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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 Mortgage Lenders in Albany
Updated February 5, 2026
Market Overview
60
Total Lenders
7,504
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | $1,372 | -0.222% | 1,853 | |
2 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | $1,597 | +0.089% | 1,321 | |
3 | TrustCo Bank | Exceptional | Exceptional | Sound | Exceptional | $1,663 | -0.224% | 351 | |
4 | SUNMARK CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,857 | +0.040% | 245 | |
5 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | $926 | +0.236% | 218 | |
6 | Chemung Canal Trust Company | Exceptional | Exceptional | Sound | Strong | $875 | +0.087% | 44 | |
7 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Sound | $1,294 | -0.209% | 38 | |
8 | Catskill Hudson Bank | Exceptional | Exceptional | Sound | Strong | $485 | -0.361% | 33 | |
9 | Berkshire Bank | Exceptional | Exceptional | Strong | Sound | $1,426 | -0.228% | 22 | |
10 | SARATOGA NATIONAL BANK AND TRUST COMPANY | Strong | Strong | Strong | Strong | $823 | -0.107% | 198 | |
11 | KeyBank National Association | Strong | Strong | Strong | Strong | $1,340 | +0.003% | 183 | |
12 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,209 | +0.231% | 124 | |
13 | FIRST NEW YORK | Strong | Exceptional | Acceptable | Strong | $569 | -0.420% | 75 | |
14 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $712 | -0.520% | 66 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,074 | +0.245% | 571 | |
16 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,762 | +0.085% | 68 | |
17 | Bank of America, National Association | Strong | Strong | Strong | Sound | $2,445 | +0.052% | 61 | |
18 | Glens Falls National Bank and Trust Company | Strong | Strong | Strong | Sound | $1,133 | +0.037% | 30 | |
19 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $484 | -0.028% | 26 | |
20 | Community Bank, National Association | Strong | Sound | Strong | Strong | $521 | +0.672% | 76 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,986 | +0.343% | 35 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,334 | +0.641% | 511 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,973 | +0.429% | 119 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,230 | +0.408% | 111 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,798 | +0.368% | 66 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,673 | +0.428% | 61 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,133 | +0.306% | 47 | |
28 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Sound | $1,939 | +0.252% | 40 | |
29 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,615 | +0.592% | 39 | |
30 | Evolve Bank & Trust | Strong | Sound | Strong | Sound | $1,964 | +0.007% | 38 | |
31 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,114 | +1.301% | 31 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,081 | +0.429% | 83 | |
33 | TD Bank, National Association | Strong | Sound | Sound | Sound | $1,122 | +0.263% | 41 | |
34 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,908 | -0.002% | 21 | |
35 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,421 | +0.445% | 110 | |
36 | EMM LOANS LLC | Sound | Acceptable | Strong | Sound | $3,796 | +0.677% | 42 | |
37 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,344 | +0.518% | 38 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,373 | +0.438% | 36 | |
39 | HUNT MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $3,767 | +0.099% | 26 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,410 | +0.610% | 21 | |
41 | US MORTGAGE CORPORATION | Sound | Mediocre | Sound | Strong | $3,314 | +0.760% | 66 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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