Mortgage lenders in Bernalillo County
14,288 mortgages were made in Bernalillo County, New Mexico, in 2025, by 390 lenders. The median rate their borrowers got was 6.625% on a median loan of $225,000. Of 18,853 decisions, 3,762 were denials — 20.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| NUSENDA | 1,169 | 8.000% | $85,000 | 17.3% |
| Waterstone Mortgage Corporation | 1,082 | 6.625% | $245,000 | 2.8% |
| GUILD MORTGAGE COMPANY | 935 | 6.625% | $245,000 | 4.4% |
| Rocket Mortgage, LLC | 876 | 6.813% | $205,000 | 18.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 822 | 6.250% | $305,000 | 14.3% |
| Sunward Federal Credit Union | 754 | 6.500% | $165,000 | 10.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 512 | 6.625% | $275,000 | 5.5% |
| BOKF, National Association | 471 | 6.625% | $275,000 | 21.5% |
| Kirtland Federal Credit Union | 347 | 7.500% | $105,000 | 20.1% |
| CMG MORTGAGE, INC. | 290 | 6.625% | $235,000 | 5.7% |
| SANDIA AREA | 266 | Not published | $75,000 | 24.9% |
| JPMorgan Chase Bank, National Association | 260 | 6.500% | $275,000 | 8.8% |
| U.S. EAGLE | 237 | 6.990% | $75,000 | 19.1% |
| PENNYMAC LOAN SERVICES, LLC | 219 | 6.375% | $265,000 | 14.2% |
| Loandepot.Com, LLC | 203 | 7.125% | $165,000 | 27.0% |
| DIRECTORS MORTGAGE, INC. | 198 | 6.875% | $235,000 | 7.5% |
| NATIONSTAR MORTGAGE LLC | 187 | 8.250% | $115,000 | 12.6% |
| Navy Federal Credit Union | 185 | 6.750% | $235,000 | 23.8% |
| Bank of America, National Association | 171 | 6.240% | $155,000 | 52.4% |
| Mortgage Research Center, LLC | 169 | 6.250% | $335,000 | 27.7% |
| FREEDOM MORTGAGE CORPORATION | 159 | 6.250% | $305,000 | 17.7% |
| DHI MORTGAGE COMPANY, LTD. | 157 | 4.500% | $355,000 | 20.6% |
| RIO GRANDE | 126 | Not published | $105,000 | 25.0% |
| HOMETRUST MORTGAGE COMPANY | 117 | 6.500% | $315,000 | 7.8% |
| BUILDERS CHOICE MORTGAGE LLC | 117 | 6.625% | $295,000 | 7.1% |
| Bell Bank | 113 | 6.500% | $305,000 | 1.7% |
| KIND LENDING, LLC | 103 | 6.750% | $335,000 | 26.2% |
| MOVEMENT MORTGAGE, LLC | 94 | 6.625% | $245,000 | 7.8% |
| NEWREZ LLC | 93 | 6.990% | $135,000 | 40.4% |
| BMO Bank National Association | 93 | 8.250% | $125,000 | 52.9% |
| U.S. Bank National Association | 93 | 7.700% | $135,000 | 50.5% |
| Click n' Close, Inc. | 93 | 6.625% | $245,000 | 2.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 86 | 6.375% | $215,000 | 1.1% |
| FIGURE LENDING LLC | 85 | 8.850% | $55,000 | 28.4% |
| PULTE MORTGAGE LLC | 85 | 5.375% | $485,000 | 6.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 84 | 6.495% | $240,000 | 11.2% |
| AmeriSave Mortgage Corporation | 81 | 7.875% | $95,000 | 63.0% |
| Sunflower Bank, National Association | 76 | 6.490% | $290,000 | 3.8% |
| 21st Mortgage Corporation | 75 | 9.970% | $105,000 | 74.7% |
| LAKEVIEW LOAN SERVICING, LLC | 74 | 6.313% | $265,000 | 38.3% |
| SPRING EQ, LLC | 73 | 9.300% | $75,000 | 55.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | 6.575% | $285,000 | 10.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 71 | 6.250% | $225,000 | 4.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 69 | 6.375% | $225,000 | 1.4% |
| Wells Fargo Bank, National Association | 68 | 6.375% | $185,000 | 23.1% |
| USAA Federal Savings Bank | 67 | 6.375% | $335,000 | 27.2% |
| First Financial Credit Union | 66 | 7.063% | $140,000 | 12.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 64 | 7.370% | $230,000 | 22.9% |
| GUARANTEED RATE, INC. | 62 | 6.500% | $295,000 | 18.5% |
| CALCON MUTUAL MORTGAGE LLC | 62 | 6.750% | $280,000 | 3.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 61 | 6.250% | $255,000 | 25.0% |
| Broker Solutions, Inc. | 60 | 6.750% | $255,000 | 23.5% |
| Coastal Community Bank | 58 | 10.365% | $55,000 | 4.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 57 | 6.375% | $225,000 | 17.4% |
| PLAZA HOME MORTGAGE, INC. | 55 | 6.490% | $265,000 | 26.0% |
| VAN DYK MORTGAGE CORPORATION | 54 | 6.438% | $290,000 | 3.6% |
| PNC Bank, National Association | 49 | 6.875% | $125,000 | 37.4% |
| V.I.P. MORTGAGE, INC. | 48 | 6.625% | $270,000 | 0.0% |
| Lendage, LLC | 45 | 11.500% | $65,000 | 9.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 43 | 6.625% | $195,000 | 44.1% |
| BETTER MORTGAGE CORPORATION | 38 | 6.813% | $265,000 | 44.4% |
| State Employees Credit Union | 38 | 7.315% | $65,000 | 13.5% |
| Sierra Pacific Mortgage Company, Inc. | 38 | 6.875% | $325,000 | 7.1% |
| GoodLeap, LLC | 37 | 6.125% | $165,000 | 10.9% |
| NBKC BANK | 33 | 6.125% | $325,000 | 13.2% |
| UMB Bank, National Association | 32 | 6.070% | $140,000 | 47.7% |
| Plains Commerce Bank | 32 | 6.750% | $305,000 | 11.1% |
| NEW DAY FINANCIAL, LLC | 30 | 6.750% | $310,000 | 46.6% |
| Del Norte Credit Union | 28 | 6.000% | $85,000 | 24.3% |
| Colorado Federal Savings Bank | 26 | 6.438% | $385,000 | 13.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 25 | 7.124% | $225,000 | 7.1% |
| ENVOY MORTGAGE, LTD | 25 | 6.625% | $275,000 | 3.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 25 | 6.375% | $245,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 25 | 6.490% | $335,000 | 3.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 24 | 6.750% | $280,000 | 13.3% |
| Fairway Independent Mortgage Corporation | 24 | 6.370% | $355,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 23 | 6.990% | $155,000 | 29.4% |
| Discover Bank | 22 | 9.060% | $55,000 | 75.0% |
| ABL RPC Residential Credit Acquisition LLC | 22 | 9.500% | $240,000 | 22.9% |
| THE LOAN STORE, INC. | 22 | 6.625% | $290,000 | 8.8% |
| UNION HOME MORTGAGE CORP. | 22 | 6.188% | $295,000 | 0.0% |
| PLANET HOME LENDING, LLC | 22 | 5.990% | $315,000 | 15.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 21 | 5.750% | $345,000 | 36.1% |
| 254900M2C4Q6DATP2889 | 21 | 5.875% | $285,000 | 27.6% |
| Loan Funder LLC | 21 | 10.990% | $215,000 | 0.0% |
| Valon Mortgage, Inc. | 21 | 8.000% | $75,000 | 16.0% |
| 254900O723MCLR701H50 | 20 | 6.750% | $5,000 | 28.6% |
| Nations Lending Corporation | 20 | 6.933% | $380,000 | 0.0% |
| Equity Prime Mortgage LLC | 19 | 6.750% | $285,000 | 9.5% |
| PHH Mortgage Corporation | 19 | 6.125% | $245,000 | 5.0% |
| EVERETT FINANCIAL, INC. | 19 | 6.875% | $365,000 | 0.0% |
| First-Citizens Bank & Trust Company | 18 | 6.213% | $470,000 | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 18 | 10.500% | $230,000 | 13.6% |
| PENTAGON FEDERAL CREDIT UNION | 17 | 7.375% | $205,000 | 48.5% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.625% | $255,000 | 62.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.375% | $345,000 | 0.0% |
| AMERICA FIRST Federal Credit Union | 17 | 6.990% | $145,000 | 37.0% |
| LENDSURE MORTGAGE CORP. | 17 | 7.500% | $325,000 | 5.3% |
| The Federal Savings Bank | 16 | 6.500% | $340,000 | 11.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 16 | 6.123% | $335,000 | 15.4% |
| NEXERA HOLDING LLC | 16 | 7.500% | $165,000 | 10.0% |
| First Federal Bank | 16 | 6.125% | $325,000 | 5.9% |
| SOUTHWEST FUNDING, LP | 16 | 6.308% | $370,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 15 | 6.125% | $155,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 6.188% | $315,000 | 17.4% |
| OCMBC, INC. | 13 | 6.999% | $305,000 | 20.0% |
| A&D Mortgage LLC | 13 | 6.750% | $375,000 | 13.3% |
| Loan Simple, Inc. | 13 | 6.750% | $315,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 13 | 6.490% | $275,000 | 0.0% |
| ALLIANT CREDIT UNION | 12 | 6.125% | $315,000 | 23.5% |
| QUORUM FEDERAL CREDIT UNION | 12 | 9.188% | $110,000 | 27.8% |
| FlexPoint, Inc. | 11 | 6.875% | $265,000 | 0.0% |
| Citadel Servicing Corporation | 11 | 6.999% | $245,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 11 | 8.375% | $285,000 | 21.4% |
| DAS Acquisition Company, LLC | 11 | 6.750% | $305,000 | 8.3% |
| MISSION LOANS, LLC | 10 | 8.125% | $130,000 | 13.3% |
| Flagstar Bank, N.A. | 10 | 6.563% | $245,000 | 44.4% |
| CHAMPIONS FUNDING, LLC | 10 | 7.750% | $285,000 | 9.1% |
| CLEARPATH LENDING | 10 | 5.625% | $325,000 | 9.1% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 10 | 6.075% | $445,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 65.9% |
| VERITAS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | Under 10 loans | Under 10 loans | 89.3% |
| Mountain America Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 68.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 40.9% |
| Northpointe Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SOUTH RIVER MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN INTERNET MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 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% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORIA DEVELOPMENT, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| WASHINGTON FEDERAL BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MEMBER FIRST MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| Bank of Whittier, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 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% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| DOMINION FINANCIAL SERVICES, LLC | 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% |
| HOMEAMERICAN MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUMMIT FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Quontic Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 254900K39SBWA2QOUF69 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| American Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 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% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 14.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | 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 190 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Bernalillo County
104 FDIC-insured branches from 25 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Capra Bank, 400 Tijeras Ave. N.W., Suite 150, Albuquerque
Get told when this changes
When the next year’s lending figures are out for Bernalillo County, or a lender arrives or leaves.
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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.