Applications / Mortgage Analytics / Lenders / New Mexico / Citizens Bank of Las Cruces
Las Cruces, NM · State non-member bank · FDIC · $1.1 billion assets · 356 loans in 2025
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356
loans originated, 2025
414
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank of Las Cruces is the biggest mortgage lender in its home town, and its share there rose to 12.3% in 2025.
It ranks 1 of 231 lenders in Las Cruces, NM, where it has lent since at least 1990, with 12.3% of lending, up from 9.0%. United Wholesale Mortgage is second. Its loans rose 6%, to 356, near the middle of similar lenders (state non-member banks making between half and twice as many loans). The dollars it lent rose faster, to $152.7 million from $92.7 million.
Home purchases took 89.0% of its loans. FHA loans (insured by the Federal Housing Administration) made up 18.5%, and VA loans (guaranteed by the Department of Veterans Affairs) 10.4%; the typical similar lender made none of either. Its typical rate, 6.62%, was lower than at about three in four peers. It turned down 4.0% of first-lien home-purchase applications, close to peers' 4.8%.
Majority-minority areas took 80.6% of its loans, against 6.7% at similar lenders, which may reflect the makeup of its home market. Low- and moderate-income (LMI) borrowers took 10.2%, against 28.4%, among the lowest tenth of peers. Its focus on purchases and a typical loan of $255,000, against $185,000 at peers, may account for some of that.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Bank of Las Cruces took 414 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.0% · Refinance 8.7% · Home improvement 1.1% · Other 1.1%
Conventional 71.1% · FHA 18.5% · VA 10.4% · of 356 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Mexico | 338 | 94.9% |
| Texas | 12 | 3.4% |
| Arizona | 2 | 0.6% |
| Alabama | 1 | 0.3% |
| Colorado | 1 | 0.3% |
| Florida | 1 | 0.3% |
| Tennessee | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Las Cruces | 312 |
| El Paso | 10 |
| Albuquerque | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Chattanooga | 1 |
| Dallas-Plano-Irving | 1 |
| Denver-Aurora-Centennial | 1 |
| Huntsville | 1 |
| Lubbock | 1 |
| Santa Fe | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L5PE7ZGYRW5Q15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1016857 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320161 | 1990–2017 |
Established 6 April 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Bank of Las Cruces's data.
Citizens Bank of Las Cruces's data
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Citizens Bank of Las Cruces and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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