New York · HMDA 2025
Mortgage lenders in Chautauqua County, NY
146 lenders reported 2,795 home-loan applications in Chautauqua County in 2025. 1,656 closed as loans ($265.5M), 564 were denied — a 24.7% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 35% of applications, led by Community Bank, National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,795
- Loans originated
- 1,656
- Purchase / refinance
- 904 / 329
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Chautauqua County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Community Bank, National Association 62 out of 100, Moderate | 387 | 13.8% | 18.9% |
| 2 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 297 | 10.6% | 32.9% |
| 3 | Rocket Mortgage, LLC | 281 | 10.1% | — |
| 4 | Northwest Bank 66 out of 100, Moderate | 225 | 8.1% | 20.6% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 158 | 5.7% | — |
| 6 | Lake Shore Savings Bank 86 out of 100, Very strong | 111 | 4.0% | 23.9% |
| 7 | MOVEMENT MORTGAGE, LLC | 79 | 2.8% | — |
| 8 | KeyBank National Association 63 out of 100, Moderate | 72 | 2.6% | 32.8% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 63 | 2.3% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 53 | 1.9% | 14.1% |
| 11 | 21st Mortgage Corporation | 49 | 1.8% | — |
| 12 | Citizens Bank, National Association 54 out of 100, Below average | 48 | 1.7% | 32.5% |
| 13 | Farm Credit East, ACA | 44 | 1.6% | — |
| 14 | WESTERN DIVISION FEDERAL CREDIT UNION 91 out of 100, Very strong | 37 | 1.3% | 13.5% |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 35 | 1.3% | 32.9% |
| 16 | Loan Funder LLC | 34 | 1.2% | — |
| 17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 32 | 1.1% | — |
| 18 | NEWREZ LLC | 31 | 1.1% | — |
| 19 | PNC Bank, National Association 62 out of 100, Moderate | 29 | 1.0% | 33.8% |
| 20 | GREATER WOODLAWN FEDERAL CREDIT UNION 96 out of 100, Very strong | 29 | 1.0% | 4.9% |
| 21 | Mortgage Research Center, LLC | 26 | 0.9% | — |
| 22 | Centra Credit Union 73 out of 100, Strong | 25 | 0.9% | 9.4% |
| 23 | Cattaraugus County Bank 61 out of 100, Moderate | 24 | 0.9% | 10.0% |
| 24 | HOMESTEAD FUNDING CORP. | 24 | 0.9% | — |
| 25 | Discover Bank | 23 | 0.8% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 22 | 0.8% | 44.7% |
| 27 | PREMIUM MORTGAGE CORPORATION | 22 | 0.8% | — |
| 28 | U.S. Bank National Association 55 out of 100, Moderate | 21 | 0.8% | 39.5% |
| 29 | Broadview Federal Credit Union 59 out of 100, Moderate | 21 | 0.8% | 29.9% |
| 30 | Loandepot.Com, LLC | 20 | 0.7% | — |
| 31 | CROSSCOUNTRY MORTGAGE, INC. | 18 | 0.6% | — |
| 32 | 1ST PRIORITY MORTGAGE, INC. | 17 | 0.6% | — |
| 33 | NATIONSTAR MORTGAGE LLC | 16 | 0.6% | — |
| 34 | Five Star Bank 66 out of 100, Moderate | 15 | 0.5% | 12.7% |
| 35 | FREEDOM MORTGAGE CORPORATION | 14 | 0.5% | — |
| 36 | ROYAL UNITED MORTGAGE LLC | 14 | 0.5% | — |
| 37 | OWNERSCHOICE FUNDING, INCORPORATED | 13 | 0.5% | — |
| 38 | HUNT MORTGAGE CORPORATION | 12 | 0.4% | — |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 11 | 0.4% | 22.2% |
| 40 | PLANET HOME LENDING, LLC | 11 | 0.4% | — |
Top 40 of 146 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps