Mortgage lenders in Erie County
16,228 mortgages were made in Erie County, New York, in 2025, by 304 lenders. The median rate their borrowers got was 6.580% on a median loan of $195,000. Of 20,997 decisions, 4,315 were denials — 20.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Manufacturers and Traders Trust Company | 2,140 | 5.990% | $155,000 | 23.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,637 | 6.399% | $235,000 | 7.4% |
| Citizens Bank, National Association | 1,259 | 8.400% | $105,000 | 30.6% |
| Rocket Mortgage, LLC | 1,156 | 6.750% | $165,000 | 19.3% |
| PREMIUM MORTGAGE CORPORATION | 1,135 | 6.625% | $255,000 | 1.8% |
| KeyBank National Association | 772 | 6.500% | $175,000 | 27.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 648 | 6.750% | $245,000 | 3.3% |
| Northwest Bank | 585 | 6.250% | $145,000 | 20.3% |
| 1ST PRIORITY MORTGAGE, INC. | 408 | 6.625% | $245,000 | 4.0% |
| HUNT MORTGAGE CORPORATION | 382 | 6.625% | $255,000 | 3.5% |
| Bank of America, National Association | 332 | 6.250% | $175,000 | 45.9% |
| Cornerstone Community Federal Credit Union | 311 | 3.990% | $105,000 | 12.9% |
| Broadview Federal Credit Union | 264 | 6.000% | $105,000 | 33.3% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 249 | Not published | $75,000 | 12.8% |
| CNB Bank | 233 | 5.250% | $155,000 | 18.2% |
| Five Star Bank | 216 | 6.625% | $240,000 | 11.9% |
| Community Bank, National Association | 203 | 7.000% | $155,000 | 23.6% |
| NBT Bank, National Association | 178 | 6.000% | $180,000 | 22.8% |
| HOMESTEAD FUNDING CORP. | 176 | 6.500% | $235,000 | 1.1% |
| THE SUMMIT Federal Credit Union | 151 | 7.250% | $75,000 | 39.3% |
| MOVEMENT MORTGAGE, LLC | 130 | 6.500% | $255,000 | 2.7% |
| Navy Federal Credit Union | 121 | 7.250% | $155,000 | 25.2% |
| PENNYMAC LOAN SERVICES, LLC | 119 | 6.375% | $255,000 | 14.3% |
| NATIONSTAR MORTGAGE LLC | 113 | 6.750% | $175,000 | 11.6% |
| JPMorgan Chase Bank, National Association | 111 | 6.575% | $265,000 | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 103 | 6.875% | $225,000 | 8.0% |
| NEWREZ LLC | 99 | 6.875% | $155,000 | 40.2% |
| PLAZA HOME MORTGAGE, INC. | 99 | 6.750% | $245,000 | 24.1% |
| Loandepot.Com, LLC | 91 | 6.990% | $135,000 | 31.4% |
| GREAT ERIE | 85 | 7.500% | $105,000 | 2.3% |
| Mortgage Research Center, LLC | 84 | 6.250% | $285,000 | 21.5% |
| EVERETT FINANCIAL, INC. | 80 | 6.813% | $220,000 | 12.1% |
| Alden State Bank | 79 | Not published | $145,000 | 10.0% |
| UIF CORPORATION | 77 | 6.625% | $185,000 | 18.6% |
| RELIANCE FIRST CAPITAL, LLC | 73 | 6.875% | $155,000 | 7.6% |
| 254900VRRL70B52CAL31 | 70 | 5.990% | $55,000 | 13.6% |
| GUIDANCE RESIDENTIAL, LLC | 67 | 6.875% | $175,000 | 3.8% |
| Evans Bank, National Association | 65 | 6.875% | $185,000 | 18.8% |
| Financial Trust | 62 | Not published | $85,000 | 25.9% |
| NVR Mortgage Finance, Inc. | 61 | 6.250% | $305,000 | 1.6% |
| Empower Federal Credit Union | 59 | 7.250% | $95,000 | 36.8% |
| Bank of Holland | 59 | Not published | $115,000 | 15.5% |
| SEFCU SERVICES, LLC | 57 | 6.375% | $255,000 | 1.7% |
| FREEDOM MORTGAGE CORPORATION | 55 | 6.750% | $215,000 | 12.7% |
| Tompkins Community Bank | 55 | 6.625% | $330,000 | 19.7% |
| CMG MORTGAGE, INC. | 50 | 6.500% | $215,000 | 10.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 49 | 9.990% | $145,000 | 1.9% |
| Kiavi Funding, Inc. | 48 | 7.688% | $165,000 | 21.0% |
| A&D Mortgage LLC | 44 | 7.375% | $185,000 | 16.7% |
| Moog Employees Federal Credit Union | 44 | 6.600% | $160,000 | 6.4% |
| ROYAL UNITED MORTGAGE LLC | 38 | 6.875% | $105,000 | 22.5% |
| Lake Shore Savings Bank | 36 | Not published | $205,000 | 23.4% |
| Discover Bank | 35 | 8.680% | $65,000 | 78.5% |
| BETTER MORTGAGE CORPORATION | 32 | 8.938% | $90,000 | 43.1% |
| BPL MORTGAGE TRUST, LLC | 32 | 8.220% | $130,000 | 17.7% |
| TD Bank, National Association | 32 | 6.875% | $255,000 | 23.8% |
| OWNERSCHOICE FUNDING, INCORPORATED | 32 | 6.563% | $165,000 | 18.0% |
| Hometown Equity Mortgage, LLC | 31 | 7.375% | $175,000 | 47.5% |
| GREATER WOODLAWN FEDERAL CREDIT UNION | 31 | 6.000% | $205,000 | 0.0% |
| Wells Fargo Bank, National Association | 30 | 6.375% | $180,000 | 36.2% |
| U.S. Bank National Association | 29 | 6.875% | $175,000 | 46.6% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 28 | 7.688% | $185,000 | 3.3% |
| NIAGARA'S CHOICE FEDERAL CREDIT UNION | 28 | 3.750% | $105,000 | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 27 | 6.500% | $175,000 | 46.3% |
| FIGURE LENDING LLC | 25 | 9.550% | $65,000 | 32.0% |
| CHAMPIONS FUNDING, LLC | 25 | 7.500% | $205,000 | 19.4% |
| DOMINION FINANCIAL SERVICES, LLC | 25 | 7.490% | $205,000 | 0.0% |
| PLANET HOME LENDING, LLC | 24 | 5.750% | $290,000 | 4.0% |
| Kenmore N.Y. Teachers Federal Credit Union | 24 | Not published | $50,000 | 0.0% |
| 21st Mortgage Corporation | 23 | 11.510% | $55,000 | 59.7% |
| Fairway Independent Mortgage Corporation | 23 | 6.875% | $285,000 | 8.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 22 | 6.000% | $155,000 | 4.2% |
| Loan Funder LLC | 21 | 9.750% | $135,000 | 25.0% |
| Citibank, National Association | 20 | 6.375% | $265,000 | 35.5% |
| AMERICAN HERITAGE LENDING, LLC | 19 | 7.875% | $175,000 | 14.7% |
| 254900FT9OP3VNCXMZ53 | 19 | 7.490% | $55,000 | 29.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 19 | 9.660% | $195,000 | 13.6% |
| NEXTIER BANK, NATIONAL ASSOCIATION | 19 | 6.750% | $745,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 18 | 6.990% | $120,000 | 55.0% |
| USAA Federal Savings Bank | 18 | 6.500% | $275,000 | 42.4% |
| PENTAGON FEDERAL CREDIT UNION | 18 | 7.125% | $230,000 | 51.3% |
| St Joseph's Parish Buffalo Federal Credit Union | 18 | 6.575% | $160,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 17 | 6.750% | $215,000 | 19.1% |
| Bethpage Federal Credit Union | 16 | 6.490% | $65,000 | 71.2% |
| PNC Bank, National Association | 16 | 7.625% | $80,000 | 60.0% |
| The Dart Bank | 15 | 6.375% | $285,000 | 15.8% |
| HOME TOWN FUNDING, INC. | 15 | 6.750% | $255,000 | 0.0% |
| Chemung Canal Trust Company | 14 | 6.563% | $350,000 | 10.5% |
| Quontic Bank | 13 | 8.000% | $205,000 | 23.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 6.875% | $255,000 | 7.1% |
| Citadel Servicing Corporation | 12 | 7.999% | $170,000 | 3.7% |
| GUARANTEED RATE, INC. | 12 | 6.550% | $270,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.808% | $285,000 | 7.1% |
| Flagstar Bank, N.A. | 11 | 6.625% | $165,000 | 35.3% |
| ICE LENDER HOLDINGS LLC | 11 | 7.625% | $175,000 | 31.3% |
| Genesee Regional Bank | 11 | 6.750% | $235,000 | 18.8% |
| CONSTRUCTIVE LOANS, LLC | 11 | 7.365% | $185,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 10 | 8.240% | $95,000 | 58.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 6.813% | $225,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.313% | $105,000 | 21.4% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 10 | 7.875% | $165,000 | 0.0% |
| Cattaraugus County Bank | 10 | Not published | $345,000 | 0.0% |
| Ukrainian Federal Credit Union | 10 | 6.438% | $195,000 | 0.0% |
| Emporium TPO LLC | 9 | Under 10 loans | Under 10 loans | 41.2% |
| Baxter Credit Union | 8 | Under 10 loans | Under 10 loans | 21.4% |
| ONTARIO SHORES | 8 | Under 10 loans | Under 10 loans | 20.0% |
| TOTAL MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 7 | Under 10 loans | Under 10 loans | 18.2% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 63.2% |
| NORWICH COMMERCIAL GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Farm Credit East, ACA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 70.0% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| CORNING CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 77.3% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 57.9% |
| TAMMAC HOLDINGS CORPORATION | 5 | Under 10 loans | Under 10 loans | 40.0% |
| CONTOUR MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| COREVEST AMERICAN FINANCE LENDER LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| American Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 3 | Under 10 loans | Under 10 loans | 81.8% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ballston Spa National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TEACHERS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 57.1% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| INTERSTATE HOME LOAN CENTER, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FIRST OF NY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CFCU COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Webster Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Canandaigua National Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nassau Educators Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 91.3% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 104 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Erie County
202 FDIC-insured branches from 20 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 44 | $41.9 billion |
| KeyBank National Association | 42 | $6.2 billion |
| Citizens Bank, National Association | 20 | $2.3 billion |
| Northwest Bank | 16 | $2.0 billion |
| Bank of America, National Association | 15 | $2.7 billion |
| NBT Bank, National Association | 13 | $1.6 billion |
| CNB Bank | 12 | $839.6 million |
| JPMorgan Chase Bank, National Association | 9 | $375.3 million |
| Five Star Bank | 6 | $404.2 million |
| Community Bank, National Association | 6 | $387.1 million |
| Lake Shore Bank | 6 | $264.2 million |
| Alden State Bank | 3 | $391.3 million |
| Bank of Holland | 3 | $234.1 million |
| HSBC Bank USA, National Association | 1 | $3.4 billion |
| Tompkins Community Bank | 1 | $106.1 million |
| Chemung Canal Trust Company | 1 | $97.9 million |
| Cattaraugus County Bank | 1 | $53.9 million |
| NEXTIER BANK, NATIONAL ASSOCIATION | 1 | $29.5 million |
| Woodforest National Bank | 1 | $7.4 million |
| Wilmington Trust, National Association | 1 | $0 |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Manufacturers and Traders Trust Company, 285 Delaware Ave, Buffalo
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When the next year’s lending figures are out for Erie County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.