Home purchase lenders in Schenectady County
1,658 home purchase mortgages were made in Schenectady County, New York, in 2025, by 155 lenders. The median rate their borrowers got was 6.490% on a median loan of $255,000. Of 1,987 decisions, 273 were denials — 13.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| HOMESTEAD FUNDING CORP. | 261 | 6.375% | $265,000 | 1.5% |
| SEFCU SERVICES, LLC | 244 | 6.125% | $265,000 | 0.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 174 | 6.375% | $255,000 | 4.3% |
| TrustCo Bank | 107 | 6.375% | $255,000 | 8.3% |
| SUNMARK CREDIT UNION | 84 | 6.250% | $235,000 | 5.6% |
| PREMIUM MORTGAGE CORPORATION | 82 | 6.500% | $255,000 | 3.5% |
| Rocket Mortgage, LLC | 40 | 6.813% | $220,000 | 31.0% |
| First National Bank of Scotia | 38 | Not published | $255,000 | 2.5% |
| KeyBank National Association | 37 | 6.500% | $215,000 | 19.2% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 6.499% | $345,000 | 14.7% |
| Broker Solutions, Inc. | 28 | 6.500% | $280,000 | 6.7% |
| JPMorgan Chase Bank, National Association | 24 | 6.500% | $215,000 | 19.4% |
| Broadview Federal Credit Union | 23 | 6.250% | $145,000 | 40.0% |
| NEWREZ LLC | 23 | 6.500% | $295,000 | 11.5% |
| US MORTGAGE CORPORATION | 22 | 6.688% | $240,000 | 4.4% |
| Mortgage Research Center, LLC | 22 | 6.313% | $275,000 | 15.4% |
| Manufacturers and Traders Trust Company | 21 | 6.375% | $235,000 | 25.0% |
| Glens Falls National Bank and Trust Company | 20 | 6.688% | $220,000 | 4.8% |
| Ballston Spa National Bank | 19 | Not published | $285,000 | 0.0% |
| Navy Federal Credit Union | 18 | 6.125% | $270,000 | 0.0% |
| FIRST NEW YORK | 18 | 5.375% | $280,000 | 0.0% |
| Citizens Bank, National Association | 17 | 6.750% | $215,000 | 20.8% |
| Community Bank, National Association | 17 | 7.440% | $265,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 16 | 6.563% | $320,000 | 23.8% |
| Sidney Federal Credit Union | 16 | 6.250% | $255,000 | 5.3% |
| Hometown Equity Mortgage, LLC | 15 | 7.750% | $175,000 | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 14 | 6.625% | $230,000 | 30.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 6.808% | $250,000 | 16.7% |
| GUARANTEED RATE, INC. | 10 | 6.575% | $305,000 | 0.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NBT Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Chemung Canal Trust Company | 5 | Under 10 loans | Under 10 loans | 14.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HUDSON VALLEY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICU Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Greene County | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pioneer Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage 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% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 98.8% |
| RELIANT HOME FUNDING, INC | 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% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 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% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON RIVER COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo 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% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 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% |
| 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% |
| Bank of Richmondville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS 1ST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rosedale Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 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% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 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% |
| American Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845002BFC70CNA9B356 | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Adirondack Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National 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 |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 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 |
| Morgan Stanley Private 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 |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| GREYLOCK FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 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 |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, 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.
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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.