Safe Rate Rankings

Best FHA Mortgage Lenders in Albuquerque

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Albuquerque Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked FHA lender in Albuquerque, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Albuquerque, Pennymac Loan Services and Freedom Mortgage scores highest on FHA pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Albuquerque, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Albuquerque: Rocket Mortgage (#2) and Waterstone Mortgage (#11).

Explore Rankings by Type

Overall Rankings

All lenders in Albuquerque

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Exceptional	Exceptional	$3,140Fees	0.110%Above	826
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,505Fees	0.306%Above	763
3	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,437Fees	0.503%Above	901
4	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,782Fees	0.154%Below	204
5	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,981Fees	0.240%Above	192
6	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$1,325Fees	0.130%Below	77
7	BOKF, National Association BankDirect	Strong	Acceptable	Strong	Strong	Exceptional	$2,139Fees	0.326%Above	463
8	DIRECTORS MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	—	Strong	Strong	Exceptional	—	—	222
9	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,277Fees	0.335%Above	127
10	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,009Fees	0.319%Above	82
11	Waterstone Mortgage Corporation Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$3,781Fees	0.565%Above	1,030
12	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,109Fees	0.374%Above	230
13	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,764Fees	0.386%Above	171
14	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,416Fees	0.145%Above	54
15	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,930Fees	0.494%Above	627
16	NUSENDA Credit UnionDirect	Strong	Sound	Sound	Sound	Exceptional	$1,267Fees	0.244%Below	353
17	Bell Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,643Fees	0.070%Above	96
18	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,721Fees	0.383%Above	96
19	Plains Commerce Bank BankWholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,784Fees	0.370%Above	50
20	Sunflower Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,644Fees	0.537%Above	82
21	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Sound	$3,189Fees	0.405%Above	45
22	HOMEBRIDGE FINANCIAL SERVICES, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Strong	Strong	Sound	$3,159Fees	0.334%Above	37
23	GoodLeap, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Sound	Sound	$3,844Fees	0.027%Below	32
24	MORTGAGE SOLUTIONS OF COLORADO, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,689Fees	0.718%Above	66
25	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,369Fees	0.152%Above	48
26	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,733Fees	0.131%Above	28
27	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,088Fees	0.495%Above	66
28	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,509Fees	0.268%Above	37
29	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Sound	$4,148Fees	0.619%Above	62
30	HOMETRUST MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Sound	Exceptional	$3,863Fees	0.370%Above	166
31	VAN DYK MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,243Fees	0.667%Above	37
32	MASON MCDUFFIE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Sound	$4,328Fees	0.589%Above	33
33	CALCON MUTUAL MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,393Fees	0.424%Above	154
34	MORIA DEVELOPMENT, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Exceptional	Sound	$2,521Fees	0.341%Above	23
35	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$1,780Fees	0.119%Below	43
36	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,402Fees	0.102%Above	39
37	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	Sound	$5,123Fees	0.369%Above	26
38	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Sound	$2,983Fees	0.401%Above	46
39	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	Sound	$2,632Fees	0.677%Above	23
40	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$3,746Fees	0.622%Above	88
41	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$6,246Fees	0.410%Above	26
42	Click n' Close, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	—	—	90
43	AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$5,463Fees	0.389%Above	31

❓ Frequently Asked Questions

How are mortgage lenders ranked in Albuquerque, NM?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Albuquerque, NM), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Albuquerque, NM?+

Based on 2024 HMDA data, 95 lenders originated a combined 10,666 loans in Albuquerque, NM. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Albuquerque, NM?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Albuquerque, NM is 0.24%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Albuquerque, NM's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.