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Safe Rate's TrueRank Guarantee
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 FHA Mortgage Lenders in Albuquerque
Updated February 5, 2026
Market Overview
95
Total Lenders
10,666
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,140 | +0.110% | 826 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,981 | +0.240% | 192 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,325 | -0.130% | 77 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,505 | +0.306% | 763 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,782 | -0.154% | 204 | |
6 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,277 | +0.335% | 127 | |
7 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,009 | +0.319% | 82 | |
8 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,844 | -0.027% | 32 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,437 | +0.503% | 901 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,764 | +0.386% | 171 | |
11 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,784 | +0.370% | 50 | |
12 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,781 | +0.565% | 1,030 | |
13 | BOKF, National Association | Strong | Acceptable | Strong | Strong | Exceptional | $2,139 | +0.326% | 463 | |
14 | NUSENDA | Strong | Sound | Sound | Sound | Exceptional | $1,267 | -0.244% | 353 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,109 | +0.374% | 230 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,721 | +0.383% | 96 | |
17 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,643 | +0.070% | 96 | |
18 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,644 | +0.537% | 82 | |
19 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,088 | +0.495% | 66 | |
20 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,689 | +0.718% | 66 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $3,189 | +0.405% | 45 | |
22 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $3,159 | +0.334% | 37 | |
23 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,521 | +0.341% | 23 | |
24 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,930 | +0.494% | 627 | |
25 | HOMETRUST MORTGAGE COMPANY | Strong | Acceptable | Strong | Sound | Exceptional | $3,863 | +0.370% | 166 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $1,416 | +0.145% | 54 | |
27 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,369 | +0.152% | 48 | |
28 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,402 | +0.102% | 39 | |
29 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,509 | +0.268% | 37 | |
30 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,243 | +0.667% | 37 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,733 | +0.131% | 28 | |
32 | CALCON MUTUAL MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,393 | +0.424% | 154 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,746 | +0.622% | 88 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,780 | -0.119% | 43 | |
35 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $4,328 | +0.589% | 33 | |
36 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $5,463 | +0.389% | 31 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $6,246 | +0.410% | 26 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,123 | +0.369% | 26 | |
39 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,632 | +0.677% | 23 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,148 | +0.619% | 62 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,983 | +0.401% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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