Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,370Fees	0.618%Below	138
2	NUSENDACredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,267Fees	0.244%Below	353
3	Sandia Laboratory Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,197Fees	0.561%Below	270
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,038Fees	0.098%Below	80
5	BOKF, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,139Fees	0.326%Above	463
6	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,496Fees	0.100%Above	97
7	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,437Fees	0.146%Above	53
8	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,197Fees	0.226%Below	32
9	SIRVA MORTGAGE, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Sound	$28Fees	0.042%Above	24
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,140Fees	0.110%Above	826
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,505Fees	0.306%Above	763
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$3,006Fees	0.078%Above	307
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,782Fees	0.154%Below	204
14	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,088Fees	0.495%Above	66
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,437Fees	0.503%Above	901
16	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,930Fees	0.494%Above	627
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,325Fees	0.130%Below	77
18	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,780Fees	0.119%Below	43
19	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,509Fees	0.268%Above	37
20	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$1,848Fees	0.388%Above	32
21	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Sound	$2,571Fees	0.108%Above	26
22	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,109Fees	0.374%Above	230
23	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,981Fees	0.240%Above	192
24	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,764Fees	0.386%Above	171
25	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,277Fees	0.335%Above	127
26	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,643Fees	0.070%Above	96
27	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,721Fees	0.383%Above	96
28	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,746Fees	0.622%Above	88
29	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,009Fees	0.319%Above	82
30	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,595Fees	0.449%Above	25
31	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,781Fees	0.565%Above	1,030
32	Kirtland Federal Credit UnionCredit Union	Strong	Sound	Sound	Sound	Strong	$3,520Fees	0.234%Below	109
33	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,926Fees	0.134%Below	100
34	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Strong	$2,644Fees	0.537%Above	82
35	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,148Fees	0.619%Above	62
36	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,416Fees	0.145%Above	54
37	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,784Fees	0.370%Above	50
38	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,369Fees	0.152%Above	48
39	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,402Fees	0.102%Above	39
40	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,844Fees	0.027%Below	32
41	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,733Fees	0.131%Above	28
42	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,137Fees	0.251%Above	27
43	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$4,906Fees	0.091%Above	202
44	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,983Fees	0.401%Above	46
45	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,189Fees	0.405%Above	45
46	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,328Fees	0.589%Above	33
47	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,243Fees	0.667%Above	37
48	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,123Fees	0.369%Above	26
49	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,632Fees	0.677%Above	23

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.