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Top home equity lenders in New Mexico (2025)

Open-end home equity lines of credit. Denial rates run far higher on HELOCs than on purchase mortgages, so compare these lenders only with each other.

74kApplications in NM
24.7%State decision denial rate
6.63%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
New Mexico ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeHELOC applicationsApplicationsDenial rateMedian rate
1 NusendaAlbuquerque, NM D 700 2,962 13.7% 8.00%
2 Sunward Federal Credit UnionAlbuquerque, NM B 393 1,765 9.1% 6.50%
3 Loandepot.ComIrvine, CA D 375 1,441 24.6% 6.75%
4 Coastal Community BankEverett, WA C 368 597 2.7% 10.24%
5 U.S. EagleAlbuquerque, NM D 340 554 17.9% 6.99%
6 Figure LendingCharlotte, NC C 307 443 27.5% 8.60%
7 Spring EqConshohocken, PA D 298 559 48.8% 9.28%
8 U.S. BankCincinnati, OH D 278 825 45.6% 7.64%
9 Nationstar MortgageCoppell, TX C 261 676 14.1% 7.49%
10 Pennymac Loan ServicesWestlake Village, CA C 258 1,330 12.3% 6.38%
11 BOKFTulsa, OK D 244 1,345 17.1% 6.63%
12 Bank of AmericaCharlotte, NC F 225 1,033 40.6% 6.25%
13 Navy Federal Credit UnionVienna, VA D 218 1,085 17.3% 6.63%
14 Rocket MortgagePlymouth, MI C 208 4,440 20.5% 6.75%
15 Sandia AreaAlbuquerque, NM F 203 728 24.9% —
16 Kirtland Federal Credit UnionAlbuquerque, NM D 194 891 22.3% 7.50%
17 Sofi BankCottonwood Heights, UT D 165 310 9.0% 7.19%
18 Discover BankGreenwood, DE F 164 356 54.2% 8.74%
19 BMO BankChicago, IL F 143 441 37.6% 8.48%
20 Broker SolutionsTustin, CA D 123 994 10.3% 6.88%
21 Lakeview Loan ServicingCoral Gables, FL C 116 465 37.6% 6.43%
22 PNC BankWilmington, DE D 104 339 29.8% 6.75%
23 Better MortgageNew York, NY F 100 275 30.2% 6.88%
24 Del Norte Credit UnionSanta Fe, NM C 95 462 13.6% 5.88%
25 Crosscountry MortgageCleveland, OH B 87 775 3.6% 6.38%
26 Rio GrandeAlbuquerque, NM D 68 254 21.3% —
27 JPMorgan Chase BankColumbus, OH B 63 843 7.7% 6.50%
28 Mutual of Omaha MortgageSan Diego, CA C 59 373 21.2% 6.25%
29 LendageSan Mateo, CA B 50 97 13.4% 11.50%
30 UMB BankKansas City, B 50 207 43.0% 5.99%
31 Mission LoansColumbus, OH D 48 139 2.9% 8.31%
32 First Financial Credit UnionAlbuquerque, NM D 45 199 15.1% 6.94%
33 Wells Fargo BankCharlotte, NC B 43 485 16.7% 6.50%
34 Homebridge Financial ServicesIselin, NJ B 35 174 20.7% 7.63%
35 Pentagon Federal Credit UnionMclean, VA F 26 126 31.0% 7.31%
36 AMERICA FIRST Federal Credit UnionRiverdale, UT C 25 91 33.0% 6.99%
37 Guaranteed RateChicago, IL B 24 587 6.8% 6.60%
38 Finance of America ReverseTulsa, OK C 23 65 9.2% 6.25%
39 Mountain America Federal Credit UnionSandy, UT D 23 79 57.0% 7.50%
40 The Loan StoreSan Francisco, CA B 23 161 7.5% 6.88%
41 Zions BancorporationSalt Lake City, UT B 20 64 34.4% 7.75%
42 Valon MortgagePhoenix, AZ C 19 61 18.0% 8.03%
43 Alliant Credit UnionChicago, IL D 16 56 14.3% 6.63%
44 White SandsLas Cruces, NM – 15 49 16.3% 6.75%
45 Longbridge FinancialMahwah, NJ F 15 69 1.5% 6.25%
46 First New Mexico Bank, Las CrucesLas Cruces, NM – 15 87 37.9% —
47 CitibankSioux Falls, SD B 14 37 16.2% 6.63%
48 CMG MortgageSan Ramon, CA A 14 1,225 5.3% 6.63%
49 American FinancingAurora, CO D 13 186 42.5% 5.88%
50 New Day FinancialWest Palm Beach, FL F 13 423 18.4% 6.75%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.