Mortgage lending in Schenectady County, New York
Lenders in Schenectady County, New York reported 5,336 mortgage applications for 2025, according to the CFPB.
5,336 mortgage applications and 3,227 loans originated in 2025; the denial rate was 24.3% of 4,410 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Albany-Schenectady-Troy, NY MSA.
- 5,336
- Applications
- 3,227
- Loans originated
- 24.3%
- Denial rate
- 1,072 denied of 4,410 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,336 | 3,227 |
| 2024 | 4,664 | 2,904 |
| 2023 | 4,869 | 3,040 |
| 2022 | 6,379 | 4,020 |
| 2021 | 8,425 | 5,535 |
| 2020 | 7,003 | 4,508 |
| 2019 | 5,628 | 3,515 |
| 2018 | 5,469 | 3,392 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Broadview Federal Credit Union | 457 | 759 |
| Trustco Bank | 280 | 483 |
| Homestead Funding Corp. | 279 | 345 |
| SEFCU Services, LLC | 271 | 305 |
| Sunmark Credit Union | 238 | 359 |
| United Wholesale Mortgage | 193 | 250 |
| Rocket Mortgage | 179 | 266 |
| First New York Federal Credit Union | 131 | 176 |
| Premium Mortgage Corporation | 83 | 107 |
| Citizens Bank, NA | 76 | 166 |
| First National Bank of Scotia | 65 | 88 |
| Keybank National Association | 56 | 108 |
| Newrez LLC | 44 | 123 |
| M&T Bank | 43 | 82 |
| Pennymac Loan Services LLC | 41 | 82 |
| Pioneer Bank, National Association | 33 | 45 |
| New American Funding, LLC. | 29 | 49 |
| JPMorgan Chase Bank, NA | 29 | 57 |
| Navy Federal Credit Union | 26 | 57 |
| Arrow Bank NA | 25 | 42 |
| Bank of America NA | 25 | 115 |
| US Mortgage Corporation | 24 | 36 |
| Community Bank, N.A. | 23 | 40 |
| Ballston Spa National Bank | 23 | 28 |
| Mortgage Research Center | 22 | 39 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 50 | no rate: base under 50 |
| Asian | 620 | 33.3% of 478 decided |
| Black or African American | 337 | 38.6% of 272 decided |
| Native Hawaiian or Other Pacific Islander | 41 | no rate: base under 50 |
| White | 3,150 | 18.4% of 2,664 decided |
| 2 or more minority races | withheld | |
| Joint | 98 | 23.9% of 88 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,009 | 31.2% of 807 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 268 | 34.4% of 218 decided |
| Not Hispanic or Latino | 4,003 | 22.1% of 3,340 decided |
| Joint | withheld | |
| Ethnicity Not Available | 971 | 30.5% of 780 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,780 | 26.0% of 1,441 decided |
| Female | 1,397 | 26.6% of 1,160 decided |
| Joint | 1,598 | 16.8% of 1,357 decided |
| Sex Not Available | 561 | 35.4% of 452 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. 1170 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