Mortgage Lenders and Brokers in Albany, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Albany, New York mortgage lenders include SEFCU Services, LLCSEFCU Services, LLC180 N Main St, Alfred, NY 14802A5.0 ★Texas Ratio: 8.82%, Trustco BankTrustco Bank415 Whitehall Rd, Albany, NY 12208A+5.0 ★Texas Ratio: 4.14%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, First New York Federal Credit UnionFirst New York Federal Credit Union818 Central Ave, Albany, NY 12206 1543A+5.0 ★Texas Ratio: 3.76%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA155 Wolf Rd, Albany, NY 12205A+5.0 ★Texas Ratio: 3.68%, Keybank National AssociationKeybank National Association112 Grand Concourse, Albany, NY 12220A+5.0 ★Texas Ratio: 4.81%, Ballston Spa National BankBallston Spa National Bank1973 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 1.90%, Community Bank, N.A.Community Bank, N.A.39 N Pearl St, Albany, NY 12207A+5.0 ★Texas Ratio: 3.83%, Citizens Bank, NACitizens Bank, NA1440 Central Ave, Albany, NY 12205A+5.0 ★Texas Ratio: 5.44%, and Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 4.14%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Albany, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Albany are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Albany, New York
Market share is the lender's share of all home loans closed in Albany, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional, FHA, VA | 121 | 17.3% | 99.2% | $261,198 | View |
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★ 1.8 stars, 5 reviews 9 offices in Albany 415 Whitehall Rd, Albany, NY 12208 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 46 +20 HELOCs |
6.6% | 81.7% | $254,782 | View |
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2 offices in Albany 80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 19 +6 HELOCs |
2.7% | 87.5% | $176,052 | View |
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818 Central Ave, Albany, NY 12206 1543 A+5.0 ★Texas Ratio: 3.76% |
Conventional, HELOC | 18 +10 HELOCs |
2.6% | 72% | $114,444 | View |
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4 offices in Albany 155 Wolf Rd, Albany, NY 12205 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 15 | 2.1% | 78.9% | $207,666 | View |
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6 offices in Albany 112 Grand Concourse, Albany, NY 12220 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, HELOC | 14 +3 HELOCs |
2% | 50% | $228,571 | View |
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1 office in Albany 1973 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 1.90% |
Conventional | 10 | 1.4% | 100% | $223,000 | View |
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3 offices in Albany 39 N Pearl St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.83% |
Conventional | 8 | 1.1% | 72.7% | $238,750 | View |
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5 offices in Albany 1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 7 +52 HELOCs |
1% | 100% | $195,000 | View |
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2 offices in Albany 1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 7 +3 HELOCs |
1% | 63.6% | $260,714 | View |
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3 offices in Albany 1770 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 7 | 1% | 50% | $83,571 | View |
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2 offices in Albany 65 Wolf Rd, Albany, NY 12205 A+5.0 ★Texas Ratio: 3.61% |
Conventional | 3 | 0.4% | 83.3% | $335,000 | View |
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2 offices in Albany 54 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.43% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $170,000 | View |
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1 office in Albany 103 Wolf Rd, Albany, NY 12205 A+5.0 ★Texas Ratio: 1.35% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $265,000 | View |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +230 HELOCs |
0% | 0% | ||
Homestead Funding Corp.
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Conventional, FHA, VA | 115 | 16.4% | 99.1% | $257,521 | |
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113 Holland Ave, Albany, NY 12208 A5.0 ★Texas Ratio: 10.47% |
Conventional, FHA, VA, HELOC | 22 +17 HELOCs |
3.1% | 78.8% | $222,272 | View |
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4839 State Highway 30, Amsterdam, NY 12010 A5.0 ★Texas Ratio: 6.03% |
Conventional | 9 | 1.3% | 100% | $296,111 | View |
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501 New Karner Rd, Albany, NY 12205 A+5.0 ★Texas Ratio: 1.96% |
Conventional | 4 | 0.6% | 80% | $292,500 | View |
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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
Conventional, HELOC | 3 +1 HELOCs |
0.4% | 42.9% | $135,000 | View |
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1643 Route 9, Clifton Park, NY 12065 A5.0 ★Texas Ratio: 11.34% |
Conventional | 3 | 0.4% | 100% | $311,666 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 3 | 0.4% | 50% | $198,333 | View |
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273 Route 32, Central Valley, NY 10917 A5.0 ★Texas Ratio: 12.14% |
Conventional | 2 | 0.3% | 66.7% | $215,000 | View |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
NextStep FCU
325 Washington Avenue Ext, Albany, NY 12205 5581 |
Conventional | 1 | 0.1% | 100% | $35,000 | |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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35 Niver St, Cohoes, NY 12047 A+5.0 ★Texas Ratio: 5.82% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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322 Ruhle Rd S, Ballston Lake, NY 12019 A+5.0 ★Texas Ratio: 2.37% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
Conventional | 1 | 0.1% | 100% | $95,000 | |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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2290 Delaware Ave Ste 100, BUFFALO, NY 14216 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Premium Mortgage Corporation
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Conventional, FHA, VA | 25 | 3.6% | 89.3% | $233,800 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 4 | 0.6% | 100% | $260,000 | |
National Bank of Coxsackie
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Conventional | 3 | 0.4% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 0.4% | 60% | $288,333 | View |
Reliance First Capital, LLC
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FHA | 3 | 0.4% | 100% | $188,333 | |
Hunt Mortgage Corporation
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Conventional, FHA | 2 | 0.3% | 100% | $225,000 | |
1St Priority Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $225,000 | |
UNMB Home Loans Inc
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FHA | 1 | 0.1% | 100% | $215,000 | |
United Nations Federal CU
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 47 | 6.7% | 72.3% | $205,638 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 45 | 6.4% | 95.8% | $263,222 | |
New American Funding, LLC.
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Conventional, VA | 20 | 2.9% | 87% | $266,000 | |
Newrez LLC
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Conventional, FHA | 9 | 1.3% | 47.6% | $186,111 | |
Movement Mortgage, LLC
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Conventional | 7 | 1% | 100% | $192,142 | |
Nationstar Mortgage
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Conventional, FHA, VA | 7 | 1% | 87.5% | $232,142 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 6 | 0.9% | 66.7% | $348,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 0.9% | 75% | $335,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 0.9% | 75% | $206,666 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 0.7% | 55.6% | $161,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 0.6% | 66.7% | $320,000 | |
Guaranteed Rate, Inc.
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Conventional | 3 | 0.4% | 100% | $221,666 | |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 0.4% | 50% | $241,666 | |
Cmg Mortgage Inc
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Conventional, FHA | 3 | 0.4% | 100% | $251,666 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 3 | 0.4% | 75% | $158,333 | View |
Mortgage Research Center
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FHA, VA | 3 | 0.4% | 37.5% | $308,333 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 2 +2 HELOCs |
0.3% | 22.2% | $300,000 | |
Nbkc Bank
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Conventional, VA | 2 | 0.3% | 100% | $365,000 | |
Norwich Commercial Group Inc
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Conventional | 2 | 0.3% | 100% | $205,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.3% | 100% | $260,000 | |
General Mortgage Capital Corporation
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Conventional | 2 | 0.3% | 100% | $170,000 | |
Discover Bank
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Conventional | 2 | 0.3% | 15.4% | $45,000 | |
American Federal Mortgage Corporation
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Conventional | 2 | 0.3% | 100% | $460,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 2 | 0.3% | 40% | $180,000 | View |
Uif Corporation
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Conventional | 2 | 0.3% | 66.7% | $270,000 | |
EMM Loans LLC
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VA | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.1% | 25% | $135,000 | View |
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A+5.0 ★Texas Ratio: 4.93% |
VA | 1 | 0.1% | 100% | $45,000 | View |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 100% | $245,000 | |
Millenium Home Mortgage
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.1% | 100% | $295,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $355,000 | View |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $195,000 | |
1St 2Nd Mortgage Company of N.J., Inc.
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Conventional | 1 | 0.1% | 50% | $235,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.1% | 33.3% | $185,000 | |
Gold Coast Bank
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Conventional | 1 | 0.1% | 100% | $125,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Albany Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Albany, New York
Looking for mortgage lenders near me or mortgage brokers near me in Albany? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Albany in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Albany, NY
Use these to narrow the list above. Each category shows how many Albany, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Albany, NY
Independent mortgage companies closed 49.6 percent of home loans in Albany, New York in 2025, banks 24.4 percent and credit unions 26 percent. Homestead Funding Corp. was the largest mortgage company, Trustco Bank the largest bank and SEFCU Services, LLC the largest credit union. Among lenders headquartered in New York, SEFCU Services, LLC led with 121 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Albany, NY
By home loans closed in 2025, SEFCU Services, LLC was the largest mortgage lender in Albany, New York with 121 loans, about 17.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Albany, New York, SEFCU Services, LLC approved the highest share of completed applications in 2025 at 99.2 percent, against a 80.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Albany, New York in 2025, led by Homestead Funding Corp. with 20. 16 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 29 banks and 16 credit unions closed home loans in Albany, New York in 2025, alongside 38 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Albany, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Albany, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Albany. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
