ALBANY - SCHENECTADY - TROY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Albany - Schenectady - Troy averaged
6.23%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.34% and
one month ago for the week of 2025-02-27, the
average rate was 6.55%.
Albany - Schenectady - Troy's average rate one year ago was 6.58%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.98%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Albany - Schenectady - Troy 30 Year Fixed Rate | 2025-04-03 | 6.23% |
| Albany - Schenectady - Troy 30 Year Fixed Rate Refi | 2025-04-03 | 6.98% |
| Albany - Schenectady - Troy 15 Year Fixed Rate | 2025-04-03 | 6.13% |
| Albany - Schenectady - Troy 15 Year Fixed Rate Refi | 2025-04-03 | 6.42% |
| Albany - Schenectady - Troy 30 Year FHA | 2025-04-03 | 6.21% |
| Albany - Schenectady - Troy 30 Year FHA Refi | 2025-04-03 | 6.26% |
| Albany - Schenectady - Troy 30 Year USDA | 2025-04-03 | 6.32% |
| Albany - Schenectady - Troy 30 Year USDA Refi | 2025-04-03 | 6.22% |
| Albany - Schenectady - Troy 30 Year VA | 2025-04-03 | 5.94% |
| Albany - Schenectady - Troy 30 Year VA Refi | 2025-04-03 | 6.06% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ALBANY-SCHENECTADY-TROY, NY.
ALBANY - SCHENECTADY - TROY Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ALBANY-SCHENECTADY-TROY, NY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
ALBANY - SCHENECTADY - TROY Average Closing Costs & Other Stats
ALBANY-SCHENECTADY-TROY, NY's 160 lenders originated 15,759
loans during 2024. The total origination value was $3,764,165,000, with an average loan value of
$238,858.
ALBANY - SCHENECTADY - TROY's average closing costs are $5,042.
The top ALBANY - SCHENECTADY - TROY lender as defined by loan originations is SEFCU SERVICES, LLC, with
1,649 loans originated. Their average total fees are
$4,450, which is $98
lower than the next largest lender,
HOMESTEAD FUNDING CORP..
The lowest fee ALBANY - SCHENECTADY - TROY lenders (with over 10 loans originated) are
Bank of Richmondville ($1,774), Community Bank ($2,234), TrustCo Bank ($3,706), Glens Falls National Bank and Trust Company ($3,806) and FIRST NEW YORK ($4,162).
The lowest rate ALBANY - SCHENECTADY - TROY lenders (with over 10 loans originated) are
FIRST NEW YORK (5.49%), SEFCU SERVICES, LLC (6.08%), NBT Bank (6.19%), Berkshire Bank (6.20%) and NAVY FEDERAL CREDIT UNION (6.29%).
ALBANY-SCHENECTADY-TROY, NY Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| SEFCU SERVICES, LLC | $658,375,000 | $597,235,000 | -9.3% | 15.9% |
| HOMESTEAD FUNDING CORP. | $341,240,000 | $412,440,000 | 20.9% | 11.0% |
| STATE EMPLOYEES FEDERAL CREDIT UNION | $267,685,000 | $237,130,000 | -11.4% | 6.3% |
| TrustCo Bank | $182,045,000 | $182,005,000 | 0.0% | 4.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $167,340,000 | $179,545,000 | 7.3% | 4.8% |
| Saratoga National Bank and Trust Company | $116,350,000 | $143,185,000 | 23.1% | 3.8% |
| QUICKEN LOANS, LLC | $104,995,000 | $131,485,000 | 25.2% | 3.5% |
| SUNMARK FEDERAL CREDIT UNION | $121,715,000 | $108,980,000 | -10.5% | 2.9% |
| NBT Bank | $42,890,000 | $98,330,000 | 129.3% | 2.6% |
| Premium Mortgage Corporation | $58,720,000 | $69,810,000 | 18.9% | 1.9% |
| FIRST NEW YORK | $51,875,000 | $69,360,000 | 33.7% | 1.8% |
| Citizens Bank | $61,590,000 | $66,030,000 | 7.2% | 1.8% |
| The Adirondack Trust Company | $32,835,000 | $62,790,000 | 91.2% | 1.7% |
| KeyBank | $63,895,000 | $60,735,000 | -4.9% | 1.6% |
| Ballston Spa National Bank | $68,040,000 | $57,125,000 | -16.0% | 1.5% |
| Pioneer Bank | $43,805,000 | $55,190,000 | 26.0% | 1.5% |
| Berkshire Bank | $32,195,000 | $52,815,000 | 64.0% | 1.4% |
| Chemung Canal Trust Company | $77,485,000 | $50,685,000 | -34.6% | 1.3% |
| Community Bank | $37,480,000 | $47,410,000 | 26.5% | 1.3% |
| M&T Bank | $43,880,000 | $46,265,000 | 5.4% | 1.2% |
| Bank of America | $34,550,000 | $37,675,000 | 9.0% | 1.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $37,785,000 | $36,835,000 | -2.5% | 1.0% |
| MOVEMENT MORTGAGE, LLC | $28,115,000 | $34,640,000 | 23.2% | 0.9% |
| NEWREZ LLC | $27,915,000 | $32,540,000 | 16.6% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $25,785,000 | $30,120,000 | 16.8% | 0.8% |
| GREYSTONE SERVICING COMPANY LLC | $28,585,000 | $27,340,000 | -4.4% | 0.7% |
| PLAZA HOME MORTGAGE, INC. | $28,255,000 | $26,715,000 | -5.5% | 0.7% |
| WALKER & DUNLOP, LLC | $26,110,000 | n/a | 0.7% | |
| ORIX REAL ESTATE CAPITAL, LLC | $1,985,000 | $25,795,000 | 1,199.5% | 0.7% |
| First National Bank of Scotia | $24,500,000 | $25,605,000 | 4.5% | 0.7% |
| TD Bank | $16,610,000 | $24,410,000 | 47.0% | 0.6% |
| JPMorgan Chase Bank | $24,375,000 | $23,080,000 | -5.3% | 0.6% |
| Mortgage Research Center, LLC | $19,205,000 | $21,285,000 | 10.8% | 0.6% |
| The Lincoln National Life Insurance Company | $20,655,000 | n/a | 0.5% | |
| GUARANTEED RATE, INC. | $23,100,000 | $18,680,000 | -19.1% | 0.5% |
| US MORTGAGE CORPORATION | $7,395,000 | $17,210,000 | 132.7% | 0.5% |
| Webster Bank | $28,620,000 | $17,060,000 | -40.4% | 0.5% |
| Barings Multifamily Capital | $15,895,000 | $15,930,000 | 0.2% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $9,945,000 | $15,540,000 | 56.3% | 0.4% |
| Glens Falls National Bank and Trust Company | $20,400,000 | $14,680,000 | -28.0% | 0.4% |
| Rhinebeck Bank | $14,555,000 | n/a | 0.4% | |
| The Bank of Greene County | $12,045,000 | $13,995,000 | 16.2% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $2,800,000 | $13,550,000 | 383.9% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $12,310,000 | $13,165,000 | 6.9% | 0.3% |
| 1ST PRIORITY MORTGAGE, INC. | $14,805,000 | $12,705,000 | -14.2% | 0.3% |
| LOANDEPOT.COM, LLC | $7,900,000 | $12,590,000 | 59.4% | 0.3% |
| Evolve Bank & Trust | $17,800,000 | $12,550,000 | -29.5% | 0.3% |
| U.S. Bank | $5,820,000 | $12,345,000 | 112.1% | 0.3% |
| EMM LOANS LLC | $9,430,000 | $11,580,000 | 22.8% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $13,125,000 | $9,570,000 | -27.1% | 0.3% |
| Morgan Stanley Private Bank | $6,495,000 | $9,075,000 | 39.7% | 0.2% |
| PLANET HOME LENDING, LLC | $1,830,000 | $9,015,000 | 392.6% | 0.2% |
| AMERICU Credit Union | $1,775,000 | $8,855,000 | 398.9% | 0.2% |
| A&D Mortgage LLC | $6,860,000 | $8,485,000 | 23.7% | 0.2% |
| Farm Credit East, ACA | $6,100,000 | $8,330,000 | 36.6% | 0.2% |
| Citibank | $4,510,000 | $8,100,000 | 79.6% | 0.2% |
| General Mortgage Capital Corporation | $7,815,000 | n/a | 0.2% | |
| HUDSON VALLEY CREDIT UNION | $7,675,000 | $7,780,000 | 1.4% | 0.2% |
| Discover Bank | $4,830,000 | $7,670,000 | 58.8% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $3,315,000 | $7,650,000 | 130.8% | 0.2% |
| Wells Fargo Bank | $14,275,000 | $7,465,000 | -47.7% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $5,480,000 | $7,315,000 | 33.5% | 0.2% |
| USAA Federal Savings Bank | $7,495,000 | $7,285,000 | -2.8% | 0.2% |
| HUNT MORTGAGE CORPORATION | $11,000,000 | $6,760,000 | -38.5% | 0.2% |
| Hometown Equity Mortgage, LLC | $2,965,000 | $6,400,000 | 115.9% | 0.2% |
| Carrington Mortgage Services, LLC | $2,710,000 | $6,085,000 | 124.5% | 0.2% |
| The Federal Savings Bank | $1,865,000 | $5,590,000 | 199.7% | 0.1% |
| Bank of Richmondville | $5,360,000 | $5,570,000 | 3.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $3,745,000 | $5,550,000 | 48.2% | 0.1% |
| Metro City Bank | $2,550,000 | $5,230,000 | 105.1% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $2,260,000 | $5,205,000 | 130.3% | 0.1% |
| LENDINGONE, LLC | $1,255,000 | $5,155,000 | 310.8% | 0.1% |
| PNC Bank | $2,045,000 | $4,575,000 | 123.7% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $5,865,000 | $4,560,000 | -22.3% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $4,875,000 | $4,490,000 | -7.9% | 0.1% |
| The National Bank of Coxsackie | $23,965,000 | $4,420,000 | -81.6% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $605,000 | $4,215,000 | 596.7% | 0.1% |
| HUDSON RIVER COMMUNITY | $5,570,000 | $4,090,000 | -26.6% | 0.1% |
| Logan Finance Corporation | $2,095,000 | $3,955,000 | 88.8% | 0.1% |
| TCT | $2,100,000 | $3,885,000 | 85.0% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,365,000 | $3,870,000 | 183.5% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $4,935,000 | $3,840,000 | -22.2% | 0.1% |
| LIMA ONE CAPITAL, LLC | $2,475,000 | $3,635,000 | 46.9% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $2,745,000 | $3,590,000 | 30.8% | 0.1% |
| Flagstar Bank, FSB | $29,390,000 | $3,550,000 | -87.9% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,405,000 | $3,540,000 | 47.2% | 0.1% |
| AMWEST FUNDING CORP. | $5,540,000 | $3,425,000 | -38.2% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,460,000 | $3,380,000 | 37.4% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $2,610,000 | $3,015,000 | 15.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $3,160,000 | $3,000,000 | -5.1% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,375,000 | $2,925,000 | 23.2% | 0.1% |
| CMG MORTGAGE, INC. | $2,955,000 | $2,860,000 | -3.2% | 0.1% |
| MID-ISLAND MORTGAGE CORP. | $485,000 | $2,720,000 | 460.8% | 0.1% |
| School Systems FCU | $4,690,000 | $2,540,000 | -45.8% | 0.1% |
| UIF CORPORATION | $3,335,000 | $2,445,000 | -26.7% | 0.1% |
| NP, Inc. | $2,570,000 | $2,425,000 | -5.6% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $2,040,000 | $2,415,000 | 18.4% | 0.1% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | $2,685,000 | $2,365,000 | -11.9% | 0.1% |
| UNITED MORTGAGE CORP | $2,360,000 | n/a | 0.1% | |
| CLIFFCO, INC. | $1,885,000 | $2,280,000 | 21.0% | 0.1% |
| Bethpage Federal Credit Union | $1,705,000 | $2,200,000 | 29.0% | 0.1% |
| NBKC BANK | $2,680,000 | $2,170,000 | -19.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,740,000 | $2,150,000 | -21.5% | 0.1% |
| CONSTRUCTIVE LOANS, LLC | $115,000 | $2,070,000 | 1,700.0% | 0.1% |
| East Coast Capital Corp. | $1,600,000 | $2,060,000 | 28.8% | 0.1% |
| Plains Commerce Bank | $2,950,000 | $2,020,000 | -31.5% | 0.1% |
| SILVER HILL FUNDING, LLC | $195,000 | $1,940,000 | 894.9% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $190,000 | $1,900,000 | 900.0% | 0.1% |
| Equity Prime Mortgage LLC | $810,000 | $1,875,000 | 131.5% | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $1,990,000 | $1,835,000 | -7.8% | 0.0% |
| GREYLOCK | $1,210,000 | $1,810,000 | 49.6% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $1,520,000 | $1,655,000 | 8.9% | 0.0% |
| Bank of England | $600,000 | $1,630,000 | 171.7% | 0.0% |
| Ulster Savings Bank | $2,385,000 | $1,630,000 | -31.7% | 0.0% |
| Wayne Bank | $560,000 | $1,585,000 | 183.0% | 0.0% |
| Citadel Servicing Corporation | $455,000 | $1,565,000 | 244.0% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $280,000 | $1,550,000 | 453.6% | 0.0% |
| CARDINAL FINANCIAL | $2,835,000 | $1,550,000 | -45.3% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $3,475,000 | $1,385,000 | -60.1% | 0.0% |
| Valley National Bank | $935,000 | $1,345,000 | 43.9% | 0.0% |
| Empower Federal Credit Union | $745,000 | $1,335,000 | 79.2% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,085,000 | $1,285,000 | 18.4% | 0.0% |
| Quontic Bank | $1,295,000 | $1,255,000 | -3.1% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $1,235,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $660,000 | $1,200,000 | 81.8% | 0.0% |
| PHH Mortgage Corporation | $3,330,000 | $1,170,000 | -64.9% | 0.0% |
| Municipal Credit Union | $805,000 | $1,080,000 | 34.2% | 0.0% |
| Tompkins Trust Company | $315,000 | $1,040,000 | 230.2% | 0.0% |
| HARTFORD FUNDING, LTD. | $935,000 | $1,030,000 | 10.2% | 0.0% |
| AMERICAN FINANCING CORPORATION | $2,100,000 | $1,020,000 | -51.4% | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $1,320,000 | $1,000,000 | -24.2% | 0.0% |
| Ixonia Bank | $975,000 | n/a | 0.0% | |
| Cathay Bank | $230,000 | $940,000 | 308.7% | 0.0% |
| Raymond James Bank | $435,000 | $905,000 | 108.0% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $625,000 | $895,000 | 43.2% | 0.0% |
| Charles Schwab Bank, SSB | $890,000 | n/a | 0.0% | |
| MID-HUDSON VALLEY | $1,120,000 | $870,000 | -22.3% | 0.0% |
| BROKER SOLUTIONS, INC. | $860,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $255,000 | $860,000 | 237.3% | 0.0% |
| EMBRACE HOME LOANS, INC. | $1,680,000 | $855,000 | -49.1% | 0.0% |
| MLD MORTGAGE INC. | $845,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $825,000 | $820,000 | -0.6% | 0.0% |
| Veritex Community Bank | $805,000 | n/a | 0.0% | |
| Fifth Third Bank | $355,000 | $800,000 | 125.4% | 0.0% |
| The Lyons National Bank | $690,000 | $800,000 | 15.9% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $785,000 | n/a | 0.0% | |
| HUDSON HERITAGE | $205,000 | $765,000 | 273.2% | 0.0% |
| GREENWOOD | $670,000 | $735,000 | 9.7% | 0.0% |
| Stifel Bank and Trust | $365,000 | $720,000 | 97.3% | 0.0% |
| First National Bank of America | $155,000 | $710,000 | 358.1% | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | $710,000 | n/a | 0.0% | |
| TEACHERS | $570,000 | $710,000 | 24.6% | 0.0% |
| JET DIRECT FUNDING CORP | $95,000 | $685,000 | 621.1% | 0.0% |
| FIRST SOURCE | $55,000 | $660,000 | 1,100.0% | 0.0% |
| Adams Community Bank | $630,000 | $655,000 | 4.0% | 0.0% |
| Orange Bank &Trust Company | $655,000 | n/a | 0.0% | |
| UBS Bank USA | $945,000 | $650,000 | -31.2% | 0.0% |
| Heritage Bank | $645,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $195,000 | $640,000 | 228.2% | 0.0% |
| Bank of Hope | $640,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $630,000 | $620,000 | -1.6% | 0.0% |
| The People's Credit Union | $195,000 | $615,000 | 215.4% | 0.0% |
| FM Home Loans, LLC | $870,000 | $605,000 | -30.5% | 0.0% |
| ANECA Federal Credit Union | $595,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $265,000 | $595,000 | 124.5% | 0.0% |
| Ally Bank | $1,730,000 | $580,000 | -66.5% | 0.0% |
| BNY Mellon | $575,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $2,350,000 | $570,000 | -75.7% | 0.0% |
| ARC HOME LLC | $1,845,000 | $545,000 | -70.5% | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | $610,000 | $545,000 | -10.7% | 0.0% |
| Nassau Educators Federal Credit Union | $320,000 | $540,000 | 68.8% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $155,000 | $510,000 | 229.0% | 0.0% |
| Magnolia Bank | $755,000 | $510,000 | -32.5% | 0.0% |
| Northpointe Bank | $420,000 | $510,000 | 21.4% | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | $505,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $2,060,000 | $490,000 | -76.2% | 0.0% |
| Willamette Valley Bank | $225,000 | $485,000 | 115.6% | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $380,000 | $460,000 | 21.1% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $360,000 | $460,000 | 27.8% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $85,000 | $455,000 | 435.3% | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | $450,000 | n/a | 0.0% | |
| HOME TOWN FUNDING, INC. | $205,000 | $440,000 | 114.6% | 0.0% |
| JERSEY MORTGAGE COMPANY OF NEW JERSEY, INC. | $425,000 | n/a | 0.0% | |
| BMO Harris Bank | $415,000 | n/a | 0.0% | |
| Brighton Bank | $415,000 | n/a | 0.0% | |
| Nations Lending Corporation | $410,000 | n/a | 0.0% | |
| Genesee Regional Bank | $295,000 | $380,000 | 28.8% | 0.0% |
| Leader Bank | $245,000 | $380,000 | 55.1% | 0.0% |
| Luxury Mortgage Corp. | $165,000 | $380,000 | 130.3% | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | $375,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $780,000 | $375,000 | -51.9% | 0.0% |
| Chicago Patrolmen's Federal Credit Union | $365,000 | n/a | 0.0% | |
| Popular Bank | $365,000 | n/a | 0.0% | |
| PATRIOT ONE MORTGAGE BANKERS, LLC | $285,000 | $360,000 | 26.3% | 0.0% |
| Armed Forces Bank | $525,000 | $355,000 | -32.4% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $355,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $345,000 | n/a | 0.0% | |
| United Nations Federal Credit Union | $335,000 | n/a | 0.0% | |
| Secured Investment Corp. | $320,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $310,000 | n/a | 0.0% | |
| Amalgamated Bank | $305,000 | n/a | 0.0% | |
| Commerce Bank | $295,000 | n/a | 0.0% | |
| First Central Savings Bank | $460,000 | $285,000 | -38.0% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $275,000 | n/a | 0.0% | |
| Rondout Savings Bank | $670,000 | $275,000 | -59.0% | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | $175,000 | $275,000 | 57.1% | 0.0% |
| Centier Bank | $805,000 | $270,000 | -66.5% | 0.0% |
| First National Bank of Pennsylvania | $265,000 | n/a | 0.0% | |
| Ukrainian Federal Credit Union | $265,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $135,000 | $255,000 | 88.9% | 0.0% |
| Deere Employees Credit Union | $255,000 | n/a | 0.0% | |
| WALL STREET MORTGAGE BANKERS, LTD. | $820,000 | $255,000 | -68.9% | 0.0% |
| State Department Federal Credit Union | $275,000 | $245,000 | -10.9% | 0.0% |
| Walden Savings Bank | $245,000 | n/a | 0.0% | |
| Access Bank | $225,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $225,000 | n/a | 0.0% | |
| PROPONENT Federal Credit Union | $225,000 | n/a | 0.0% | |
| Shinhan Bank America | $225,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $520,000 | $215,000 | -58.7% | 0.0% |
| Truist | $215,000 | $215,000 | 0.0% | 0.0% |
| Baxter Credit Union | $120,000 | $190,000 | 58.3% | 0.0% |
| Community First National Bank | $385,000 | $175,000 | -54.5% | 0.0% |
| CORNING | $195,000 | $170,000 | -12.8% | 0.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | $165,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | $145,000 | 480.0% | 0.0% |
| Royal Business Bank | $135,000 | n/a | 0.0% | |
| Allied First Bank,sb | $125,000 | n/a | 0.0% | |
| Axos Bank | $125,000 | n/a | 0.0% | |
| City National Bank of Florida | $125,000 | n/a | 0.0% | |
| Gold Coast Bank | $125,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $85,000 | $115,000 | 35.3% | 0.0% |
| TRADEMARK | $110,000 | n/a | 0.0% | |
| Bank of Whittier | $105,000 | n/a | 0.0% | |
| MidFirst Bank | $90,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $75,000 | n/a | 0.0% | |
| NORTHERN CREDIT UNION | $300,000 | $65,000 | -78.3% | 0.0% |
| AFFINITY | $35,000 | $45,000 | 28.6% | 0.0% |
| Figure Lending LLC | $35,000 | n/a | 0.0% |
ALBANY - SCHENECTADY - TROY's top lender by overall market share is SEFCU SERVICES, LLC, with 15.9% market share. In second place, with 11.0%, is HOMESTEAD FUNDING CORP., having originated $412,440,000 in loans. In third place, with 6.3%, is STATE EMPLOYEES FEDERAL CREDIT UNION, having originated $237,130,000 in loans. In fourth place, with 4.8%, is TrustCo Bank, having originated $182,005,000 in loans. In fifth place, with 4.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $179,545,000 in loans.
ALBANY - SCHENECTADY - TROY Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - ALBANY - SCHENECTADY - TROY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $277,450 (14.5%) | $331,489 (8.3%) | 1.03 | 3,263 |
| 2018-02-01 | $284,900 (14.0%) | $334,659 (7.8%) | 1.03 | 3,167 |
| 2018-03-01 | $289,900 (11.7%) | $336,724 (6.6%) | 1.02 | 3,127 |
| 2018-04-01 | $297,900 (12.4%) | $339,764 (6.1%) | 1.01 | 3,182 |
| 2018-05-01 | $296,725 (10.0%) | $336,798 (4.6%) | 0.99 | 3,485 |
| 2018-06-01 | $294,900 (9.3%) | $339,301 (5.1%) | 0.98 | 3,870 |
| 2018-07-01 | $292,206 (8.3%) | $339,749 (5.6%) | 0.98 | 4,063 |
| 2018-08-01 | $288,705 (7.7%) | $336,295 (5.5%) | 0.97 | 4,114 |
| 2018-09-01 | $289,750 (7.7%) | $336,688 (5.0%) | 0.97 | 4,210 |
| 2018-10-01 | $289,900 (8.4%) | $337,299 (5.3%) | 0.98 | 4,244 |
| 2018-11-01 | $292,450 (10.2%) | $340,327 (6.4%) | 0.99 | 4,173 |
| 2018-12-01 | $292,900 (8.5%) | $338,418 (3.8%) | 1.01 | 3,824 |
| 2019-01-01 | $299,650 (8.0%) | $343,820 (3.7%) | 1.04 | 3,461 |
| 2019-02-01 | $306,400 (7.6%) | $352,169 (5.2%) | 1.04 | 3,360 |
| 2019-03-01 | $309,406 (6.7%) | $354,857 (5.4%) | 1.01 | 3,354 |
| 2019-04-01 | $309,856 (4.0%) | $356,110 (4.8%) | 0.98 | 3,409 |
| 2019-05-01 | $299,900 (1.1%) | $351,092 (4.2%) | 0.94 | 3,533 |
| 2019-06-01 | $299,400 (1.5%) | $350,236 (3.2%) | 0.94 | 3,692 |
| 2019-07-01 | $299,450 (2.5%) | $346,566 (2.0%) | 0.94 | 3,720 |
| 2019-08-01 | $293,609 (1.7%) | $341,328 (1.5%) | 0.93 | 3,837 |
| 2019-09-01 | $291,523 (0.6%) | $340,530 (1.1%) | 0.93 | 3,896 |
| 2019-10-01 | $289,900 (0.0%) | $340,582 (1.0%) | 0.94 | 3,912 |
| 2019-11-01 | $289,900 (-0.9%) | $338,246 (-0.6%) | 0.95 | 3,508 |
| 2019-12-01 | $294,300 (0.5%) | $340,145 (0.5%) | 0.98 | 3,155 |
| 2020-01-01 | $295,825 (-1.3%) | $339,821 (-1.2%) | 0.99 | 2,852 |
| 2020-02-01 | $304,900 (-0.5%) | $344,144 (-2.3%) | 1.00 | 2,702 |
| 2020-03-01 | $312,500 (1.0%) | $347,723 (-2.0%) | 0.98 | 2,667 |
| 2020-04-01 | $317,000 (2.3%) | $353,767 (-0.7%) | 0.99 | 2,493 |
| 2020-05-01 | $321,400 (7.2%) | $359,272 (2.3%) | 0.98 | 2,451 |
| 2020-06-01 | $338,975 (13.2%) | $372,764 (6.4%) | 1.00 | 2,424 |
| 2020-07-01 | $342,550 (14.4%) | $378,422 (9.2%) | 0.99 | 2,313 |
| 2020-08-01 | $339,900 (15.8%) | $391,399 (14.7%) | 0.97 | 2,240 |
| 2020-09-01 | $335,000 (14.9%) | $393,352 (15.5%) | 0.96 | 2,246 |
| 2020-10-01 | $335,000 (15.6%) | $395,785 (16.2%) | 0.96 | 2,227 |
| 2020-11-01 | $336,650 (16.1%) | $397,743 (17.6%) | 0.98 | 2,143 |
| 2020-12-01 | $338,950 (15.2%) | $399,632 (17.5%) | 1.01 | 1,939 |
| 2021-01-01 | $344,900 (16.6%) | $412,175 (21.3%) | 1.03 | 1,673 |
| 2021-02-01 | $366,900 (20.3%) | $434,572 (26.3%) | 1.07 | 1,409 |
| 2021-03-01 | $368,200 (17.8%) | $458,072 (31.7%) | 1.04 | 1,330 |
| 2021-04-01 | $368,700 (16.3%) | $459,619 (29.9%) | 1.00 | 1,317 |
| 2021-05-01 | $364,925 (13.5%) | $456,778 (27.1%) | 0.97 | 1,346 |
| 2021-06-01 | $349,900 (3.2%) | $450,263 (20.8%) | 0.92 | 1,498 |
| 2021-07-01 | $349,900 (2.2%) | $447,740 (18.3%) | 0.92 | 1,637 |
| 2021-08-01 | $344,375 (1.3%) | $443,009 (13.2%) | 0.92 | 1,732 |
| 2021-09-01 | $334,175 (-0.3%) | $439,484 (11.7%) | 0.89 | 1,697 |
| 2021-10-01 | $325,000 (-3.0%) | $433,934 (9.6%) | 0.87 | 1,622 |
| 2021-11-01 | $324,925 (-3.5%) | $430,987 (8.4%) | 0.87 | 1,509 |
| 2021-12-01 | $344,200 (1.6%) | $443,656 (11.0%) | 0.93 | 1,359 |
| 2022-01-01 | $349,900 (1.5%) | $453,937 (10.1%) | 0.95 | 1,132 |
| 2022-02-01 | $367,750 (0.2%) | $483,627 (11.3%) | 0.96 | 930 |
| 2022-03-01 | $369,900 (0.5%) | $490,904 (7.2%) | 0.93 | 890 |
| 2022-04-01 | $369,900 (0.3%) | $483,436 (5.2%) | 0.88 | 926 |
| 2022-05-01 | $369,900 (1.4%) | $466,422 (2.1%) | 0.85 | 1,104 |
| 2022-06-01 | $369,900 (5.7%) | $468,867 (4.1%) | 0.82 | 1,283 |
| 2022-07-01 | $350,000 (0.0%) | $431,852 (-3.6%) | 0.79 | 1,470 |
| 2022-08-01 | $351,950 (2.2%) | $431,024 (-2.7%) | 0.81 | 1,478 |
| 2022-09-01 | $344,000 (2.9%) | $440,622 (0.3%) | 0.80 | 1,431 |
| 2022-10-01 | $348,250 (7.2%) | $435,434 (0.4%) | 0.82 | 1,443 |
| 2022-11-01 | $339,950 (4.6%) | $418,875 (-2.8%) | 0.82 | 1,395 |
| 2022-12-01 | $344,950 (0.2%) | $429,518 (-3.2%) | 0.85 | 1,269 |
| 2023-01-01 | $364,171 (4.1%) | $435,600 (-4.0%) | 0.90 | 1,119 |
| 2023-02-01 | $384,900 (4.7%) | $457,247 (-5.5%) | 0.93 | 1,032 |
| 2023-03-01 | $399,900 (8.1%) | $463,576 (-5.6%) | 0.94 | 926 |
| 2023-04-01 | $408,000 (10.3%) | $473,794 (-2.0%) | 0.95 | 886 |
| 2023-05-01 | $407,500 (10.2%) | $494,081 (5.9%) | 0.92 | 965 |
| 2023-06-01 | $416,950 (12.7%) | $505,857 (7.9%) | 0.94 | 1,063 |
| 2023-07-01 | $419,000 (19.7%) | $514,590 (19.2%) | 0.95 | 1,142 |
| 2023-08-01 | $419,900 (19.3%) | $513,246 (19.1%) | 0.96 | 1,221 |
| 2023-09-01 | $415,900 (20.9%) | $509,342 (15.6%) | 0.97 | 1,263 |
| 2023-10-01 | $399,072 (14.6%) | $506,194 (16.3%) | 0.94 | 1,311 |
| 2023-11-01 | $392,450 (15.4%) | $494,104 (18.0%) | 0.93 | 1,338 |
| 2023-12-01 | $398,300 (15.5%) | $495,131 (15.3%) | 0.97 | 1,210 |
| 2024-01-01 | $423,188 (16.2%) | $515,780 (18.4%) | 1.03 | 1,059 |
| 2024-02-01 | $433,960 (12.8%) | $523,695 (14.5%) | 1.04 | 986 |
| 2024-03-01 | $435,650 (8.9%) | $560,118 (20.8%) | 1.03 | 898 |
| 2024-04-01 | $449,897 (10.3%) | $575,308 (21.4%) | 1.05 | 881 |
| 2024-05-01 | $443,050 (8.7%) | $568,536 (15.1%) | 1.01 | 1,016 |
| 2024-06-01 | $429,900 (3.1%) | $561,286 (11.0%) | 0.98 | 1,184 |
| 2024-07-01 | $428,374 (2.2%) | $568,497 (10.5%) | 0.98 | 1,273 |
| 2024-08-01 | $420,000 (0.0%) | $564,119 (9.9%) | 0.98 | 1,278 |
| 2024-09-01 | $415,000 (-0.2%) | $550,596 (8.1%) | 0.98 | 1,365 |
| 2024-10-01 | $419,575 (5.1%) | $549,188 (8.5%) | 0.99 | 1,345 |
| 2024-11-01 | $414,900 (5.7%) | $540,236 (9.3%) | 1.00 | 1,301 |
| 2024-12-01 | $415,000 (4.2%) | $538,710 (8.8%) | 1.03 | 1,144 |
| 2025-01-01 | $407,475 (-3.7%) | $541,131 (4.9%) | 1.02 | 989 |
| 2025-02-01 | $444,450 (2.4%) | $568,830 (8.6%) | 1.08 | 945 |
| 2025-03-01 | $449,950 (3.3%) | $608,426 (8.6%) | 0.00 | 924 |
ALBANY - SCHENECTADY - TROY's median listing price for 2025-03-01 was $449,950, a difference of
$14,300
(3.3%) versus the prior year and
$5,500 versus the prior month.
ALBANY - SCHENECTADY - TROY's median listing price comes in at 0% of the national average.
ALBANY - SCHENECTADY - TROY's average listing price for 2025-03-01 was $608,426, a difference of $48,308 (8.6%) versus the prior year and $39,596 versus the prior month.
For the 2025-03-01 period, ALBANY - SCHENECTADY - TROY had 924 MLS listings, a difference of -21 listings (-2%) versus the prior month and 26 listings (3%) versus the prior year.
ALBANY - SCHENECTADY - TROY's median listing price comes in at 0% of the national average.
ALBANY - SCHENECTADY - TROY's average listing price for 2025-03-01 was $608,426, a difference of $48,308 (8.6%) versus the prior year and $39,596 versus the prior month.
For the 2025-03-01 period, ALBANY - SCHENECTADY - TROY had 924 MLS listings, a difference of -21 listings (-2%) versus the prior month and 26 listings (3%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - ALBANY - SCHENECTADY - TROY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 101 days | 1,832 sqft |
| 2018-02-01 | 101 days | 1,850 sqft |
| 2018-03-01 | 89 days | 1,853 sqft |
| 2018-04-01 | 73 days | 1,871 sqft |
| 2018-05-01 | 62 days | 1,875 sqft |
| 2018-06-01 | 57 days | 1,873 sqft |
| 2018-07-01 | 62 days | 1,886 sqft |
| 2018-08-01 | 68 days | 1,875 sqft |
| 2018-09-01 | 75 days | 1,876 sqft |
| 2018-10-01 | 75 days | 1,876 sqft |
| 2018-11-01 | 77 days | 1,890 sqft |
| 2018-12-01 | 85 days | 1,874 sqft |
| 2019-01-01 | 93 days | 1,883 sqft |
| 2019-02-01 | 95 days | 1,901 sqft |
| 2019-03-01 | 85 days | 1,907 sqft |
| 2019-04-01 | 71 days | 1,901 sqft |
| 2019-05-01 | 59 days | 1,908 sqft |
| 2019-06-01 | 62 days | 1,907 sqft |
| 2019-07-01 | 68 days | 1,905 sqft |
| 2019-08-01 | 69 days | 1,893 sqft |
| 2019-09-01 | 71 days | 1,883 sqft |
| 2019-10-01 | 73 days | 1,874 sqft |
| 2019-11-01 | 80 days | 1,868 sqft |
| 2019-12-01 | 97 days | 1,851 sqft |
| 2020-01-01 | 106 days | 1,852 sqft |
| 2020-02-01 | 92 days | 1,878 sqft |
| 2020-03-01 | 72 days | 1,896 sqft |
| 2020-04-01 | 78 days | 1,887 sqft |
| 2020-05-01 | 86 days | 1,903 sqft |
| 2020-06-01 | 85 days | 1,931 sqft |
| 2020-07-01 | 64 days | 1,987 sqft |
| 2020-08-01 | 58 days | 1,942 sqft |
| 2020-09-01 | 53 days | 1,915 sqft |
| 2020-10-01 | 55 days | 1,900 sqft |
| 2020-11-01 | 66 days | 1,888 sqft |
| 2020-12-01 | 76 days | 1,878 sqft |
| 2021-01-01 | 88 days | 1,860 sqft |
| 2021-02-01 | 92 days | 1,886 sqft |
| 2021-03-01 | 71 days | 1,886 sqft |
| 2021-04-01 | 61 days | 1,887 sqft |
| 2021-05-01 | 50 days | 1,876 sqft |
| 2021-06-01 | 44 days | 1,878 sqft |
| 2021-07-01 | 49 days | 1,872 sqft |
| 2021-08-01 | 52 days | 1,865 sqft |
| 2021-09-01 | 55 days | 1,836 sqft |
| 2021-10-01 | 59 days | 1,800 sqft |
| 2021-11-01 | 60 days | 1,780 sqft |
| 2021-12-01 | 66 days | 1,826 sqft |
| 2022-01-01 | 77 days | 2,035 sqft |
| 2022-02-01 | 82 days | 1,926 sqft |
| 2022-03-01 | 56 days | 1,862 sqft |
| 2022-04-01 | 49 days | 1,824 sqft |
| 2022-05-01 | 36 days | 1,817 sqft |
| 2022-06-01 | 38 days | 1,824 sqft |
| 2022-07-01 | 40 days | 1,803 sqft |
| 2022-08-01 | 52 days | 1,819 sqft |
| 2022-09-01 | 59 days | 1,811 sqft |
| 2022-10-01 | 58 days | 1,800 sqft |
| 2022-11-01 | 60 days | 1,775 sqft |
| 2022-12-01 | 68 days | 1,762 sqft |
| 2023-01-01 | 78 days | 1,762 sqft |
| 2023-02-01 | 73 days | 1,791 sqft |
| 2023-03-01 | 68 days | 1,816 sqft |
| 2023-04-01 | 62 days | 1,816 sqft |
| 2023-05-01 | 45 days | 1,847 sqft |
| 2023-06-01 | 44 days | 1,835 sqft |
| 2023-07-01 | 49 days | 1,831 sqft |
| 2023-08-01 | 50 days | 1,832 sqft |
| 2023-09-01 | 51 days | 1,819 sqft |
| 2023-10-01 | 54 days | 1,800 sqft |
| 2023-11-01 | 58 days | 1,804 sqft |
| 2023-12-01 | 65 days | 1,800 sqft |
| 2024-01-01 | 73 days | 1,800 sqft |
| 2024-02-01 | 73 days | 1,838 sqft |
| 2024-03-01 | 62 days | 1,821 sqft |
| 2024-04-01 | 56 days | 1,841 sqft |
| 2024-05-01 | 36 days | 1,844 sqft |
| 2024-06-01 | 41 days | 1,850 sqft |
| 2024-07-01 | 49 days | 1,846 sqft |
| 2024-08-01 | 52 days | 1,820 sqft |
| 2024-09-01 | 51 days | 1,840 sqft |
| 2024-10-01 | 55 days | 1,845 sqft |
| 2024-11-01 | 58 days | 1,804 sqft |
| 2024-12-01 | 66 days | 1,787 sqft |
| 2025-01-01 | 71 days | 1,774 sqft |
| 2025-02-01 | 70 days | 1,790 sqft |
| 2025-03-01 | 0 days | 1,798 sqft |
ALBANY - SCHENECTADY - TROY's median listing age (time on market) for 2025-03-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
ALBANY - SCHENECTADY - TROY's median square footage for active listings during the 2025-03-01 period was 1,798 sqft. One year prior, the average listing was 1,821 sqft.
ALBANY - SCHENECTADY - TROY's median square footage for active listings during the 2025-03-01 period was 1,798 sqft. One year prior, the average listing was 1,821 sqft.
ALBANY-SCHENECTADY-TROY, NY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 8,264 | $2,604,480,000 | $315,160 |
| Home Improvement | 3,266 | $293,730,000 | $89,936 |
| Cash Out Refi | 1,643 | $334,285,000 | $203,460 |
| Other | 1,386 | $166,850,000 | $120,382 |
| Refi | 1,200 | $364,820,000 | $304,017 |
Albany - Schenectady - Troy's most frequently cited loan purpose was Home Purchase, with 8,264 originations. The 2nd most popular reason was Home Improvement, with 3,266 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 6,377 | $1,685,755,000 | $264,349 |
| 7-8% | 2,974 | $603,140,000 | $202,804 |
| 5-6% | 2,689 | $780,905,000 | $290,407 |
| Over 8% | 2,325 | $306,365,000 | $131,770 |
| 4-5% | 202 | $79,750,000 | $394,802 |
| <2.5% | 188 | $26,460,000 | $140,745 |
| 3-4% | 141 | $19,195,000 | $136,135 |
| 2.5-3% | 38 | $9,020,000 | $237,368 |
During 2024, Albany - Schenectady - Troy's most frequently originated rate bucket was 6-7%, with 6,377 originations.
Loan Sizing (ALBANY-SCHENECTADY-TROY, NY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 5,716 | $1,586,480,000 | $277,551 |
| $100,000 or less | 4,259 | $234,095,000 | $54,965 |
| $100k-200k | 3,971 | $581,575,000 | $146,456 |
| $400k-600k | 1,322 | $623,700,000 | $471,785 |
| $600k-1000k | 381 | $270,805,000 | $710,774 |
| $Over $1MM | 110 | $467,510,000 | $4,250,091 |
ALBANY - SCHENECTADY - TROY's loan sizing saw the bucket of loans from $200k-400k with 5,716 originations, totaling $1,586,480,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 5,129 | $1,575,105,000 | $307,098 |
| 60-80% | 3,150 | $1,060,070,000 | $336,530 |
| Under 20% | 2,729 | $168,315,000 | $61,676 |
| 20-40% | 2,443 | $291,075,000 | $119,147 |
| 40-60% | 1,343 | $357,675,000 | $266,325 |
| Over 100% | 100 | $58,730,000 | $587,300 |
ALBANY - SCHENECTADY - TROY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 5,129 originations, totaling $1,575,105,000 in origination value.