Mortgage Lenders and Brokers in Watervliet, 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
Watervliet, New York mortgage lenders include Pioneer Bank, National AssociationPioneer Bank, National Association2000 2nd Ave, Watervliet, NY 12189A+5.0 ★Texas Ratio: 3.19%, SEFCU Services, LLCSEFCU Services, LLC180 N Main St, Alfred, NY 14802A5.0 ★Texas Ratio: 8.82%, Sunmark Credit UnionSunmark Credit Union113 Holland Ave, Albany, NY 12208A5.0 ★Texas Ratio: 10.47%, Ballston Spa National BankBallston Spa National Bank1973 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 1.90%, Trustco BankTrustco Bank327 Route 59, Airmont, NY 10952A+5.0 ★Texas Ratio: 4.14%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, Hudson River Community CUHudson River Community CU35 Niver St, Cohoes, NY 12047A+5.0 ★Texas Ratio: 5.82%, First National Bank of ScotiaFirst National Bank of Scotia1643 Route 9, Clifton Park, NY 12065A5.0 ★Texas Ratio: 11.34%, Wells Fargo Bank NAWells Fargo Bank NA921 Saw Mill River Rd, Ardsley, NY 10502A+5.0 ★Texas Ratio: 5.36%, and Sidney Federal Credit UnionSidney Federal Credit Union4839 State Highway 30, Amsterdam, NY 12010A5.0 ★Texas Ratio: 6.03%. 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 Watervliet, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Watervliet 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 Watervliet, New York
Market share is the lender's share of all home loans closed in Watervliet, 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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1 office in Watervliet 2000 2nd Ave, Watervliet, NY 12189 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 8 | 7.7% | 100% | $101,250 | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional, FHA | 19 | 18.3% | 95% | $212,894 | View |
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113 Holland Ave, Albany, NY 12208 A5.0 ★Texas Ratio: 10.47% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
2.9% | 100% | $181,666 | View |
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1973 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 1.90% |
Conventional | 3 | 2.9% | 100% | $235,000 | View |
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★ 1.8 stars, 5 reviews 327 Route 59, Airmont, NY 10952 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
1.9% | 50% | $200,000 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 1.9% | 100% | $195,000 | View |
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35 Niver St, Cohoes, NY 12047 A+5.0 ★Texas Ratio: 5.82% |
Conventional | 2 | 1.9% | 66.7% | $50,000 | View |
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1643 Route 9, Clifton Park, NY 12065 A5.0 ★Texas Ratio: 11.34% |
Conventional | 2 | 1.9% | 66.7% | $220,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 2 | 1.9% | 100% | $140,000 | View |
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4839 State Highway 30, Amsterdam, NY 12010 A5.0 ★Texas Ratio: 6.03% |
Conventional | 2 | 1.9% | 100% | $175,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +4 HELOCs |
1% | 50% | $135,000 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 100% | $225,000 | View |
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26 E Church St, Adams, NY 13605 A+5.0 ★Texas Ratio: 3.83% |
Conventional | 1 | 1% | 100% | $245,000 | View |
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818 Central Ave, Albany, NY 12206 1543 A+5.0 ★Texas Ratio: 3.76% |
Conventional | 1 | 1% | 50% | $75,000 | View |
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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
Conventional | 1 | 1% | 100% | $35,000 | View |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
FHA | 1 | 1% | 100% | $295,000 | View |
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501 New Karner Rd, Albany, NY 12205 A+5.0 ★Texas Ratio: 1.96% |
Conventional | 1 | 1% | 100% | $295,000 | View |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +22 HELOCs |
0% | n/a | ||
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Homestead Funding Corp.
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Conventional, FHA | 17 | 16.3% | 100% | $237,352 | |
Premium Mortgage Corporation
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Conventional, VA | 4 | 3.8% | 100% | $207,500 | |
National Bank of Coxsackie
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Conventional | 3 | 2.9% | 100% | $291,666 | |
1St Priority Mortgage, Inc.
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Conventional, FHA | 2 | 1.9% | 100% | $165,000 | |
Mid-Island Mortgage Corp.
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FHA | 1 | 1% | 100% | $165,000 | |
Reliance First Capital, LLC
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FHA | 1 | 1% | 100% | $195,000 | |
United Wholesale Mortgage
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Conventional | 4 | 3.8% | 80% | $265,000 | |
Rocket Mortgage
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Conventional, FHA | 4 | 3.8% | 80% | $197,500 | |
Fairway Independent Mort Corp
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Conventional | 3 | 2.9% | 100% | $205,000 | |
Newrez LLC
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Conventional, FHA | 2 | 1.9% | 66.7% | $260,000 | |
New American Funding, LLC.
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Conventional | 2 | 1.9% | 100% | $205,000 | |
EMM Loans LLC
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VA | 1 | 1% | 100% | $285,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1% | 100% | $195,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 1% | 100% | $205,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 1% | 100% | $365,000 | |
Pennymac Loan Services LLC
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VA | 1 | 1% | 100% | $145,000 | |
Nationstar Mortgage
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Conventional | 1 | 1% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 1% | 100% | $265,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 1% | 50% | $225,000 | |
Texana Bank
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VA | 1 | 1% | 100% | $255,000 |
Watervliet 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 Watervliet, New York
Looking for mortgage lenders near me or mortgage brokers near me in Watervliet? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Watervliet in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Watervliet, NY
Use these to narrow the list above. Each category shows how many Watervliet, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Watervliet, NY
Independent mortgage companies closed 46.2 percent of home loans in Watervliet, New York in 2025, banks 26 percent and credit unions 27.9 percent. United Mortgage Corp. was the largest mortgage company, Pioneer Bank, National Association the largest bank and SEFCU Services, LLC the largest credit union. Among lenders headquartered in New York, Pioneer Bank, National Association led with 8 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 Watervliet, NY
By home loans closed in 2025, Pioneer Bank, National Association was the largest mortgage lender in Watervliet, New York with 8 loans, about 7.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Watervliet, New York in 2025, led by Homestead Funding Corp. with 6. 7 lenders closed VA loans, led by Premium Mortgage Corporation. 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. 13 banks and 8 credit unions closed home loans in Watervliet, New York in 2025, alongside 18 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 Watervliet, 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 Watervliet, 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 Watervliet. 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.
