Citizens Bank of Las Cruces has 256 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Citizens Bank of Las Cruces performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+28.7 bps above market avg
4/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
186 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
FHA
46 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
VA
22 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
243 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
Refinance
13 loans · 0.30% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Exceptional
Top 5% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 186 | 72.7% | +0.285%Above | $1,290Fees | ||||
FHA Loans | 46 | 18.0% | +0.392%Above | $1,663Fees | ||||
VA Loans | — | 22 | 8.6% | +0.031%Above | $1,149Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume186
Mix72.7%
Spread
+0.285%Above
Fees
$1,290Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume46
Mix18.0%
Spread
+0.392%Above
Fees
$1,663Fees
VA Loans
OverallExceptional
ProductStrong
Pricing—
Pull ThroughExceptional
Volume22
Mix8.6%
Spread
+0.031%Above
Fees
$1,149Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 243 | 94.9% | +0.286%Above | $1,371Fees | ||||
Refinance | — | — | 13 | 5.1% | +0.304%Above | $1,041Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume243
Mix94.9%
Spread
+0.286%Above
Fees
$1,371Fees
Refinance
OverallSound
ProductSound
Pricing—
Pull Through—
Volume13
Mix5.1%
Spread
+0.304%Above
Fees
$1,041Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
256
Applications
289
Volume
$75 million
Pricing & Closing
Avg Rate Spread
+0.287%
vs. market APOR
Avg Net Fees
$1,353
Origination − Credits
Pullthrough Rate
88.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$294,375
Avg Borrower Income
$145,195
Avg Property Value
$393,359
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 200200+None
South1
TX
West2
AZNM
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.