Albany
Metropolitan Statistical Area · MSA Code 10500
According to CFPB HMDA 2024 application volume among tracked metros, Albany ranks #344 of 418.
Mortgage lending activity in the Albany metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Albany Metropolitan Statistical Area (MSA code 10500) financed its book at an average note rate of 7.06%. 20 major lenders are tracked for this metro - Georgia Community Bank, Flagstar Bank NA, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Albany sits in the 5th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 47 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Albany denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 21.8% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $178,920 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Albany
In Albany, lead originator Georgia Community Bank funded 9.6% of 2,158 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 25.3% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Albany's 21.8% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Albany's 4,431 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Albany's $178,920 average loan (deduped against denial and volume peers).
Lenders active in the Albany metro
Georgia Community Bank funded 207 of the 2,158 loans originated here, 9.6% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Georgia Community Bank | 207 | 212 | $120,896 | 9.6% |
| 2 | Flagstar Bank NA | 182 | 213 | $223,404 | 8.4% |
| 3 | Rocket Mortgage | 156 | 225 | $175,933 | 7.2% |
| 4 | Synovus Bank | 89 | 132 | $181,439 | 4.1% |
| 5 | Flint Community Bank | 87 | 95 | $184,053 | 4.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Albany metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Albany borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.