Mortgage lending in Niagara County, New York
Lenders in Niagara County, New York reported 5,930 mortgage applications for 2025, according to the CFPB.
5,930 mortgage applications and 3,894 loans originated in 2025; the denial rate was 22.0% of 5,169 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Buffalo-Cheektowaga, NY MSA.
- 5,930
- Applications
- 3,894
- Loans originated
- 22.0%
- Denial rate
- 1,138 denied of 5,169 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,930 | 3,894 |
| 2024 | 5,443 | 3,561 |
| 2023 | 5,369 | 3,464 |
| 2022 | 6,548 | 4,371 |
| 2021 | 8,588 | 6,081 |
| 2020 | 7,708 | 5,296 |
| 2019 | 6,735 | 4,511 |
| 2018 | 6,258 | 4,222 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Cornerstone Community FCU | 411 | 566 |
| Rocket Mortgage | 382 | 529 |
| M&T Bank | 348 | 498 |
| United Wholesale Mortgage | 310 | 359 |
| Premium Mortgage Corporation | 291 | 326 |
| Citizens Bank, NA | 247 | 447 |
| Keybank National Association | 194 | 305 |
| Northwest Bank | 187 | 267 |
| Crosscountry Mortgage, LLC | 116 | 156 |
| 1ST Priority Mortgage, Inc. | 109 | 125 |
| Niagara's Choice FCU | 107 | 158 |
| Hunt Mortgage Corporation | 89 | 106 |
| Ontario Shores FCU | 82 | 114 |
| Bank of America NA | 50 | 120 |
| Broadview Federal Credit Union | 46 | 68 |
| loanDepot.com LLC | 37 | 52 |
| Everett Financial, Inc. | 35 | 55 |
| Five Star Bank | 33 | 48 |
| CNB Bank | 33 | 54 |
| Newrez LLC | 32 | 86 |
| Pennymac Loan Services LLC | 32 | 64 |
| Homestead Funding Corp. | 31 | 35 |
| Nationstar Mortgage | 28 | 38 |
| Western Division Federal Credit Union | 26 | 29 |
| Navy Federal Credit Union | 26 | 49 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 43 | no rate: base under 50 |
| Asian | 172 | 32.9% of 146 decided |
| Black or African American | 235 | 26.4% of 193 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,717 | 20.8% of 4,214 decided |
| 2 or more minority races | under 10 | |
| Joint | 94 | 21.6% of 74 decided |
| Race Not Available | 657 | 25.4% of 504 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 147 | 28.9% of 121 decided |
| Not Hispanic or Latino | 5,060 | 21.2% of 4,473 decided |
| Joint | 59 | 30.4% of 56 decided |
| Ethnicity Not Available | 664 | 26.4% of 519 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,240 | 22.8% of 1,922 decided |
| Female | 1,468 | 26.4% of 1,295 decided |
| Joint | 1,841 | 17.0% of 1,664 decided |
| Sex Not Available | 381 | 26.0% of 288 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1812 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved