# Best Conventional Mortgage Lenders in Albany

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

Compare the top Conventional mortgage lenders in Albany. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 95 | 76 | 86 | 1,853 | Independent Mortgage Company |
| 2 | HOMESTEAD FUNDING CORP. | 95 | 71 | 82 | 1,321 | Independent Mortgage Company |
| 3 | PREMIUM MORTGAGE CORPORATION | 89 | 64 | 85 | 218 | Independent Mortgage Company |
| 4 | KeyBank National Association | 85 | 70 | 66 | 183 | Bank |
| 5 | TrustCo Bank | 83 | 87 | 54 | 351 | Bank |
| 6 | Manufacturers and Traders Trust Company | 79 | 59 | 76 | 124 | Bank |
| 7 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 83 | Independent Mortgage Company |
| 8 | Community Bank, National Association | 79 | 46 | 73 | 76 | Bank |
| 9 | Bank of America, National Association | 79 | 71 | 67 | 61 | Bank |
| 10 | Chemung Canal Trust Company | 79 | 90 | 71 | 44 | Bank |
| 11 | NBT Bank, National Association | 79 | 85 | 66 | 38 | Bank |
| 12 | U.S. Bank National Association | 79 | 75 | 69 | 26 | Bank |
| 13 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 66 | Credit Union |
| 14 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 571 | Independent Mortgage Company |
| 15 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 511 | Independent Mortgage Company |
| 16 | Glens Falls National Bank and Trust Company | 74 | 64 | 67 | 30 | Bank |
| 17 | SUNMARK CREDIT UNION | 73 | 73 | 54 | 245 | Credit Union |
| 18 | Citizens Bank, National Association | 73 | 70 | 59 | 68 | Bank |
| 19 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 66 | Bank |
| 20 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 39 | Independent Mortgage Company |
| 21 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 35 | Bank |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 119 | Independent Mortgage Company |
| 23 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 111 | Independent Mortgage Company |
| 24 | SARATOGA NATIONAL BANK AND TRUST COMPANY | 69 | 74 | 58 | 198 | Bank |
| 25 | 1ST PRIORITY MORTGAGE, INC. | 69 | 46 | 77 | 40 | Independent Mortgage Company |
| 26 | Evolve Bank & Trust | 69 | 53 | 61 | 38 | Bank |
| 27 | General Mortgage Capital Corporation | 69 | 52 | 78 | 18 | Independent Mortgage Company |
| 28 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 47 | Independent Mortgage Company |
| 29 | Berkshire Bank | 68 | 86 | 55 | 22 | Bank |
| 30 | NEWREZ LLC | 66 | 31 | 58 | 110 | Independent Mortgage Company |
| 31 | FIRST NEW YORK | 66 | 91 | 48 | 75 | Credit Union |
| 32 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 61 | Independent Mortgage Company |
| 33 | EMM LOANS LLC | 66 | 28 | 78 | 42 | Independent Mortgage Company |
| 34 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 38 | Independent Mortgage Company |
| 35 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 36 | Independent Mortgage Company |
| 36 | Catskill Hudson Bank | 66 | 95 | 46 | 33 | Bank |
| 37 | TD Bank, National Association | 64 | 54 | 50 | 41 | Bank |
| 38 | HUNT MORTGAGE CORPORATION | 63 | 24 | 72 | 26 | Independent Mortgage Company |
| 39 | USAA Federal Savings Bank | 58 | 53 | 27 | 21 | Bank |
| 40 | US MORTGAGE CORPORATION | 53 | 20 | 40 | 66 | Independent Mortgage Company |
| 41 | RELIANCE FIRST CAPITAL, LLC | 53 | N/A | 73 | 31 | Independent Mortgage Company |
| 42 | Bank of Richmondville | 35 | N/A | 48 | 17 | Bank |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.