Mortgage Lenders and Brokers in Cheektowaga, 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
Cheektowaga, New York mortgage lenders include M&T BankM&T Bank58 Ellicott Rd, Cheektowaga, NY 14227A+5.0 ★Texas Ratio: 4.11%, Keybank National AssociationKeybank National Association1675 Walden Ave, Cheektowaga, NY 14225A+5.0 ★Texas Ratio: 4.81%, CrossRoads Community Federal Credit UnionCrossRoads Community Federal Credit Union3031 William St, Cheektowaga, NY 14227A+5.0 ★Texas Ratio: 0.27%, Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 4.14%, Western Division Federal Credit UnionWestern Division Federal Credit Union264 E MAIN ST, FREDONIA, NY 14063 1412A+5.0 ★Texas Ratio: 1.45%, Northwest BankNorthwest Bank3105 Niagara Falls Blvd, Amherst, NY 14228A+5.0 ★Texas Ratio: 3.99%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1 S Airmont Rd, Airmont, NY 10901A+5.0 ★Texas Ratio: 3.68%, Financial Trust Federal Credit UnionFinancial Trust Federal Credit Union3333 Harlem Rd, Cheektowaga, NY 14225A+5.0 ★Texas Ratio: 1.81%, Citizens Bank, NACitizens Bank, NA3865 Union Rd, Cheektowaga, NY 14225A+5.0 ★Texas Ratio: 5.44%, and Five Star BankFive Star Bank102 N Main St, Albion, NY 14411A+5.0 ★Texas Ratio: 5.67%. 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 Cheektowaga, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cheektowaga 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 Cheektowaga, New York
Market share is the lender's share of all home loans closed in Cheektowaga, 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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3 offices in Cheektowaga 58 Ellicott Rd, Cheektowaga, NY 14227 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, VA, HELOC | 100 +102 HELOCs |
9.5% | 89.4% | $192,100 | View |
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1 office in Cheektowaga 1675 Walden Ave, Cheektowaga, NY 14225 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, VA, HELOC | 42 +15 HELOCs |
4% | 67.7% | $160,952 | View |
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3031 William St, Cheektowaga, NY 14227 A+5.0 ★Texas Ratio: 0.27% |
Conventional | 5 | 0.5% | 71.4% | $41,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 21 +10 HELOCs |
2% | 70% | $186,428 | View |
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264 E MAIN ST, FREDONIA, NY 14063 1412 A+5.0 ★Texas Ratio: 1.45% |
Conventional, HELOC | 13 +7 HELOCs |
1.2% | 77.8% | $54,230 | View |
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3105 Niagara Falls Blvd, Amherst, NY 14228 A+5.0 ★Texas Ratio: 3.99% |
Conventional, VA, HELOC | 12 +19 HELOCs |
1.1% | 75% | $175,000 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 12 | 1.1% | 80% | $191,666 | View |
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3333 Harlem Rd, Cheektowaga, NY 14225 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 11 | 1% | 78.6% | $142,272 | View |
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3865 Union Rd, Cheektowaga, NY 14225 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 10 +100 HELOCs |
1% | 83.3% | $165,000 | View |
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102 N Main St, Albion, NY 14411 A+5.0 ★Texas Ratio: 5.67% |
Conventional, FHA, VA, HELOC | 9 +3 HELOCs |
0.9% | 90% | $240,555 | View |
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2690 Walden Ave, Cheektowaga, NY 14225 4720 A5.0 ★Texas Ratio: 7.78% |
Conventional, HELOC | 7 +9 HELOCs |
0.7% | 77.8% | $133,571 | View |
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26 E Church St, Adams, NY 13605 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 7 +1 HELOCs |
0.7% | 77.8% | $165,000 | View |
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182 Main St, Afton, NY 13730 A+5.0 ★Texas Ratio: 3.43% |
Conventional, FHA, HELOC | 6 +3 HELOCs |
0.6% | 100% | $220,000 | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional | 5 | 0.5% | 100% | $149,000 | View |
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315 Stahl Rd, Getzville, NY 14068 B+4.8 ★Texas Ratio: 17.18% |
Conventional, HELOC | 4 +10 HELOCs |
0.4% | 100% | $150,000 | View |
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8766 Erie Rd, Angola, NY 14006 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 4 | 0.4% | 66.7% | $165,000 | View |
Moog Employees FCU
7181 SENECA St, EAST AURORA, NY 14052 0018 |
Conventional | 3 | 0.3% | 60% | $98,333 | |
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13216 Broadway St, Alden, NY 14004 A5.0 ★Texas Ratio: 11.55% |
Conventional | 3 | 0.3% | 100% | $78,333 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 3 | 0.3% | 100% | $171,666 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 3 | 0.3% | 75% | $228,333 | View |
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77 Buell St, Akron, NY 14001 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 2 +7 HELOCs |
0.2% | 100% | $110,000 | View |
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2290 Delaware Ave Ste 100, BUFFALO, NY 14216 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 2 +5 HELOCs |
0.2% | 66.7% | $150,000 | View |
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8100 Transit Road Suite 500, Amherst, NY 14221 A+5.0 ★Texas Ratio: 4.86% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $160,000 | View |
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65 Wolf Rd, Albany, NY 12205 A+5.0 ★Texas Ratio: 3.61% |
Conventional | 2 | 0.2% | 100% | $190,000 | View |
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1850 Winton Rd S, Rochester, NY 14618 A+5.0 ★Texas Ratio: 3.91% |
Conventional | 2 | 0.2% | 100% | $190,000 | View |
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8252 N Main St, Eden, NY 14057 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 2 | 0.2% | 100% | $125,000 | View |
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2875 Union Rd Ste 12A, Cheektowaga, NY 14227 1467 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 0.2% | 100% | $50,000 | View |
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2265 Sheridan Dr, Buffalo, NY 14223 1531 A+5.0 ★Texas Ratio: 3.29% |
Conventional | 2 | 0.2% | 100% | $15,000 | View |
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250 Quaker Rd, East Aurora, NY 14052 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 2 | 0.2% | 100% | $35,000 | View |
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★ 5 stars, 1 review 604 Main St, Arcade, NY 14009 A5.0 ★Texas Ratio: 6.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $195,000 | View |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
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6002 NY 31, Cicero, NY 13039 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
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3811 LAKE SHORE RD, BLASDELL, NY 14219 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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1165 Main St, Dunkirk, NY 14048 A5.0 ★Texas Ratio: 13.81% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
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6265 Brockport Spencerport Rd, Brockport, NY 14420 A+5.0 ★Texas Ratio: 2.46% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.1% | 16.7% | $145,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +18 HELOCs |
0% | 0% | ||
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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 | |
Teachers Federal Credit Union
355 Broadway, Amityville, NY 11701 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Premium Mortgage Corporation
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Conventional, FHA, VA | 92 | 8.7% | 95.8% | $221,413 | |
1St Priority Mortgage, Inc.
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Conventional, FHA, VA | 36 | 3.4% | 100% | $210,833 | |
Hunt Mortgage Corporation
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Conventional, FHA, VA | 27 | 2.6% | 100% | $209,814 | |
Homestead Funding Corp.
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Conventional, FHA, VA | 17 | 1.6% | 100% | $168,529 | |
Reliance First Capital, LLC
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Conventional, FHA | 12 | 1.1% | 92.3% | $144,166 | |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 4 | 0.4% | 100% | $237,500 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 3 | 0.3% | 100% | $208,333 | |
Evans Bank NA
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Conventional, HELOC | 2 +1 HELOCs |
0.2% | 66.7% | $180,000 | |
Associated Mortgage Bankers Inc.
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Conventional | 2 | 0.2% | 100% | $225,000 | |
OwnersChoice Funding, Inc.
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Conventional | 1 | 0.1% | 50% | $225,000 | |
St. Josephs Parish Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Cliffco, Inc.
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FHA | 1 | 0.1% | 100% | $315,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Interstate Home Loan Center, Inc.
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Hometown Funding, INC. D/B/A CNB Mortgage Company
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Jovia Financial Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 156 +1 HELOCs |
14.8% | 91.3% | $218,076 | |
Rocket Mortgage
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Conventional, FHA, VA | 123 | 11.7% | 78.8% | $158,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 53 | 5% | 98.1% | $218,018 | |
Uif Corporation
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Conventional | 21 | 2% | 84.6% | $200,238 | |
Guidance Residential, LLC
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Conventional | 17 | 1.6% | 100% | $217,941 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 15 | 1.4% | 100% | $236,333 | |
loanDepot.com LLC
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Conventional, FHA | 12 | 1.1% | 75% | $105,833 | |
Newrez LLC
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Conventional, FHA | 11 | 1% | 50% | $138,636 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 1% | 78.6% | $225,909 | |
Cmg Mortgage Inc
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Conventional, FHA | 11 | 1% | 86.7% | $203,181 | |
Nationstar Mortgage
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Conventional, FHA, VA | 11 | 1% | 84.6% | $182,272 | |
Mortgage Research Center
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VA | 10 | 1% | 83.3% | $256,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 10 | 1% | 83.3% | $245,000 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 9 | 0.9% | 90% | $175,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 8 | 0.8% | 100% | $200,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +3 HELOCs |
0.6% | 87.5% | $216,666 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
0.6% | 100% | $200,000 | View |
Royal United Mortgage LLC
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Conventional, FHA, VA | 6 | 0.6% | 85.7% | $118,333 | |
Triad Financial Services, Inc.
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Conventional | 6 | 0.6% | 33.3% | $85,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 5 | 0.5% | 100% | $187,000 | View |
Discover Bank
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Conventional | 3 | 0.3% | 13.6% | $58,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 0.3% | 42.9% | $225,000 | View |
Tammac Holdings Corporation
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Conventional | 3 | 0.3% | 60% | $88,333 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.2% | 66.7% | $205,000 | View |
HomeBridge Financial Services, Inc
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Conventional | 2 | 0.2% | 100% | $215,000 | |
NJ Lenders Corp
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Conventional | 2 | 0.2% | 66.7% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.2% | 100% | $215,000 | View |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 0.2% | 100% | $215,000 | |
21St Mortgage
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Conventional | 2 | 0.2% | 100% | $75,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 0.2% | 100% | $205,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.1% | 100% | $265,000 | |
Star USA Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $35,000 | |
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A+5.0 ★Texas Ratio: 4.93% |
FHA | 1 | 0.1% | 100% | $75,000 | View |
Dart Bank
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.1% | 100% | $225,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.1% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.1% | 100% | $95,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $205,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
VA | 1 | 0.1% | 100% | $175,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.1% | 20% | $155,000 | |
Texana Bank
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VA | 1 | 0.1% | 66.7% | $245,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cheektowaga 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 Cheektowaga, New York
Looking for mortgage lenders near me or mortgage brokers near me in Cheektowaga? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cheektowaga in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cheektowaga, NY
Use these to narrow the list above. Each category shows how many Cheektowaga, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Cheektowaga, NY
Independent mortgage companies closed 66.3 percent of home loans in Cheektowaga, New York in 2025, banks 27.2 percent and credit unions 6.6 percent. Premium Mortgage Corporation was the largest mortgage company, M&T Bank the largest bank and CrossRoads Community Federal Credit Union the largest credit union. Among lenders headquartered in New York, M&T Bank led with 100 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 Cheektowaga, NY
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Cheektowaga, New York with 100 loans, about 9.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Cheektowaga, New York, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 98.1 percent, against a 82.9 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.
33 lenders closed FHA loans in Cheektowaga, New York in 2025, led by Rocket Mortgage with 33. 24 lenders closed VA loans, led by Rocket Mortgage. 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. 36 banks and 24 credit unions closed home loans in Cheektowaga, New York in 2025, alongside 44 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 Cheektowaga, 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 Cheektowaga, 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 Cheektowaga. 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.
