New York · HMDA 2025
Mortgage lenders in Schenectady County, NY
181 lenders reported 5,882 home-loan applications in Schenectady County in 2025. 3,227 closed as loans ($678.9M), 1,072 were denied — a 24.3% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 27% of applications, led by Broadview Federal Credit Union. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,882
- Loans originated
- 3,227
- Purchase / refinance
- 1,658 / 692
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Schenectady County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Broadview Federal Credit Union 59 out of 100, Moderate | 759 | 12.9% | 29.9% |
| 2 | TrustCo Bank 62 out of 100, Moderate | 483 | 8.2% | 28.5% |
| 3 | SUNMARK CREDIT UNION 56 out of 100, Moderate | 359 | 6.1% | 13.3% |
| 4 | HOMESTEAD FUNDING CORP. | 345 | 5.9% | — |
| 5 | SEFCU SERVICES, LLC | 305 | 5.2% | — |
| 6 | Rocket Mortgage, LLC | 271 | 4.6% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 250 | 4.3% | — |
| 8 | Citizens Bank, National Association 54 out of 100, Below average | 216 | 3.7% | 32.5% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 190 | 3.2% | 14.1% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 190 | 3.2% | — |
| 11 | FIRST NEW YORK | 176 | 3.0% | — |
| 12 | NEWREZ LLC | 151 | 2.6% | — |
| 13 | Bank of America, National Association 59 out of 100, Moderate | 116 | 2.0% | 44.7% |
| 14 | LENDINGONE, LLC | 112 | 1.9% | — |
| 15 | KeyBank National Association 63 out of 100, Moderate | 109 | 1.9% | 32.8% |
| 16 | PREMIUM MORTGAGE CORPORATION | 107 | 1.8% | — |
| 17 | Pioneer Bank 62 out of 100, Moderate | 107 | 1.8% | 24.6% |
| 18 | First National Bank of Scotia 55 out of 100, Moderate | 88 | 1.5% | 13.8% |
| 19 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 87 | 1.5% | 32.9% |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 57 | 1.0% | 32.9% |
| 21 | PHH Mortgage Corporation | 52 | 0.9% | — |
| 22 | Discover Bank | 51 | 0.9% | — |
| 23 | Broker Solutions, Inc. | 49 | 0.8% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 46 | 0.8% | — |
| 25 | Glens Falls National Bank and Trust Company 66 out of 100, Moderate | 42 | 0.7% | 20.5% |
| 26 | FREEDOM MORTGAGE CORPORATION | 41 | 0.7% | — |
| 27 | Community Bank, National Association 62 out of 100, Moderate | 40 | 0.7% | 18.9% |
| 28 | HUDSON VALLEY CREDIT UNION | 40 | 0.7% | — |
| 29 | Mortgage Research Center, LLC | 39 | 0.7% | — |
| 30 | PLAZA HOME MORTGAGE, INC. | 37 | 0.6% | — |
| 31 | US MORTGAGE CORPORATION | 36 | 0.6% | — |
| 32 | NBT Bank, National Association 64 out of 100, Moderate | 33 | 0.6% | 23.4% |
| 33 | Fairway Independent Mortgage Corporation | 32 | 0.5% | — |
| 34 | Loandepot.Com, LLC | 32 | 0.5% | — |
| 35 | CARRINGTON MORTGAGE SERVICES, LLC | 32 | 0.5% | — |
| 36 | PLANET HOME LENDING, LLC | 30 | 0.5% | — |
| 37 | Ballston Spa National Bank 55 out of 100, Moderate | 28 | 0.5% | 1.8% |
| 38 | Hometown Equity Mortgage, LLC | 28 | 0.5% | — |
| 39 | TD Bank, National Association 63 out of 100, Moderate | 26 | 0.4% | 35.3% |
| 40 | Loan Funder LLC | 24 | 0.4% | — |
Top 40 of 181 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
- Albany County 9,902 apps