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Citizens Bank of Las Cruces, Genuine Hometown Banking
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Apply Online

Click Apply Now to start your loan application. As you complete the application, please use your best estimate if documentation is not available.


The following online calculators serve as helpful tools during the mortgage process.


Whether you are buying, building or refinancing an existing mortgage, Citizens Bank is right there beside you with professional assistance.
  • FHA Loans
  • First time home buyer
  • VA Loans
  • Refinance
  • Conventional Loans
  • Refinance with cash out

The Citizens Bank advantage:
  • Local mortgage lending experts that are committed to helping you every step of the way
  • In-house processing allows us to get your loan completed quickly
  • Competitive rates
  • Apply online or call one of our lenders
  • Learn More 
Picture of Eddie DeArmond
Eddie DeArmond
Main Branch 
MLO# 803168
edearmond@citizenslc.com
(575) 528-6320
Picture of Latson Munn Jr.
Latson F. Munn, Jr.
Main Branch
MLO# 867055
lmunn@citizenslc.com
(575) 647-4122
Picture of Meghan Quinones
Meghan Quinones
University Branch
MLO# 1002030
mquinones@citizenslc.com
(575) 647-6714
Valerie Carlo
Valerie Carlo
Citizens Loan Center
MLO# 1700415
vcarlo@citizenslc.com
(915) 637-7750

What you will need
Documentation for all borrowers, to include:
  • Social Security Number
  • Contact and employment information
  • Income, assets, and liabilities information

After you have finished
We will contact you to:
  • Guide you through the loan process
  • Complete your loan application package
  • Help you select the best program and interest rate
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Mobile Banking

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Debit Card

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