Safe Rate Rankings

Best Jumbo 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.
Total Lenders95
Total Loans10,666
Median Rate Spread0.24%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Sandia Laboratory Federal Credit UnionCredit Union
Exceptional
Strong
Strong
Strong
Exceptional
$1,197Fees
0.561%Below
270
2
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$4,437Fees
0.503%Above
901
3
BOKF, National AssociationBank
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,139Fees
0.326%Above
463
4
Kirtland Federal Credit UnionCredit Union
Sound
Acceptable
—
Sound
Strong
$3,520Fees
0.234%Below
109

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.