Largest lenders in Chautauqua County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Community Bank | D | 387 | 265 | 16.8% | 7.24% |
| 2 | Manufacturers and Traders Trust | C | 291 | 205 | 23.0% | 6.13% |
| 3 | Rocket Mortgage | C | 273 | 188 | 23.1% | 6.99% |
| 4 | Northwest Bank | B | 225 | 163 | 15.6% | 6.50% |
| 5 | United Shore Financial Services | B | 158 | 124 | 9.5% | 6.55% |
| 6 | Lake Shore Savings Bank | D | 111 | 73 | 21.6% | — |
| 7 | Movement Mortgage | A | 79 | 55 | 5.1% | 6.44% |
| 8 | KeyBank | C | 72 | 37 | 29.2% | 6.50% |
| 9 | 21st Mortgage | F | 49 | 9 | 40.8% | 9.23% |
| 10 | Citizens Bank | C | 45 | 22 | 31.1% | 8.65% |
| 11 | Farm Credit East, ACA | A | 44 | 41 | 0.0% | 7.10% |
| 12 | Western Division Federal Credit Union | A | 37 | 25 | 24.3% | — |
| 13 | Navy Federal Credit Union | D | 35 | 12 | 31.4% | 6.63% |
| 14 | Loan Funder | F | 34 | 1 | 79.4% | 11.25% |
| 15 | Primelending, a Plainscapital | A | 32 | 21 | 9.4% | 6.99% |
| 16 | PNC Bank | D | 29 | 16 | 31.0% | 7.25% |
| 17 | Greater Woodlawn Federal Credit Union | – | 29 | 26 | 10.3% | 6.03% |
| 18 | Mortgage Research Center | C | 26 | 17 | 26.9% | 6.63% |
| 19 | Centra Credit Union | A | 25 | 20 | 4.0% | 5.68% |
| 20 | Homestead Funding | A | 24 | 19 | 8.3% | 6.69% |
| 21 | Cattaraugus County Bank | – | 24 | 19 | 8.3% | — |
| 22 | Newrez | D | 24 | 11 | 20.8% | 6.75% |
| 23 | Discover Bank | F | 23 | 3 | 43.5% | 8.74% |
| 24 | Premium Mortgage | A | 22 | 17 | 4.6% | 6.88% |
| 25 | Bank of America | F | 21 | 5 | 57.1% | 6.24% |
Best approval odds in Chautauqua County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Movement Mortgage | 68 | 5.9% |
| 2 | United Shore Financial Services | 141 | 10.6% |
| 3 | Northwest Bank | 200 | 17.5% |
| 4 | Community Bank | 332 | 19.6% |
| 5 | Manufacturers and Traders Trust | 280 | 23.9% |
| 6 | Lake Shore Savings Bank | 98 | 24.5% |
| 7 | Rocket Mortgage | 252 | 25.0% |
| 8 | KeyBank | 61 | 34.4% |
What Chautauqua County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Chautauqua County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,454 | 1,612 | 19.7% | 6.99% | $105,000 |
| 2024 | 2,382 | 1,507 | 22.3% | 7.00% | $105,000 |
| 2025 | 2,646 | 1,656 | 21.3% | 6.75% | $105,000 |
Frequently asked questions
21.3% of applications in Chautauqua County were denied in 2025, against 19.8% statewide in New York.
Community Bank, with 387 applications in 2025 and a denial rate of 16.8%.
The median mortgage application in Chautauqua County in 2025 was for $105,000; the median property value on originated loans was $195,000.