Top Mortgage Lenders in Albany, NY

Which mortgage lender in the Albany, NY area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Albany, NY area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Albany, NY area in terms of interest rate is SEFCU, with an average “Rate Difference” of -0.16%. This means that, comparing similar borrowers, SEFCU provided a -0.16% lower interest rate for its customers than other lenders in the area. SEFCU has a market share of 16.5%. On the other hand, the most popular lender in the Albany, NY area is Homestead Funding Corp, with a larger market share of 19.9%. Homestead Funding Corp is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.01% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Albany, NY area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Albany, NY is SEFCU. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Premium Mortgage Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Albany, NY

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Homeowners Advantage-0.13%(4.0)5.69%
Trustco Bank-0.12%(4.0)9.29%
First New York Federal Credit Union-0.11%(4.0)0.49%
Bank of America-0.09%(4.0)1.16%
Sunmark Credit Union-0.07%(4.0)5.21%
NBT Bank-0.06%(4.0)0.81%
Premium Mortgage Corporation-0.05%(3.5)2.00%
Navy Federal Credit Union-0.01%(3.5)0.74%
Homestead Funding Corp-0.01%(3.5)19.93%
Chemung Canal Trust Company0.01%(3.5)0.37%
Glens Falls National Bank0.03%(3.5)1.78%
Santander Bank0.03%(3.5)1.03%
Ulster Savings Bank0.04%(3.5)0.35%
Home Point Financial Corporation0.04%(3.5)2.32%
OwnersChoice Funding0.04%(3.5)0.25%
M&T Bank0.04%(3.5)1.69%
Carrington Mortgage Services0.05%(3.5)0.52%
TD Bank0.05%(3.0)0.76%
Plaza Home Mortgage0.06%(3.0)0.80%
Wells Fargo Bank0.06%(3.0)1.33%
JPMorgan Chase Bank0.07%(3.0)0.82%
Freedom Mortgage Corporation0.07%(3.0)0.31%
Saratoga National Bank0.08%(3.0)1.18%
1st Priority Mortgage, Inc0.08%(3.0)1.26%
Caliber Home Loans0.09%(3.0)0.90%
Movement Mortgage0.11%(3.0)0.23%
Hunt Mortgage Corporation0.11%(3.0)0.35%
Berkshire Bank0.14%(3.0)0.40%
HomeBridge Financial Services0.16%(2.5)0.97%
Hudson River Community CU0.17%(2.5)0.72%
The Bank Of Greene County0.18%(2.5)0.73%
Guaranteed Rate0.19%(2.5)0.77%
Community Bank NA0.21%(2.5)0.40%
MLB Residential Lending0.22%(2.5)0.27%
Mr. Cooper0.31%(2.0)1.30%
Quicken Loans0.33%(2.0)8.03%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.14%(4.0)1.21%
Homeowners Advantage-0.10%(4.0)5.97%
Sunmark Credit Union-0.07%(4.0)5.42%
Premium Mortgage Corporation-0.06%(4.0)2.59%
NBT Bank-0.06%(4.0)0.91%
First New York Federal Credit Union-0.05%(4.0)0.38%
Trustco Bank-0.04%(3.5)7.35%
Navy Federal Credit Union-0.02%(3.5)0.90%
Homestead Funding Corp-0.02%(3.5)25.98%
TD Bank0.00%(3.5)0.58%
Glens Falls National Bank0.02%(3.5)2.03%
Wells Fargo Bank0.02%(3.5)1.15%
Santander Bank0.03%(3.5)1.17%
Ulster Savings Bank0.03%(3.5)0.45%
Chemung Canal Trust Company0.03%(3.5)0.21%
Home Point Financial Corporation0.04%(3.5)3.04%
M&T Bank0.04%(3.5)1.73%
Freedom Mortgage Corporation0.05%(3.5)0.21%
OwnersChoice Funding0.05%(3.0)0.24%
Berkshire Bank0.06%(3.0)0.34%
Plaza Home Mortgage0.06%(3.0)0.97%
JPMorgan Chase Bank0.06%(3.0)0.89%
1st Priority Mortgage, Inc0.08%(3.0)1.73%
Saratoga National Bank0.08%(3.0)1.26%
Caliber Home Loans0.10%(3.0)1.09%
Movement Mortgage0.10%(3.0)0.32%
Hunt Mortgage Corporation0.11%(3.0)0.50%
Carrington Mortgage Services0.11%(3.0)0.22%
HomeBridge Financial Services0.14%(3.0)1.12%
Hudson River Community CU0.17%(2.5)0.19%
Guaranteed Rate0.20%(2.5)1.02%
The Bank Of Greene County0.23%(2.5)0.38%
MLB Residential Lending0.25%(2.5)0.32%
Community Bank NA0.27%(2.0)0.38%
Mr. Cooper0.30%(2.0)0.71%
Quicken Loans0.36%(1.5)3.95%
Lender NameRate DifferenceRate RatingMarket Share
Trustco Bank-0.20%(4.5)13.50%
Homeowners Advantage-0.19%(4.5)5.09%
First New York Federal Credit Union-0.17%(4.5)0.73%
Sunmark Credit Union-0.07%(4.0)4.75%
NBT Bank-0.06%(4.0)0.59%
Chemung Canal Trust Company0.01%(3.5)0.71%
1st Priority Mortgage, Inc0.01%(3.5)0.25%
Premium Mortgage Corporation0.02%(3.5)0.73%
Navy Federal Credit Union0.02%(3.5)0.39%
OwnersChoice Funding0.03%(3.5)0.27%
Ulster Savings Bank0.03%(3.5)0.14%
Bank of America0.03%(3.5)1.05%
Carrington Mortgage Services0.03%(3.5)1.16%
Home Point Financial Corporation0.03%(3.5)0.75%
Santander Bank0.03%(3.5)0.71%
Caliber Home Loans0.04%(3.5)0.48%
M&T Bank0.04%(3.5)1.60%
Glens Falls National Bank0.04%(3.5)1.23%
Hunt Mortgage Corporation0.05%(3.5)0.05%
Saratoga National Bank0.05%(3.0)1.03%
Plaza Home Mortgage0.05%(3.0)0.43%
Guaranteed Rate0.06%(3.0)0.23%
Movement Mortgage0.06%(3.0)0.05%
Homestead Funding Corp0.07%(3.0)6.85%
JPMorgan Chase Bank0.09%(3.0)0.69%
Community Bank NA0.10%(3.0)0.43%
Freedom Mortgage Corporation0.10%(3.0)0.53%
TD Bank0.11%(3.0)1.14%
Wells Fargo Bank0.12%(3.0)1.71%
MLB Residential Lending0.12%(3.0)0.18%
The Bank Of Greene County0.17%(2.5)1.48%
Hudson River Community CU0.18%(2.5)1.87%
HomeBridge Financial Services0.24%(2.5)0.66%
Berkshire Bank0.25%(2.5)0.55%
Quicken Loans0.32%(2.0)16.85%
Mr. Cooper0.32%(2.0)2.58%
Lender NameRate DifferenceRate RatingMarket Share
Homeowners Advantage-0.12%(4.0)6.22%
Trustco Bank-0.12%(4.0)12.22%
First New York Federal Credit Union-0.11%(4.0)0.66%
Bank of America-0.10%(4.0)1.37%
NBT Bank-0.06%(4.0)0.99%
Sunmark Credit Union-0.05%(3.5)4.81%
Homestead Funding Corp0.00%(3.5)16.86%
Chemung Canal Trust Company0.01%(3.5)0.44%
Premium Mortgage Corporation0.02%(3.5)1.54%
Glens Falls National Bank0.03%(3.5)2.19%
Santander Bank0.03%(3.5)1.37%
Carrington Mortgage Services0.04%(3.5)0.09%
Ulster Savings Bank0.04%(3.5)0.41%
OwnersChoice Funding0.05%(3.5)0.34%
M&T Bank0.05%(3.0)1.88%
TD Bank0.06%(3.0)0.96%
Wells Fargo Bank0.07%(3.0)1.64%
1st Priority Mortgage, Inc0.07%(3.0)1.10%
JPMorgan Chase Bank0.07%(3.0)1.06%
Saratoga National Bank0.08%(3.0)1.26%
Plaza Home Mortgage0.09%(3.0)0.45%
Hunt Mortgage Corporation0.09%(3.0)0.25%
Home Point Financial Corporation0.09%(3.0)1.09%
Freedom Mortgage Corporation0.10%(3.0)0.17%
MLB Residential Lending0.13%(3.0)0.11%
Caliber Home Loans0.15%(3.0)0.63%
Berkshire Bank0.17%(2.5)0.38%
Hudson River Community CU0.17%(2.5)0.97%
Movement Mortgage0.18%(2.5)0.15%
The Bank Of Greene County0.19%(2.5)0.98%
Navy Federal Credit Union0.20%(2.5)0.34%
Guaranteed Rate0.21%(2.5)0.62%
Community Bank NA0.21%(2.5)0.53%
HomeBridge Financial Services0.22%(2.5)0.64%
Quicken Loans0.40%(1.5)7.47%
Mr. Cooper0.42%(1.5)0.67%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.17%(4.5)1.48%
Homeowners Advantage-0.09%(4.0)6.41%
NBT Bank-0.07%(4.0)1.24%
First New York Federal Credit Union-0.06%(4.0)0.55%
Trustco Bank-0.04%(3.5)10.42%
Sunmark Credit Union-0.04%(3.5)4.65%
Homestead Funding Corp-0.02%(3.5)22.87%
TD Bank-0.00%(3.5)0.78%
Premium Mortgage Corporation0.01%(3.5)2.05%
Glens Falls National Bank0.01%(3.5)2.68%
Wells Fargo Bank0.03%(3.5)1.47%
Santander Bank0.03%(3.5)1.70%
Carrington Mortgage Services0.03%(3.5)0.06%
Chemung Canal Trust Company0.03%(3.5)0.28%
Mr. Cooper0.03%(3.5)0.06%
Ulster Savings Bank0.04%(3.5)0.55%
OwnersChoice Funding0.05%(3.5)0.35%
M&T Bank0.05%(3.0)1.94%
Berkshire Bank0.06%(3.0)0.23%
JPMorgan Chase Bank0.06%(3.0)1.24%
1st Priority Mortgage, Inc0.07%(3.0)1.56%
Hunt Mortgage Corporation0.08%(3.0)0.38%
Freedom Mortgage Corporation0.08%(3.0)0.12%
Saratoga National Bank0.09%(3.0)1.50%
Home Point Financial Corporation0.09%(3.0)1.33%
Plaza Home Mortgage0.10%(3.0)0.43%
MLB Residential Lending0.12%(3.0)0.09%
HomeBridge Financial Services0.16%(2.5)0.72%
Hudson River Community CU0.17%(2.5)0.28%
Movement Mortgage0.17%(2.5)0.23%
Caliber Home Loans0.18%(2.5)0.73%
Navy Federal Credit Union0.22%(2.5)0.43%
Guaranteed Rate0.22%(2.5)0.86%
The Bank Of Greene County0.23%(2.5)0.55%
Community Bank NA0.26%(2.0)0.55%
Quicken Loans0.40%(1.5)3.70%
Lender NameRate DifferenceRate RatingMarket Share
Trustco Bank-0.20%(4.5)15.36%
Homeowners Advantage-0.18%(4.5)5.88%
First New York Federal Credit Union-0.16%(4.5)0.85%
NBT Bank-0.07%(4.0)0.56%
Sunmark Credit Union-0.06%(4.0)5.09%
Chemung Canal Trust Company0.01%(3.5)0.72%
1st Priority Mortgage, Inc0.02%(3.5)0.29%
Premium Mortgage Corporation0.03%(3.5)0.67%
OwnersChoice Funding0.04%(3.5)0.32%
Bank of America0.04%(3.5)1.17%
Ulster Savings Bank0.04%(3.5)0.16%
Saratoga National Bank0.04%(3.5)0.85%
Santander Bank0.04%(3.5)0.80%
Glens Falls National Bank0.05%(3.5)1.33%
M&T Bank0.05%(3.5)1.76%
Home Point Financial Corporation0.05%(3.5)0.67%
Hunt Mortgage Corporation0.05%(3.0)0.03%
Caliber Home Loans0.05%(3.0)0.45%
Carrington Mortgage Services0.05%(3.0)0.13%
Plaza Home Mortgage0.06%(3.0)0.48%
Guaranteed Rate0.07%(3.0)0.21%
Navy Federal Credit Union0.08%(3.0)0.19%
JPMorgan Chase Bank0.10%(3.0)0.75%
Homestead Funding Corp0.11%(3.0)6.39%
Community Bank NA0.11%(3.0)0.51%
Freedom Mortgage Corporation0.12%(3.0)0.24%
TD Bank0.12%(3.0)1.28%
Wells Fargo Bank0.13%(3.0)1.94%
MLB Residential Lending0.14%(3.0)0.13%
The Bank Of Greene County0.17%(2.5)1.73%
Hudson River Community CU0.19%(2.5)2.18%
Berkshire Bank0.26%(2.0)0.64%
HomeBridge Financial Services0.34%(2.0)0.51%
Quicken Loans0.41%(1.5)14.03%
Mr. Cooper0.46%(1.0)1.73%
Lender NameRate DifferenceRate RatingMarket Share
Premium Mortgage Corporation-0.17%(4.5)3.78%
Homeowners Advantage-0.13%(4.0)5.59%
Sunmark Credit Union-0.12%(4.0)7.44%
Homestead Funding Corp-0.03%(3.5)32.65%
Ulster Savings Bank-0.02%(3.5)0.15%
Home Point Financial Corporation0.01%(3.5)6.95%
M&T Bank0.01%(3.5)1.06%
Bank of America0.02%(3.5)0.04%
Navy Federal Credit Union0.02%(3.5)0.08%
NBT Bank0.03%(3.5)0.04%
Santander Bank0.03%(3.5)0.04%
Caliber Home Loans0.04%(3.5)1.55%
Movement Mortgage0.05%(3.5)0.60%
Carrington Mortgage Services0.05%(3.0)1.74%
Freedom Mortgage Corporation0.06%(3.0)0.64%
TD Bank0.06%(3.0)0.15%
Wells Fargo Bank0.06%(3.0)0.04%
Berkshire Bank0.06%(3.0)0.57%
Plaza Home Mortgage0.08%(3.0)1.36%
Glens Falls National Bank0.10%(3.0)0.19%
1st Priority Mortgage, Inc0.12%(3.0)1.89%
HomeBridge Financial Services0.15%(3.0)2.00%
Hunt Mortgage Corporation0.16%(2.5)0.68%
Quicken Loans0.19%(2.5)8.98%
Guaranteed Rate0.20%(2.5)1.21%
Mr. Cooper0.26%(2.0)3.44%
MLB Residential Lending0.27%(2.0)0.94%
Lender NameRate DifferenceRate RatingMarket Share
Premium Mortgage Corporation-0.17%(4.5)4.08%
Homeowners Advantage-0.12%(4.0)6.34%
Sunmark Credit Union-0.12%(4.0)8.04%
Homestead Funding Corp-0.02%(3.5)35.71%
Ulster Savings Bank-0.01%(3.5)0.17%
Home Point Financial Corporation0.01%(3.5)7.86%
M&T Bank0.02%(3.5)1.17%
Bank of America0.02%(3.5)0.04%
Navy Federal Credit Union0.03%(3.5)0.09%
Freedom Mortgage Corporation0.03%(3.5)0.48%
NBT Bank0.03%(3.5)0.04%
Caliber Home Loans0.04%(3.5)1.78%
Movement Mortgage0.05%(3.0)0.61%
TD Bank0.06%(3.0)0.17%
Wells Fargo Bank0.07%(3.0)0.04%
Berkshire Bank0.07%(3.0)0.65%
Plaza Home Mortgage0.09%(3.0)1.52%
Glens Falls National Bank0.11%(3.0)0.22%
1st Priority Mortgage, Inc0.12%(3.0)2.17%
Carrington Mortgage Services0.16%(2.5)0.56%
HomeBridge Financial Services0.16%(2.5)2.04%
Hunt Mortgage Corporation0.18%(2.5)0.74%
Guaranteed Rate0.21%(2.5)1.35%
MLB Residential Lending0.31%(2.0)0.96%
Quicken Loans0.35%(2.0)4.52%
Mr. Cooper0.36%(1.5)2.30%
Lender NameRate DifferenceRate RatingMarket Share
Homestead Funding Corp-0.10%(4.0)12.39%
Sunmark Credit Union-0.07%(4.0)3.46%
Premium Mortgage Corporation-0.04%(3.5)1.73%
Home Point Financial Corporation-0.04%(3.5)0.86%
Carrington Mortgage Services-0.03%(3.5)9.51%
Homeowners Advantage-0.02%(3.5)0.58%
Plaza Home Mortgage-0.02%(3.5)0.29%
M&T Bank-0.02%(3.5)0.29%
Santander Bank-0.01%(3.5)0.29%
Hunt Mortgage Corporation-0.00%(3.5)0.29%
Movement Mortgage0.00%(3.5)0.58%
Guaranteed Rate0.01%(3.5)0.29%
HomeBridge Financial Services0.02%(3.5)1.73%
Quicken Loans0.03%(3.5)38.62%
MLB Residential Lending0.04%(3.5)0.86%
Freedom Mortgage Corporation0.07%(3.0)1.73%
Mr. Cooper0.09%(3.0)10.95%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.05%(4.0)5.49%
Bank of America-0.05%(3.5)10.44%
TD Bank-0.00%(3.5)1.10%
M&T Bank0.00%(3.5)3.85%
Berkshire Bank0.00%(3.5)0.55%
JPMorgan Chase Bank0.00%(3.5)1.65%
Homestead Funding Corp0.01%(3.5)0.55%
1st Priority Mortgage, Inc0.01%(3.5)0.55%
NBT Bank0.01%(3.5)4.95%
Premium Mortgage Corporation0.02%(3.5)0.55%
Ulster Savings Bank0.02%(3.5)1.10%
Trustco Bank0.02%(3.5)15.93%
Chemung Canal Trust Company0.02%(3.5)3.30%
Sunmark Credit Union0.03%(3.5)0.55%
HomeBridge Financial Services0.03%(3.5)0.55%
Plaza Home Mortgage0.04%(3.5)0.55%
Navy Federal Credit Union0.04%(3.5)1.10%
Glens Falls National Bank0.05%(3.5)7.69%
Saratoga National Bank0.05%(3.5)18.68%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.06%(4.0)8.18%
Bank of America-0.05%(4.0)15.45%
M&T Bank0.00%(3.5)4.55%
Berkshire Bank0.00%(3.5)0.91%
JPMorgan Chase Bank0.00%(3.5)0.91%
Homestead Funding Corp0.00%(3.5)0.91%
1st Priority Mortgage, Inc0.01%(3.5)0.91%
Premium Mortgage Corporation0.01%(3.5)0.91%
Ulster Savings Bank0.02%(3.5)1.82%
NBT Bank0.02%(3.5)3.64%
HomeBridge Financial Services0.02%(3.5)0.91%
Chemung Canal Trust Company0.03%(3.5)1.82%
Plaza Home Mortgage0.03%(3.5)0.91%
Navy Federal Credit Union0.04%(3.5)1.82%
Saratoga National Bank0.04%(3.5)19.09%
Glens Falls National Bank0.04%(3.5)9.09%
Trustco Bank0.05%(3.0)13.64%
Lender NameRate DifferenceRate RatingMarket Share
Trustco Bank-0.02%(3.5)19.44%
TD Bank-0.00%(3.5)2.78%
M&T Bank0.00%(3.5)2.78%
Wells Fargo Bank0.01%(3.5)1.39%
JPMorgan Chase Bank0.01%(3.5)2.78%
NBT Bank0.01%(3.5)6.94%
Bank of America0.01%(3.5)2.78%
Chemung Canal Trust Company0.02%(3.5)5.56%
Sunmark Credit Union0.03%(3.5)1.39%
Glens Falls National Bank0.05%(3.5)5.56%
Saratoga National Bank0.06%(3.0)18.06%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)8.71%
Plaza Home Mortgage-0.04%(3.5)3.87%
Sunmark Credit Union-0.04%(3.5)3.87%
Premium Mortgage Corporation-0.04%(3.5)2.35%
Caliber Home Loans-0.03%(3.5)2.49%
Wells Fargo Bank-0.02%(3.5)0.55%
HomeBridge Financial Services-0.01%(3.5)2.07%
Berkshire Bank-0.01%(3.5)0.14%
M&T Bank-0.01%(3.5)0.83%
Homestead Funding Corp-0.01%(3.5)21.99%
Movement Mortgage-0.01%(3.5)0.14%
Ulster Savings Bank-0.00%(3.5)0.14%
1st Priority Mortgage, Inc0.01%(3.5)1.52%
Hunt Mortgage Corporation0.01%(3.5)0.69%
Guaranteed Rate0.02%(3.5)1.52%
Carrington Mortgage Services0.02%(3.5)2.35%
Freedom Mortgage Corporation0.02%(3.5)1.24%
Glens Falls National Bank0.03%(3.5)0.28%
JPMorgan Chase Bank0.03%(3.5)0.28%
Home Point Financial Corporation0.05%(3.0)3.46%
MLB Residential Lending0.05%(3.0)0.28%
Mr. Cooper0.09%(3.0)2.77%
Quicken Loans0.11%(3.0)14.52%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.17%(4.5)10.21%
Sunmark Credit Union-0.04%(3.5)4.62%
Plaza Home Mortgage-0.03%(3.5)5.39%
Premium Mortgage Corporation-0.03%(3.5)3.08%
Wells Fargo Bank-0.02%(3.5)0.58%
Caliber Home Loans-0.01%(3.5)2.70%
Homestead Funding Corp-0.00%(3.5)27.36%
HomeBridge Financial Services-0.00%(3.5)2.12%
M&T Bank-0.00%(3.5)0.96%
Berkshire Bank-0.00%(3.5)0.19%
Freedom Mortgage Corporation0.00%(3.5)0.19%
Movement Mortgage0.00%(3.5)0.19%
Ulster Savings Bank0.01%(3.5)0.19%
1st Priority Mortgage, Inc0.02%(3.5)2.12%
Hunt Mortgage Corporation0.02%(3.5)0.96%
Guaranteed Rate0.03%(3.5)1.93%
Glens Falls National Bank0.04%(3.5)0.39%
JPMorgan Chase Bank0.04%(3.5)0.39%
MLB Residential Lending0.07%(3.0)0.39%
Carrington Mortgage Services0.07%(3.0)0.77%
Home Point Financial Corporation0.08%(3.0)3.85%
Mr. Cooper0.09%(3.0)1.93%
Quicken Loans0.14%(3.0)5.39%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.08%(4.0)4.90%
Caliber Home Loans-0.06%(4.0)1.96%
Home Point Financial Corporation-0.06%(4.0)2.45%
HomeBridge Financial Services-0.04%(3.5)1.96%
M&T Bank-0.03%(3.5)0.49%
Premium Mortgage Corporation-0.03%(3.5)0.49%
Guaranteed Rate-0.02%(3.5)0.49%
Carrington Mortgage Services-0.01%(3.5)6.37%
Wells Fargo Bank-0.01%(3.5)0.49%
Sunmark Credit Union-0.01%(3.5)1.96%
Homestead Funding Corp-0.01%(3.5)8.33%
Freedom Mortgage Corporation0.00%(3.5)3.92%
Quicken Loans0.07%(3.0)37.75%
Mr. Cooper0.08%(3.0)4.90%

* Data is compiled for the Albany, NY commuting zone area, which comprises of counties of Albany County, NY, Columbia County, NY, Greene County, NY, Rensselaer County, NY, Saratoga County, NY, Schenectady County, NY, Schoharie County, NY, Warren County, NY, and Washington County, NY. This includes cities/towns/communities of Albany, NY as well as Schenectady, NY, Troy, NY, Saratoga Springs, NY, Rotterdam, NY, Glens Falls, NY, Milton, NY, Westmere, NY, Round Lake, NY, Cohoes, NY, Stillwater, NY, Menands, NY, Wynantskill, NY, Colonie, NY, Hampton Manor, NY, Chatham, NY, East Greenbush, NY, Scotia, NY, Mariaville Lake, NY, West Sand Lake, NY, Glens Falls North, NY, Niskayuna, NY, West Glens Falls, NY, Watervliet, NY, Country Knolls, NY, Rensselaer, NY, Schuylerville, NY, Philmont, NY, East Glenville, NY, Ravena, NY, Valatie, NY, Greenwich, NY, Ballston Spa, NY, Windham, NY, Athens, NY, Valley Falls, NY, Copake Lake, NY, Lake George, NY, Fort Edward, NY, Hudson Falls, NY, Cairo, NY, Coxsackie, NY, Poestenkill, NY, Granville, NY, Schaghticoke, NY, Cobleskill, NY, Hudson, NY, Cambridge, NY, Schoharie, NY, Tannersville, NY, and Galway, NY. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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