Mortgage lenders in Niagara County
3,894 mortgages were made in Niagara County, New York, in 2025, by 180 lenders. The median rate their borrowers got was 6.500% on a median loan of $155,000. Of 5,169 decisions, 1,138 were denials — 22.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Cornerstone Community Federal Credit Union | 411 | 3.990% | $105,000 | 13.5% |
| Rocket Mortgage, LLC | 382 | 6.750% | $155,000 | 21.5% |
| Manufacturers and Traders Trust Company | 348 | 5.990% | $140,000 | 23.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 310 | 6.499% | $205,000 | 7.7% |
| PREMIUM MORTGAGE CORPORATION | 291 | 6.624% | $225,000 | 2.7% |
| Citizens Bank, National Association | 247 | 8.400% | $105,000 | 35.0% |
| KeyBank National Association | 194 | 6.375% | $165,000 | 28.1% |
| Northwest Bank | 187 | 6.000% | $105,000 | 22.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 116 | 6.750% | $225,000 | 5.7% |
| 1ST PRIORITY MORTGAGE, INC. | 109 | 6.625% | $225,000 | 7.5% |
| NIAGARA'S CHOICE FEDERAL CREDIT UNION | 107 | 6.375% | $65,000 | 31.4% |
| HUNT MORTGAGE CORPORATION | 89 | 6.625% | $205,000 | 6.2% |
| ONTARIO SHORES | 82 | 7.500% | $65,000 | 18.6% |
| Bank of America, National Association | 50 | 6.490% | $165,000 | 49.0% |
| Broadview Federal Credit Union | 46 | 6.125% | $75,000 | 29.2% |
| Loandepot.Com, LLC | 37 | 6.625% | $105,000 | 15.9% |
| EVERETT FINANCIAL, INC. | 35 | 6.750% | $215,000 | 7.7% |
| CNB Bank | 33 | 6.625% | $175,000 | 26.7% |
| Five Star Bank | 33 | 6.500% | $225,000 | 8.1% |
| NEWREZ LLC | 32 | 7.063% | $135,000 | 38.5% |
| PENNYMAC LOAN SERVICES, LLC | 32 | 6.433% | $235,000 | 20.0% |
| HOMESTEAD FUNDING CORP. | 31 | 6.500% | $165,000 | 6.1% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.750% | $165,000 | 20.0% |
| Navy Federal Credit Union | 26 | 6.375% | $180,000 | 27.8% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 26 | Not published | $60,000 | 7.1% |
| TRIAD FINANCIAL SERVICES, INC. | 24 | 8.880% | $55,000 | 23.7% |
| NBT Bank, National Association | 22 | 5.808% | $175,000 | 33.3% |
| MOVEMENT MORTGAGE, LLC | 22 | 6.500% | $185,000 | 3.9% |
| Mortgage Research Center, LLC | 21 | 6.500% | $255,000 | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 19 | 6.490% | $195,000 | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 19 | 6.500% | $175,000 | 20.8% |
| 21st Mortgage Corporation | 18 | 10.030% | $95,000 | 58.1% |
| Tompkins Community Bank | 18 | 6.501% | $325,000 | 5.0% |
| THE SUMMIT Federal Credit Union | 15 | 6.650% | $75,000 | 31.8% |
| Evans Bank, National Association | 15 | 6.875% | $105,000 | 11.8% |
| ROYAL UNITED MORTGAGE LLC | 14 | 6.938% | $80,000 | 26.3% |
| PLANET HOME LENDING, LLC | 13 | 5.990% | $315,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 7.058% | $175,000 | 18.8% |
| NVR Mortgage Finance, Inc. | 12 | 6.500% | $270,000 | 20.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 11 | 8.400% | $85,000 | 65.3% |
| SEFCU SERVICES, LLC | 11 | 6.500% | $205,000 | 21.4% |
| JPMorgan Chase Bank, National Association | 10 | 6.433% | $200,000 | 37.5% |
| Loan Funder LLC | 10 | 10.120% | $165,000 | 16.7% |
| Wells Fargo Bank, National Association | 10 | 6.313% | $195,000 | 28.6% |
| RELIANCE FIRST CAPITAL, LLC | 10 | 6.813% | $190,000 | 15.4% |
| Kiavi Funding, Inc. | 10 | 7.813% | $125,000 | 16.7% |
| Alden State Bank | 10 | Not published | $365,000 | 0.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Community Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| HOME TOWN FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Empower Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 85.7% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 5 | Under 10 loans | Under 10 loans | 67.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 63.2% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Genesee Regional Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Lake Shore Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 63.6% |
| ESL Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 28.6% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| RBC Bank, (Georgia) National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Holland | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ukrainian Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kenmore N.Y. Teachers Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Ballston Spa National Bank | 3 | Under 10 loans | Under 10 loans | 11.1% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FIRST OF NY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Moog Employees Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SERVU FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| St Joseph's Parish Buffalo Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 42.9% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 42.9% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICU Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900VRRL70B52CAL31 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC 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% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREAT ERIE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Canandaigua National Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | Not published |
| Ally Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| First-Citizens Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| RPE Home, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Builder Finance Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ERIE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FINGER LAKES FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXTIER BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Chemung Canal Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| FOUNDATION MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845007CY0EC0F59W414 | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NUMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third 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.
Bank branches in Niagara County
30 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| KeyBank National Association | 12 | $1.5 billion |
| Northwest Bank | 5 | $675.2 million |
| Manufacturers and Traders Trust Company | 4 | $753.8 million |
| Citizens Bank, National Association | 3 | $236.5 million |
| CNB Bank | 3 | $170.0 million |
| Bank of America, National Association | 1 | $308.2 million |
| NBT Bank, National Association | 1 | $69.2 million |
| Woodforest National Bank | 1 | $4.0 million |
Get told when this changes
When the next year’s lending figures are out for Niagara County, or a lender arrives or leaves.
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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.