Mortgage Lenders and Brokers in Lockport, 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
Lockport, New York mortgage lenders include M&T BankM&T Bank118 Walnut St, Lockport, NY 14094A+5.0 ★Texas Ratio: 4.11%, Keybank National AssociationKeybank National Association6950 S Transit Rd, Lockport, NY 14094A+5.0 ★Texas Ratio: 4.81%, Cornerstone Community FCUCornerstone Community FCU55 Stevens St, Lockport, NY 14094 4229B+4.8 ★Texas Ratio: 17.18%, Northwest BankNorthwest Bank55 East Ave, Lockport, NY 14094A+5.0 ★Texas Ratio: 3.99%, Citizens Bank, NACitizens Bank, NA5793 S Transit Rd, Lockport, NY 14094A+5.0 ★Texas Ratio: 5.44%, Nbt Bank NANbt Bank NA5688 S Transit Rd, Lockport, NY 14094A+5.0 ★Texas Ratio: 3.43%, Ontario Shores FCUOntario Shores FCU6411 Campbell Blvd, Lockport, NY 14094A+5.0 ★Texas Ratio: 4.72%, Niagara's Choice FCUNiagara's Choice FCU260 West Ave, Lockport, NY 14094, Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 4.14%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1 S Airmont Rd, Airmont, NY 10901A+5.0 ★Texas Ratio: 3.68%. 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 Lockport, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lockport 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 Lockport, New York
Market share is the lender's share of all home loans closed in Lockport, 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 Lockport 118 Walnut St, Lockport, NY 14094 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 18 +13 HELOCs |
6.8% | 81.8% | $148,888 | View |
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3 offices in Lockport 6950 S Transit Rd, Lockport, NY 14094 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, HELOC | 14 +1 HELOCs |
5.3% | 68.2% | $170,714 | View |
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55 Stevens St, Lockport, NY 14094 4229 B+4.8 ★Texas Ratio: 17.18% |
Conventional, HELOC | 6 +44 HELOCs |
2.3% | 85.7% | $153,333 | View |
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1 office in Lockport 55 East Ave, Lockport, NY 14094 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 4 +6 HELOCs |
1.5% | 57.1% | $80,000 | View |
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1 office in Lockport 5793 S Transit Rd, Lockport, NY 14094 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 3 +20 HELOCs |
1.1% | 75% | $178,333 | View |
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1 office in Lockport 5688 S Transit Rd, Lockport, NY 14094 A+5.0 ★Texas Ratio: 3.43% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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6411 Campbell Blvd, Lockport, NY 14094 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 6 | 2.3% | 85.7% | $125,000 | View |
Niagara's Choice FCU
260 West Ave, Lockport, NY 14094 |
Conventional, HELOC | 5 +3 HELOCs |
1.9% | 62.5% | $57,000 | |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 4 | 1.5% | 100% | $200,000 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.1% | 100% | $128,333 | View |
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65 state st, Auburn, NY 13021 A5.0 ★Texas Ratio: 7.78% |
Conventional | 2 | 0.8% | 66.7% | $155,000 | View |
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102 N Main St, Albion, NY 14411 A+5.0 ★Texas Ratio: 5.67% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $145,000 | View |
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77 Buell St, Akron, NY 14001 A5.0 ★Texas Ratio: 6.26% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.4% | 50% | $205,000 | View |
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2290 Delaware Ave Ste 100, BUFFALO, NY 14216 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
Moog Employees FCU
7181 SENECA St, EAST AURORA, NY 14052 0018 |
Conventional | 1 | 0.4% | 100% | $135,000 | |
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264 E MAIN ST, FREDONIA, NY 14063 1412 A+5.0 ★Texas Ratio: 1.45% |
Conventional | 1 | 0.4% | 100% | $25,000 | View |
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8766 Erie Rd, Angola, NY 14006 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
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180 N Main St, Alfred, NY 14802 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 0.4% | 100% | $55,000 | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
ESL Federal Credit Union
4214 Veterans Memorial Dr, Batavia, NY 14020 |
Conventional | 1 | 0.4% | 50% | $165,000 | |
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★ 5 stars, 1 review 311 Grant Avenue Rd, Auburn, NY 13021 A+5.0 ★Texas Ratio: 4.04% |
Conventional | 1 | 0.4% | 100% | $205,000 | 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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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Premium Mortgage Corporation
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Conventional, FHA, VA | 37 | 14.1% | 97.4% | $179,054 | |
1St Priority Mortgage, Inc.
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Conventional, FHA | 12 | 4.6% | 100% | $201,666 | |
Hunt Mortgage Corporation
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Conventional, FHA, VA | 9 | 3.4% | 90% | $206,111 | |
Homestead Funding Corp.
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Conventional, FHA | 4 | 1.5% | 100% | $160,000 | |
Evans Bank NA
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 40 | 15.2% | 80% | $144,250 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 24 | 9.1% | 96.2% | $169,583 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 18 | 6.8% | 90% | $193,333 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 1.9% | 83.3% | $89,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 4 | 1.5% | 100% | $172,500 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 1.5% | 100% | $142,500 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA, VA | 3 | 1.1% | 100% | $258,333 | View |
Pennymac Loan Services LLC
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FHA | 3 | 1.1% | 100% | $171,666 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 3 | 1.1% | 44.4% | $138,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.8% | 40% | $240,000 | |
Primelending
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FHA | 2 | 0.8% | 100% | $150,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 0.8% | 100% | $295,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.4% | 50% | $175,000 | |
Newrez LLC
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FHA | 1 | 0.4% | 20% | $135,000 | |
American Financial Network, Inc.
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VA | 1 | 0.4% | 100% | $325,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 25% | $45,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.4% | 100% | $205,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.4% | 50% | $105,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
Mortgage Research Center
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VA | 1 | 0.4% | 50% | $195,000 | |
Pentagon Federal Credit Union
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FHA | 1 | 0.4% | 33.3% | $145,000 | |
New American Funding, LLC.
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FHA | 1 | 0.4% | 100% | $185,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.4% | 100% | $255,000 | |
Texana Bank
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VA | 1 | 0.4% | 50% | $245,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $145,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lockport 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 Lockport, New York
Looking for mortgage lenders near me or mortgage brokers near me in Lockport? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lockport in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lockport, NY
Use these to narrow the list above. Each category shows how many Lockport, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Lockport, NY
Independent mortgage companies closed 66.9 percent of home loans in Lockport, New York in 2025, banks 22.1 percent and credit unions 11 percent. Premium Mortgage Corporation was the largest mortgage company, M&T Bank the largest bank and Cornerstone Community FCU the largest credit union. Among lenders headquartered in New York, M&T Bank led with 18 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 Lockport, NY
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Lockport, New York with 18 loans, about 6.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
24 lenders closed FHA loans in Lockport, New York in 2025, led by Premium Mortgage Corporation with 14. 11 lenders closed VA loans, led by CrossCountry Mortgage, LLC. 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. 19 banks and 14 credit unions closed home loans in Lockport, New York in 2025, alongside 23 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 Lockport, 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 Lockport, 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 Lockport. 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.
