Safe Rate Rankings

Best Conventional Mortgage Lenders in Albany

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders60

Total Loans7,504

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	SEFCU SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,372Fees	0.222%Below	1,853
2	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,597Fees	0.089%Above	1,321
3	TrustCo BankBank	Exceptional	Exceptional	Strong	Sound	Exceptional	$1,663Fees	0.224%Below	351
4	PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$926Fees	0.236%Above	218
5	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,340Fees	0.003%Above	183
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$712Fees	0.520%Below	66
7	Chemung Canal Trust CompanyBank	Exceptional	Exceptional	Sound	Strong	Strong	$875Fees	0.087%Above	44
8	NBT Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Sound	$1,294Fees	0.209%Below	38
9	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,445Fees	0.052%Above	61
10	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$484Fees	0.028%Below	26
11	SUNMARK CREDIT UNIONCredit Union	Strong	Strong	Sound	Sound	Exceptional	$1,857Fees	0.040%Above	245
12	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$1,209Fees	0.231%Above	124
13	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,081Fees	0.429%Above	83
14	Community Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$521Fees	0.672%Above	76
15	FIRST NEW YORKCredit Union	Strong	Exceptional	Acceptable	Sound	Strong	$569Fees	0.420%Below	75
16	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,762Fees	0.085%Above	68
17	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,986Fees	0.343%Above	35
18	Catskill Hudson BankBank	Strong	Exceptional	Acceptable	Sound	Strong	$485Fees	0.361%Below	33
19	Glens Falls National Bank and Trust CompanyBank	Strong	Strong	Strong	Strong	Sound	$1,133Fees	0.037%Above	30
20	Berkshire BankBank	Strong	Exceptional	Sound	Sound	Sound	$1,426Fees	0.228%Below	22
21	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,074Fees	0.245%Above	571
22	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,334Fees	0.641%Above	511
23	SARATOGA NATIONAL BANK AND TRUST COMPANYBank	Strong	Strong	Sound	Sound	Strong	$823Fees	0.107%Below	198
24	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,798Fees	0.368%Above	66
25	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,615Fees	0.592%Above	39
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,973Fees	0.429%Above	119
27	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,230Fees	0.408%Above	111
28	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,133Fees	0.306%Above	47
29	1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,939Fees	0.252%Above	40
30	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Sound	$1,964Fees	0.007%Above	38
31	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,208Fees	0.046%Above	18
32	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,421Fees	0.445%Above	110
33	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,673Fees	0.428%Above	61
34	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,796Fees	0.677%Above	42
35	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$1,122Fees	0.263%Above	41
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,344Fees	0.518%Above	38
37	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,373Fees	0.438%Above	36
38	HUNT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,767Fees	0.099%Above	26
39	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,908Fees	0.002%Below	21
40	US MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$3,314Fees	0.760%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.