# Best Mortgage Lenders in Albany

**As of:** 2026-05-22

Compare the top mortgage lenders in Albany. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/albany/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 60
- **Total Loans:** 7,504
- **Median Rate Spread:** 0.29574137931034483%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | SEFCU SERVICES, LLC | 93 | 78 | 82 | 1,853 | Independent Mortgage Company |
| 2 | HOMESTEAD FUNDING CORP. | 93 | 72 | 83 | 1,321 | Independent Mortgage Company |
| 3 | SUNMARK CREDIT UNION | 86 | 77 | 62 | 245 | Credit Union |
| 4 | PREMIUM MORTGAGE CORPORATION | 86 | 67 | 80 | 218 | Independent Mortgage Company |
| 5 | TrustCo Bank | 84 | 86 | 55 | 351 | Bank |
| 6 | SARATOGA NATIONAL BANK AND TRUST COMPANY | 80 | 72 | 67 | 198 | Bank |
| 7 | KeyBank National Association | 80 | 71 | 69 | 183 | Bank |
| 8 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 124 | Bank |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 571 | Independent Mortgage Company |
| 10 | Chemung Canal Trust Company | 78 | 89 | 52 | 44 | Bank |
| 11 | NBT Bank, National Association | 78 | 85 | 70 | 38 | Bank |
| 12 | Catskill Hudson Bank | 78 | 95 | 44 | 33 | Bank |
| 13 | Berkshire Bank | 78 | 85 | 63 | 22 | Bank |
| 14 | Community Bank, National Association | 73 | 45 | 71 | 76 | Bank |
| 15 | Citizens Bank, National Association | 73 | 69 | 62 | 68 | Bank |
| 16 | Bank of America, National Association | 73 | 73 | 75 | 61 | Bank |
| 17 | Glens Falls National Bank and Trust Company | 73 | 65 | 71 | 30 | Bank |
| 18 | U.S. Bank National Association | 73 | 75 | 71 | 26 | Bank |
| 19 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 66 | Credit Union |
| 20 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 511 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 119 | Independent Mortgage Company |
| 22 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 111 | Independent Mortgage Company |
| 23 | FIRST NEW YORK | 68 | 91 | 35 | 75 | Credit Union |
| 24 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 66 | Bank |
| 25 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 61 | Independent Mortgage Company |
| 26 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 47 | Independent Mortgage Company |
| 27 | 1ST PRIORITY MORTGAGE, INC. | 66 | 47 | 77 | 40 | Independent Mortgage Company |
| 28 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 39 | Independent Mortgage Company |
| 29 | Evolve Bank & Trust | 66 | 51 | 69 | 38 | Bank |
| 30 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 35 | Bank |
| 31 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 31 | Independent Mortgage Company |
| 32 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 83 | Independent Mortgage Company |
| 33 | TD Bank, National Association | 60 | 47 | 57 | 41 | Bank |
| 34 | USAA Federal Savings Bank | 60 | 54 | 45 | 21 | Bank |
| 35 | NEWREZ LLC | 58 | 35 | 59 | 110 | Independent Mortgage Company |
| 36 | Mortgage Research Center, LLC | 58 | 34 | 70 | 63 | Independent Mortgage Company |
| 37 | EMM LOANS LLC | 58 | 31 | 77 | 42 | Independent Mortgage Company |
| 38 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 38 | Independent Mortgage Company |
| 39 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 36 | Independent Mortgage Company |
| 40 | HUNT MORTGAGE CORPORATION | 58 | 25 | 77 | 26 | Independent Mortgage Company |
| 41 | CARRINGTON MORTGAGE SERVICES, LLC | 52 | 24 | 41 | 21 | Independent Mortgage Company |
| 42 | RELIANCE FIRST CAPITAL, LLC | 49 | N/A | 96 | 31 | Independent Mortgage Company |
| 43 | US MORTGAGE CORPORATION | 46 | 16 | 60 | 66 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Albany.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.