NIAGARA'S CHOICE FEDERAL CREDIT UNION
NIAGARA'S CHOICE FEDERAL CREDIT UNION received 192 applications in 2025 and made 136 mortgages, in 3 counties across 1 state. The median rate its borrowers got was 5.550% on a median loan of $75,000. Of 189 decisions, 53 were denials — 28.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300V56OLT434ILO42 |
|---|---|
| Applications received | 192 |
| Mortgages made | 136 |
| Denied | 53 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.54 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 11 | 6.500% | $205,000 | 35.3% |
| Refinancing | 23 | 5.550% | $95,000 | 14.8% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 102 | 5.550% | $65,000 | 29.7% |
Where NIAGARA'S CHOICE FEDERAL CREDIT UNION lends most
The 3 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Niagara County, NY | 107 | 6.375% | 31.4% |
| Erie County, NY | 28 | 3.750% | 12.5% |
| Orleans County, NY | 1 | Under 10 loans | 0.0% |
Get told when this changes
When NIAGARA'S CHOICE FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.