Safe Rate Rankings

Best Conventional 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.

Market

Total Lenders25

Total Loans949

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,342Fees	0.154%Above	169
2	SEFCU SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,521Fees	0.161%Below	60
3	Glens Falls National Bank and Trust CompanyBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,156Fees	0.013%Above	162
4	TrustCo BankBank	Exceptional	Exceptional	Strong	Sound	Strong	$1,515Fees	0.063%Below	33
5	NBT Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Sound	$1,764Fees	0.144%Above	17
6	PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Sound	$1,960Fees	0.155%Above	14
7	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$923Fees	0.050%Above	10
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,201Fees	0.749%Above	121
9	HUDSON RIVER COMMUNITYCredit Union	Strong	Exceptional	Sound	Acceptable	Strong	$608Credit	0.021%Above	31
10	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,630Fees	0.106%Above	12
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,501Fees	0.579%Above	90
12	Community Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$540Fees	0.770%Above	18
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,318Fees	0.339%Above	11
14	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Sound	$1,648Fees	0.326%Above	23
15	SUNMARK CREDIT UNIONCredit Union	Strong	Strong	Sound	Sound	Sound	$1,753Fees	0.058%Above	18
16	SARATOGA NATIONAL BANK AND TRUST COMPANYBank	Strong	Strong	Sound	Sound	Sound	$920Fees	0.115%Below	16
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Acceptable	$2,044Fees	0.546%Above	10
18	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$499Fees	0.619%Above	18
19	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,540Fees	0.325%Above	15
20	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,854Fees	0.715%Above	15
21	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,153Fees	0.771%Above	31
22	HUNT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,439Fees	0.489%Above	19

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.