Home purchase lenders in Niagara County
1,861 home purchase mortgages were made in Niagara County, New York, in 2025, by 141 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 2,224 decisions, 279 were denials — 12.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| PREMIUM MORTGAGE CORPORATION | 282 | 6.624% | $225,000 | 1.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 256 | 6.499% | $205,000 | 5.9% |
| Manufacturers and Traders Trust Company | 162 | 6.375% | $205,000 | 5.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 107 | 6.750% | $225,000 | 4.4% |
| 1ST PRIORITY MORTGAGE, INC. | 104 | 6.625% | $225,000 | 7.9% |
| KeyBank National Association | 103 | 6.375% | $205,000 | 13.3% |
| HUNT MORTGAGE CORPORATION | 86 | 6.625% | $205,000 | 6.5% |
| Rocket Mortgage, LLC | 81 | 6.875% | $185,000 | 15.6% |
| Northwest Bank | 47 | 6.375% | $235,000 | 14.5% |
| Cornerstone Community Federal Credit Union | 44 | 6.375% | $220,000 | 4.4% |
| Citizens Bank, National Association | 30 | 6.625% | $185,000 | 21.4% |
| EVERETT FINANCIAL, INC. | 29 | 6.750% | $215,000 | 9.1% |
| Bank of America, National Association | 29 | 6.490% | $205,000 | 6.5% |
| HOMESTEAD FUNDING CORP. | 29 | 6.500% | $165,000 | 6.5% |
| Five Star Bank | 26 | 6.438% | $230,000 | 3.6% |
| TRIAD FINANCIAL SERVICES, INC. | 24 | 8.880% | $55,000 | 23.3% |
| Mortgage Research Center, LLC | 19 | 6.500% | $255,000 | 9.1% |
| MOVEMENT MORTGAGE, LLC | 19 | 6.625% | $185,000 | 4.4% |
| 21st Mortgage Corporation | 18 | 10.030% | $95,000 | 55.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 6.370% | $200,000 | 5.3% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.500% | $200,000 | 11.1% |
| Navy Federal Credit Union | 15 | 6.125% | $225,000 | 16.7% |
| NVR Mortgage Finance, Inc. | 12 | 6.500% | $270,000 | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 7.058% | $175,000 | 13.3% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 6.750% | $395,000 | 20.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 11 | 8.400% | $85,000 | 65.3% |
| NBT Bank, National Association | 11 | 6.500% | $205,000 | 0.0% |
| Tompkins Community Bank | 11 | 6.625% | $355,000 | 0.0% |
| SEFCU SERVICES, LLC | 10 | 6.500% | $225,000 | 23.1% |
| Alden State Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ONTARIO SHORES | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Evans Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NIAGARA'S CHOICE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| CNB Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 5 | Under 10 loans | Under 10 loans | 67.9% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Genesee Regional Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE SUMMIT Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Community Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CONSTRUCTIVE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOME TOWN FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 3 | Under 10 loans | Under 10 loans | 11.1% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of Holland | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Lake Shore Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 42.9% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Moog Employees Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| St Joseph's Parish Buffalo Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVU FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 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% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal 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% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | Not published |
| Ally Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Builder Finance Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 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 |
| SouthState Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845007CY0EC0F59W414 | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 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 |
| The Canandaigua National Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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.
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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.