The Lenders Community Survey gathers homeowners feedback and 105 lenders recommendations for New Mexico home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: May 1, 2025
<< Human Powered Recommendations >>
New Mexico Top Lenders for Home Refinance Loans
Albuquerque, Las Cruces, Rio Rancho, Santa Fe, Roswell, Farmington, Hobbs, Clovis, South Valley, Carlsbad, Online lenders.
Recommendations are gathered from 1,109 local New Mexico members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage 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 refinance?
- – 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 Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Albuquerque’s area are Bank of Albuquerque, Sandia Area Federal Credit Union, and Nusenda Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bank of Albuquerque | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Sandia Area Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Nusenda Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 88% |
| First National Bank Texas | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Sandia Laboratory Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 84% |
| Del Norte Credit Union | Credit Union | 4.0 | 4.0 | 3.5 | 83% |
| Zia Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 82% |
| Railroad Employees Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 80% |
| The Citizens Bank of Clovis | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
| First Citizens Bank | Bank | 3.5 | 3.5 | 3.0 | 76% |
| CrossFirst Bank | Bank | 3.0 | 3.5 | 3.0 | 75% |
| Bank of America | Bank | 3.0 | 3.0 | 3.0 | 73% |
| Academy Mortgage | Lender | 3.0 | 3.0 | 3.0 | 72% |
Las Cruces Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Las Cruces’s area are Bank of America, Wells Fargo, and US Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Wells Fargo | Bank | 4.5 | 4.5 | 4.5 | 90% |
| US Bank | Bank | 4.0 | 4.5 | 4.0 | 88% |
| First American Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Rio Grande Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 84% |
| Sandia Laboratory Credit Union | Credit Union | 4.0 | 4.0 | 3.5 | 83% |
| Kirtland Federal Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 82% |
| Bank 34 | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| Bank of the West | Bank | 3.5 | 3.5 | 3.5 | 78% |
| First National Bank of Santa Fe | Community Bank | 3.0 | 3.5 | 3.0 | 76% |
| Western Commerce Bank | Community Bank | 3.0 | 3.5 | 3.0 | 75% |
| Bank of New Mexico | Community Bank | 3.0 | 3.0 | 3.0 | 73% |
| Centinel Bank | Community Bank | 3.0 | 3.0 | 3.0 | 72% |
| Los Alamos National Bank | Community Bank | 3.0 | 3.0 | 3.0 | 70% |
| First Savings Bank | Community Bank | 3.0 | 3.0 | 3.0 | 68% |
Rio Rancho Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Rio Rancho’s area are Bank of Albuquerque, Nusenda Credit Union, and Sandia Area Federal Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bank of Albuquerque | Bank | 4.5 | 4.5 | 4.5 | 91% |
| Nusenda Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Sandia Area Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.0 | 89% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 4.0 | 4.0 | 3.5 | 84% |
| Rio Grande Credit Union | Credit Union | 4.0 | 4.0 | 3.5 | 83% |
| First Financial Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 82% |
| Bank 34 | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| Western Commerce Bank | Community Bank | 3.5 | 3.5 | 3.0 | 78% |
| Centinel Bank | Community Bank | 3.0 | 3.5 | 3.0 | 76% |
Santa Fe Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Santa Fe’s area are Centinel Bank, Los Alamos National Bank, and Nusenda Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Centinel Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Los Alamos National Bank | Community Bank | 4.5 | 4.5 | 4.5 | 92% |
| Nusenda Credit Union | Credit Union | 4.5 | 4.5 | 4.0 | 90% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Wells Fargo | Bank | 4.0 | 4.0 | 3.5 | 85% |
| First National Bank of Santa Fe | Community Bank | 4.0 | 4.0 | 3.5 | 84% |
| Del Norte Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 83% |
| Bank of the West | Bank | 3.5 | 3.5 | 3.5 | 81% |
| Rio Grande Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 80% |
| US Bank | Bank | 3.5 | 3.5 | 3.0 | 78% |
Roswell Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Roswell’s area are Bank of the West, First American Bank, and Western Commerce Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bank of the West | Bank | 4.5 | 4.5 | 4.5 | 92% |
| First American Bank | Community Bank | 4.5 | 4.5 | 4.0 | 90% |
| Western Commerce Bank | Community Bank | 4.0 | 4.5 | 4.0 | 89% |
| Bank 34 | Community Bank | 4.0 | 4.0 | 4.0 | 87% |
| Wells Fargo | Bank | 4.0 | 4.0 | 3.5 | 85% |
| Bank of America | Bank | 3.5 | 4.0 | 3.5 | 84% |
| Roswell Federal Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 83% |
| First National Bank of New Mexico | Community Bank | 3.5 | 3.5 | 3.5 | 82% |
| US Bank | Bank | 3.5 | 3.5 | 3.0 | 80% |
| Chaves County Credit Union | Credit Union | 3.0 | 3.5 | 3.0 | 78% |
Farmington Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Farmington’s area are Four Corners Community Bank, Bank of the San Juans, and San Juan Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Four Corners Community Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bank of the San Juans | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| San Juan Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 90% |
| Wells Fargo | Bank | 4.0 | 4.0 | 3.5 | 85% |
| Bank of America | Bank | 3.5 | 4.0 | 3.5 | 83% |
| First National Bank of New Mexico | Community Bank | 3.5 | 3.5 | 3.5 | 82% |
| US Bank | Bank | 3.5 | 3.5 | 3.0 | 80% |
Hobbs Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Hobbs’s area are First American Bank, Western Commerce Bank, and Lea County State Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First American Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Western Commerce Bank | Community Bank | 4.5 | 4.5 | 4.0 | 91% |
| Lea County State Bank | Community Bank | 4.0 | 4.5 | 4.0 | 89% |
| Bank of America | Bank | 4.0 | 4.0 | 3.5 | 85% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 83% |
| Lea County Federal Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 82% |
| US Bank | Bank | 3.5 | 3.5 | 3.0 | 80% |
Clovis Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Clovis’s area are Bank of Clovis, First National Bank of New Mexico, and Western Commerce Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bank of Clovis | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| First National Bank of New Mexico | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| Western Commerce Bank | Community Bank | 4.0 | 4.5 | 4.0 | 90% |
| Bank of America | Bank | 4.0 | 4.0 | 3.5 | 85% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 83% |
| Clovis Federal Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 82% |
| US Bank | Bank | 3.5 | 3.5 | 3.0 | 80% |
South Valley Mortgage Refinance Lenders
South ValleyMFP’s Community Lenders Survey most recommended refinance lenders in South Valley’s area are Rio Grande Credit Union, Bank of Albuquerque, and Nusenda Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Rio Grande Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Bank of Albuquerque | Bank | 4.5 | 4.5 | 4.0 | 91% |
| Nusenda Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 90% |
| Bank of the West | Bank | 4.0 | 4.0 | 3.5 | 86% |
| First Financial Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 84% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.5 | 82% |
| Bank of America | Bank | 3.5 | 3.5 | 3.0 | 80% |
Carlsbad Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Carlsbad’s area are Carlsbad National Bank, First American Bank, and Western Commerce Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Carlsbad National Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| First American Bank | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| Western Commerce Bank | Community Bank | 4.0 | 4.5 | 4.0 | 90% |
| Bank of America | Bank | 4.0 | 4.0 | 3.5 | 86% |
| Wells Fargo | Bank | 3.5 | 4.0 | 3.5 | 84% |
| Carlsbad Municipal Schools FCU | Credit Union | 3.5 | 3.5 | 3.5 | 82% |
| US Bank | Bank | 3.5 | 3.5 | 3.0 | 80% |
Best New Mexico Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in New Mexico’s are Rocket Mortgage, Nusenda Credit Union and Better Mortgage.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % (0-100%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50,000 – $3,000,000 | 5.60% – 7.10% | 10, 15, 20, 30 | 5 | 4.5 | 5 | 96% |
| Nusenda Credit Union | $50,000 – $1,500,000 | 5.55% – 7.05% | 15, 20, 30 | 4.5 | 4.5 | 5 | 94% |
| Better Mortgage | $100,000 – $2,500,000 | 5.65% – 7.15% | 15, 20, 30 | 4.5 | 4.5 | 4.5 | 92% |
| Bank of Albuquerque | $50,000 – $1,000,000 | 5.60% – 7.10% | 15, 20, 30 | 4.5 | 4 | 4.5 | 90% |
| LoanDepot | $50,000 – $3,000,000 | 5.70% – 7.20% | 10, 15, 20, 25, 30 | 4 | 4 | 4.5 | 88% |
| First Financial Credit Union | $50,000 – $750,000 | 5.55% – 7.05% | 15, 20, 30 | 4 | 4 | 4.5 | 86% |
| SoFi | $100,000 – $2,000,000 | 5.75% – 7.25% | 10, 15, 20, 30 | 4 | 3.5 | 4 | 84% |
| Guaranteed Rate | $50,000 – $2,000,000 | 5.80% – 7.30% | 15, 20, 30 | 3.5 | 4 | 4 | 83% |
| US Eagle Federal Credit Union | $50,000 – $500,000 | 5.65% – 7.15% | 15, 20, 30 | 3.5 | 4 | 4 | 82% |
| Chase Bank | $50,000 – $2,000,000 | 5.85% – 7.35% | 10, 15, 20, 30 | 3.5 | 3.5 | 3.5 | 81% |
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