Safe Rate Rankings

Best FHA Mortgage Lenders in Albany

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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.

Market

Total Lenders22

Total Loans837

Median Rate Spread0.43%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Flagstar Bank, N.A.Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,930Fees	0.570%Above	175
2	COLONY BANKBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,951Fees	0.465%Above	61
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,582Fees	0.274%Above	60
4	Synovus BankBank	Exceptional	Strong	Strong	Strong	Strong	$3,016Fees	0.092%Above	48
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,277Fees	0.769%Above	18
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,761Fees	0.460%Above	121
7	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,212Fees	0.444%Above	42
8	Renasant BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,155Fees	0.485%Above	35
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$1,255Fees	0.435%Above	16
10	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,785Fees	0.475%Above	26
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,385Fees	0.890%Above	16
12	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,146Fees	0.597%Above	12
13	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,032Fees	0.463%Above	11
14	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,514Fees	0.158%Above	16
15	SOUTHPOINT FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$6,392Fees	0.145%Above	12
16	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,976Fees	0.992%Above	12
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$4,257Fees	0.335%Above	16

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.