Top Mortgage Lenders in Albany, NY

Which mortgage lender in the Albany, NY area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Albany, NY area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Albany, NY area is SEFCU Services, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.16%. This means that SEFCU Services provided a -0.16% lower interest rate for its customers than other lenders in Albany, NY for a similar set of borrowers. SEFCU Services has a market share of 16.0%. On the other hand, the most popular lender in the market is Homestead Funding Corp, with a market share of 19.3%. Homestead Funding Corp is an average rate lender in this area, with a “Rate Difference” of -0.01% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Albany, NY area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Albany, NY is SEFCU Services. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Premium Mortgage Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Albany, NY

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.16% 16.01%
Homeowners Advantage 2, -0.13% 5.52%
Trustco Bank 3, -0.12% 9.01%
First New York Federal Credit Union 4, -0.11% 0.48%
Bank of America 5, -0.09% 1.13%
Sunmark Federal Credit Union 6, -0.07% 5.05%
NBT Bank 7, -0.06% 0.78%
Premium Mortgage Corporation 8, -0.05% 1.94%
Navy Federal Credit Union 9, -0.01% 0.72%
Homestead Funding Corp 10, -0.01% 19.33%
Chemung Canal Trust Company 11, 0.01% 0.36%
Citizens Bank 12, 0.02% 1.13%
KeyBank National Association 13, 0.02% 4.56%
Glens Falls National Bank 14, 0.03% 1.72%
Santander Bank 15, 0.03% 0.99%
Ulster Savings Bank 16, 0.03% 0.34%
Home Point Financial Corporation 17, 0.04% 2.25%
OwnersChoice Funding, Inc 18, 0.04% 0.25%
M&T Bank 19, 0.04% 1.65%
Sefcu 20, 0.04% 1.77%
Carrington Mortgage Services 21, 0.05% 0.50%
TD Bank 22, 0.05% 0.74%
Plaza Home Mortgage Inc 23, 0.06% 0.79%
Wells Fargo Bank 24, 0.06% 1.29%
LoanDepot 25, 0.06% 0.85%
JPMorgan Chase Bank 26, 0.07% 0.81%
Freedom Mortgage Corporation 27, 0.07% 0.31%
Saratoga National Bank 28, 0.07% 1.15%
1st Priority Mortgage Inc 29, 0.08% 1.23%
Newrez 30, 0.08% 0.46%
Caliber Home Loans Inc 31, 0.09% 0.87%
Movement Mortgage 32, 0.10% 0.22%
Hunt Mortgage Corporation 33, 0.11% 0.34%
Usaa Federal Savings Bank 34, 0.11% 0.74%
Primelending 35, 0.13% 1.44%
Berkshire Bank 36, 0.13% 0.39%
HomeBridge Financial Services, Inc 37, 0.16% 0.95%
Hudson River Community CU 38, 0.17% 0.70%
The Bank Of Greene County 39, 0.18% 0.71%
Guaranteed Rate Inc 40, 0.19% 0.75%
Community Bank 41, 0.21% 0.39%
MLB Residential Lending 42, 0.22% 0.27%
Nationstar Mortgage 43, 0.31% 1.26%
Quicken Loans 44, 0.33% 7.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.13% 1.21%
Homeowners Advantage 2, -0.10% 5.89%
SEFCU Services 3, -0.08% 16.95%
Sunmark Federal Credit Union 4, -0.07% 5.35%
Premium Mortgage Corporation 5, -0.06% 2.55%
NBT Bank 6, -0.06% 0.90%
First New York Federal Credit Union 7, -0.05% 0.38%
Trustco Bank 8, -0.04% 7.26%
Homestead Funding Corp 9, -0.02% 25.64%
Navy Federal Credit Union 10, -0.02% 0.90%
KeyBank National Association 11, -0.00% 2.53%
TD Bank 12, 0.00% 0.57%
Citizens Bank 13, 0.01% 0.92%
Glens Falls National Bank 14, 0.02% 2.00%
Wells Fargo Bank 15, 0.02% 1.14%
Santander Bank 16, 0.03% 1.16%
Ulster Savings Bank 17, 0.03% 0.45%
Chemung Canal Trust Company 18, 0.03% 0.21%
Home Point Financial Corporation 19, 0.04% 3.00%
M&T Bank 20, 0.04% 1.71%
Freedom Mortgage Corporation 21, 0.05% 0.21%
OwnersChoice Funding, Inc 22, 0.05% 0.24%
LoanDepot 23, 0.05% 0.26%
Berkshire Bank 24, 0.06% 0.33%
Plaza Home Mortgage Inc 25, 0.06% 0.98%
JPMorgan Chase Bank 26, 0.06% 0.89%
1st Priority Mortgage Inc 27, 0.08% 1.71%
Saratoga National Bank 28, 0.08% 1.24%
Caliber Home Loans Inc 29, 0.10% 1.07%
Movement Mortgage 30, 0.10% 0.31%
Hunt Mortgage Corporation 31, 0.11% 0.49%
Carrington Mortgage Services 32, 0.11% 0.22%
Sefcu 33, 0.13% 0.30%
Usaa Federal Savings Bank 34, 0.14% 0.87%
Primelending 35, 0.14% 1.92%
HomeBridge Financial Services, Inc 36, 0.14% 1.10%
Newrez 37, 0.15% 0.26%
Hudson River Community CU 38, 0.17% 0.19%
Guaranteed Rate Inc 39, 0.20% 1.01%
The Bank Of Greene County 40, 0.23% 0.38%
MLB Residential Lending 41, 0.24% 0.31%
Community Bank 42, 0.27% 0.38%
Nationstar Mortgage 43, 0.30% 0.70%
Quicken Loans 44, 0.36% 3.93%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.34% 14.09%
Trustco Bank 2, -0.21% 12.62%
Homeowners Advantage 3, -0.19% 4.76%
First New York Federal Credit Union 4, -0.17% 0.68%
Sunmark Federal Credit Union 5, -0.07% 4.44%
NBT Bank 6, -0.06% 0.56%
Usaa Federal Savings Bank 7, -0.00% 0.49%
Chemung Canal Trust Company 8, 0.00% 0.66%
1st Priority Mortgage Inc 9, 0.01% 0.23%
Premium Mortgage Corporation 10, 0.02% 0.68%
Navy Federal Credit Union 11, 0.02% 0.36%
OwnersChoice Funding, Inc 12, 0.03% 0.26%
Ulster Savings Bank 13, 0.03% 0.13%
Bank of America 14, 0.03% 0.98%
Carrington Mortgage Services 15, 0.03% 1.09%
Home Point Financial Corporation 16, 0.03% 0.70%
Santander Bank 17, 0.03% 0.66%
Caliber Home Loans Inc 18, 0.03% 0.45%
Citizens Bank 19, 0.03% 1.56%
Glens Falls National Bank 20, 0.04% 1.15%
M&T Bank 21, 0.04% 1.52%
Hunt Mortgage Corporation 22, 0.04% 0.04%
Sefcu 23, 0.04% 4.76%
Primelending 24, 0.04% 0.45%
Newrez 25, 0.04% 0.88%
KeyBank National Association 26, 0.05% 8.71%
Saratoga National Bank 27, 0.05% 0.96%
Plaza Home Mortgage Inc 28, 0.05% 0.41%
Guaranteed Rate Inc 29, 0.05% 0.21%
Movement Mortgage 30, 0.05% 0.04%
Homestead Funding Corp 31, 0.07% 6.40%
LoanDepot 32, 0.08% 2.07%
JPMorgan Chase Bank 33, 0.08% 0.64%
Community Bank 34, 0.09% 0.41%
Freedom Mortgage Corporation 35, 0.10% 0.51%
TD Bank 36, 0.11% 1.07%
Wells Fargo Bank 37, 0.12% 1.60%
MLB Residential Lending 38, 0.12% 0.17%
The Bank Of Greene County 39, 0.16% 1.39%
Hudson River Community CU 40, 0.18% 1.75%
HomeBridge Financial Services, Inc 41, 0.24% 0.62%
Berkshire Bank 42, 0.24% 0.51%
Quicken Loans 43, 0.32% 15.91%
Nationstar Mortgage 44, 0.32% 2.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.17% 17.82%
Homeowners Advantage 2, -0.12% 5.98%
Trustco Bank 3, -0.12% 11.76%
First New York Federal Credit Union 4, -0.11% 0.64%
Bank of America 5, -0.09% 1.33%
NBT Bank 6, -0.06% 0.95%
Sunmark Federal Credit Union 7, -0.05% 4.63%
Homestead Funding Corp 8, 0.00% 16.22%
Chemung Canal Trust Company 9, 0.01% 0.42%
Premium Mortgage Corporation 10, 0.02% 1.49%
Citizens Bank 11, 0.02% 1.33%
Glens Falls National Bank 12, 0.02% 2.10%
KeyBank National Association 13, 0.03% 5.54%
Santander Bank 14, 0.03% 1.32%
Carrington Mortgage Services 15, 0.03% 0.08%
Ulster Savings Bank 16, 0.04% 0.39%
OwnersChoice Funding, Inc 17, 0.04% 0.33%
Sefcu 18, 0.05% 2.35%
M&T Bank 19, 0.05% 1.81%
TD Bank 20, 0.05% 0.93%
Wells Fargo Bank 21, 0.07% 1.58%
1st Priority Mortgage Inc 22, 0.07% 1.06%
JPMorgan Chase Bank 23, 0.07% 1.02%
LoanDepot 24, 0.07% 0.70%
Saratoga National Bank 25, 0.08% 1.22%
Plaza Home Mortgage Inc 26, 0.08% 0.44%
Hunt Mortgage Corporation 27, 0.09% 0.24%
Home Point Financial Corporation 28, 0.09% 1.05%
Freedom Mortgage Corporation 29, 0.09% 0.17%
Newrez 30, 0.12% 0.42%
MLB Residential Lending 31, 0.13% 0.10%
Caliber Home Loans Inc 32, 0.15% 0.61%
Primelending 33, 0.15% 1.36%
Berkshire Bank 34, 0.17% 0.36%
Usaa Federal Savings Bank 35, 0.17% 0.28%
Hudson River Community CU 36, 0.17% 0.93%
Movement Mortgage 37, 0.18% 0.14%
The Bank Of Greene County 38, 0.18% 0.94%
Navy Federal Credit Union 39, 0.20% 0.34%
Guaranteed Rate Inc 40, 0.21% 0.60%
Community Bank 41, 0.21% 0.51%
HomeBridge Financial Services, Inc 42, 0.22% 0.62%
Quicken Loans 43, 0.40% 7.25%
Nationstar Mortgage 44, 0.42% 0.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.15% 1.47%
Homeowners Advantage 2, -0.09% 6.30%
SEFCU Services 3, -0.08% 19.17%
NBT Bank 4, -0.07% 1.22%
First New York Federal Credit Union 5, -0.06% 0.54%
Trustco Bank 6, -0.05% 10.25%
Sunmark Federal Credit Union 7, -0.04% 4.57%
Homestead Funding Corp 8, -0.02% 22.49%
KeyBank National Association 9, -0.01% 3.14%
TD Bank 10, -0.00% 0.77%
Citizens Bank 11, 0.01% 1.13%
LoanDepot 12, 0.01% 0.21%
Premium Mortgage Corporation 13, 0.01% 2.02%
Glens Falls National Bank 14, 0.01% 2.63%
Wells Fargo Bank 15, 0.02% 1.44%
Santander Bank 16, 0.03% 1.67%
Carrington Mortgage Services 17, 0.03% 0.06%
Chemung Canal Trust Company 18, 0.03% 0.27%
Nationstar Mortgage 19, 0.03% 0.06%
Ulster Savings Bank 20, 0.03% 0.54%
OwnersChoice Funding, Inc 21, 0.05% 0.35%
M&T Bank 22, 0.05% 1.91%
Berkshire Bank 23, 0.06% 0.23%
JPMorgan Chase Bank 24, 0.06% 1.22%
1st Priority Mortgage Inc 25, 0.07% 1.53%
Hunt Mortgage Corporation 26, 0.08% 0.38%
Freedom Mortgage Corporation 27, 0.08% 0.12%
Saratoga National Bank 28, 0.08% 1.47%
Plaza Home Mortgage Inc 29, 0.09% 0.44%
Home Point Financial Corporation 30, 0.09% 1.31%
MLB Residential Lending 31, 0.12% 0.09%
Sefcu 32, 0.12% 0.44%
Primelending 33, 0.15% 1.96%
HomeBridge Financial Services, Inc 34, 0.16% 0.71%
Hudson River Community CU 35, 0.16% 0.27%
Movement Mortgage 36, 0.17% 0.23%
Caliber Home Loans Inc 37, 0.18% 0.72%
Usaa Federal Savings Bank 38, 0.18% 0.39%
Guaranteed Rate Inc 39, 0.22% 0.84%
Navy Federal Credit Union 40, 0.22% 0.44%
Newrez 41, 0.22% 0.24%
The Bank Of Greene County 42, 0.23% 0.54%
Community Bank 43, 0.26% 0.54%
Quicken Loans 44, 0.39% 3.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.34% 15.60%
Trustco Bank 2, -0.21% 14.24%
Homeowners Advantage 3, -0.18% 5.46%
First New York Federal Credit Union 4, -0.16% 0.79%
NBT Bank 5, -0.07% 0.52%
Sunmark Federal Credit Union 6, -0.07% 4.71%
Chemung Canal Trust Company 7, 0.01% 0.67%
1st Priority Mortgage Inc 8, 0.02% 0.27%
Premium Mortgage Corporation 9, 0.03% 0.62%
OwnersChoice Funding, Inc 10, 0.04% 0.30%
Saratoga National Bank 11, 0.04% 0.79%
Bank of America 12, 0.04% 1.09%
Ulster Savings Bank 13, 0.04% 0.15%
Santander Bank 14, 0.04% 0.74%
Glens Falls National Bank 15, 0.04% 1.23%
Citizens Bank 16, 0.04% 1.65%
Home Point Financial Corporation 17, 0.04% 0.62%
Hunt Mortgage Corporation 18, 0.05% 0.02%
Caliber Home Loans Inc 19, 0.05% 0.42%
M&T Bank 20, 0.05% 1.65%
Carrington Mortgage Services 21, 0.05% 0.12%
Sefcu 22, 0.05% 5.48%
Primelending 23, 0.05% 0.39%
KeyBank National Association 24, 0.06% 9.48%
Plaza Home Mortgage Inc 25, 0.06% 0.44%
Guaranteed Rate Inc 26, 0.06% 0.20%
Usaa Federal Savings Bank 27, 0.06% 0.10%
Newrez 28, 0.07% 0.72%
Navy Federal Credit Union 29, 0.08% 0.17%
JPMorgan Chase Bank 30, 0.10% 0.69%
Homestead Funding Corp 31, 0.10% 5.92%
LoanDepot 32, 0.10% 1.51%
Community Bank 33, 0.10% 0.47%
Freedom Mortgage Corporation 34, 0.11% 0.25%
TD Bank 35, 0.12% 1.18%
Wells Fargo Bank 36, 0.13% 1.80%
MLB Residential Lending 37, 0.14% 0.12%
The Bank Of Greene County 38, 0.17% 1.60%
Hudson River Community CU 39, 0.19% 2.02%
Berkshire Bank 40, 0.25% 0.59%
HomeBridge Financial Services, Inc 41, 0.34% 0.47%
Quicken Loans 42, 0.41% 13.11%
Nationstar Mortgage 43, 0.46% 1.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Premium Mortgage Corporation 1, -0.17% 3.76%
Homeowners Advantage 2, -0.13% 5.56%
Sunmark Federal Credit Union 3, -0.12% 7.41%
SEFCU Services 4, -0.11% 12.44%
Homestead Funding Corp 5, -0.03% 32.52%
Ulster Savings Bank 6, -0.02% 0.15%
Newrez 7, 0.00% 0.64%
Home Point Financial Corporation 8, 0.01% 6.92%
M&T Bank 9, 0.01% 1.05%
Bank of America 10, 0.02% 0.04%
Navy Federal Credit Union 11, 0.02% 0.08%
Citizens Bank 12, 0.02% 0.38%
NBT Bank 13, 0.03% 0.04%
Santander Bank 14, 0.03% 0.04%
Caliber Home Loans Inc 15, 0.04% 1.54%
KeyBank National Association 16, 0.04% 0.60%
Movement Mortgage 17, 0.05% 0.60%
Carrington Mortgage Services 18, 0.05% 1.73%
Freedom Mortgage Corporation 19, 0.06% 0.64%
TD Bank 20, 0.06% 0.15%
Wells Fargo Bank 21, 0.06% 0.04%
Berkshire Bank 22, 0.06% 0.56%
Plaza Home Mortgage Inc 23, 0.08% 1.35%
Glens Falls National Bank 24, 0.10% 0.19%
1st Priority Mortgage Inc 25, 0.12% 1.88%
Primelending 26, 0.14% 1.47%
HomeBridge Financial Services, Inc 27, 0.15% 1.99%
LoanDepot 28, 0.15% 1.02%
Hunt Mortgage Corporation 29, 0.16% 0.68%
Quicken Loans 30, 0.19% 8.98%
Guaranteed Rate Inc 31, 0.20% 1.20%
Nationstar Mortgage 32, 0.26% 3.42%
MLB Residential Lending 33, 0.27% 0.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Premium Mortgage Corporation 1, -0.18% 4.07%
Homeowners Advantage 2, -0.12% 6.32%
Sunmark Federal Credit Union 3, -0.12% 8.01%
SEFCU Services 4, -0.10% 13.25%
Homestead Funding Corp 5, -0.02% 35.60%
Ulster Savings Bank 6, -0.01% 0.17%
Home Point Financial Corporation 7, 0.01% 7.84%
M&T Bank 8, 0.02% 1.17%
Bank of America 9, 0.02% 0.04%
Navy Federal Credit Union 10, 0.03% 0.09%
Newrez 11, 0.03% 0.39%
Freedom Mortgage Corporation 12, 0.03% 0.48%
NBT Bank 13, 0.03% 0.04%
Citizens Bank 14, 0.04% 0.30%
Caliber Home Loans Inc 15, 0.04% 1.78%
Movement Mortgage 16, 0.05% 0.61%
KeyBank National Association 17, 0.05% 0.65%
TD Bank 18, 0.06% 0.17%
Wells Fargo Bank 19, 0.07% 0.04%
Berkshire Bank 20, 0.07% 0.65%
Plaza Home Mortgage Inc 21, 0.09% 1.52%
Glens Falls National Bank 22, 0.11% 0.22%
LoanDepot 23, 0.11% 0.43%
1st Priority Mortgage Inc 24, 0.12% 2.17%
Primelending 25, 0.16% 1.56%
Carrington Mortgage Services 26, 0.16% 0.56%
HomeBridge Financial Services, Inc 27, 0.16% 2.04%
Hunt Mortgage Corporation 28, 0.18% 0.74%
Guaranteed Rate Inc 29, 0.21% 1.34%
MLB Residential Lending 30, 0.30% 0.95%
Quicken Loans 31, 0.35% 4.50%
Nationstar Mortgage 32, 0.36% 2.30%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.13% 7.12%
Homestead Funding Corp 2, -0.11% 12.25%
Sunmark Federal Credit Union 3, -0.07% 3.42%
Newrez 4, -0.06% 2.28%
Premium Mortgage Corporation 5, -0.05% 1.71%
Citizens Bank 6, -0.04% 0.85%
Home Point Financial Corporation 7, -0.04% 0.85%
KeyBank National Association 8, -0.03% 0.28%
Carrington Mortgage Services 9, -0.03% 9.40%
Homeowners Advantage 10, -0.02% 0.57%
Plaza Home Mortgage Inc 11, -0.02% 0.28%
M&T Bank 12, -0.02% 0.28%
Santander Bank 13, -0.01% 0.28%
Primelending 14, -0.00% 0.85%
Hunt Mortgage Corporation 15, -0.00% 0.28%
Movement Mortgage 16, 0.00% 0.57%
Guaranteed Rate Inc 17, 0.01% 0.28%
HomeBridge Financial Services, Inc 18, 0.02% 1.71%
Quicken Loans 19, 0.03% 38.46%
MLB Residential Lending 20, 0.04% 0.85%
Freedom Mortgage Corporation 21, 0.07% 1.71%
Nationstar Mortgage 22, 0.09% 10.83%
LoanDepot 23, 0.14% 4.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.05% 10.00%
KeyBank National Association 2, -0.05% 19.47%
Wells Fargo Bank 3, -0.05% 5.26%
Citizens Bank 4, -0.00% 2.63%
TD Bank 5, -0.00% 1.05%
Primelending 6, -0.00% 0.53%
M&T Bank 7, 0.00% 3.68%
JPMorgan Chase Bank 8, 0.00% 2.11%
Berkshire Bank 9, 0.01% 0.53%
Homestead Funding Corp 10, 0.01% 0.53%
Sefcu 11, 0.01% 0.53%
1st Priority Mortgage Inc 12, 0.01% 0.53%
NBT Bank 13, 0.01% 4.74%
Ulster Savings Bank 14, 0.02% 1.05%
Premium Mortgage Corporation 15, 0.02% 0.53%
Chemung Canal Trust Company 16, 0.02% 3.16%
Trustco Bank 17, 0.02% 15.26%
Sunmark Federal Credit Union 18, 0.03% 0.53%
HomeBridge Financial Services, Inc 19, 0.03% 0.53%
Navy Federal Credit Union 20, 0.04% 1.05%
Saratoga National Bank 21, 0.05% 17.89%
Glens Falls National Bank 22, 0.05% 7.37%
Plaza Home Mortgage Inc 23, 0.07% 1.05%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KeyBank National Association 1, -0.06% 12.93%
Bank of America 2, -0.06% 14.66%
Wells Fargo Bank 3, -0.06% 7.76%
Citizens Bank 4, -0.01% 3.45%
JPMorgan Chase Bank 5, -0.00% 1.72%
Primelending 6, -0.00% 0.86%
M&T Bank 7, 0.00% 4.31%
Berkshire Bank 8, 0.00% 0.86%
Homestead Funding Corp 9, 0.01% 0.86%
1st Priority Mortgage Inc 10, 0.01% 0.86%
Ulster Savings Bank 11, 0.02% 1.72%
Premium Mortgage Corporation 12, 0.02% 0.86%
NBT Bank 13, 0.02% 3.45%
Chemung Canal Trust Company 14, 0.03% 1.72%
HomeBridge Financial Services, Inc 15, 0.03% 0.86%
Saratoga National Bank 16, 0.04% 18.10%
Navy Federal Credit Union 17, 0.04% 1.72%
Glens Falls National Bank 18, 0.05% 8.62%
Trustco Bank 19, 0.05% 12.93%
Plaza Home Mortgage Inc 20, 0.07% 1.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KeyBank National Association 1, -0.04% 29.73%
Trustco Bank 2, -0.02% 18.92%
TD Bank 3, -0.00% 2.70%
M&T Bank 4, 0.00% 2.70%
Wells Fargo Bank 5, 0.01% 1.35%
JPMorgan Chase Bank 6, 0.01% 2.70%
Sefcu 7, 0.01% 1.35%
Citizens Bank 8, 0.01% 1.35%
NBT Bank 9, 0.01% 6.76%
Bank of America 10, 0.01% 2.70%
Chemung Canal Trust Company 11, 0.02% 5.41%
Sunmark Federal Credit Union 12, 0.03% 1.35%
Glens Falls National Bank 13, 0.05% 5.41%
Saratoga National Bank 14, 0.06% 17.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.16% 8.64%
LoanDepot 2, -0.10% 2.74%
SEFCU Services 3, -0.05% 6.72%
Plaza Home Mortgage Inc 4, -0.04% 3.84%
Sunmark Federal Credit Union 5, -0.04% 3.84%
Premium Mortgage Corporation 6, -0.04% 2.33%
Caliber Home Loans Inc 7, -0.03% 2.47%
Wells Fargo Bank 8, -0.02% 0.55%
HomeBridge Financial Services, Inc 9, -0.01% 2.06%
Berkshire Bank 10, -0.01% 0.14%
M&T Bank 11, -0.01% 0.82%
Homestead Funding Corp 12, -0.01% 21.81%
Movement Mortgage 13, -0.01% 0.14%
Ulster Savings Bank 14, 0.00% 0.14%
Citizens Bank 15, 0.00% 0.55%
Primelending 16, 0.01% 2.61%
1st Priority Mortgage Inc 17, 0.01% 1.51%
Newrez 18, 0.01% 0.55%
KeyBank National Association 19, 0.01% 0.69%
Hunt Mortgage Corporation 20, 0.01% 0.69%
Guaranteed Rate Inc 21, 0.02% 1.51%
Carrington Mortgage Services 22, 0.02% 2.33%
Freedom Mortgage Corporation 23, 0.02% 1.23%
Glens Falls National Bank 24, 0.03% 0.27%
JPMorgan Chase Bank 25, 0.03% 0.27%
Home Point Financial Corporation 26, 0.05% 3.43%
MLB Residential Lending 27, 0.05% 0.27%
Usaa Federal Savings Bank 28, 0.06% 10.43%
Nationstar Mortgage 29, 0.09% 2.74%
Quicken Loans 30, 0.10% 14.68%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.17% 10.17%
SEFCU Services 2, -0.04% 8.83%
Sunmark Federal Credit Union 3, -0.04% 4.61%
Plaza Home Mortgage Inc 4, -0.03% 5.37%
Premium Mortgage Corporation 5, -0.03% 3.07%
Wells Fargo Bank 6, -0.02% 0.58%
Caliber Home Loans Inc 7, -0.01% 2.69%
Homestead Funding Corp 8, -0.00% 27.26%
HomeBridge Financial Services, Inc 9, -0.00% 2.11%
M&T Bank 10, -0.00% 0.96%
Berkshire Bank 11, -0.00% 0.19%
Freedom Mortgage Corporation 12, 0.00% 0.19%
Movement Mortgage 13, 0.00% 0.19%
Citizens Bank 14, 0.01% 0.38%
Ulster Savings Bank 15, 0.01% 0.19%
1st Priority Mortgage Inc 16, 0.02% 2.11%
Primelending 17, 0.02% 3.26%
Hunt Mortgage Corporation 18, 0.02% 0.96%
KeyBank National Association 19, 0.02% 0.77%
Guaranteed Rate Inc 20, 0.03% 1.92%
LoanDepot 21, 0.03% 0.19%
Glens Falls National Bank 22, 0.04% 0.38%
JPMorgan Chase Bank 23, 0.04% 0.38%
MLB Residential Lending 24, 0.07% 0.38%
Carrington Mortgage Services 25, 0.07% 0.77%
Home Point Financial Corporation 26, 0.08% 3.84%
Nationstar Mortgage 27, 0.09% 1.92%
Usaa Federal Savings Bank 28, 0.11% 10.94%
Quicken Loans 29, 0.14% 5.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.14% 9.13%
Usaa Federal Savings Bank 2, -0.08% 9.13%
Navy Federal Credit Union 3, -0.08% 4.81%
Caliber Home Loans Inc 4, -0.06% 1.92%
Home Point Financial Corporation 5, -0.05% 2.40%
Primelending 6, -0.05% 0.96%
SEFCU Services 7, -0.04% 1.44%
HomeBridge Financial Services, Inc 8, -0.04% 1.92%
M&T Bank 9, -0.03% 0.48%
Premium Mortgage Corporation 10, -0.03% 0.48%
KeyBank National Association 11, -0.02% 0.48%
Citizens Bank 12, -0.02% 0.96%
Guaranteed Rate Inc 13, -0.02% 0.48%
Newrez 14, -0.02% 1.92%
Carrington Mortgage Services 15, -0.01% 6.25%
Wells Fargo Bank 16, -0.01% 0.48%
Sunmark Federal Credit Union 17, -0.01% 1.92%
Homestead Funding Corp 18, -0.01% 8.17%
Freedom Mortgage Corporation 19, 0.00% 3.85%
Quicken Loans 20, 0.07% 37.98%
Nationstar Mortgage 21, 0.08% 4.81%

* Data is compiled for the Albany, NY commuting zone area, which comprises of counties of Albany County, NY, Columbia County, NY, Greene County, NY, Rensselaer County, NY, Saratoga County, NY, Schenectady County, NY, Schoharie County, NY, Warren County, NY, and Washington County, NY. This includes cities/towns/communities of Albany, NY as well as Schenectady, NY, Troy, NY, Saratoga Springs, NY, Rotterdam, NY, Glens Falls, NY, Milton, NY, Westmere, NY, Round Lake, NY, Cohoes, NY, Stillwater, NY, Menands, NY, Wynantskill, NY, Colonie, NY, Hampton Manor, NY, Chatham, NY, East Greenbush, NY, Scotia, NY, Mariaville Lake, NY, West Sand Lake, NY, Glens Falls North, NY, Niskayuna, NY, West Glens Falls, NY, Watervliet, NY, Country Knolls, NY, Rensselaer, NY, Schuylerville, NY, Philmont, NY, East Glenville, NY, Ravena, NY, Valatie, NY, Greenwich, NY, Ballston Spa, NY, Windham, NY, Athens, NY, Valley Falls, NY, Copake Lake, NY, Lake George, NY, Fort Edward, NY, Hudson Falls, NY, Cairo, NY, Coxsackie, NY, Poestenkill, NY, Granville, NY, Schaghticoke, NY, Cobleskill, NY, Hudson, NY, Cambridge, NY, Schoharie, NY, Tannersville, NY, and Galway, NY. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Albany, NY area. For mortgage lender rankings of other cities, click here.