Mortgage lending in Rensselaer County, New York
Lenders in Rensselaer County, New York reported 4,930 mortgage applications for 2025, according to the CFPB.
4,930 mortgage applications and 3,088 loans originated in 2025; the denial rate was 21.8% of 4,083 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Albany-Schenectady-Troy, NY MSA.
- 4,930
- Applications
- 3,088
- Loans originated
- 21.8%
- Denial rate
- 890 denied of 4,083 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,930 | 3,088 |
| 2024 | 4,586 | 2,916 |
| 2023 | 4,399 | 2,818 |
| 2022 | 6,123 | 3,930 |
| 2021 | 8,049 | 5,438 |
| 2020 | 7,186 | 4,698 |
| 2019 | 5,733 | 3,543 |
| 2018 | 5,439 | 3,507 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Broadview Federal Credit Union | 673 | 1,130 |
| SEFCU Services, LLC | 315 | 385 |
| Homestead Funding Corp. | 315 | 392 |
| Trustco Bank | 168 | 248 |
| Rocket Mortgage | 153 | 217 |
| United Wholesale Mortgage | 119 | 146 |
| Sunmark Credit Union | 106 | 150 |
| Citizens Bank, NA | 82 | 177 |
| Premium Mortgage Corporation | 78 | 108 |
| Keybank National Association | 64 | 110 |
| Pioneer Bank, National Association | 61 | 87 |
| M&T Bank | 49 | 103 |
| Arrow Bank NA | 41 | 55 |
| Community Bank, N.A. | 37 | 55 |
| Kiavi Funding, Inc. | 37 | 44 |
| First New York Federal Credit Union | 37 | 57 |
| New American Funding, LLC. | 32 | 50 |
| Loan Funder LLC | 31 | 43 |
| Newrez LLC | 27 | 84 |
| JPMorgan Chase Bank, NA | 25 | 40 |
| Pennymac Loan Services LLC | 25 | 55 |
| Bank of America NA | 23 | 48 |
| Navy Federal Credit Union | 21 | 47 |
| Champions Funding, LLC | 21 | 27 |
| Crosscountry Mortgage, LLC | 20 | 24 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 33 | no rate: base under 50 |
| Asian | 159 | 23.8% of 122 decided |
| Black or African American | 245 | 35.8% of 179 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,513 | 22.0% of 2,980 decided |
| 2 or more minority races | under 10 | |
| Joint | 80 | 11.6% of 69 decided |
| Race Not Available | 888 | 17.1% of 697 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 182 | 32.6% of 138 decided |
| Not Hispanic or Latino | 3,784 | 22.1% of 3,181 decided |
| Joint | 91 | 17.6% of 74 decided |
| Ethnicity Not Available | 873 | 18.6% of 690 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,672 | 25.1% of 1,385 decided |
| Female | 1,177 | 28.8% of 947 decided |
| Joint | 1,540 | 14.9% of 1,315 decided |
| Sex Not Available | 541 | 17.0% of 436 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. 1288 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