New York · HMDA 2025
Mortgage lenders in Niagara County, NY
178 lenders reported 6,617 home-loan applications in Niagara County in 2025. 3,894 closed as loans ($721.8M), 1,138 were denied — a 22.0% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 25% of applications, led by Cornerstone Community Federal Credit Union. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,617
- Loans originated
- 3,894
- Purchase / refinance
- 1,861 / 982
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Niagara County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Cornerstone Community Federal Credit Union 44 out of 100, Below average | 566 | 8.6% | 13.9% |
| 2 | Rocket Mortgage, LLC | 549 | 8.3% | — |
| 3 | Citizens Bank, National Association 54 out of 100, Below average | 539 | 8.1% | 32.5% |
| 4 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 512 | 7.7% | 32.9% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 360 | 5.4% | — |
| 6 | PREMIUM MORTGAGE CORPORATION | 326 | 4.9% | — |
| 7 | KeyBank National Association 63 out of 100, Moderate | 305 | 4.6% | 32.8% |
| 8 | Northwest Bank 66 out of 100, Moderate | 267 | 4.0% | 20.6% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 232 | 3.5% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 192 | 2.9% | 14.1% |
| 11 | NIAGARA'S CHOICE FEDERAL CREDIT UNION 66 out of 100, Moderate | 158 | 2.4% | 28.0% |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 157 | 2.4% | — |
| 13 | 1ST PRIORITY MORTGAGE, INC. | 125 | 1.9% | — |
| 14 | NEWREZ LLC | 121 | 1.8% | — |
| 15 | Bank of America, National Association 59 out of 100, Moderate | 120 | 1.8% | 44.7% |
| 16 | ONTARIO SHORES | 114 | 1.7% | — |
| 17 | HUNT MORTGAGE CORPORATION | 106 | 1.6% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 82 | 1.2% | — |
| 19 | TRIAD FINANCIAL SERVICES, INC. | 76 | 1.1% | — |
| 20 | Broadview Federal Credit Union 59 out of 100, Moderate | 68 | 1.0% | 29.9% |
| 21 | 21st Mortgage Corporation | 61 | 0.9% | — |
| 22 | Discover Bank | 61 | 0.9% | — |
| 23 | EVERETT FINANCIAL, INC. | 55 | 0.8% | — |
| 24 | CNB Bank 65 out of 100, Moderate | 54 | 0.8% | 10.4% |
| 25 | Loandepot.Com, LLC | 52 | 0.8% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 49 | 0.7% | 32.9% |
| 27 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 49 | 0.7% | 74.7% |
| 28 | Five Star Bank 66 out of 100, Moderate | 48 | 0.7% | 12.7% |
| 29 | Mortgage Research Center, LLC | 44 | 0.7% | — |
| 30 | NBT Bank, National Association 64 out of 100, Moderate | 44 | 0.7% | 23.4% |
| 31 | PLANET HOME LENDING, LLC | 43 | 0.6% | — |
| 32 | HOMESTEAD FUNDING CORP. | 35 | 0.5% | — |
| 33 | FIRST CREDIT CORPORATION OF NEW YORK, INC. | 32 | 0.5% | — |
| 34 | PLAZA HOME MORTGAGE, INC. | 32 | 0.5% | — |
| 35 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 30 | 0.5% | 22.2% |
| 36 | WESTERN DIVISION FEDERAL CREDIT UNION 91 out of 100, Very strong | 29 | 0.4% | 13.5% |
| 37 | THE SUMMIT Federal Credit Union | 29 | 0.4% | — |
| 38 | PHH Mortgage Corporation | 28 | 0.4% | — |
| 39 | MOVEMENT MORTGAGE, LLC | 27 | 0.4% | — |
| 40 | AMERICAN FINANCIAL NETWORK, INC. | 27 | 0.4% | — |
Top 40 of 178 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