Safe Rate Rankings

Best All Lender Mortgage Lenders in Albuquerque

Updated May 19, 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 Lenders95

Total Loans10,666

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NUSENDACredit Union	Exceptional	Strong	Strong	Exceptional	$1,267Fees	0.244%Below	353
2	Sandia Laboratory Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	$1,197Fees	0.561%Below	270
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,370Fees	0.618%Below	138
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,140Fees	0.110%Above	826
5	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$2,038Fees	0.098%Below	80
6	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$1,197Fees	0.226%Below	32
7	SIRVA MORTGAGE, INC.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$28Fees	0.042%Above	24
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,496Fees	0.100%Above	97
9	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$1,437Fees	0.146%Above	53
10	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,437Fees	0.503%Above	901
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,505Fees	0.306%Above	763
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$3,006Fees	0.078%Above	307
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,782Fees	0.154%Below	204
14	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,981Fees	0.240%Above	192
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,721Fees	0.383%Above	96
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,325Fees	0.130%Below	77
17	Colorado Federal Savings BankBank	Strong	Strong	Sound	Sound	$2,571Fees	0.108%Above	26
18	BOKF, National AssociationBank	Strong	Acceptable	Strong	Exceptional	$2,139Fees	0.326%Above	463
19	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,109Fees	0.374%Above	230
20	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,764Fees	0.386%Above	171
21	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,926Fees	0.134%Below	100
22	Bell BankBank	Strong	Acceptable	Exceptional	Strong	$3,643Fees	0.070%Above	96
23	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,509Fees	0.268%Above	37
24	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,906Fees	0.091%Above	202
25	HOMETRUST MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Sound	Exceptional	$3,863Fees	0.370%Above	166
26	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,277Fees	0.335%Above	127
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,746Fees	0.622%Above	88
28	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	$2,644Fees	0.537%Above	82
29	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,009Fees	0.319%Above	82
30	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,689Fees	0.718%Above	66
31	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,088Fees	0.495%Above	66
32	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,416Fees	0.145%Above	54
33	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,780Fees	0.119%Below	43
34	BMO Bank National AssociationBank	Strong	Sound	Sound	Sound	$1,848Fees	0.388%Above	32
35	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$3,844Fees	0.027%Below	32
36	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,733Fees	0.131%Above	28
37	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,137Fees	0.251%Above	27
38	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,595Fees	0.449%Above	25
39	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$3,781Fees	0.565%Above	1,030
40	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$3,930Fees	0.494%Above	627
41	Kirtland Federal Credit UnionCredit Union	Sound	Acceptable	Sound	Strong	$3,520Fees	0.234%Below	109
42	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,148Fees	0.619%Above	62
43	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$2,784Fees	0.370%Above	50
44	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,369Fees	0.152%Above	48
45	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,402Fees	0.102%Above	39
46	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,243Fees	0.667%Above	37
47	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,983Fees	0.401%Above	46
48	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,189Fees	0.405%Above	45
49	HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,159Fees	0.334%Above	37

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.