Mortgage lenders in Albany County
5,656 mortgages were made in Albany County, New York, in 2025, by 226 lenders. The median rate their borrowers got was 6.490% on a median loan of $205,000. Of 7,473 decisions, 1,616 were denials — 21.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Broadview Federal Credit Union | 1,272 | 6.250% | $75,000 | 27.5% |
| SEFCU SERVICES, LLC | 626 | 6.125% | $285,000 | 2.3% |
| HOMESTEAD FUNDING CORP. | 535 | 6.490% | $285,000 | 1.7% |
| TrustCo Bank | 379 | 5.990% | $195,000 | 21.9% |
| Citizens Bank, National Association | 240 | 8.400% | $125,000 | 35.2% |
| Rocket Mortgage, LLC | 226 | 6.875% | $205,000 | 23.6% |
| SUNMARK CREDIT UNION | 213 | 6.750% | $175,000 | 10.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 183 | 6.375% | $275,000 | 11.4% |
| KeyBank National Association | 97 | 6.625% | $205,000 | 29.7% |
| FIRST NEW YORK | 97 | 5.625% | $125,000 | 22.4% |
| PREMIUM MORTGAGE CORPORATION | 96 | 6.750% | $275,000 | 9.4% |
| Pioneer Bank | 85 | Not published | $105,000 | 26.5% |
| Manufacturers and Traders Trust Company | 79 | 6.125% | $205,000 | 35.4% |
| Broker Solutions, Inc. | 69 | 6.625% | $285,000 | 8.0% |
| Bank of America, National Association | 63 | 6.240% | $205,000 | 48.4% |
| NEWREZ LLC | 55 | 7.000% | $225,000 | 36.7% |
| Ballston Spa National Bank | 54 | Not published | $290,000 | 1.8% |
| Community Bank, National Association | 48 | 7.063% | $280,000 | 17.2% |
| Glens Falls National Bank and Trust Company | 43 | 6.500% | $255,000 | 23.2% |
| Kiavi Funding, Inc. | 42 | 9.120% | $190,000 | 10.6% |
| Loan Funder LLC | 42 | 10.750% | $190,000 | 16.0% |
| NBT Bank, National Association | 40 | 6.063% | $170,000 | 18.6% |
| Sidney Federal Credit Union | 39 | 5.938% | $305,000 | 0.0% |
| The Bank of Greene County | 38 | 6.813% | $195,000 | 17.0% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 6.499% | $325,000 | 18.6% |
| Fairway Independent Mortgage Corporation | 34 | 6.490% | $250,000 | 14.6% |
| HUDSON VALLEY CREDIT UNION | 33 | 6.370% | $115,000 | 30.9% |
| JPMorgan Chase Bank, National Association | 31 | 6.500% | $245,000 | 33.3% |
| Hometown Equity Mortgage, LLC | 30 | 7.375% | $245,000 | 40.0% |
| General Mortgage Capital Corporation | 28 | 6.313% | $255,000 | 3.3% |
| Navy Federal Credit Union | 27 | 6.125% | $205,000 | 30.8% |
| Emporium TPO LLC | 26 | 7.625% | $265,000 | 21.3% |
| Loandepot.Com, LLC | 24 | 6.688% | $175,000 | 37.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.750% | $295,000 | 11.1% |
| NATIONSTAR MORTGAGE LLC | 20 | 6.625% | $205,000 | 16.0% |
| Chemung Canal Trust Company | 20 | 6.688% | $270,000 | 11.5% |
| First National Bank of Scotia | 20 | Not published | $265,000 | 9.1% |
| The National Bank of Coxsackie | 19 | Not published | $275,000 | 38.2% |
| CHAMPIONS FUNDING, LLC | 19 | 7.375% | $225,000 | 5.0% |
| TD Bank, National Association | 17 | 7.250% | $245,000 | 29.2% |
| Discover Bank | 16 | 8.785% | $90,000 | 70.4% |
| FREEDOM MORTGAGE CORPORATION | 16 | 6.938% | $210,000 | 27.3% |
| MOVEMENT MORTGAGE, LLC | 16 | 6.813% | $250,000 | 0.0% |
| GUARANTEED RATE, INC. | 14 | 6.813% | $260,000 | 6.7% |
| A&D Mortgage LLC | 14 | 7.000% | $225,000 | 0.0% |
| US MORTGAGE CORPORATION | 14 | 6.875% | $310,000 | 17.7% |
| NextStep Federal Credit Union | 14 | 5.490% | $35,000 | 6.7% |
| RELIANCE FIRST CAPITAL, LLC | 14 | 6.875% | $230,000 | 0.0% |
| Mortgage Research Center, LLC | 13 | 6.250% | $305,000 | 55.2% |
| Wells Fargo Bank, National Association | 13 | 6.250% | $215,000 | 38.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 13 | 8.500% | $145,000 | 13.3% |
| U.S. Bank National Association | 12 | 6.490% | $290,000 | 55.6% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.490% | $320,000 | 43.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 6.995% | $245,000 | 7.7% |
| Citadel Servicing Corporation | 12 | 7.999% | $170,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 8.188% | $145,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 11 | 7.250% | $305,000 | 8.3% |
| LENDINGONE, LLC | 10 | 7.180% | $205,000 | 52.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 47.6% |
| Berkshire Bank | 9 | Under 10 loans | Under 10 loans | 40.0% |
| UIF CORPORATION | 9 | Under 10 loans | Under 10 loans | 16.7% |
| 1ST PRIORITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 35.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 56.3% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 38.5% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 62.5% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| HUDSON RIVER COMMUNITY | 6 | Under 10 loans | Under 10 loans | 45.5% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ABL RPC Residential Credit Acquisition LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Metro City Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 63.6% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE FINANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICU Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Brookline Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Adirondack Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| HUNT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYLOCK FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE SUMMIT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gold Coast Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ulster Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SOURCE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rondout Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Richmondville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Regional Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 90.0% |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MID-HUDSON VALLEY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 66.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 26 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Albany County
102 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| TrustCo Bank | 18 | $1.3 billion |
| KeyBank National Association | 15 | $7.7 billion |
| Citizens Bank, National Association | 9 | $1.4 billion |
| Pioneer Bank, National Association | 9 | $1.0 billion |
| Manufacturers and Traders Trust Company | 6 | $2.2 billion |
| Bank of America, National Association | 6 | $1.4 billion |
| Community Bank, National Association | 6 | $130.9 million |
| JPMorgan Chase Bank, National Association | 5 | $291.8 million |
| Ballston Spa National Bank | 5 | $168.5 million |
| NBT Bank, National Association | 4 | $408.8 million |
| Beacon Bank and Trust | 4 | $350.4 million |
| Chemung Canal Trust Company | 4 | $343.5 million |
| TD Bank, National Association | 3 | $564.9 million |
| The Bank of Greene County | 3 | $229.8 million |
| First National Bank of Scotia | 2 | $96.1 million |
| Arrow Bank National Association | 2 | $93.5 million |
| Rhinebeck Bank | 1 | $0 |
Closed since the 2025 survey
8 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 69 State St, Albany
- Berkshire Bank, 255 Delaware Avenue, Delaware Plaza, Delmar
- Berkshire Bank, 30 S Pearl St, Albany
- Berkshire Bank, 628 Loudon Road, Route 9, Latham
- Berkshire Bank, 979 Central Ave, Albany
- KeyBank National Association, 112 Grand Concourse, Albany
- The National Bank of Coxsackie, 2480 Us Route 9w, Ste 20, Ravena
- The National Bank of Coxsackie, 331 Route 9w, Glenmont
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.