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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 Mortgage Company Lenders in Albany
Updated February 5, 2026
Market Overview
22
Total Lenders
5,542
Total Loans
0.44%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | $1,372 | -0.222% | 1,853 | |
2 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | $1,597 | +0.089% | 1,321 | |
3 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | $926 | +0.236% | 218 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,074 | +0.245% | 571 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,334 | +0.641% | 511 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,973 | +0.429% | 119 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,230 | +0.408% | 111 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,673 | +0.428% | 61 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,133 | +0.306% | 47 | |
10 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Sound | $1,939 | +0.252% | 40 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,615 | +0.592% | 39 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,114 | +1.301% | 31 | |
13 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,081 | +0.429% | 83 | |
14 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,421 | +0.445% | 110 | |
15 | EMM LOANS LLC | Sound | Acceptable | Strong | Sound | $3,796 | +0.677% | 42 | |
16 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,344 | +0.518% | 38 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,373 | +0.438% | 36 | |
18 | HUNT MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $3,767 | +0.099% | 26 | |
19 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,410 | +0.610% | 21 | |
20 | US MORTGAGE CORPORATION | Sound | Mediocre | 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 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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