Home purchase lenders in Albany County
2,741 home purchase mortgages were made in Albany County, New York, in 2025, by 188 lenders. The median rate their borrowers got was 6.490% on a median loan of $275,000. Of 3,165 decisions, 331 were denials — 10.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| SEFCU SERVICES, LLC | 569 | 6.125% | $285,000 | 1.4% |
| HOMESTEAD FUNDING CORP. | 491 | 6.490% | $295,000 | 1.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 161 | 6.375% | $275,000 | 8.4% |
| TrustCo Bank | 159 | 6.490% | $285,000 | 5.0% |
| PREMIUM MORTGAGE CORPORATION | 89 | 6.750% | $285,000 | 10.1% |
| SUNMARK CREDIT UNION | 78 | 6.375% | $270,000 | 4.1% |
| Broadview Federal Credit Union | 76 | 6.000% | $155,000 | 32.2% |
| Broker Solutions, Inc. | 59 | 6.625% | $285,000 | 9.2% |
| KeyBank National Association | 49 | 6.500% | $285,000 | 21.0% |
| Rocket Mortgage, LLC | 46 | 6.750% | $280,000 | 14.5% |
| Manufacturers and Traders Trust Company | 45 | 6.375% | $255,000 | 20.3% |
| Ballston Spa National Bank | 36 | Not published | $310,000 | 0.0% |
| Community Bank, National Association | 35 | 7.125% | $285,000 | 16.7% |
| Fairway Independent Mortgage Corporation | 32 | 6.490% | $240,000 | 10.8% |
| Sidney Federal Credit Union | 32 | 5.938% | $315,000 | 0.0% |
| Loan Funder LLC | 31 | 10.750% | $185,000 | 11.4% |
| Bank of America, National Association | 31 | 6.125% | $325,000 | 26.2% |
| Citizens Bank, National Association | 29 | 7.650% | $215,000 | 27.9% |
| JPMorgan Chase Bank, National Association | 28 | 6.438% | $245,000 | 30.0% |
| NEWREZ LLC | 27 | 6.750% | $285,000 | 6.5% |
| Glens Falls National Bank and Trust Company | 27 | 6.375% | $305,000 | 12.9% |
| PENNYMAC LOAN SERVICES, LLC | 26 | 6.499% | $345,000 | 0.0% |
| General Mortgage Capital Corporation | 25 | 6.375% | $255,000 | 3.7% |
| NBT Bank, National Association | 23 | 6.500% | $185,000 | 9.4% |
| Kiavi Funding, Inc. | 22 | 10.475% | $185,000 | 12.0% |
| FIRST NEW YORK | 20 | 5.625% | $285,000 | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.745% | $325,000 | 13.0% |
| The Bank of Greene County | 18 | 6.688% | $280,000 | 5.0% |
| Navy Federal Credit Union | 16 | 6.000% | $315,000 | 5.9% |
| MOVEMENT MORTGAGE, LLC | 14 | 6.750% | $250,000 | 0.0% |
| Chemung Canal Trust Company | 14 | 6.888% | $270,000 | 0.0% |
| Mortgage Research Center, LLC | 13 | 6.250% | $305,000 | 27.8% |
| Hometown Equity Mortgage, LLC | 13 | 7.490% | $245,000 | 27.8% |
| TD Bank, National Association | 12 | 6.563% | $275,000 | 25.0% |
| A&D Mortgage LLC | 12 | 6.558% | $250,000 | 0.0% |
| US MORTGAGE CORPORATION | 12 | 6.813% | $325,000 | 7.7% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.490% | $325,000 | 42.9% |
| GUARANTEED RATE, INC. | 11 | 6.750% | $265,000 | 0.0% |
| U.S. Bank National Association | 11 | 6.490% | $305,000 | 21.4% |
| The National Bank of Coxsackie | 11 | Not published | $275,000 | 20.0% |
| Emporium TPO LLC | 10 | 7.750% | $205,000 | 20.0% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 7.375% | $285,000 | 9.1% |
| Pioneer Bank | 10 | Not published | $355,000 | 9.1% |
| First National Bank of Scotia | 10 | Not published | $345,000 | 0.0% |
| Citadel Servicing Corporation | 10 | 7.999% | $170,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 10 | 6.995% | $265,000 | 0.0% |
| UIF CORPORATION | 9 | Under 10 loans | Under 10 loans | 16.7% |
| 1ST PRIORITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HERITAGE FINANCIAL CREDIT UNION | 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% |
| NORWICH COMMERCIAL GROUP, INC. | 3 | 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% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| INTERSTATE HOME LOAN CENTER, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Adirondack Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 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% |
| Brookline Bank | 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% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON RIVER COMMUNITY | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 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% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 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% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 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% |
| Bank of Hope | 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% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 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% |
| Magnolia Bank, Incorporated | 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% |
| 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% |
| GREYLOCK FEDERAL 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% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 87.5% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 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% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BAYPORT FUNDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STAR USA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Presidential Bank, FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| Superior Choice Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARK MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| United Nations Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EAST COAST CAPITAL CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300MPZDD9EFQ1E963 | 0 | Under 10 loans | Under 10 loans | Not published |
| BayCoast Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NextStep Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Goldman Sachs Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NUMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 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.
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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. 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.