2025 · New Mexico
Most active investment-property lenders in New Mexico
In 2025, 1,956 investment-property loans were originated on single-family 1-4 unit homes in New Mexico. These are the lenders that wrote the most of them, by HMDA-reported volume.
New Mexico lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | United Shore Financial Services, LLC | DSCR / biz | 170 | $41M | 100% |
| 2 | Rocket Mortgage, LLC | Conventional | 103 | $22M | 1% |
| 3 | Guild Mortgage Company | DSCR / biz | 64 | $13M | 100% |
| 4 | Waterstone Mortgage Corporation | Mixed | 59 | $16M | 22% |
| 5 | Sunward Federal Credit Union | Mixed | 52 | $15M | 56% |
| 6 | Nusenda | Conventional | 46 | $11M | 4% |
| 7 | Primary Residential Mortgage, Inc. | Mixed | 38 | $10M | 55% |
| 8 | American Heritage Lending, LLC | DSCR / biz | 37 | $10M | 100% |
| 9 | The Loan Store, Inc. | Mixed | 37 | $9M | 24% |
| 10 | Citizens Bank of Las Cruces | DSCR / biz | 37 | $8M | 100% |
Lenders with at least 10 reported investor originations in New Mexico, top 10.
How investors borrow in New Mexico
The rate premium, denial rate, and DSCR share in New Mexico — Investor Financing Report.
Where New Mexico cash-flows
Gross rental yield and top metros in New Mexico — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in New Mexico?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in New Mexico were United Shore Financial Services, LLC (170 originations), Rocket Mortgage, LLC (103), and Guild Mortgage Company (64). 1,956 investor loans were originated statewide.
Which New Mexico lenders focus on DSCR / business-purpose loans?
Lenders whose New Mexico investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include United Shore Financial Services, LLC, Guild Mortgage Company, American Heritage Lending, LLC, Citizens Bank of Las Cruces. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Run a New Mexico deal
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.