# Best Mortgage Lenders in Albuquerque, NM

**As of:** 2026-05-19

Compare the top mortgage lenders in Albuquerque, NM. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/albuquerque-nm/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 95
- **Total Loans:** 10,666
- **Median Rate Spread:** 0.24356043956043957%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NUSENDA | 86 | 67 | 70 | 353 | Credit Union |
| 2 | Sandia Laboratory Federal Credit Union | 86 | 74 | 75 | 270 | Credit Union |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 826 | Independent Mortgage Company |
| 4 | Bank of America, National Association | 80 | 73 | 75 | 80 | Bank |
| 5 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 138 | Credit Union |
| 6 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 901 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 763 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 307 | Bank |
| 9 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 204 | Independent Mortgage Company |
| 10 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 192 | Independent Mortgage Company |
| 11 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 97 | Bank |
| 12 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 96 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 77 | Independent Mortgage Company |
| 14 | U.S. Bank National Association | 73 | 75 | 71 | 53 | Bank |
| 15 | NBKC BANK | 71 | 91 | 59 | 32 | Bank |
| 16 | SIRVA MORTGAGE, INC. | 71 | 85 | 41 | 24 | Independent Mortgage Company |
| 17 | BOKF, National Association | 68 | 39 | 71 | 463 | Bank |
| 18 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 230 | Independent Mortgage Company |
| 19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 171 | Independent Mortgage Company |
| 20 | Bell Bank | 68 | 35 | 82 | 96 | Bank |
| 21 | BAY EQUITY LLC | 66 | 43 | 65 | 37 | Independent Mortgage Company |
| 22 | Colorado Federal Savings Bank | 66 | 73 | 51 | 26 | Bank |
| 23 | USAA Federal Savings Bank | 66 | 54 | 45 | 100 | Bank |
| 24 | Mortgage Research Center, LLC | 63 | 34 | 70 | 202 | Independent Mortgage Company |
| 25 | KIND LENDING, LLC | 63 | 39 | 73 | 127 | Independent Mortgage Company |
| 26 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 88 | Independent Mortgage Company |
| 27 | Sunflower Bank, National Association | 63 | 35 | 71 | 82 | Bank |
| 28 | Flagstar Bank, N.A. | 63 | 40 | 76 | 82 | Bank |
| 29 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 63 | 23 | 74 | 66 | Independent Mortgage Company |
| 30 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 66 | Independent Mortgage Company |
| 31 | HOMETRUST MORTGAGE COMPANY | 62 | 21 | 55 | 166 | Independent Mortgage Company |
| 32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 62 | 26 | 87 | 54 | Independent Mortgage Company |
| 33 | MOVEMENT MORTGAGE, LLC | 62 | 32 | 84 | 28 | Independent Mortgage Company |
| 34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 27 | Independent Mortgage Company |
| 35 | Nations Lending Corporation | 62 | 30 | 93 | 25 | Independent Mortgage Company |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 43 | Independent Mortgage Company |
| 37 | BMO Bank National Association | 60 | 60 | 57 | 32 | Bank |
| 38 | GoodLeap, LLC | 60 | 52 | 56 | 32 | Independent Mortgage Company |
| 39 | Kirtland Federal Credit Union | 58 | 39 | 49 | 109 | Credit Union |
| 40 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 62 | Independent Mortgage Company |
| 41 | Plains Commerce Bank | 58 | 37 | 67 | 50 | Bank |
| 42 | Sierra Pacific Mortgage Company, Inc. | 58 | 32 | 80 | 48 | Independent Mortgage Company |
| 43 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 58 | 28 | 68 | 39 | Independent Mortgage Company |
| 44 | VAN DYK MORTGAGE CORPORATION | 58 | 27 | 67 | 37 | Independent Mortgage Company |
| 45 | Waterstone Mortgage Corporation | 54 | 15 | 80 | 1,030 | Independent Mortgage Company |
| 46 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 54 | 17 | 75 | 627 | Independent Mortgage Company |
| 47 | DIRECTORS MORTGAGE, INC. | 54 | N/A | 75 | 222 | Independent Mortgage Company |
| 48 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 46 | Independent Mortgage Company |
| 49 | NEWREZ LLC | 52 | 35 | 59 | 45 | Independent Mortgage Company |
| 50 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 52 | 35 | 55 | 37 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Albuquerque, NM.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.