Safe Rate Rankings

Best Mortgage Lenders in Albany

Updated February 6, 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 Lenders29

Total Loans947

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,056Fees	0.005%Below	67
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,194Fees	0.158%Above	91
3	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,563Fees	0.474%Above	73
4	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,857Fees	0.324%Above	67
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,850Fees	0.297%Above	28
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$5,145Fees	0.625%Above	25
7	PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$5,741Fees	0.494%Above	45
8	MORTGAGE EXPRESS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,992Fees	0.318%Above	40
9	Oregon State Credit UnionCredit Union	Strong	Sound	Sound	Strong	$3,393Fees	0.218%Above	21
10	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Exceptional	$4,137Fees	0.309%Above	75
11	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$4,643Fees	0.754%Above	57
12	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,087Fees	0.577%Above	32
13	Umpqua BankBank	Strong	Acceptable	Strong	Strong	$3,969Fees	0.233%Above	28
14	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,374Fees	0.177%Above	24
15	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,677Fees	0.150%Above	20

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.