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Niagara County, New York · 2025

Mortgage lenders in Niagara County, NY: denial rates and top lenders (2025)

172 lenders acted on 5,930 mortgage applications for properties in Niagara County in 2025. 19.2% were denied (New York: 19.8%). Median rate on closed loans 6.50%; median loan $135,000; median property value $265,000.

5.9kApplications
19.2%Denial ratestate 19.8%
6.50%Median ratestate 6.63%
$135,000Median loan
$265,000Median property value

Largest lenders in Niagara County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Cornerstone Community Federal Credit Union A 566411 11.3%3.99%
2 Rocket Mortgage C 529382 20.2%6.75%
3 Manufacturers and Traders Trust C 498348 21.9%5.99%
4 Citizens Bank C 447247 31.1%8.40%
5 United Shore Financial Services B 359310 7.2%6.50%
6 Premium Mortgage A 326291 2.5%6.62%
7 KeyBank C 305194 25.3%6.38%
8 Northwest Bank B 267187 20.2%6.00%
9 Niagara'S Choice Federal Credit Union C 158107 31.0%6.38%
10 Crosscountry Mortgage B 156116 4.5%6.75%
11 1st Priority Mortgage A 125109 7.2%6.63%
12 Bank of America F 12050 40.8%6.49%
13 Ontario Shores D 11482 16.7%7.50%
14 Hunt Mortgage B 10689 5.7%6.63%
15 Newrez D 8632 23.3%7.06%
16 Triad Financial Services D 7624 23.7%8.88%
17 Broadview Federal Credit Union C 6846 27.9%6.13%
18 Pennymac Loan Services C 6432 12.5%6.43%
19 Discover Bank F 615 49.2%7.85%
20 21st Mortgage F 6018 41.7%10.03%
21 Everett Financial C 5535 5.5%6.75%
22 CNB Bank A 5433 22.2%6.63%
23 Loandepot.Com D 5237 13.5%6.63%
24 Credit Human Federal Credit Union D 4911 65.3%8.40%
25 Navy Federal Credit Union D 4926 20.4%6.38%

Best approval odds in Niagara County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Premium Mortgage3002.7%
2Crosscountry Mortgage1245.7%
3Hunt Mortgage976.2%
41st Priority Mortgage1207.5%
5United Shore Financial Services3377.7%
6Cornerstone Community Federal Credit Union47513.5%
7Ontario Shores10218.6%
8Rocket Mortgage49821.5%
9Northwest Bank24322.2%
10Manufacturers and Traders Trust46923.2%

What Niagara County borrowers applied for

By loan purpose

Home purchase 2,474 42% · 11.3% denied
Refinance 702 12% · 20.7% denied
Cash-out refinance 925 16% · 20.3% denied
Home improvement 1,072 18% · 28.4% denied
Other / HELOC 757 13% · 29.3% denied

By loan type

Conventional 4,915 83% · 19.7% denied
FHA 708 12% · 18.2% denied
VA 301 5% · 13.3% denied
USDA / RHS 6 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 366 32%
Credit history 300 26%
Collateral 211 19%
Other 118 10%
Incomplete application 85 7%
Insufficient cash 20 2%
Unverifiable information 20 2%
Employment history 15 1%
Mortgage insurance denied 1 0%

Niagara County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,3693,46419.6%6.75%$115,000
20245,4433,56118.7%6.75%$125,000
20255,9303,89419.2%6.50%$135,000

Frequently asked questions

19.2% of applications in Niagara County were denied in 2025, against 19.8% statewide in New York.

Cornerstone Community Federal Credit Union, with 566 applications in 2025 and a denial rate of 11.3%.

The median mortgage application in Niagara County in 2025 was for $135,000; the median property value on originated loans was $265,000.