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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Albany
Updated February 6, 2026
Market Overview
29
Total Lenders
947
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,983 | -0.015% | 16 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,194 | +0.158% | 91 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,056 | -0.005% | 67 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $5,145 | +0.625% | 25 | |
5 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,563 | +0.474% | 73 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857 | +0.324% | 67 | |
7 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,501 | +0.329% | 18 | |
8 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,137 | +0.309% | 75 | |
9 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,992 | +0.318% | 40 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,850 | +0.297% | 28 | |
11 | Oregon State Credit Union | Strong | Sound | Sound | Strong | Strong | $3,393 | +0.218% | 21 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,890 | -0.101% | 14 | |
13 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,643 | +0.754% | 57 | |
14 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $5,087 | +0.577% | 32 | |
15 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Strong | $3,969 | +0.233% | 28 | |
16 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,374 | +0.177% | 24 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,677 | +0.150% | 20 | |
18 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $7,116 | +0.064% | 18 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,271 | +0.671% | 16 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,690 | +0.252% | 15 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,773 | +0.631% | 15 | |
22 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $5,741 | +0.494% | 45 | |
23 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $2,575 | +0.390% | 11 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,324 | +0.289% | 16 | |
25 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,943 | +0.368% | 10 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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