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Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Conventional Mortgage Lenders in Albuquerque

Updated February 5, 2026

Market Overview

Total Lenders

10,666

Total Loans

0.24%

Median Rate Spread

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

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Albuquerque, NMConventional

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