Safe Rate Rankings

Best Mortgage Lenders in Glens Falls

Updated February 6, 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.
Total Lenders25
Total Loans949
Median Rate Spread0.26%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
HOMESTEAD FUNDING CORP.Independent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
$1,342Fees
0.154%Above
169
2
Glens Falls National Bank and Trust CompanyBank
Exceptional
Strong
Strong
Exceptional
$1,156Fees
0.013%Above
162
3
SEFCU SERVICES, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
$1,521Fees
0.161%Below
60
4
TrustCo BankBank
Exceptional
Exceptional
Sound
Strong
$1,515Fees
0.063%Below
33
5
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Exceptional
$2,201Fees
0.749%Above
121
6
HUDSON RIVER COMMUNITYCredit Union
Strong
Exceptional
Mediocre
Strong
$608Credit
0.021%Above
31
7
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
$3,501Fees
0.579%Above
90
8
Evolve Bank & TrustBank
Strong
Sound
Strong
Sound
$1,648Fees
0.326%Above
23
9
NEWREZ LLCIndependent Mortgage Company
Sound
Acceptable
Sound
Sound
$2,153Fees
0.771%Above
31

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.