New York · HMDA 2025
Mortgage lenders in Erie County, NY
299 lenders reported 26,759 home-loan applications in Erie County in 2025. 16,228 closed as loans ($4.0B), 4,315 were denied — a 20.6% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 28% of applications, led by Manufacturers and Traders Trust Company. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 26,759
- Loans originated
- 16,228
- Purchase / refinance
- 8,211 / 4,333
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Erie County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 3,180 | 11.9% | 32.9% |
| 2 | Citizens Bank, National Association 54 out of 100, Below average | 2,522 | 9.4% | 32.5% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 1,886 | 7.0% | — |
| 4 | Rocket Mortgage, LLC | 1,601 | 6.0% | — |
| 5 | KeyBank National Association 63 out of 100, Moderate | 1,260 | 4.7% | 32.8% |
| 6 | PREMIUM MORTGAGE CORPORATION | 1,242 | 4.6% | — |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 985 | 3.7% | 14.1% |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 866 | 3.2% | — |
| 9 | Northwest Bank 66 out of 100, Moderate | 821 | 3.1% | 20.6% |
| 10 | Bank of America, National Association 59 out of 100, Moderate | 791 | 3.0% | 44.7% |
| 11 | PENNYMAC LOAN SERVICES, LLC | 736 | 2.8% | — |
| 12 | 1ST PRIORITY MORTGAGE, INC. | 449 | 1.7% | — |
| 13 | Broadview Federal Credit Union 59 out of 100, Moderate | 448 | 1.7% | 29.9% |
| 14 | HUNT MORTGAGE CORPORATION | 446 | 1.7% | — |
| 15 | NEWREZ LLC | 442 | 1.7% | — |
| 16 | Cornerstone Community Federal Credit Union 44 out of 100, Below average | 435 | 1.6% | 13.9% |
| 17 | CNB Bank 65 out of 100, Moderate | 324 | 1.2% | 10.4% |
| 18 | Five Star Bank 66 out of 100, Moderate | 310 | 1.2% | 12.7% |
| 19 | Community Bank, National Association 62 out of 100, Moderate | 304 | 1.1% | 18.9% |
| 20 | WESTERN DIVISION FEDERAL CREDIT UNION 91 out of 100, Very strong | 303 | 1.1% | 13.5% |
| 21 | THE SUMMIT Federal Credit Union | 303 | 1.1% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 288 | 1.1% | — |
| 23 | Discover Bank | 273 | 1.0% | — |
| 24 | NBT Bank, National Association 64 out of 100, Moderate | 272 | 1.0% | 23.4% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 228 | 0.9% | 32.9% |
| 26 | HOMESTEAD FUNDING CORP. | 190 | 0.7% | — |
| 27 | PLAZA HOME MORTGAGE, INC. | 181 | 0.7% | — |
| 28 | Empower Federal Credit Union 59 out of 100, Moderate | 163 | 0.6% | 17.2% |
| 29 | MOVEMENT MORTGAGE, LLC | 157 | 0.6% | — |
| 30 | Loandepot.Com, LLC | 148 | 0.6% | — |
| 31 | Mortgage Research Center, LLC | 147 | 0.5% | — |
| 32 | AMERICAN FINANCIAL NETWORK, INC. | 140 | 0.5% | — |
| 33 | EVERETT FINANCIAL, INC. | 139 | 0.5% | — |
| 34 | UIF CORPORATION | 119 | 0.4% | — |
| 35 | PLANET HOME LENDING, LLC | 119 | 0.4% | — |
| 36 | Citibank, National Association 60 out of 100, Moderate | 113 | 0.4% | 24.0% |
| 37 | FREEDOM MORTGAGE CORPORATION | 106 | 0.4% | — |
| 38 | CMG MORTGAGE, INC. | 105 | 0.4% | — |
| 39 | GUIDANCE RESIDENTIAL, LLC | 105 | 0.4% | — |
| 40 | Financial Trust | 100 | 0.4% | — |
Top 40 of 299 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
- 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
- Rockland County 9,168 apps