Mortgage Lenders and Brokers in Troy, 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
Troy, New York mortgage lenders include Pioneer Bank, National AssociationPioneer Bank, National Association712 Hoosick Rd, Troy, NY 12180A+5.0 ★Texas Ratio: 3.19%, Trustco BankTrustco Bank740 Hoosick Rd, Troy, NY 12180A+5.0 ★Texas Ratio: 4.14%, Keybank National AssociationKeybank National Association820 2nd Ave, Troy, NY 12182A+5.0 ★Texas Ratio: 4.81%, M&T BankM&T Bank313 N Greenbush Rd, Troy, NY 12180A+5.0 ★Texas Ratio: 4.11%, Bank of America NABank of America NA59 3rd St, Troy, NY 12180A+5.0 ★Texas Ratio: 4.14%, Arrow Bank NAArrow Bank NA120 Hoosick St, Troy, NY 12180A+5.0 ★Texas Ratio: 1.96%, Citizens Bank, NACitizens Bank, NA9 126th St, Troy, NY 12182A+5.0 ★Texas Ratio: 5.44%, NextStep FCUNextStep FCU150 Defreest Dr, Troy, NY 12180, SEFCU Services, LLCSEFCU Services, LLC180 N Main St, Alfred, NY 14802A5.0 ★Texas Ratio: 8.82%, and Sunmark Credit UnionSunmark Credit Union722 Hoosick Rd, Troy, NY 12180 8822A5.0 ★Texas Ratio: 10.47%. 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 Troy, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Troy 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 Troy, New York
Market share is the lender's share of all home loans closed in Troy, 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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2 offices in Troy 712 Hoosick Rd, Troy, NY 12180 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 17 | 5.3% | 81% | $119,117 | View |
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★ 1.8 stars, 5 reviews 2 offices in Troy 740 Hoosick Rd, Troy, NY 12180 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 11 +11 HELOCs |
3.4% | 78.6% | $208,636 | View |
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3 offices in Troy 820 2nd Ave, Troy, NY 12182 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 9 +1 HELOCs |
2.8% | 60% | $142,777 | View |
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2 offices in Troy 313 N Greenbush Rd, Troy, NY 12180 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, VA, HELOC | 8 +3 HELOCs |
2.5% | 90% | $173,750 | View |
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1 office in Troy 59 3rd St, Troy, NY 12180 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 6 +2 HELOCs |
1.9% | 100% | $180,000 | View |
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1 office in Troy 120 Hoosick St, Troy, NY 12180 A+5.0 ★Texas Ratio: 1.96% |
Conventional, HELOC | 3 +3 HELOCs |
0.9% | 75% | $335,000 | View |
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1 office in Troy 9 126th St, Troy, NY 12182 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +16 HELOCs |
0.6% | 100% | $180,000 | View |
NextStep FCU
150 Defreest Dr, Troy, NY 12180 |
Conventional | 2 | 0.6% | 100% | $75,000 | |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional, FHA, VA | 61 | 19% | 98.4% | $235,163 | View |
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722 Hoosick Rd, Troy, NY 12180 8822 A5.0 ★Texas Ratio: 10.47% |
Conventional, FHA, HELOC | 15 +5 HELOCs |
4.7% | 79.2% | $184,333 | View |
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31 Jordan Rd, Troy, NY 12180 8548 A+5.0 ★Texas Ratio: 3.76% |
Conventional, HELOC | 5 +1 HELOCs |
1.6% | 71.4% | $111,000 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 4 | 1.2% | 100% | $190,000 | View |
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26 E Church St, Adams, NY 13605 A+5.0 ★Texas Ratio: 3.83% |
Conventional | 4 | 1.2% | 100% | $275,000 | View |
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20 Wade Rd, Latham, NY 12110 3520 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 2 | 0.6% | 100% | $50,000 | View |
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1973 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 1.90% |
Conventional | 2 | 0.6% | 100% | $100,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.6% | 66.7% | $245,000 | View |
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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $65,000 | View |
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182 Main St, Afton, NY 13730 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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65 Wolf Rd, Albany, NY 12205 A+5.0 ★Texas Ratio: 3.61% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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322 Ruhle Rd S, Ballston Lake, NY 12019 A+5.0 ★Texas Ratio: 2.37% |
Conventional | 1 | 0.3% | 50% | $205,000 | View |
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65 state st, Auburn, NY 13021 A5.0 ★Texas Ratio: 7.78% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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256 Hoosick St, Troy, NY 12180 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +81 HELOCs |
0% | 0% | ||
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★ 1 stars, 1 review 295 Grant Ave, Auburn, NY 13021 A-5.0 ★Texas Ratio: 14.76% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Homestead Funding Corp.
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Conventional, FHA | 47 | 14.6% | 97.9% | $230,319 | |
Premium Mortgage Corporation
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Conventional, FHA | 8 | 2.5% | 80% | $273,750 | |
1St Priority Mortgage, Inc.
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Conventional, FHA | 4 | 1.2% | 100% | $227,500 | |
Hunt Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $185,000 | |
Reliance First Capital, LLC
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FHA | 2 | 0.6% | 100% | $250,000 | |
Cliffco, Inc.
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Summit Mortgage Bankers, Inc.
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Conventional | 1 | 0.3% | 100% | $635,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
Nationwide Mortgage Bankers, Inc.
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FHA | 1 | 0.3% | 100% | $295,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 20 +1 HELOCs |
6.2% | 90.9% | $234,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 20 | 6.2% | 75% | $213,500 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 7 | 2.2% | 100% | $279,285 | |
New American Funding, LLC.
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Conventional, FHA | 7 | 2.2% | 77.8% | $225,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
1.9% | 100% | $253,333 | |
Newrez LLC
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Conventional, FHA | 5 | 1.6% | 45.5% | $193,000 | |
loanDepot.com LLC
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Conventional, FHA, VA | 4 | 1.2% | 80% | $145,000 | |
General Mortgage Capital Corporation
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Conventional | 4 | 1.2% | 100% | $272,500 | |
Fairway Independent Mort Corp
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Conventional | 4 | 1.2% | 83.3% | $217,500 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 0.9% | 100% | $215,000 | |
Plaza Home Mortgage, Inc
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Conventional | 3 | 0.9% | 60% | $225,000 | |
Movement Mortgage, LLC
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Conventional, VA | 2 | 0.6% | 100% | $265,000 | |
Pennymac Loan Services LLC
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FHA, VA | 2 | 0.6% | 40% | $200,000 | |
Mortgage Research Center
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VA | 2 | 0.6% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Primelending
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FHA | 1 | 0.3% | 100% | $195,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $225,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 0.3% | 50% | $185,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 20% | $65,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | 0% |
Troy 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 Troy, New York
Looking for mortgage lenders near me or mortgage brokers near me in Troy? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Troy in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Troy, NY
Use these to narrow the list above. Each category shows how many Troy, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Troy, NY
Independent mortgage companies closed 48 percent of home loans in Troy, New York in 2025, banks 23.1 percent and credit unions 29 percent. Homestead Funding Corp. was the largest mortgage company, Pioneer Bank, National Association the largest bank and NextStep FCU the largest credit union. Among lenders headquartered in New York, Pioneer Bank, National Association led with 17 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 Troy, NY
By home loans closed in 2025, Pioneer Bank, National Association was the largest mortgage lender in Troy, New York with 17 loans, about 5.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Troy, New York, SEFCU Services, LLC approved the highest share of completed applications in 2025 at 98.4 percent, against a 84.3 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.
19 lenders closed FHA loans in Troy, New York in 2025, led by Homestead Funding Corp. with 12. 10 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. 17 banks and 10 credit unions closed home loans in Troy, New York in 2025, alongside 28 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 Troy, 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 Troy, 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 Troy. 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.
