Mortgage lenders in Rensselaer County
3,088 mortgages were made in Rensselaer County, New York, in 2025, by 190 lenders. The median rate their borrowers got was 6.490% on a median loan of $185,000. Of 4,083 decisions, 890 were denials — 21.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Broadview Federal Credit Union | 673 | 6.250% | $75,000 | 31.3% |
| HOMESTEAD FUNDING CORP. | 315 | 6.490% | $255,000 | 3.1% |
| SEFCU SERVICES, LLC | 315 | 6.125% | $255,000 | 2.4% |
| TrustCo Bank | 168 | 5.875% | $165,000 | 21.9% |
| Rocket Mortgage, LLC | 153 | 6.750% | $195,000 | 22.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 119 | 6.459% | $245,000 | 10.5% |
| SUNMARK CREDIT UNION | 106 | 6.375% | $190,000 | 12.7% |
| Citizens Bank, National Association | 82 | 8.400% | $105,000 | 43.4% |
| PREMIUM MORTGAGE CORPORATION | 78 | 6.625% | $265,000 | 6.0% |
| KeyBank National Association | 64 | 6.563% | $155,000 | 30.9% |
| Pioneer Bank | 61 | Not published | $105,000 | 21.0% |
| Manufacturers and Traders Trust Company | 49 | 5.990% | $135,000 | 34.5% |
| Glens Falls National Bank and Trust Company | 41 | 6.500% | $185,000 | 14.6% |
| FIRST NEW YORK | 37 | 5.490% | $165,000 | 14.0% |
| Community Bank, National Association | 37 | 7.000% | $215,000 | 15.9% |
| Kiavi Funding, Inc. | 37 | 9.250% | $185,000 | 7.5% |
| Broker Solutions, Inc. | 32 | 6.750% | $275,000 | 8.3% |
| Loan Funder LLC | 31 | 10.250% | $185,000 | 8.8% |
| NEWREZ LLC | 27 | 6.990% | $195,000 | 40.4% |
| PENNYMAC LOAN SERVICES, LLC | 25 | 6.499% | $275,000 | 24.2% |
| JPMorgan Chase Bank, National Association | 25 | 6.500% | $215,000 | 3.9% |
| Bank of America, National Association | 23 | 6.375% | $165,000 | 39.5% |
| Navy Federal Credit Union | 21 | 6.375% | $285,000 | 19.2% |
| CHAMPIONS FUNDING, LLC | 21 | 7.500% | $225,000 | 16.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.625% | $270,000 | 4.8% |
| Loandepot.Com, LLC | 19 | 7.500% | $75,000 | 19.2% |
| Sidney Federal Credit Union | 18 | 6.000% | $295,000 | 5.0% |
| Ballston Spa National Bank | 18 | Not published | $205,000 | 0.0% |
| Chemung Canal Trust Company | 17 | 6.585% | $285,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 15 | 6.500% | $265,000 | 11.1% |
| NBT Bank, National Association | 15 | 4.990% | $205,000 | 14.3% |
| GUARANTEED RATE, INC. | 15 | 6.750% | $245,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 15 | 6.625% | $215,000 | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 14 | 6.500% | $275,000 | 0.0% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | 13 | 6.500% | $105,000 | 17.7% |
| Hometown Equity Mortgage, LLC | 13 | 7.500% | $175,000 | 27.8% |
| US MORTGAGE CORPORATION | 13 | 6.875% | $205,000 | 0.0% |
| BPL MORTGAGE TRUST, LLC | 12 | 7.850% | $210,000 | 22.2% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.750% | $225,000 | 21.4% |
| TD Bank, National Association | 11 | 7.390% | $125,000 | 52.2% |
| HUDSON VALLEY CREDIT UNION | 11 | 4.500% | $205,000 | 36.4% |
| Mortgage Research Center, LLC | 11 | 6.250% | $265,000 | 15.4% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.558% | $200,000 | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 9.928% | $195,000 | 0.0% |
| The Bank of Greene County | 10 | 6.800% | $255,000 | 16.7% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.438% | $245,000 | 0.0% |
| NextStep Federal Credit Union | 10 | 6.865% | $70,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 35.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ICE LENDER HOLDINGS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 55.6% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| GREYLOCK FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Adams Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON RIVER COMMUNITY | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 85.2% |
| HUNT MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Scotia | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Farm Credit East, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 81.3% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CONTOUR MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Adirondack Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| The People's Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The National Bank of Coxsackie | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SOURCE | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adirondack Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rhinebeck 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% |
| TRADEMARK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUFFOLK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rondout Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Pittsfield Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Utica Gas & Electric Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 25.0% |
| First-Citizens Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Municipal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MID-HUDSON VALLEY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | Not published |
| POLISH & SLAVIC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| 2549005FUF02T1IFCA22 | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of Millbrook | 0 | Under 10 loans | Under 10 loans | Not published |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PFN Lending Group, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BOND STREET 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% |
| KINECTA | 0 | Under 10 loans | Under 10 loans | Not published |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Brighton Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| City National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CONVENTUS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northwest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Lyons National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Charles Schwab Bank, SSB | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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.
Bank branches in Rensselaer County
34 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| KeyBank National Association | 9 | $795.2 million |
| TrustCo Bank | 7 | $379.4 million |
| Pioneer Bank, National Association | 4 | $523.5 million |
| Manufacturers and Traders Trust Company | 4 | $194.2 million |
| Citizens Bank, National Association | 3 | $180.0 million |
| TD Bank, National Association | 1 | $190.0 million |
| Bank of America, National Association | 1 | $154.2 million |
| Community Bank, National Association | 1 | $85.2 million |
| Beacon Bank and Trust | 1 | $57.9 million |
| The Bank of Greene County | 1 | $44.5 million |
| NBT Bank, National Association | 1 | $43.7 million |
| Arrow Bank National Association | 1 | $26.2 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Berkshire Bank, 576 N Greenbush Rd, Rensselaer
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When the next year’s lending figures are out for Rensselaer County, or a lender arrives or leaves.
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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.