Mortgage lenders in Schenectady County
3,225 mortgages were made in Schenectady County, New York, in 2025, by 183 lenders. The median rate their borrowers got was 6.500% on a median loan of $195,000. Of 4,408 decisions, 1,072 were denials — 24.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Broadview Federal Credit Union | 457 | 6.250% | $75,000 | 33.0% |
| TrustCo Bank | 280 | 5.930% | $125,000 | 28.3% |
| HOMESTEAD FUNDING CORP. | 279 | 6.375% | $265,000 | 1.8% |
| SEFCU SERVICES, LLC | 271 | 6.125% | $265,000 | 0.7% |
| SUNMARK CREDIT UNION | 238 | 6.740% | $135,000 | 15.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 193 | 6.490% | $245,000 | 6.6% |
| Rocket Mortgage, LLC | 179 | 6.875% | $165,000 | 25.0% |
| FIRST NEW YORK | 131 | 6.240% | $105,000 | 13.2% |
| PREMIUM MORTGAGE CORPORATION | 83 | 6.500% | $255,000 | 4.6% |
| Citizens Bank, National Association | 76 | 8.650% | $105,000 | 41.8% |
| First National Bank of Scotia | 65 | Not published | $215,000 | 16.5% |
| KeyBank National Association | 56 | 6.500% | $195,000 | 36.7% |
| NEWREZ LLC | 44 | 6.625% | $220,000 | 38.9% |
| Manufacturers and Traders Trust Company | 43 | 5.990% | $105,000 | 40.3% |
| PENNYMAC LOAN SERVICES, LLC | 41 | 6.499% | $315,000 | 18.5% |
| Pioneer Bank | 33 | 5.990% | $85,000 | 15.0% |
| JPMorgan Chase Bank, National Association | 29 | 6.500% | $185,000 | 24.4% |
| Broker Solutions, Inc. | 29 | 6.500% | $285,000 | 12.1% |
| Navy Federal Credit Union | 26 | 6.250% | $230,000 | 25.7% |
| Bank of America, National Association | 25 | 6.240% | $155,000 | 69.4% |
| Glens Falls National Bank and Trust Company | 25 | 6.625% | $205,000 | 24.2% |
| US MORTGAGE CORPORATION | 24 | 6.750% | $235,000 | 4.0% |
| Community Bank, National Association | 23 | 7.440% | $245,000 | 17.2% |
| Ballston Spa National Bank | 23 | Not published | $265,000 | 0.0% |
| Mortgage Research Center, LLC | 22 | 6.313% | $275,000 | 26.7% |
| Loandepot.Com, LLC | 20 | 6.870% | $105,000 | 31.0% |
| HUDSON VALLEY CREDIT UNION | 19 | 5.500% | $115,000 | 27.8% |
| Hometown Equity Mortgage, LLC | 19 | 7.625% | $185,000 | 32.1% |
| NATIONSTAR MORTGAGE LLC | 19 | 6.375% | $165,000 | 17.4% |
| Sidney Federal Credit Union | 19 | 6.250% | $255,000 | 8.3% |
| NBT Bank, National Association | 17 | 5.750% | $215,000 | 35.7% |
| Fairway Independent Mortgage Corporation | 17 | 6.500% | $315,000 | 22.7% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.625% | $225,000 | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.750% | $195,000 | 11.1% |
| Loan Funder LLC | 15 | 8.030% | $165,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 15 | 10.620% | $95,000 | 6.3% |
| Kiavi Funding, Inc. | 13 | 10.200% | $195,000 | 23.5% |
| GUARANTEED RATE, INC. | 13 | 6.575% | $315,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.563% | $190,000 | 46.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.683% | $255,000 | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 12 | 6.688% | $180,000 | 7.7% |
| Chemung Canal Trust Company | 11 | 6.685% | $145,000 | 7.7% |
| Emporium TPO LLC | 10 | 7.313% | $180,000 | 7.7% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 73.5% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 56.3% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| 1ST PRIORITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 60.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 94.7% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 45.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICU Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| HUDSON RIVER COMMUNITY | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NextStep Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Bank of Greene County | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300GNMONGVTFMXS97 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Richmondville | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-HUDSON VALLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 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 | 0.0% |
| Sawyer Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Coxsackie | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS 1ST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rosedale Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| GREYLOCK FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845002BFC70CNA9B356 | 0 | Under 10 loans | Under 10 loans | Not published |
| The Adirondack Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tompkins Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ARBOR REALTY TRUST, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 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 Schenectady County
41 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| TrustCo Bank | 12 | $1.2 billion |
| First National Bank of Scotia | 6 | $476.2 million |
| KeyBank National Association | 4 | $478.2 million |
| Bank of America, National Association | 3 | $470.8 million |
| JPMorgan Chase Bank, National Association | 3 | $77.1 million |
| NBT Bank, National Association | 2 | $215.4 million |
| Pioneer Bank, National Association | 2 | $172.3 million |
| Citizens Bank, National Association | 2 | $157.6 million |
| Manufacturers and Traders Trust Company | 2 | $48.5 million |
| Arrow Bank National Association | 2 | $44.4 million |
| TD Bank, National Association | 1 | $90.2 million |
| Chemung Canal Trust Company | 1 | $33.8 million |
| Community Bank, National Association | 1 | $2.2 million |
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When the next year’s lending figures are out for Schenectady 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.