Mortgage Lenders and Brokers in Brighton, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Brighton, New York mortgage lenders include M&T BankM&T Bank1627 Monroe Avenue, Brighton, NY 14618A+5.0 ★Texas Ratio: 4.11%, Genesee Regional BankGenesee Regional Bank1850 Winton Rd S, Rochester, NY 14618A+5.0 ★Texas Ratio: 3.91%, ESL Federal Credit UnionESL Federal Credit Union4214 Veterans Memorial Dr, Batavia, NY 14020, Pittsford Federal Credit UnionPittsford Federal Credit Union1321 Pittsford Mendon Rd, Mendon, NY 14506 9733A+5.0 ★Texas Ratio: 3.02%, Advantage Federal Credit UnionAdvantage Federal Credit Union113 HOLLAND AVE, ALBANY, NY 12208A+5.0 ★Texas Ratio: 3.72%, The Summit Federal Credit UnionThe Summit Federal Credit Union2290 Delaware Ave Ste 100, BUFFALO, NY 14216A+5.0 ★Texas Ratio: 2.28%, Reliant Community FCUReliant Community FCU6265 Brockport Spencerport Rd, Brockport, NY 14420A+5.0 ★Texas Ratio: 2.46%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1 S Airmont Rd, Airmont, NY 10901A+5.0 ★Texas Ratio: 3.68%, Keybank National AssociationKeybank National Association112 Grand Concourse, Albany, NY 12220A+5.0 ★Texas Ratio: 4.81%, and Family First of NY FCUFamily First of NY FCU375 Fairport Rd, East Rochester, NY 14445 1924A+5.0 ★Texas Ratio: 4.01%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Brighton, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Brighton are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Brighton, New York
Market share is the lender's share of all home loans closed in Brighton, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Brighton 1627 Monroe Avenue, Brighton, NY 14618 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 5 +10 HELOCs |
1.4% | 100% | $201,000 | View |
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1850 Winton Rd S, Rochester, NY 14618 A+5.0 ★Texas Ratio: 3.91% |
Conventional | 45 | 12.8% | 95.8% | $319,888 | View |
ESL Federal Credit Union
4214 Veterans Memorial Dr, Batavia, NY 14020 |
Conventional, FHA, HELOC | 25 +114 HELOCs |
7.1% | 86.2% | $252,200 | |
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1321 Pittsford Mendon Rd, Mendon, NY 14506 9733 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 15 +19 HELOCs |
4.3% | 94.1% | $81,666 | View |
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113 HOLLAND AVE, ALBANY, NY 12208 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 15 | 4.3% | 62.5% | $145,000 | View |
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2290 Delaware Ave Ste 100, BUFFALO, NY 14216 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 8 +11 HELOCs |
2.3% | 88.9% | $101,250 | View |
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6265 Brockport Spencerport Rd, Brockport, NY 14420 A+5.0 ★Texas Ratio: 2.46% |
Conventional, HELOC | 8 +3 HELOCs |
2.3% | 88.9% | $168,750 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 7 | 2% | 70% | $323,571 | View |
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112 Grand Concourse, Albany, NY 12220 A+5.0 ★Texas Ratio: 4.81% |
Conventional, VA, HELOC | 5 +1 HELOCs |
1.4% | 83.3% | $229,000 | View |
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375 Fairport Rd, East Rochester, NY 14445 1924 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 3 +8 HELOCs |
0.9% | 100% | $151,666 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.9% | 75% | $138,333 | View |
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4 Main St, Bloomfield, NY 14469 A5.0 ★Texas Ratio: 7.08% |
Conventional, HELOC | 2 +34 HELOCs |
0.6% | 100% | $60,000 | View |
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★ 5 stars, 1 review 604 Main St, Arcade, NY 14009 A5.0 ★Texas Ratio: 6.37% |
Conventional, HELOC | 2 +4 HELOCs |
0.6% | 100% | $365,000 | View |
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★ 5 stars, 1 review 311 Grant Avenue Rd, Auburn, NY 13021 A+5.0 ★Texas Ratio: 4.04% |
Conventional, HELOC | 2 +2 HELOCs |
0.6% | 100% | $190,000 | View |
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70 S Main St, Fairport, NY 14450 2136 A+5.0 ★Texas Ratio: 0.40% |
Conventional | 2 | 0.6% | 100% | $85,000 | View |
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2882 Niagara Falls Blvd, Amherst, NY 14228 A5.0 ★Texas Ratio: 10.53% |
Conventional | 2 | 0.6% | 100% | $90,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +26 HELOCs |
0.3% | 100% | $495,000 | View |
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102 N Main St, Albion, NY 14411 A+5.0 ★Texas Ratio: 5.67% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $425,000 | View |
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65 WRIGHT CIR, AUBURN, NY 13021 3135 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
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65 state st, Auburn, NY 13021 A5.0 ★Texas Ratio: 7.78% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
Conventional | 1 | 0.3% | 100% | $175,000 | |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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84 Canal St, Big Flats, NY 14814 8968 A+5.0 ★Texas Ratio: 3.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Premium Mortgage Corporation
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Conventional, FHA | 84 | 23.9% | 98.8% | $305,714 | |
Hometown Funding, INC. D/B/A CNB Mortgage Company
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Conventional | 28 | 8% | 100% | $385,714 | |
1St Priority Mortgage, Inc.
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Conventional, FHA | 11 | 3.1% | 100% | $385,000 | |
Hunt Mortgage Corporation
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Conventional | 4 | 1.1% | 100% | $372,500 | |
Contour Mortgage Corporation
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Conventional, VA | 2 | 0.6% | 100% | $305,000 | |
Homestead Funding Corp.
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Conventional | 2 | 0.6% | 100% | $95,000 | |
Reliant Home Funding, Inc
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Rocket Mortgage
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Conventional, FHA | 12 | 3.4% | 63.2% | $220,833 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 8 | 2.3% | 100% | $380,000 | |
Primelending
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Conventional | 7 | 2% | 100% | $286,428 | |
Fairway Independent Mort Corp
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Conventional | 6 | 1.7% | 100% | $318,333 | |
Pennymac Loan Services LLC
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Conventional | 5 | 1.4% | 100% | $145,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 4 | 1.1% | 100% | $332,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +1 HELOCs |
0.9% | 100% | $258,333 | |
Nationstar Mortgage
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Conventional | 3 | 0.9% | 100% | $258,333 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.6% | 66.7% | $355,000 | View |
Newrez LLC
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Conventional | 2 | 0.6% | 33.3% | $295,000 | |
Nbkc Bank
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Conventional | 2 | 0.6% | 100% | $435,000 | |
loanDepot.com LLC
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Conventional | 2 | 0.6% | 100% | $160,000 | |
Discover Bank
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Conventional | 2 | 0.6% | 66.7% | $90,000 | |
Cmg Mortgage Inc
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FHA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $175,000 | |
United Wholesale Mortgage
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Conventional | 1 | 0.3% | 100% | $265,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $185,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $195,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,445,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
Kinecta Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a |
Brighton Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Brighton, New York
Looking for mortgage lenders near me or mortgage brokers near me in Brighton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Brighton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Brighton, NY
Use these to narrow the list above. Each category shows how many Brighton, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Brighton, NY
Independent mortgage companies closed 42.7 percent of home loans in Brighton, New York in 2025, banks 33.6 percent and credit unions 23.6 percent. Better Mortgage Corporation was the largest mortgage company, M&T Bank the largest bank and ESL Federal Credit Union the largest credit union. Among lenders headquartered in New York, M&T Bank led with 5 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Brighton, NY
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Brighton, New York with 5 loans, about 1.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Brighton, New York, Premium Mortgage Corporation approved the highest share of completed applications in 2025 at 98.8 percent, against a 90.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Brighton, New York in 2025, led by M&T Bank with 1. 3 lenders closed VA loans, led by Keybank National Association. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 15 credit unions closed home loans in Brighton, New York in 2025, alongside 18 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Brighton, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Brighton, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Brighton. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
