Refinancing lenders in Niagara County
433 refinancing mortgages were made in Niagara County, New York, in 2025, by 78 lenders. The median rate their borrowers got was 6.100% on a median loan of $145,000. Of 595 decisions, 145 were denials — 24.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 84 | 8.400% | $115,000 | 29.0% |
| Rocket Mortgage, LLC | 59 | 5.990% | $205,000 | 20.3% |
| Cornerstone Community Federal Credit Union | 54 | 3.990% | $105,000 | 15.6% |
| Manufacturers and Traders Trust Company | 35 | 5.990% | $95,000 | 23.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 21 | 5.624% | $225,000 | 12.5% |
| NIAGARA'S CHOICE FEDERAL CREDIT UNION | 18 | 6.075% | $85,000 | 14.3% |
| ROYAL UNITED MORTGAGE LLC | 14 | 6.938% | $80,000 | 26.3% |
| KeyBank National Association | 11 | 6.375% | $135,000 | 38.1% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 11 | Not published | $65,000 | 8.3% |
| CNB Bank | 11 | 5.250% | $165,000 | 8.3% |
| PLANET HOME LENDING, LLC | 11 | 5.750% | $315,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Northwest Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Broadview Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIUM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Tompkins Community Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ONTARIO SHORES | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Community Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE SUMMIT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| M&T REALTY CAPITAL CORPORATION | 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% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FIRST OF NY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evans Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St Joseph's Parish Buffalo Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RPE Home, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FOUNDATION MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 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 |
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.