Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Albany County, New York
Every institution that decided a 1–4 unit mortgage application in Albany County between 2023 and 2025: 18,040 applications, 14,135 loans actually funded, across 8 kinds of borrowing.
Albany County at a glance
18,040Applications decided
2023–2025
14,135Loans funded
78% of decisions
85Census tracts
30 ZIP codes
315,374People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Investment home improvement is the hardest money to get here: lenders approved 34% of 115 applications.
Lending by loan type in Albany County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.5% | 7,843 | $285K | 95% | 178 |
| Home improvement loans | 73.3% | 4,570 | $65K | 98% | 62 |
| Cash-out refinance | 74.1% | 1,605 | $185K | 96% | 89 |
| Refinance | 74.1% | 1,811 | $115K | 97% | 84 |
| Investment property purchase | 86.4% | 1,334 | $205K | 95% | 136 |
| Investment cash-out refinance | 72.2% | 510 | $205K | 90% | 77 |
| Investment refinance | 81.3% | 252 | $185K | 93% | 54 |
| Investment home improvement | 33.9% | 115 | $125K | 95% | 37 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.