Mortgage lenders in Santa Fe County
3,074 mortgages were made in Santa Fe County, New Mexico, in 2025, by 302 lenders. The median rate their borrowers got was 6.625% on a median loan of $315,000. Of 4,272 decisions, 1,030 were denials — 24.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 188 | 6.990% | $225,000 | 23.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 176 | 6.499% | $375,000 | 18.7% |
| Waterstone Mortgage Corporation | 176 | 6.875% | $365,000 | 3.2% |
| NUSENDA | 156 | 8.000% | $145,000 | 13.6% |
| Del Norte Credit Union | 156 | 5.750% | $150,000 | 15.5% |
| Sunflower Bank, National Association | 125 | 6.625% | $375,000 | 2.3% |
| State Employees Credit Union | 116 | 7.250% | $105,000 | 15.4% |
| GUILD MORTGAGE COMPANY | 102 | 6.625% | $335,000 | 3.5% |
| Nations Lending Corporation | 78 | 6.875% | $415,000 | 1.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 69 | 6.375% | $395,000 | 4.1% |
| BOKF, National Association | 63 | 6.875% | $295,000 | 17.5% |
| 21st Mortgage Corporation | 62 | 9.520% | $125,000 | 68.5% |
| Sunward Federal Credit Union | 60 | 6.500% | $195,000 | 15.5% |
| DHI MORTGAGE COMPANY, LTD. | 53 | 4.990% | $505,000 | 31.2% |
| Bank of America, National Association | 52 | 6.240% | $255,000 | 51.4% |
| PULTE MORTGAGE LLC | 51 | 4.990% | $495,000 | 11.9% |
| Loandepot.Com, LLC | 44 | 6.990% | $225,000 | 37.5% |
| JPMorgan Chase Bank, National Association | 44 | 6.750% | $555,000 | 20.7% |
| UNION HOME MORTGAGE CORP. | 41 | 6.750% | $325,000 | 10.2% |
| Bell Bank | 41 | 6.625% | $455,000 | 14.3% |
| PLAZA HOME MORTGAGE, INC. | 39 | 6.750% | $505,000 | 10.9% |
| SANDIA AREA | 37 | Not published | $75,000 | 37.3% |
| GUARANTEED RATE, INC. | 36 | 6.863% | $305,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.750% | $335,000 | 25.5% |
| Wells Fargo Bank, National Association | 35 | 6.500% | $375,000 | 18.6% |
| GUADALUPE | 34 | 7.485% | $200,000 | 0.0% |
| Mortgage Research Center, LLC | 31 | 5.990% | $405,000 | 22.0% |
| U.S. Bank National Association | 30 | 7.450% | $255,000 | 55.1% |
| Navy Federal Credit Union | 28 | 6.750% | $320,000 | 29.3% |
| NATIONSTAR MORTGAGE LLC | 26 | 7.688% | $170,000 | 12.9% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.250% | $425,000 | 25.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 23 | 6.625% | $335,000 | 11.5% |
| Broker Solutions, Inc. | 22 | 6.750% | $295,000 | 32.4% |
| Kirtland Federal Credit Union | 20 | 7.000% | $120,000 | 22.2% |
| Plains Commerce Bank | 20 | 6.563% | $420,000 | 4.8% |
| AmeriSave Mortgage Corporation | 19 | 7.875% | $105,000 | 71.2% |
| SUMMIT FUNDING, INC. | 19 | 6.875% | $365,000 | 12.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.250% | $335,000 | 17.4% |
| CMG MORTGAGE, INC. | 19 | 6.625% | $355,000 | 13.8% |
| NEWREZ LLC | 18 | 7.250% | $285,000 | 48.7% |
| UMB Bank, National Association | 18 | 4.445% | $130,000 | 40.6% |
| PNC Bank, National Association | 16 | 6.990% | $205,000 | 39.3% |
| U.S. EAGLE | 15 | 7.950% | $85,000 | 21.1% |
| LONGBRIDGE FINANCIAL, LLC | 15 | 6.750% | $375,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 15 | 5.950% | $695,000 | 0.0% |
| MidFirst Bank | 15 | 6.250% | $1,005,000 | 0.0% |
| SPRING EQ, LLC | 13 | 8.775% | $105,000 | 61.5% |
| USAA Federal Savings Bank | 13 | 5.875% | $505,000 | 35.0% |
| DIRECTORS MORTGAGE, INC. | 13 | 6.500% | $155,000 | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 13 | 6.625% | $445,000 | 7.1% |
| Coastal Community Bank | 12 | 10.240% | $50,000 | 3.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 6.938% | $375,000 | 20.0% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 6.125% | $405,000 | 41.7% |
| Enterprise Bank & Trust | 11 | Not published | $355,000 | 31.3% |
| Fairway Independent Mortgage Corporation | 11 | 6.625% | $345,000 | 7.7% |
| FINANCE OF AMERICA REVERSE LLC | 11 | 6.375% | $305,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 6.970% | $295,000 | 33.3% |
| FIGURE LENDING LLC | 10 | 8.350% | $105,000 | 43.3% |
| NBKC BANK | 10 | 6.490% | $500,000 | 23.1% |
| Charles Schwab Bank, SSB | 10 | 5.838% | $1,000,000 | 0.0% |
| First-Citizens Bank & Trust Company | 10 | 6.070% | $280,000 | 9.1% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 43.8% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Stifel Bank and Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| LENDSURE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Gateway First Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 8.3% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 87.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Amarillo National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 85.7% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 69.2% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMETRUST MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIO GRANDE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 83.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OnPath Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, 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% |
| First Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Access Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Inwood National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 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 102 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Santa Fe County
30 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 5 | $1.3 billion |
| Century Bank | 5 | $636.7 million |
| Sunflower Bank, National Association | 4 | $632.9 million |
| Enterprise Bank & Trust | 3 | $658.5 million |
| Bank of America, National Association | 3 | $646.9 million |
| U.S. Bank National Association | 3 | $269.5 million |
| UMB Bank, National Association | 2 | $364.4 million |
| WaFd Bank | 2 | $74.1 million |
| First-Citizens Bank & Trust Company | 1 | $130.3 million |
| JPMorgan Chase Bank, National Association | 1 | $49.7 million |
| BOKF, National Association | 1 | $41.5 million |
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.