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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 Bank Mortgage Lenders in Albany
Updated February 5, 2026
Market Overview
18
Total Lenders
1,554
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | TrustCo Bank | Exceptional | Exceptional | Sound | Exceptional | $1,663 | -0.224% | 351 | |
2 | Chemung Canal Trust Company | Exceptional | Exceptional | Sound | Strong | $875 | +0.087% | 44 | |
3 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Sound | $1,294 | -0.209% | 38 | |
4 | Catskill Hudson Bank | Exceptional | Exceptional | Sound | Strong | $485 | -0.361% | 33 | |
5 | Berkshire Bank | Exceptional | Exceptional | Strong | Sound | $1,426 | -0.228% | 22 | |
6 | SARATOGA NATIONAL BANK AND TRUST COMPANY | Strong | Strong | Strong | Strong | $823 | -0.107% | 198 | |
7 | KeyBank National Association | Strong | Strong | Strong | Strong | $1,340 | +0.003% | 183 | |
8 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,209 | +0.231% | 124 | |
9 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,762 | +0.085% | 68 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Sound | $2,445 | +0.052% | 61 | |
11 | Glens Falls National Bank and Trust Company | Strong | Strong | Strong | Sound | $1,133 | +0.037% | 30 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $484 | -0.028% | 26 | |
13 | Community Bank, National Association | Strong | Sound | Strong | Strong | $521 | +0.672% | 76 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,986 | +0.343% | 35 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,798 | +0.368% | 66 | |
16 | Evolve Bank & Trust | Strong | Sound | Strong | Sound | $1,964 | +0.007% | 38 | |
17 | TD Bank, National Association | Strong | Sound | Sound | Sound | $1,122 | +0.263% | 41 | |
18 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,908 | -0.002% | 21 |
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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