Home purchase lenders in Erie County
8,211 home purchase mortgages were made in Erie County, New York, in 2025, by 238 lenders. The median rate their borrowers got was 6.500% on a median loan of $245,000. Of 9,218 decisions, 856 were denials — 9.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,374 | 6.423% | $235,000 | 6.0% |
| PREMIUM MORTGAGE CORPORATION | 1,079 | 6.625% | $255,000 | 1.7% |
| Manufacturers and Traders Trust Company | 878 | 6.375% | $235,000 | 6.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 568 | 6.750% | $255,000 | 2.6% |
| 1ST PRIORITY MORTGAGE, INC. | 388 | 6.625% | $245,000 | 3.5% |
| KeyBank National Association | 374 | 6.375% | $225,000 | 12.9% |
| HUNT MORTGAGE CORPORATION | 370 | 6.625% | $255,000 | 2.9% |
| Rocket Mortgage, LLC | 179 | 6.750% | $215,000 | 18.4% |
| Bank of America, National Association | 164 | 6.250% | $220,000 | 22.6% |
| Northwest Bank | 163 | 6.500% | $265,000 | 6.9% |
| HOMESTEAD FUNDING CORP. | 158 | 6.500% | $235,000 | 0.6% |
| Five Star Bank | 150 | 6.500% | $285,000 | 6.6% |
| Citizens Bank, National Association | 143 | 7.375% | $205,000 | 24.7% |
| MOVEMENT MORTGAGE, LLC | 113 | 6.500% | $245,000 | 3.2% |
| Community Bank, National Association | 111 | 7.125% | $195,000 | 14.0% |
| NBT Bank, National Association | 87 | 6.375% | $235,000 | 5.2% |
| PLAZA HOME MORTGAGE, INC. | 82 | 6.625% | $250,000 | 20.0% |
| Mortgage Research Center, LLC | 82 | 6.250% | $285,000 | 7.9% |
| JPMorgan Chase Bank, National Association | 80 | 6.538% | $275,000 | 20.0% |
| UIF CORPORATION | 74 | 6.625% | $185,000 | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 72 | 6.750% | $235,000 | 7.7% |
| EVERETT FINANCIAL, INC. | 66 | 6.750% | $225,000 | 7.0% |
| NVR Mortgage Finance, Inc. | 61 | 6.250% | $305,000 | 1.6% |
| GUIDANCE RESIDENTIAL, LLC | 58 | 6.813% | $190,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 53 | 6.750% | $335,000 | 3.6% |
| SEFCU SERVICES, LLC | 51 | 6.375% | $255,000 | 0.0% |
| Navy Federal Credit Union | 48 | 6.000% | $255,000 | 5.9% |
| CNB Bank | 43 | 6.375% | $320,000 | 14.8% |
| A&D Mortgage LLC | 41 | 7.375% | $185,000 | 8.7% |
| Evans Bank, National Association | 40 | 6.625% | $205,000 | 8.7% |
| CMG MORTGAGE, INC. | 39 | 6.500% | $215,000 | 10.0% |
| Bank of Holland | 32 | Not published | $225,000 | 11.1% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 32 | Not published | $185,000 | 11.1% |
| Tompkins Community Bank | 29 | 6.713% | $395,000 | 6.5% |
| THE SUMMIT Federal Credit Union | 27 | 6.500% | $195,000 | 9.7% |
| NEWREZ LLC | 27 | 6.750% | $265,000 | 12.5% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 25 | 7.125% | $195,000 | 3.7% |
| Cornerstone Community Federal Credit Union | 24 | 6.375% | $245,000 | 4.0% |
| 21st Mortgage Corporation | 23 | 11.510% | $55,000 | 59.7% |
| Kiavi Funding, Inc. | 22 | 11.720% | $190,000 | 18.5% |
| OWNERSCHOICE FUNDING, INCORPORATED | 22 | 6.500% | $205,000 | 4.4% |
| TD Bank, National Association | 22 | 6.688% | $550,000 | 15.4% |
| Alden State Bank | 22 | Not published | $355,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 20 | 6.875% | $290,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 19 | 9.490% | $185,000 | 0.0% |
| Broadview Federal Credit Union | 18 | 5.750% | $255,000 | 45.5% |
| CHAMPIONS FUNDING, LLC | 18 | 7.625% | $205,000 | 14.3% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.688% | $205,000 | 5.3% |
| DOMINION FINANCIAL SERVICES, LLC | 17 | 7.250% | $195,000 | 0.0% |
| Moog Employees Federal Credit Union | 17 | 6.600% | $265,000 | 0.0% |
| Citibank, National Association | 16 | 6.375% | $275,000 | 30.4% |
| Hometown Equity Mortgage, LLC | 14 | 7.313% | $195,000 | 50.0% |
| Financial Trust | 14 | Not published | $210,000 | 21.1% |
| The Dart Bank | 14 | 6.313% | $270,000 | 12.5% |
| USAA Federal Savings Bank | 13 | 6.625% | $265,000 | 48.2% |
| U.S. Bank National Association | 13 | 6.750% | $275,000 | 0.0% |
| Loan Funder LLC | 12 | 10.625% | $150,000 | 25.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 12 | 6.457% | $185,000 | 7.7% |
| GREAT ERIE | 12 | 6.625% | $265,000 | 7.7% |
| HOME TOWN FUNDING, INC. | 12 | 6.750% | $215,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 6.813% | $260,000 | 7.7% |
| GREATER WOODLAWN FEDERAL CREDIT UNION | 12 | 5.950% | $250,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 7.749% | $205,000 | 12.5% |
| Lake Shore Savings Bank | 11 | Not published | $845,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 10 | 8.240% | $95,000 | 58.7% |
| GUARANTEED RATE, INC. | 10 | 6.375% | $270,000 | 0.0% |
| Quontic Bank | 10 | 8.000% | $205,000 | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 6.813% | $225,000 | 0.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Barrington Bank & Trust Company, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Empower Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Regional Bank | 8 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| NEXTIER BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Chemung Canal Trust Company | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Ukrainian Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| TAMMAC HOLDINGS CORPORATION | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CONTOUR MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cattaraugus County Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ESL Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NORWICH COMMERCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CLIFFCO, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St Joseph's Parish Buffalo Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NIAGARA'S CHOICE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 3 | Under 10 loans | Under 10 loans | 81.8% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Ballston Spa National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 75.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CFCU COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR USA FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONTARIO SHORES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Whittier, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 38 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.