.9 | 4.0 | 3.8 | 75% |
| US Bank | Bank | 3.8 | 3.9 | 3.7 | 73% |
Hobbs Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Hobbs’ area are Lea County State Bank, JP Stone Community Bank, and WaFd Bank.
Lea County State Bank (92% Recommend)
- Highest in Support & Guidance (4.8) and top Recommend % among Hobbs lenders.
- Feedback highlight exceptional local service and community-focused lending approach.
JP Stone Community Bank (89% Recommend)
- Strong in Loan Terms & Rate Satisfaction (4.6) with local decision-making.
- Recognized for personalized mortgage solutions and family-owned community banking.
WaFd Bank (86% Recommend)
- Balanced high scores in Easy Application (4.5) and Support & Guidance (4.4).
- Loved for knowledgeable loan officers and convenient digital banking options.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Lea County State Bank | Bank | 4.6 | 4.5 | 4.8 | 92% |
| JP Stone Community Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| WaFd Bank | Bank | 4.5 | 4.3 | 4.4 | 86% |
| First National Bank Texas | Bank | 4.3 | 4.2 | 4.2 | 83% |
| Estacado Federal Credit Union | Credit Union | 4.2 | 4.1 | 4.3 | 81% |
| Bank of America | Bank | 4.0 | 4.0 | 3.9 | 77% |
| Wells Fargo | Bank | 3.9 | 3.9 | 3.8 | 75% |
| US Bank | Bank | 3.8 | 3.8 | 3.7 | 73% |
Clovis Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Clovis’ area are The Citizens Bank of Clovis, The James Polk Stone Community Bank and Bank 34.
The Citizens Bank of Clovis (94% Recommend)
- Highest overall Recommend % (94%) with strong ratings: Easy Application (4.8), Loan Terms (4.7), Support & Guidance (4.9)
- Homeowners like its personalized service and long-standing community presence since 1916
The James Polk Stone Community Bank (91% Recommend)
- Strong ratings across the board: Easy Application (4.6), Loan Terms (4.7), Support & Guidance (4.8)
- Users surveys highlight its commitment to community home loans and responsive customer support
Bank 34 (89% Recommend)
- High ratings: Easy Application (4.5), Loan Terms (4.6), Support & Guidance (4.7)
- Homeowners appreciate its competitive mortgage options and attentive service
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| The Citizens Bank of Clovis | Bank | 4.8 | 4.7 | 4.9 | 94% |
| The James Polk Stone Community Bank | Community Bank | 4.6 | 4.7 | 4.8 | 91% |
| Bank 34 | Community Bank | 4.5 | 4.6 | 4.7 | 89% |
| American Heritage Bank (NM) | Community Bank | 4.4 | 4.5 | 4.6 | 87% |
| High Plains Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 85% |
| WaFd Bank | Bank | 4.2 | 4.3 | 4.4 | 83% |
| Cannon Federal Credit Union | Credit Union | 4.1 | 4.2 | 4.3 | 81% |
| Western Bank of Clovis | Bank | 4.0 | 4.1 | 4.2 | 79% |
South Valley Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in South Valley’s area are Nusenda Credit Union, U.S. Eagle Federal Credit Union and First American Bank.
Nusenda Credit Union (93% Recommend)
- Top ratings: Easy Application (4.8), Loan Terms (4.7), Support & Guidance (4.9)
- Users commend its personalized service and community focus
U.S. Eagle Federal Credit Union (90% Recommend)
- Strong scores: Easy Application (4.6), Loan Terms (4.6), Support & Guidance (4.8)
- Homeowners appreciate its competitive rates and attentive staff
First American Bank (88% Recommend)
- High marks: Easy Application (4.5), Loan Terms (4.5), Support & Guidance (4.7)
- Users value its longstanding presence and reliable mortgage services
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Nusenda Credit Union | Credit Union | 4.8 | 4.7 | 4.9 | 93% |
| U.S. Eagle Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.8 | 90% |
| First American Bank | Bank | 4.5 | 4.5 | 4.7 | 88% |
| Pinnacle Bank | Bank | 4.4 | 4.4 | 4.6 | 86% |
| State ECU | Credit Union | 4.3 | 4.4 | 4.5 | 84% |
| First Financial Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 82% |
| Bank of Albuquerque | Bank | 4.1 | 4.2 | 4.3 | 80% |
| Rio Grande Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 78% |
Carlsbad Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Carlsbad’s area are First American Bank, U-1st Community Federal Credit Union and Eddy Federal Credit Union.
First American Bank (92% Recommend)
- Top ratings: Easy Application (4.7), Loan Terms (4.6), Support & Guidance (4.8)
- Homeowners love its personalized service and longstanding community presence
U-1st Community Federal Credit Union (89% Recommend)
- Strong scores: Easy Application (4.6), Loan Terms (4.5), Support & Guidance (4.7)
- Users surveys appreciate the friendly staff and community-focused approach
Eddy Federal Credit Union (87% Recommend)
- High marks: Easy Application (4.5), Loan Terms (4.4), Support & Guidance (4.6)
- Users value its professionalism and personable service
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First American Bank | Bank | 4.7 | 4.6 | 4.8 | 92% |
| U-1st Community Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.7 | 89% |
| Eddy Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.6 | 87% |
| Western Commerce Bank | Bank | 4.4 | 4.3 | 4.5 | 85% |
| CNB Bank | Bank | 4.3 | 4.2 | 4.4 | 83% |
| Internationalites Federal Credit Union | Credit Union | 4.2 | 4.1 | 4.3 | 81% |
| Pioneer Bank | Bank | 4.1 | 4.0 | 4.2 | 79% |
| Financial Security Credit Union | Credit Union | 4.0 | 3.9 | 4.1 | 77% |
New Mexico Best Online Home Loan Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for New Mexico residents are Del Norte Credit Union, New Mexico Mortgage Company, and PennyMac Loan Services.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Del Norte Credit Union | Up to $2M | 5.25% – 7.25% | 15/20/30 | 4.5 | 4.5 | 5.0 | 95% |
| New Mexico Mortgage Company | Up to $3M | 5.75% – 7.25% | 10/15/20/30 | 5.0 | 4.5 | 4.5 | 93% |
| Waterstone Mortgage | Up to $3M | 5.85% – 7.35% | 15/20/30 | 4.5 | 4.0 | 4.5 | 92% |
| PennyMac | Up to $3M | 5.99% – 7.50% | 10/15/20/30 | 4.5 | 4.0 | 4.0 | 91% |
| Bell Bank Mortgage | Up to $2.5M | 6.00% – 7.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 90% |
| First National Bank of Santa Fe | Up to $2M | 6.00% – 7.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 88% |
| PrimeLending | Up to $2M | 6.25% – 7.75% | 15/20/30 | 4.0 | 3.5 | 4.0 | 87% |
| Gateway First Bank | Up to $1.5M | 6.25% – 7.75% | 15/20/30 | 4.0 | 3.5 | 3.5 | 85% |
| CMG Mortgage | Up to $2M | 6.00% – 8.00% | 15/20/30 | 3.5 | 3.5 | 4.0 | 84% |
| Guild Mortgage | Up to $2.5M | 6.25% – 8.25% | 10/15/20/30 | 4.0 | 3.5 | 3.5 | 83% |
| loanDepot | Up to $2M | 6.00% – 8.00% | 15/20/30 | 4.0 | 3.5 | 3.5 | 82% |
| CrossCountry Mortgage | Up to $2.5M | 6.25% – 8.25% | 10/15/20/30 | 4.0 | 3.5 | 3.5 | 81% |
| New American Funding | Up to $2.5M | 6.00% – 7.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 80% |
| Fairway Independent Mortgage | Up to $2M | 6.00% – 8.00% | 15/20/30 | 4.0 | 3.5 | 4.0 | 79% |
| Movement Mortgage | Up to $3M | 6.50% – 8.50% | 15/20/30 | 3.5 | 3.5 | 3.5 | 78% |
