Mortgage lending in Albany County, New York
Lenders in Albany County, New York reported 9,071 mortgage applications for 2025, according to the CFPB.
9,071 mortgage applications and 5,656 loans originated in 2025; the denial rate was 21.6% of 7,473 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Albany-Schenectady-Troy, NY MSA.
- 9,071
- Applications
- 5,656
- Loans originated
- 21.6%
- Denial rate
- 1,616 denied of 7,473 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,071 | 5,656 |
| 2024 | 7,775 | 4,978 |
| 2023 | 8,139 | 5,141 |
| 2022 | 11,073 | 7,187 |
| 2021 | 15,277 | 10,324 |
| 2020 | 14,084 | 9,466 |
| 2019 | 10,794 | 6,867 |
| 2018 | 9,919 | 6,504 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Broadview Federal Credit Union | 1,272 | 1,995 |
| SEFCU Services, LLC | 626 | 760 |
| Homestead Funding Corp. | 535 | 664 |
| Trustco Bank | 379 | 633 |
| Citizens Bank, NA | 240 | 452 |
| Rocket Mortgage | 226 | 334 |
| Sunmark Credit Union | 213 | 299 |
| United Wholesale Mortgage | 183 | 246 |
| First New York Federal Credit Union | 97 | 147 |
| Keybank National Association | 97 | 182 |
| Premium Mortgage Corporation | 96 | 138 |
| Pioneer Bank, National Association | 85 | 131 |
| M&T Bank | 79 | 157 |
| New American Funding, LLC. | 69 | 105 |
| Bank of America NA | 63 | 175 |
| Newrez LLC | 55 | 147 |
| Ballston Spa National Bank | 54 | 68 |
| Community Bank, N.A. | 48 | 76 |
| Arrow Bank NA | 43 | 67 |
| Loan Funder LLC | 42 | 80 |
| Kiavi Funding, Inc. | 42 | 83 |
| NBT Bank NA | 40 | 60 |
| Sidney Federal Credit Union | 39 | 44 |
| The Bank of Greene County | 38 | 49 |
| Fairway Independent Mort Corp | 34 | 56 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 44 | no rate: base under 50 |
| Asian | 781 | 24.6% of 609 decided |
| Black or African American | 722 | 39.0% of 567 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,721 | 19.5% of 4,822 decided |
| 2 or more minority races | withheld | |
| Joint | 165 | 18.7% of 150 decided |
| Race Not Available | 1,607 | 20.0% of 1,269 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 396 | 26.0% of 312 decided |
| Not Hispanic or Latino | 6,919 | 22.0% of 5,764 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,581 | 18.6% of 1,246 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,099 | 25.5% of 2,508 decided |
| Female | 2,300 | 27.4% of 1,870 decided |
| Joint | 2,709 | 13.9% of 2,327 decided |
| Sex Not Available | 963 | 18.1% of 768 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1028 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved