SBA lending by metro area
SBA lenders in Las Cruces, NM
Which lenders fund Las Cruces-area businesses, how much, and how the market compares with New Mexico: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Las Cruces area
Ranked by SBA volume funded to businesses located in the Las Cruces metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Enchantment Land Certified Development Company | 42 | $29.1M | $694K | not reported |
| 2 | PNC Bank, National Association | 18 | $14.8M | $823K | not reported |
| 3 | Bank of the Southwest | 30 | $14.3M | $478K | 0.00% |
| 4 | Wells Fargo Bank National Association | 67 | $10.6M | $158K | 2.99% |
| 5 | First American Bank | 18 | $7.9M | $440K | not reported |
| 6 | Capital Certified Development Corporation | 9 | $6.6M | $729K | not reported |
| 7 | U.S. Bank, National Association | 37 | $6.2M | $169K | 2.70% |
| 8 | Citizens Bank of Las Cruces | 7 | $4.9M | $694K | not reported |
| 9 | Readycap Lending, LLC | 7 | $4.7M | $678K | not reported |
| 10 | WestStar Bank | 8 | $4.6M | $580K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Las Cruces compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Las Cruces area | $160K ▼ 20.0% | 16.3% ▲ 3.8 pts |
| New Mexico | $200K | 12.5% |
| United States | $179K | 11.2% |
What gets funded in Las Cruces
| Industry | Loans | Total funded |
|---|---|---|
| Health Care and Social Assistance | 73 | $46.6M |
| Accommodation and Food Services | 47 | $38.3M |
| Retail Trade | 41 | $13.3M |
| Manufacturing | 30 | $12.6M |
| Transportation and Warehousing | 17 | $12.3M |
| Real Estate | 12 | $8.8M |
| Professional and Technical Services | 36 | $7.7M |
| Construction | 41 | $7.5M |
SBA lending in Las Cruces by year
Geography, precisely
"Las Cruces area" here means the Las Cruces, NM metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Doña Ana County, NM. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.