# Best FHA Mortgage Lenders in Albuquerque, NM

**As of:** 2026-05-19

Compare the top FHA mortgage lenders in Albuquerque, NM. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/albuquerque-nm/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 95
- **Total Loans:** 10,666
- **Median Rate Spread:** 0.24356043956043957%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 826 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 192 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 763 | Independent Mortgage Company |
| 4 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 204 | Independent Mortgage Company |
| 5 | KIND LENDING, LLC | 79 | 55 | 71 | 127 | Independent Mortgage Company |
| 6 | Flagstar Bank, N.A. | 79 | 58 | 71 | 82 | Bank |
| 7 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 77 | Independent Mortgage Company |
| 8 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 901 | Independent Mortgage Company |
| 9 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 171 | Independent Mortgage Company |
| 10 | Plains Commerce Bank | 73 | 47 | 66 | 50 | Bank |
| 11 | GoodLeap, LLC | 73 | 62 | 58 | 32 | Independent Mortgage Company |
| 12 | BOKF, National Association | 71 | 39 | 73 | 463 | Bank |
| 13 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 230 | Independent Mortgage Company |
| 14 | Bell Bank | 71 | 36 | 80 | 96 | Bank |
| 15 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 96 | Independent Mortgage Company |
| 16 | Sunflower Bank, National Association | 71 | 39 | 72 | 82 | Bank |
| 17 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 71 | 30 | 75 | 66 | Independent Mortgage Company |
| 18 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 66 | Independent Mortgage Company |
| 19 | MORIA DEVELOPMENT, INC. | 70 | 21 | 82 | 23 | Independent Mortgage Company |
| 20 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 69 | 60 | 61 | 37 | Independent Mortgage Company |
| 21 | NUSENDA | 68 | 59 | 55 | 353 | Credit Union |
| 22 | NEWREZ LLC | 68 | 52 | 56 | 45 | Independent Mortgage Company |
| 23 | Waterstone Mortgage Corporation | 67 | 11 | 80 | 1,030 | Independent Mortgage Company |
| 24 | HOMETRUST MORTGAGE COMPANY | 66 | 32 | 58 | 166 | Independent Mortgage Company |
| 25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 54 | Independent Mortgage Company |
| 26 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 75 | 48 | Independent Mortgage Company |
| 27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 66 | 28 | 66 | 39 | Independent Mortgage Company |
| 28 | BAY EQUITY LLC | 66 | 37 | 72 | 37 | Independent Mortgage Company |
| 29 | VAN DYK MORTGAGE CORPORATION | 66 | 32 | 68 | 37 | Independent Mortgage Company |
| 30 | MOVEMENT MORTGAGE, LLC | 66 | 30 | 79 | 28 | Independent Mortgage Company |
| 31 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 63 | 9 | 74 | 627 | Independent Mortgage Company |
| 32 | MASON MCDUFFIE MORTGAGE CORPORATION | 63 | 29 | 77 | 33 | Independent Mortgage Company |
| 33 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 43 | Independent Mortgage Company |
| 34 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 31 | Independent Mortgage Company |
| 35 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 26 | Independent Mortgage Company |
| 36 | DIRECTORS MORTGAGE, INC. | 60 | N/A | 75 | 222 | Independent Mortgage Company |
| 37 | CALCON MUTUAL MORTGAGE LLC | 60 | 17 | 62 | 154 | Independent Mortgage Company |
| 38 | Click n' Close, Inc. | 60 | N/A | 63 | 90 | Independent Mortgage Company |
| 39 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 88 | Independent Mortgage Company |
| 40 | AMERICAN PACIFIC MORTGAGE CORPORATION | 59 | 10 | 81 | 26 | Independent Mortgage Company |
| 41 | EVERETT FINANCIAL, INC. | 59 | 9 | 80 | 23 | Independent Mortgage Company |
| 42 | CROSSCOUNTRY MORTGAGE, LLC | 56 | 19 | 69 | 62 | Independent Mortgage Company |
| 43 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 46 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Albuquerque, NM.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.