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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Albany County, New York

Fat Boy Data analyzed home purchase mortgage activity in Albany County, New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 7,843 applications were decided by 178 lenders between 2023 and 2025.

Albany County at a glance

178Active lenders48 with 20+ decisions
90.5%Market approval rate7,098 of 7,843 decided
$285KTypical loanmedian lender, $10K brackets
95%Borrower take-up6,776 loans funded

How Albany County compares

Approval rate compared
Albany County90.5%New York87.7%All 616 counties87.6%
Typical loan compared
Albany County$285KNew York$495KAll 616 counties$335K

What the data shows

Sefcu Services, LLC made the most home purchase mortgages in Albany County, NY, 2,009 of them.

That is 30% of every home purchase mortgage originated here, so this market is unusually concentrated in one lender.

Ballston Spa National Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 76.

The typical home purchase mortgage here is $285K, 42% smaller than the New York typical of $495K.

Approval rate of all 48 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 29% approved of 24First Credit Corporation of New York, Inc.: 44% approved of 36Credit Human Federal Credit Union: 50% approved of 32The National Bank of Coxsackie: 57% approved of 23USAA Federal Savings Bank: 63% approved of 27Broadview Federal Credit Union: 69% approved of 261Navy Federal Credit Union: 71% approved of 52Wells Fargo Bank, National Association: 73% approved of 26JPMorgan Chase Bank, National Association: 73% approved of 82Citizens Bank, National Association: 75% approved of 91KeyBank National Association: 76% approved of 194Bank of America, National Association: 77% approved of 91Community Bank, National Association: 77% approved of 79TD Bank, National Association: 79% approved of 39Rocket Mortgage, LLC: 80% approved of 162Plaza Home Mortgage, Inc.: 81% approved of 94Manufacturers and Traders Trust Company: 81% approved of 189Uif Corporation: 83% approved of 24Crosscountry Mortgage, LLC: 86% approved of 35Triad Financial Services, Inc.: 87% approved of 30Premium Mortgage Corporation: 88% approved of 233Fairway Independent Mortgage Corporation: 89% approved of 122Mortgage Research Center, LLC: 89% approved of 46First New York: 90% approved of 41Hunt Mortgage Corporation: 91% approved of 22United Wholesale Mortgage, LLC: 91% approved of 520Saratoga N.A.tional Bank and Trust Company: 91% approved of 56New American Funding, LLC: 91% approved of 57TrustCo Bank: 92% approved of 372Arrow Bank National Association: 92% approved of 26NBT Bank, National Association: 93% approved of 46Newrez LLC: 94% approved of 63Sunmark Credit Union: 94% approved of 221Pennymac Loan Services, LLC: 96% approved of 48Guaranteed Rate, Inc.: 96% approved of 48Movement Mortgage, LLC: 96% approved of 51The Bank of Greene County: 96% approved of 26Sidney Federal Credit Union: 97% approved of 611St Priority Mortgage, Inc.: 97% approved of 31Chemung Canal Trust Company: 97% approved of 33Homestead Funding Corp.: 98% approved of 1,267Sefcu Services, LLC: 98% approved of 2,129Ballston Spa National Bank: 100% approved of 76Emm Loans LLC: 100% approved of 26Guidance Residential, LLC: 100% approved of 22First National Bank of Scotia: 100% approved of 21General Mortgage Capital Corporation: 100% approved of 21Us Mortgage Corporation: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in Albany County

LenderApprovalApprovedTaken upTypical loanLoans made
1Sefcu Services, LLC98%2,097 / 2,12996%$285K2,009
2Homestead Funding Corp.98%1,240 / 1,26799%$285K1,233
3United Wholesale Mortgage, LLCBroker only91%473 / 52099%$275K466
4TrustCo Bank92%341 / 37294%$285K321
5Broadview Federal Credit Union69%181 / 26196%$125K174

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 173 more lenders.

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You are seeing the 5 largest home purchase mortgage lenders in Albany County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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