New York · HMDA 2025
Mortgage lenders in Albany County, NY
222 lenders reported 9,902 home-loan applications in Albany County in 2025. 5,656 closed as loans ($1.3B), 1,616 were denied — a 21.6% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 35% of applications, led by Broadview Federal Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,902
- Loans originated
- 5,656
- Purchase / refinance
- 2,741 / 1,208
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Albany County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Broadview Federal Credit Union 59 out of 100, Moderate | 1,996 | 20.2% | 29.9% |
| 2 | SEFCU SERVICES, LLC | 760 | 7.7% | — |
| 3 | HOMESTEAD FUNDING CORP. | 665 | 6.7% | — |
| 4 | TrustCo Bank 62 out of 100, Moderate | 633 | 6.4% | 28.5% |
| 5 | Citizens Bank, National Association 54 out of 100, Below average | 542 | 5.5% | 32.5% |
| 6 | Rocket Mortgage, LLC | 348 | 3.5% | — |
| 7 | SUNMARK CREDIT UNION 56 out of 100, Moderate | 299 | 3.0% | 13.3% |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 292 | 2.9% | 14.1% |
| 9 | Pioneer Bank 62 out of 100, Moderate | 247 | 2.5% | 24.6% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 246 | 2.5% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 208 | 2.1% | — |
| 12 | KeyBank National Association 63 out of 100, Moderate | 183 | 1.8% | 32.8% |
| 13 | NEWREZ LLC | 180 | 1.8% | — |
| 14 | Bank of America, National Association 59 out of 100, Moderate | 179 | 1.8% | 44.7% |
| 15 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 162 | 1.6% | 32.9% |
| 16 | FIRST NEW YORK | 147 | 1.5% | — |
| 17 | PREMIUM MORTGAGE CORPORATION | 138 | 1.4% | — |
| 18 | Broker Solutions, Inc. | 105 | 1.1% | — |
| 19 | Kiavi Funding, Inc. | 83 | 0.8% | — |
| 20 | Loan Funder LLC | 80 | 0.8% | — |
| 21 | Community Bank, National Association 62 out of 100, Moderate | 76 | 0.8% | 18.9% |
| 22 | Ballston Spa National Bank 55 out of 100, Moderate | 68 | 0.7% | 1.8% |
| 23 | Discover Bank | 67 | 0.7% | — |
| 24 | HUDSON VALLEY CREDIT UNION | 67 | 0.7% | — |
| 25 | Glens Falls National Bank and Trust Company 66 out of 100, Moderate | 67 | 0.7% | 20.5% |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 65 | 0.7% | 32.9% |
| 27 | NBT Bank, National Association 64 out of 100, Moderate | 65 | 0.7% | 23.4% |
| 28 | PHH Mortgage Corporation | 65 | 0.7% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 58 | 0.6% | — |
| 30 | Fairway Independent Mortgage Corporation | 56 | 0.6% | — |
| 31 | Hometown Equity Mortgage, LLC | 50 | 0.5% | — |
| 32 | The Bank of Greene County 77 out of 100, Strong | 49 | 0.5% | 24.3% |
| 33 | Emporium TPO LLC | 47 | 0.5% | — |
| 34 | LENDINGONE, LLC | 47 | 0.5% | — |
| 35 | Loandepot.Com, LLC | 45 | 0.5% | — |
| 36 | Sidney Federal Credit Union 67 out of 100, Moderate | 44 | 0.4% | 13.9% |
| 37 | FREEDOM MORTGAGE CORPORATION | 42 | 0.4% | — |
| 38 | PLANET HOME LENDING, LLC | 41 | 0.4% | — |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 39 | 0.4% | 22.2% |
| 40 | PLAZA HOME MORTGAGE, INC. | 38 | 0.4% | — |
Top 40 of 222 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Rockland County 9,168 apps