Home purchase lenders in Sandoval County
2,724 home purchase mortgages were made in Sandoval County, New Mexico, in 2025, by 203 lenders. The median rate their borrowers got was 6.375% on a median loan of $325,000. Of 3,262 decisions, 447 were denials — 13.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 249 | 6.500% | $275,000 | 3.8% |
| Waterstone Mortgage Corporation | 249 | 6.625% | $265,000 | 3.5% |
| PULTE MORTGAGE LLC | 185 | 4.990% | $425,000 | 15.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 154 | 6.499% | $355,000 | 8.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 146 | 6.625% | $320,000 | 7.0% |
| DHI MORTGAGE COMPANY, LTD. | 138 | 4.990% | $385,000 | 23.8% |
| CMG MORTGAGE, INC. | 110 | 6.625% | $255,000 | 7.0% |
| CALCON MUTUAL MORTGAGE LLC | 90 | 5.750% | $365,000 | 0.0% |
| BOKF, National Association | 81 | 6.500% | $325,000 | 3.6% |
| Mortgage Research Center, LLC | 69 | 6.250% | $355,000 | 8.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 66 | 4.500% | $435,000 | 13.3% |
| BUILDERS CHOICE MORTGAGE LLC | 64 | 6.562% | $300,000 | 3.0% |
| Rocket Mortgage, LLC | 54 | 6.500% | $325,000 | 8.5% |
| Sunward Federal Credit Union | 48 | 6.000% | $320,000 | 4.0% |
| JPMorgan Chase Bank, National Association | 45 | 6.490% | $315,000 | 4.1% |
| MOVEMENT MORTGAGE, LLC | 42 | 6.750% | $245,000 | 0.0% |
| NUSENDA | 36 | 6.188% | $260,000 | 0.0% |
| 21st Mortgage Corporation | 35 | 8.950% | $145,000 | 66.7% |
| DIRECTORS MORTGAGE, INC. | 33 | 6.875% | $275,000 | 10.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 6.563% | $225,000 | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 31 | 6.200% | $355,000 | 6.1% |
| Loandepot.Com, LLC | 30 | 6.750% | $330,000 | 25.0% |
| Navy Federal Credit Union | 29 | 6.125% | $335,000 | 14.3% |
| Sunflower Bank, National Association | 29 | 6.250% | $355,000 | 3.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 28 | 6.500% | $315,000 | 0.0% |
| GUARANTEED RATE, INC. | 25 | 6.250% | $235,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 24 | 6.375% | $305,000 | 7.4% |
| HOMETRUST MORTGAGE COMPANY | 22 | 6.375% | $295,000 | 12.0% |
| Broker Solutions, Inc. | 22 | 6.625% | $290,000 | 4.4% |
| VAN DYK MORTGAGE CORPORATION | 19 | 6.250% | $305,000 | 5.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 17 | 6.750% | $325,000 | 10.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 17 | 6.625% | $255,000 | 0.0% |
| Bank of America, National Association | 16 | 6.183% | $280,000 | 27.3% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.313% | $370,000 | 20.0% |
| USAA Federal Savings Bank | 15 | 6.250% | $335,000 | 21.1% |
| Bell Bank | 15 | 6.875% | $265,000 | 0.0% |
| KIND LENDING, LLC | 14 | 6.563% | $320,000 | 36.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 13 | 6.000% | $15,000 | 12.5% |
| Click n' Close, Inc. | 13 | 6.500% | $305,000 | 7.1% |
| Wells Fargo Bank, National Association | 13 | 6.375% | $315,000 | 0.0% |
| Nations Lending Corporation | 12 | 6.625% | $240,000 | 7.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 11 | 10.250% | $155,000 | 79.5% |
| U.S. Bank National Association | 11 | 6.375% | $355,000 | 26.7% |
| V.I.P. MORTGAGE, INC. | 11 | 6.624% | $315,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.495% | $315,000 | 9.1% |
| EVERETT FINANCIAL, INC. | 10 | 6.500% | $450,000 | 0.0% |
| SIRVA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 7.1% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SANDIA AREA | 8 | Under 10 loans | Under 10 loans | 30.8% |
| Kirtland Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 21.4% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Del Norte Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| INTERCAP LENDING INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. EAGLE | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RIO GRANDE | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 2 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| State Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUADALUPE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Partners Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Deseret First Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AERO Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY HOME MORTGAGE, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CADENCE LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arizona Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cedar Rapids Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 84.6% |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 71.4% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICA FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| KeyBank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MYCUMORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Mountain America Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Prosperity Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Builder Finance Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Boeing Employees Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PREMIER MEMBERS CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FirstLight Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| WESTSTAR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SELF-HELP Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 3 lenders each made 0 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.