Mortgage Lenders and Brokers in Gowanda, 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
Gowanda, New York mortgage lenders include Community Bank, N.A.Community Bank, N.A.76 W Main St, Gowanda, NY 14070A+5.0 ★Texas Ratio: 3.83%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, Citizens Bank, NACitizens Bank, NA1440 Central Ave, Albany, NY 12205A+5.0 ★Texas Ratio: 5.44%, Keybank National AssociationKeybank National Association112 Grand Concourse, Albany, NY 12220A+5.0 ★Texas Ratio: 4.81%, Flagstar Bank NAFlagstar Bank NA110 Merrick Rd, Amityville, NY 11701D3.3 ★Texas Ratio: 35.11%, Greater Woodlawn Federal Credit UnionGreater Woodlawn Federal Credit Union3811 LAKE SHORE RD, BLASDELL, NY 14219A+5.0 ★Texas Ratio: 0.20%, Northwest BankNorthwest Bank3105 Niagara Falls Blvd, Amherst, NY 14228A+5.0 ★Texas Ratio: 3.99%, Wells Fargo Bank NAWells Fargo Bank NA921 Saw Mill River Rd, Ardsley, NY 10502A+5.0 ★Texas Ratio: 5.36%, Great Erie Federal Credit UnionGreat Erie Federal Credit Union130 S Elmwood Ave Ste 147, Buffalo, NY 14202A+5.0 ★Texas Ratio: 2.27%, and Better Mortgage CorporationBetter Mortgage Corporation300 Crosspoint Pkwy, Getzville, NY 14068 1606. 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 Gowanda, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gowanda 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 Gowanda, New York
Market share is the lender's share of all home loans closed in Gowanda, 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 Gowanda 76 W Main St, Gowanda, NY 14070 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 22 +6 HELOCs |
28.9% | 81.5% | $114,545 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, VA, HELOC | 6 +4 HELOCs |
7.9% | 100% | $265,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +2 HELOCs |
1.3% | 100% | $355,000 | View |
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112 Grand Concourse, Albany, NY 12220 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $95,000 | View |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 1.3% | 100% | $155,000 | View |
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3811 LAKE SHORE RD, BLASDELL, NY 14219 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 1 | 1.3% | 100% | $125,000 | View |
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3105 Niagara Falls Blvd, Amherst, NY 14228 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 1.3% | 50% | $215,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 1.3% | 100% | $145,000 | View |
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130 S Elmwood Ave Ste 147, Buffalo, NY 14202 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 1.3% | 100% | $55,000 | View |
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
Conventional | 1 | 1.3% | 100% | $75,000 | |
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3291 Lake Shore Rd, Blasdell, NY 14219 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 1.3% | 100% | $55,000 | View |
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264 E MAIN ST, FREDONIA, NY 14063 1412 A+5.0 ★Texas Ratio: 1.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Premium Mortgage Corporation
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Conventional, FHA, VA, USDA | 5 | 6.6% | 83.3% | $211,000 | |
Homestead Funding Corp.
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Conventional, FHA | 2 | 2.6% | 100% | $160,000 | |
OwnersChoice Funding, Inc.
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Conventional | 1 | 1.3% | 100% | $105,000 | |
1St Priority Mortgage, Inc.
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FHA | 1 | 1.3% | 100% | $225,000 | |
Hunt Mortgage Corporation
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Conventional | 1 | 1.3% | 100% | $175,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 11 | 14.5% | 84.6% | $138,636 | |
United Wholesale Mortgage
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Conventional, FHA | 8 | 10.5% | 100% | $225,000 | |
Plaza Home Mortgage, Inc
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FHA, USDA | 2 | 2.6% | 100% | $110,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.3% | 100% | $165,000 | |
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D3.5 ★Texas Ratio: 32.93% |
FHA | 1 | 1.3% | 100% | $185,000 | View |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.3% | 100% | $105,000 | |
Movement Mortgage, LLC
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FHA | 1 | 1.3% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 1.3% | 100% | $435,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 1.3% | 100% | $175,000 | |
21St Mortgage
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Conventional | 1 | 1.3% | 50% | $135,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.3% | 100% | $175,000 | View |
Gowanda 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 Gowanda, New York
Looking for mortgage lenders near me or mortgage brokers near me in Gowanda? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gowanda in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gowanda, NY
Use these to narrow the list above. Each category shows how many Gowanda, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Gowanda, NY
Independent mortgage companies closed 48.7 percent of home loans in Gowanda, New York in 2025, banks 46.1 percent and credit unions 5.3 percent. Better Mortgage Corporation was the largest mortgage company, Community Bank, N.A. the largest bank and Greater Woodlawn Federal Credit Union the largest credit union. Among lenders headquartered in New York, Community Bank, N.A. led with 22 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 Gowanda, NY
By home loans closed in 2025, Community Bank, N.A. was the largest mortgage lender in Gowanda, New York with 22 loans, about 28.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Gowanda, New York in 2025, led by Rocket Mortgage with 3. 4 lenders closed VA loans, led by Premium Mortgage Corporation, and 2 closed USDA rural loans. 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. 9 banks and 6 credit unions closed home loans in Gowanda, New York in 2025, alongside 14 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 Gowanda, 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 Gowanda, 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 Gowanda. 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.
