Mortgage lending in Albany-Schenectady-Troy, NY
17,403 mortgages were originated in the Albany-Schenectady-Troy, NY area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 17,403
- Median rate
- 6.490%
- Median lender fees
- $4,860
- Median loan amount
- $205,000
- Median spread over APOR
- 0.103
- Paid discount points
- 24%
- Received lender credits
- 16.6%
- Purchases / refinances
- 49.2% / 21.6%
- Conventional / FHA / VA
- 90.1% / 6.7% / 3.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 54.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Albany-Schenectady-Troy, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Broadview Federal Credit Union | 3,221 | — | 6.250% |
| SEFCU SERVICES, LLC | 1,616 | $4,109 | 6.000% |
| HOMESTEAD FUNDING CORP. | 1,541 | $4,747 | 6.490% |
| TrustCo Bank | 1,228 | $2,971 | 5.875% |
| Rocket Mortgage, LLC | 847 | $5,748 | 6.875% |
| SUNMARK CREDIT UNION | 740 | $3,789 | 6.590% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 684 | $9,100 | 6.462% |
| Citizens Bank, National Association | 563 | $6,605 | 8.400% |
| FIRST NEW YORK | 437 | $4,938 | 6.240% |
| Glens Falls National Bank and Trust Company | 381 | $4,725 | 6.125% |