# SEFCU SERVICES, LLC

> **Canonical URL:** https://saferate.com/lenders/sefcu-services


> **📋 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


SEFCU SERVICES, LLC is a independent mortgage company, headquartered in ALBANY, NY, with 2,686 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300RJW4T6MPVUPK44
- **Headquarters:** ALBANY, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.206%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,322
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,686
- **Dollar Volume:** $795 million
- **Applications Received:** 3,080
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $295,808
- **Average Borrower Income:** $134,917
- **Average Property Value:** $371,567

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (83%)
- 💎 **VA Diamond Champion** (84%)
- 💎 **Purchase Diamond Champion** (83%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 86/100 | 2,471 | -0.217% | $1,326 | Exceptional 🤩 |
| FHA | 74/100 | 154 | +0.041% | $1,214 | Strong 😀 |
| VA | 68/100 | 33 | -0.762% | $949 | Strong 😀 |
| Jumbo | 73/100 | 25 | -0.204% | $1,881 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,280 loans, Score: 87/100 (Exceptional)
- Refinance: 191 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 146 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 32 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 24 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 85/100 | 2,485 | $742M | -0.209% | Exceptional 🤩 |
| Refinance | 76/100 | 201 | $53M | -0.174% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 2,686 | 2.37% | 96/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Albany | NY | 1,853 | 100/100 |
| Syracuse, NY | NY | 316 | 86/100 |
| Non |  | 159 | 54/100 |
| Utica | NY | 101 | 82/100 |
| Buffalo | NY | 94 | 66/100 |
| Binghamton, NY | NY | 67 | 72/100 |
| Glens Falls, NY | NY | 60 | 74/100 |
| Nassau County | NY | 10 | 39/100 |

## Where This Lender Ranks

SEFCU SERVICES, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Albany
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders)
- 🥇 **#1** in Albany Mortgage Companies
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Albany for Conventional Loans
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Albany for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Albany for VA Loans
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Albany for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Albany for Jumbo Loans
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Albany for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Syracuse, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Syracuse, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Syracuse, NY for FHA Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Syracuse, NY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Syracuse, NY for VA Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Syracuse, NY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Albany for FHA Loans
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Albany for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Syracuse, NY
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders)
- 🥈 **#2** in Syracuse, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Utica
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders)
- 🥈 **#2** in Utica Mortgage Companies
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does SEFCU SERVICES, LLC offer?

SEFCU SERVICES, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SEFCU SERVICES, LLC offer mortgages?

SEFCU SERVICES, LLC offers mortgages in 1 states: NY.

### How competitive are SEFCU SERVICES, LLC's mortgage rates?

SEFCU SERVICES, LLC has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.206% below market average.

### What type of lender is SEFCU SERVICES, LLC?

SEFCU SERVICES, LLC is a non-depository lender that specializes in mortgage origination, headquartered in ALBANY, NY.

### What is SEFCU SERVICES, LLC's loan approval success rate?

SEFCU SERVICES, LLC has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/sefcu-services

### How to Cite

> "SEFCU SERVICES, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sefcu-services

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