# Best VA Mortgage Lenders in Albuquerque, NM

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

Compare the top VA 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/va-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 | 95 | 64 | 83 | 826 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 192 | Independent Mortgage Company |
| 3 | KIND LENDING, LLC | 85 | 64 | 67 | 127 | Independent Mortgage Company |
| 4 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 96 | Independent Mortgage Company |
| 5 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 77 | Independent Mortgage Company |
| 6 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 230 | Independent Mortgage Company |
| 7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 171 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 138 | Credit Union |
| 9 | Bell Bank | 83 | 49 | 82 | 96 | Bank |
| 10 | NBKC BANK | 83 | 91 | 75 | 32 | Bank |
| 11 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 763 | Independent Mortgage Company |
| 12 | JPMorgan Chase Bank, National Association | 79 | 75 | 54 | 307 | Bank |
| 13 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 204 | Independent Mortgage Company |
| 14 | USAA Federal Savings Bank | 79 | 62 | 58 | 100 | Bank |
| 15 | Flagstar Bank, N.A. | 79 | 56 | 68 | 82 | Bank |
| 16 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 66 | Independent Mortgage Company |
| 17 | MOVEMENT MORTGAGE, LLC | 77 | 45 | 81 | 28 | Independent Mortgage Company |
| 18 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 901 | Independent Mortgage Company |
| 19 | NUSENDA | 73 | 67 | 56 | 353 | Credit Union |
| 20 | NEWREZ LLC | 73 | 47 | 63 | 45 | Independent Mortgage Company |
| 21 | MUTUAL OF OMAHA MORTGAGE, INC. | 73 | 46 | 60 | 43 | Independent Mortgage Company |
| 22 | BOKF, National Association | 71 | 25 | 73 | 463 | Bank |
| 23 | Mortgage Research Center, LLC | 71 | 34 | 61 | 202 | Independent Mortgage Company |
| 24 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 88 | Independent Mortgage Company |
| 25 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 71 | 26 | 69 | 66 | Independent Mortgage Company |
| 26 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 69 | 46 | 61 | 37 | Independent Mortgage Company |
| 27 | CALCON MUTUAL MORTGAGE LLC | 67 | 25 | 62 | 154 | Independent Mortgage Company |
| 28 | Sunflower Bank, National Association | 67 | 26 | 72 | 82 | Bank |
| 29 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 32 | 71 | 62 | Independent Mortgage Company |
| 30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 22 | 79 | 54 | Independent Mortgage Company |
| 31 | Sierra Pacific Mortgage Company, Inc. | 66 | 38 | 77 | 48 | Independent Mortgage Company |
| 32 | BAY EQUITY LLC | 66 | 38 | 73 | 37 | Independent Mortgage Company |
| 33 | GoodLeap, LLC | 64 | 50 | 55 | 32 | Independent Mortgage Company |
| 34 | Waterstone Mortgage Corporation | 63 | 8 | 78 | 1,030 | Independent Mortgage Company |
| 35 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 63 | 12 | 73 | 627 | Independent Mortgage Company |
| 36 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 63 | 35 | 70 | 39 | Independent Mortgage Company |
| 37 | DIRECTORS MORTGAGE, INC. | 60 | N/A | 79 | 222 | Independent Mortgage Company |
| 38 | HOMETRUST MORTGAGE COMPANY | 60 | 15 | 77 | 166 | Independent Mortgage Company |
| 39 | Kirtland Federal Credit Union | 58 | 39 | 49 | 109 | Credit Union |
| 40 | AMERISAVE MORTGAGE CORPORATION | 58 | 21 | 42 | 31 | Independent Mortgage Company |
| 41 | Click n' Close, Inc. | 53 | 1 | 57 | 90 | Independent Mortgage Company |
| 42 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 58 | 46 | Independent Mortgage Company |
| 43 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 42 | Independent Mortgage Company |
| 44 | The Federal Savings Bank | 52 | 9 | 54 | 26 | Bank |

## 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.