Mortgage lenders in Chautauqua County
1,656 mortgages were made in Chautauqua County, New York, in 2025, by 146 lenders. The median rate their borrowers got was 6.750% on a median loan of $115,000. Of 2,279 decisions, 564 were denials — 24.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Community Bank, National Association | 265 | 7.180% | $95,000 | 19.6% |
| Manufacturers and Traders Trust Company | 205 | 6.125% | $105,000 | 23.9% |
| Rocket Mortgage, LLC | 188 | 6.990% | $125,000 | 25.0% |
| Northwest Bank | 163 | 6.500% | $85,000 | 17.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 124 | 6.551% | $165,000 | 10.6% |
| Lake Shore Savings Bank | 73 | Not published | $85,000 | 24.5% |
| MOVEMENT MORTGAGE, LLC | 55 | 6.437% | $165,000 | 5.9% |
| Farm Credit East, ACA | 41 | 7.100% | $205,000 | 0.0% |
| KeyBank National Association | 37 | 6.500% | $95,000 | 34.4% |
| GREATER WOODLAWN FEDERAL CREDIT UNION | 26 | 6.025% | $120,000 | 10.3% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 25 | Not published | $65,000 | 26.5% |
| Citizens Bank, National Association | 22 | 8.650% | $100,000 | 38.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 21 | 6.990% | $155,000 | 11.5% |
| Centra Credit Union | 20 | 5.683% | $95,000 | 4.6% |
| Cattaraugus County Bank | 19 | Not published | $115,000 | 9.1% |
| HOMESTEAD FUNDING CORP. | 19 | 6.688% | $145,000 | 9.5% |
| Mortgage Research Center, LLC | 17 | 6.625% | $165,000 | 29.2% |
| PREMIUM MORTGAGE CORPORATION | 17 | 6.875% | $145,000 | 5.0% |
| PNC Bank, National Association | 16 | 7.250% | $155,000 | 34.6% |
| 1ST PRIORITY MORTGAGE, INC. | 13 | 6.625% | $145,000 | 18.8% |
| Navy Federal Credit Union | 12 | 6.625% | $100,000 | 47.8% |
| NEWREZ LLC | 11 | 6.750% | $135,000 | 31.3% |
| JPMorgan Chase Bank, National Association | 10 | 6.625% | $240,000 | 15.4% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 69.0% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 52.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Five Star Bank | 9 | Under 10 loans | Under 10 loans | 16.7% |
| CNB Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| OWNERSCHOICE FUNDING, INCORPORATED | 8 | Under 10 loans | Under 10 loans | 11.1% |
| HUNT MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Financial Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 64.7% |
| NBT Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 70.6% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 76.2% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Evans Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Genesee Regional Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 76.9% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 55.6% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Cornerstone Community Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Tompkins Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 60.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CORRY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXTIER BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 96.4% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alden State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FEDCHOICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Crews Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HUDSON VALLEY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ERIE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Island Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RBC Bank, (Georgia) National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | Not published |
| ESL Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Midland States Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank OZK | 0 | Under 10 loans | Under 10 loans | Not published |
| THE SUMMIT Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Old Second National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| The Lyons National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Chautauqua County
33 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Community Bank, National Association | 9 | $571.4 million |
| Manufacturers and Traders Trust Company | 7 | $429.8 million |
| Northwest Bank | 5 | $355.9 million |
| Lake Shore Bank | 5 | $334.9 million |
| KeyBank National Association | 3 | $316.0 million |
| Cattaraugus County Bank | 2 | $76.8 million |
| NBT Bank, National Association | 1 | $126.2 million |
| Woodforest National Bank | 1 | $3.4 million |
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.