Refinancing lenders in Erie County
1,978 refinancing mortgages were made in Erie County, New York, in 2025, by 135 lenders. The median rate their borrowers got was 6.500% on a median loan of $155,000. Of 2,615 decisions, 561 were denials — 21.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 448 | 8.400% | $145,000 | 21.9% |
| Manufacturers and Traders Trust Company | 225 | 5.990% | $125,000 | 20.1% |
| Rocket Mortgage, LLC | 182 | 5.990% | $215,000 | 18.8% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 92 | Not published | $75,000 | 16.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 86 | 5.929% | $265,000 | 10.4% |
| KeyBank National Association | 71 | 8.400% | $125,000 | 25.5% |
| CNB Bank | 61 | 5.000% | $185,000 | 15.1% |
| Broadview Federal Credit Union | 59 | 5.750% | $115,000 | 23.8% |
| Cornerstone Community Federal Credit Union | 59 | 3.990% | $175,000 | 14.5% |
| ROYAL UNITED MORTGAGE LLC | 38 | 6.875% | $105,000 | 20.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 36 | 6.125% | $245,000 | 0.0% |
| Bank of America, National Association | 33 | 5.990% | $125,000 | 46.8% |
| Alden State Bank | 32 | Not published | $150,000 | 10.8% |
| PREMIUM MORTGAGE CORPORATION | 32 | 6.495% | $235,000 | 0.0% |
| NBT Bank, National Association | 31 | 4.990% | $115,000 | 40.0% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 5.688% | $255,000 | 15.2% |
| Community Bank, National Association | 28 | 6.990% | $85,000 | 24.3% |
| Kiavi Funding, Inc. | 26 | 7.375% | $155,000 | 22.9% |
| Five Star Bank | 23 | 7.390% | $170,000 | 7.7% |
| Northwest Bank | 22 | 6.375% | $70,000 | 24.1% |
| GREAT ERIE | 22 | 7.750% | $90,000 | 0.0% |
| THE SUMMIT Federal Credit Union | 21 | 7.250% | $105,000 | 27.6% |
| PLANET HOME LENDING, LLC | 20 | 5.750% | $310,000 | 0.0% |
| Bank of Holland | 14 | Not published | $90,000 | 12.5% |
| St Joseph's Parish Buffalo Federal Credit Union | 14 | 6.525% | $160,000 | 0.0% |
| Tompkins Community Bank | 13 | 6.640% | $420,000 | 6.7% |
| NATIONSTAR MORTGAGE LLC | 12 | 5.933% | $255,000 | 7.1% |
| JPMorgan Chase Bank, National Association | 12 | 6.308% | $300,000 | 7.1% |
| Financial Trust | 12 | Not published | $110,000 | 20.0% |
| 1ST PRIORITY MORTGAGE, INC. | 10 | 5.875% | $280,000 | 9.1% |
| Evans Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Lake Shore Savings Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMESTEAD FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 81.8% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 58.8% |
| Third Federal Savings and Loan Association of Cleveland | 7 | Under 10 loans | Under 10 loans | 56.3% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Moog Employees Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEXTIER BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 54.6% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NIAGARA'S CHOICE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cattaraugus County Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OWNERSCHOICE FUNDING, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900VRRL70B52CAL31 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genesee Regional Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONTARIO SHORES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREATER WOODLAWN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Dart Bank | 0 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900FT9OP3VNCXMZ53 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Pinnacle Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST SOURCE | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Pittsford Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SEFCU SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 0 | Under 10 loans | Under 10 loans | Not published |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 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.
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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.