# Best VA Mortgage Lenders in Albany

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

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

> **Canonical URL:** https://saferate.com/albany/best-mortgage-lenders/va-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 | 90 | 88 | 1,853 | Independent Mortgage Company |
| 2 | HOMESTEAD FUNDING CORP. | 95 | 64 | 84 | 1,321 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 64 | 83 | 571 | Independent Mortgage Company |
| 4 | PREMIUM MORTGAGE CORPORATION | 85 | 70 | 86 | 218 | Independent Mortgage Company |
| 5 | Manufacturers and Traders Trust Company | 79 | 53 | 68 | 124 | Bank |
| 6 | NEWREZ LLC | 79 | 47 | 63 | 110 | Independent Mortgage Company |
| 7 | PENNYMAC LOAN SERVICES, LLC | 79 | 61 | 62 | 47 | Independent Mortgage Company |
| 8 | FREEDOM MORTGAGE CORPORATION | 79 | 61 | 63 | 31 | Independent Mortgage Company |
| 9 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 66 | Credit Union |
| 10 | ROCKET MORTGAGE, LLC | 75 | 29 | 81 | 511 | Independent Mortgage Company |
| 11 | USAA Federal Savings Bank | 73 | 62 | 58 | 21 | Bank |
| 12 | Mortgage Research Center, LLC | 66 | 34 | 61 | 63 | Independent Mortgage Company |
| 13 | EMM LOANS LLC | 66 | 38 | 76 | 42 | Independent Mortgage Company |
| 14 | NATIONSTAR MORTGAGE LLC | 66 | 20 | 69 | 38 | Independent Mortgage Company |

## 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.