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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 5, 2026
Market Overview
60
Total Lenders
7,504
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,372 | -0.222% | 1,853 | |
2 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,597 | +0.089% | 1,321 | |
3 | TrustCo Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,663 | -0.224% | 351 | |
4 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $926 | +0.236% | 218 | |
5 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,340 | +0.003% | 183 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $712 | -0.520% | 66 | |
7 | Chemung Canal Trust Company | Exceptional | Exceptional | Sound | Strong | Strong | $875 | +0.087% | 44 | |
8 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Sound | $1,294 | -0.209% | 38 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,445 | +0.052% | 61 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $484 | -0.028% | 26 | |
11 | SUNMARK CREDIT UNION | Strong | Strong | Sound | Sound | Exceptional | $1,857 | +0.040% | 245 | |
12 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,209 | +0.231% | 124 | |
13 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,081 | +0.429% | 83 | |
14 | Community Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $521 | +0.672% | 76 | |
15 | FIRST NEW YORK | Strong | Exceptional | Acceptable | Sound | Strong | $569 | -0.420% | 75 | |
16 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,762 | +0.085% | 68 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,986 | +0.343% | 35 | |
18 | Catskill Hudson Bank | Strong | Exceptional | Acceptable | Sound | Strong | $485 | -0.361% | 33 | |
19 | Glens Falls National Bank and Trust Company | Strong | Strong | Strong | Strong | Sound | $1,133 | +0.037% | 30 | |
20 | Berkshire Bank | Strong | Exceptional | Sound | Sound | Sound | $1,426 | -0.228% | 22 | |
21 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,074 | +0.245% | 571 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,334 | +0.641% | 511 | |
23 | SARATOGA NATIONAL BANK AND TRUST COMPANY | Strong | Strong | Sound | Sound | Strong | $823 | -0.107% | 198 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,798 | +0.368% | 66 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,615 | +0.592% | 39 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,973 | +0.429% | 119 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,230 | +0.408% | 111 | |
28 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,133 | +0.306% | 47 | |
29 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Sound | $1,939 | +0.252% | 40 | |
30 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Sound | $1,964 | +0.007% | 38 | |
31 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Sound | $1,208 | +0.046% | 18 | |
32 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,421 | +0.445% | 110 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,673 | +0.428% | 61 | |
34 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,796 | +0.677% | 42 | |
35 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $1,122 | +0.263% | 41 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,344 | +0.518% | 38 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,373 | +0.438% | 36 | |
38 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $3,767 | +0.099% | 26 | |
39 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,908 | -0.002% | 21 | |
40 | US MORTGAGE CORPORATION | Sound | Mediocre | Strong | 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 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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