Home purchase lenders in Bernalillo County
7,522 home purchase mortgages were made in Bernalillo County, New Mexico, in 2025, by 306 lenders. The median rate their borrowers got was 6.500% on a median loan of $285,000. Of 8,851 decisions, 1,028 were denials — 11.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Waterstone Mortgage Corporation | 1,039 | 6.625% | $245,000 | 2.4% |
| GUILD MORTGAGE COMPANY | 809 | 6.625% | $255,000 | 4.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 448 | 6.625% | $275,000 | 5.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 407 | 6.500% | $305,000 | 8.0% |
| BOKF, National Association | 298 | 6.625% | $325,000 | 6.2% |
| Sunward Federal Credit Union | 270 | 6.000% | $325,000 | 3.9% |
| CMG MORTGAGE, INC. | 253 | 6.625% | $235,000 | 5.1% |
| NUSENDA | 229 | 6.250% | $275,000 | 5.3% |
| Rocket Mortgage, LLC | 188 | 6.556% | $305,000 | 7.9% |
| JPMorgan Chase Bank, National Association | 183 | 6.500% | $295,000 | 5.5% |
| DIRECTORS MORTGAGE, INC. | 181 | 6.875% | $235,000 | 6.5% |
| DHI MORTGAGE COMPANY, LTD. | 156 | 4.500% | $355,000 | 20.7% |
| Mortgage Research Center, LLC | 138 | 6.250% | $335,000 | 6.0% |
| HOMETRUST MORTGAGE COMPANY | 114 | 6.500% | $315,000 | 5.7% |
| BUILDERS CHOICE MORTGAGE LLC | 112 | 6.625% | $295,000 | 7.4% |
| Bell Bank | 104 | 6.500% | $305,000 | 1.9% |
| Navy Federal Credit Union | 89 | 6.125% | $325,000 | 3.2% |
| PULTE MORTGAGE LLC | 85 | 5.375% | $485,000 | 6.6% |
| MOVEMENT MORTGAGE, LLC | 83 | 6.562% | $255,000 | 8.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 80 | 6.375% | $215,000 | 1.2% |
| Click n' Close, Inc. | 79 | 6.625% | $265,000 | 1.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 77 | 6.500% | $235,000 | 3.3% |
| 21st Mortgage Corporation | 73 | 9.970% | $105,000 | 74.8% |
| KIND LENDING, LLC | 70 | 6.625% | $330,000 | 24.5% |
| Kirtland Federal Credit Union | 67 | 6.000% | $315,000 | 4.4% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 67 | 6.375% | $225,000 | 1.4% |
| Bank of America, National Association | 63 | 6.125% | $265,000 | 27.3% |
| Loandepot.Com, LLC | 63 | 6.625% | $295,000 | 14.7% |
| Sunflower Bank, National Association | 63 | 6.490% | $275,000 | 1.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 62 | 6.313% | $190,000 | 5.1% |
| USAA Federal Savings Bank | 57 | 6.500% | $365,000 | 21.9% |
| CALCON MUTUAL MORTGAGE LLC | 55 | 6.750% | $275,000 | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | 52 | 6.250% | $305,000 | 10.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 49 | 6.375% | $205,000 | 12.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 49 | 6.625% | $325,000 | 3.9% |
| VAN DYK MORTGAGE CORPORATION | 48 | 6.500% | $295,000 | 4.0% |
| GUARANTEED RATE, INC. | 47 | 6.500% | $305,000 | 14.3% |
| V.I.P. MORTGAGE, INC. | 43 | 6.624% | $275,000 | 0.0% |
| Wells Fargo Bank, National Association | 38 | 6.250% | $255,000 | 11.1% |
| SANDIA AREA | 37 | Not published | $285,000 | 22.9% |
| PLAZA HOME MORTGAGE, INC. | 37 | 6.490% | $285,000 | 17.0% |
| Broker Solutions, Inc. | 33 | 6.750% | $285,000 | 8.3% |
| U.S. Bank National Association | 29 | 6.500% | $405,000 | 14.3% |
| Sierra Pacific Mortgage Company, Inc. | 27 | 6.750% | $325,000 | 3.6% |
| BETTER MORTGAGE CORPORATION | 26 | 6.375% | $320,000 | 21.2% |
| Plains Commerce Bank | 25 | 6.875% | $325,000 | 13.8% |
| ENVOY MORTGAGE, LTD | 25 | 6.625% | $275,000 | 3.9% |
| CORNERSTONE CAPITAL BANK, SSB | 23 | 6.490% | $325,000 | 4.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 22 | 6.813% | $330,000 | 29.0% |
| Colorado Federal Savings Bank | 22 | 6.500% | $385,000 | 12.0% |
| Fairway Independent Mortgage Corporation | 21 | 6.625% | $355,000 | 0.0% |
| 254900O723MCLR701H50 | 20 | 6.750% | $5,000 | 16.7% |
| Loan Funder LLC | 20 | 10.990% | $205,000 | 0.0% |
| NBKC BANK | 19 | 6.125% | $375,000 | 9.5% |
| RIO GRANDE | 18 | Not published | $270,000 | 9.5% |
| U.S. EAGLE | 18 | 6.313% | $275,000 | 10.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 17 | 6.490% | $255,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 17 | 6.875% | $395,000 | 0.0% |
| BMO Bank National Association | 16 | 6.813% | $390,000 | 22.7% |
| First Financial Credit Union | 16 | 6.500% | $250,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.125% | $295,000 | 16.7% |
| UNION HOME MORTGAGE CORP. | 15 | 6.125% | $305,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 5.813% | $420,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 13 | 6.875% | $325,000 | 18.8% |
| First Federal Bank | 13 | 6.125% | $345,000 | 0.0% |
| THE LOAN STORE, INC. | 13 | 6.490% | $305,000 | 5.9% |
| A&D Mortgage LLC | 13 | 6.750% | $375,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 13 | 6.490% | $275,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 10.625% | $255,000 | 13.3% |
| Nations Lending Corporation | 12 | 7.125% | $395,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.250% | $405,000 | 7.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.063% | $310,000 | 13.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | 7.187% | $240,000 | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 10 | 6.075% | $445,000 | 0.0% |
| Del Norte Credit Union | 10 | 5.933% | $290,000 | 0.0% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| FlexPoint, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| DAS Acquisition Company, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | Under 10 loans | Under 10 loans | 89.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| UMB Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First-Citizens Bank & Trust Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 56.5% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 84.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Mountain America Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUMMIT FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 76.9% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 78.6% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Bank of Whittier, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| State Employees Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valley West Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA FIRST Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900K39SBWA2QOUF69 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 16.7% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 88.9% |
| COUNTRYPLACE MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 83.3% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 40.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Stride Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstLight Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 106 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.