Largest lenders in Cattaraugus County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Community Bank | D | 268 | 179 | 19.0% | 7.01% |
| 2 | Rocket Mortgage | C | 129 | 81 | 24.0% | 6.88% |
| 3 | Manufacturers and Traders Trust | C | 124 | 82 | 25.0% | 6.06% |
| 4 | United Shore Financial Services | B | 85 | 72 | 7.1% | 6.50% |
| 5 | Five Star Bank | C | 66 | 45 | 16.7% | 6.88% |
| 6 | Everett Financial | C | 49 | 35 | 10.2% | 6.75% |
| 7 | Northwest Bank | B | 33 | 24 | 12.1% | 6.50% |
| 8 | Premium Mortgage | A | 32 | 24 | 9.4% | 6.63% |
| 9 | Mortgage Research Center | C | 29 | 14 | 20.7% | 6.63% |
| 10 | Cattaraugus County Bank | – | 27 | 20 | 14.8% | — |
| 11 | Movement Mortgage | A | 27 | 19 | 0.0% | 6.63% |
| 12 | 21st Mortgage | F | 26 | 6 | 50.0% | 10.30% |
| 13 | Citizens Bank | C | 23 | 11 | 43.5% | 7.50% |
| 14 | Bank of Holland | C | 22 | 10 | 45.5% | — |
| 15 | 1st Priority Mortgage | A | 21 | 20 | 4.8% | 6.56% |
| 16 | Pennymac Loan Services | C | 19 | 7 | 5.3% | 6.49% |
| 17 | KeyBank | C | 19 | 9 | 42.1% | 9.44% |
| 18 | Crosscountry Mortgage | B | 19 | 12 | 10.5% | 6.98% |
| 19 | CNB Bank | A | 19 | 15 | 21.1% | 6.38% |
| 20 | Newrez | D | 19 | 5 | 21.1% | 6.25% |
| 21 | Navy Federal Credit Union | D | 19 | 5 | 42.1% | 6.13% |
| 22 | Loandepot.Com | D | 17 | 10 | 35.3% | 6.69% |
| 23 | Broadview Federal Credit Union | C | 17 | 10 | 35.3% | 5.75% |
| 24 | Triad Financial Services | D | 16 | 4 | 43.8% | 8.85% |
| 25 | Tompkins Community Bank | B | 16 | 13 | 12.5% | 6.13% |
Best approval odds in Cattaraugus County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 79 | 7.6% |
| 2 | Five Star Bank | 57 | 19.3% |
| 3 | Community Bank | 230 | 22.2% |
| 4 | Manufacturers and Traders Trust | 116 | 26.7% |
| 5 | Rocket Mortgage | 114 | 27.2% |
What Cattaraugus County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cattaraugus County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,306 | 842 | 21.4% | 6.99% | $105,000 |
| 2024 | 1,338 | 818 | 20.6% | 7.13% | $105,000 |
| 2025 | 1,455 | 888 | 21.2% | 6.75% | $115,000 |
Frequently asked questions
21.2% of applications in Cattaraugus County were denied in 2025, against 19.8% statewide in New York.
Community Bank, with 268 applications in 2025 and a denial rate of 19.0%.
The median mortgage application in Cattaraugus County in 2025 was for $115,000; the median property value on originated loans was $205,000.