Safe Rate Rankings

Best FHA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,140Fees	0.110%Above	826
2	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,981Fees	0.240%Above	192
3	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Sound	Strong	$1,325Fees	0.130%Below	77
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,505Fees	0.306%Above	763
5	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,782Fees	0.154%Below	204
6	KIND LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,277Fees	0.335%Above	127
7	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,009Fees	0.319%Above	82
8	GoodLeap, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$3,844Fees	0.027%Below	32
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,437Fees	0.503%Above	901
10	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,764Fees	0.386%Above	171
11	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,784Fees	0.370%Above	50
12	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$3,781Fees	0.565%Above	1,030
13	BOKF, National AssociationBank	Strong	Acceptable	Strong	Strong	Exceptional	$2,139Fees	0.326%Above	463
14	NUSENDACredit Union	Strong	Sound	Sound	Sound	Exceptional	$1,267Fees	0.244%Below	353
15	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,109Fees	0.374%Above	230
16	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,643Fees	0.070%Above	96
17	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,721Fees	0.383%Above	96
18	Sunflower Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,644Fees	0.537%Above	82
19	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,689Fees	0.718%Above	66
20	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,088Fees	0.495%Above	66
21	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,189Fees	0.405%Above	45
22	HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,159Fees	0.334%Above	37
23	MORIA DEVELOPMENT, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,521Fees	0.341%Above	23
24	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,930Fees	0.494%Above	627
25	HOMETRUST MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,863Fees	0.370%Above	166
26	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,416Fees	0.145%Above	54
27	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,369Fees	0.152%Above	48
28	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,402Fees	0.102%Above	39
29	BAY EQUITY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,509Fees	0.268%Above	37
30	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,243Fees	0.667%Above	37
31	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,733Fees	0.131%Above	28
32	CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,393Fees	0.424%Above	154
33	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,746Fees	0.622%Above	88
34	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,780Fees	0.119%Below	43
35	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,328Fees	0.589%Above	33
36	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$5,463Fees	0.389%Above	31
37	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$6,246Fees	0.410%Above	26
38	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$5,123Fees	0.369%Above	26
39	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$2,632Fees	0.677%Above	23
40	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,148Fees	0.619%Above	62
41	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$2,983Fees	0.401%Above	46

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.