Safe Rate Rankings

Best FHA 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,056Fees	0.005%Below	67
2	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,850Fees	0.297%Above	28
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,194Fees	0.158%Above	91
4	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Exceptional	$4,137Fees	0.309%Above	75
5	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$5,145Fees	0.625%Above	25
6	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,374Fees	0.177%Above	24
7	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$1,890Fees	0.101%Below	14
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,563Fees	0.474%Above	73
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,857Fees	0.324%Above	67
10	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,643Fees	0.754%Above	57
11	PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$5,741Fees	0.494%Above	45
12	MORTGAGE EXPRESS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,992Fees	0.318%Above	40
13	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,087Fees	0.577%Above	32
14	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,773Fees	0.631%Above	15
15	LPMC, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$4,185Fees	0.191%Above	12
16	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$7,116Fees	0.064%Above	18
17	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,271Fees	0.671%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.