Mortgage Lenders and Brokers in Niagara Falls, 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
Niagara Falls, New York mortgage lenders include M&T BankM&T Bank880 Military Rd, Niagara Falls, NY 14304A+5.0 ★Texas Ratio: 4.11%, Keybank National AssociationKeybank National Association7350 Niagara Falls Blvd, Niagara Falls, NY 14304A+5.0 ★Texas Ratio: 4.81%, Niagara's Choice FCUNiagara's Choice FCU621 10th St, Niagara Falls, NY 14301 1813, Northwest BankNorthwest Bank4381 Military Rd, Niagara Falls, NY 14305A+5.0 ★Texas Ratio: 3.99%, Citizens Bank, NACitizens Bank, NA7200 Niagara Falls Blvd, Niagara Falls, NY 14304A+5.0 ★Texas Ratio: 5.44%, Bank of America NABank of America NA1263 N Military Rd, Niagara Falls, NY 14304A+5.0 ★Texas Ratio: 4.14%, Cnb BankCnb Bank2715 Highland Ave, Niagara Falls, NY 14305A5.0 ★Texas Ratio: 6.26%, Five Star BankFive Star Bank102 N Main St, Albion, NY 14411A+5.0 ★Texas Ratio: 5.67%, Cornerstone Community FCUCornerstone Community FCU4225 Witmer Rd, Niagara Falls, NY 14305B+4.8 ★Texas Ratio: 17.18%, and Western Division Federal Credit UnionWestern Division Federal Credit Union264 E MAIN ST, FREDONIA, NY 14063 1412A+5.0 ★Texas Ratio: 1.45%. 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 Niagara Falls, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Niagara Falls 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 Niagara Falls, New York
Market share is the lender's share of all home loans closed in Niagara Falls, 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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2 offices in Niagara Falls 880 Military Rd, Niagara Falls, NY 14304 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, VA, HELOC | 37 +34 HELOCs |
7.9% | 88.4% | $142,837 | View |
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3 offices in Niagara Falls 7350 Niagara Falls Blvd, Niagara Falls, NY 14304 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, HELOC | 32 +2 HELOCs |
6.9% | 72.7% | $150,000 | View |
Niagara's Choice FCU
621 10th St, Niagara Falls, NY 14301 1813 |
Conventional, HELOC | 18 +9 HELOCs |
3.9% | 72% | $61,111 | |
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2 offices in Niagara Falls 4381 Military Rd, Niagara Falls, NY 14305 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 16 +9 HELOCs |
3.4% | 88.9% | $128,125 | View |
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2 offices in Niagara Falls 7200 Niagara Falls Blvd, Niagara Falls, NY 14304 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 10 +30 HELOCs |
2.1% | 83.3% | $167,000 | View |
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1 office in Niagara Falls 1263 N Military Rd, Niagara Falls, NY 14304 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 8 +6 HELOCs |
1.7% | 100% | $172,500 | View |
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1 office in Niagara Falls 2715 Highland Ave, Niagara Falls, NY 14305 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $265,000 | View |
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102 N Main St, Albion, NY 14411 A+5.0 ★Texas Ratio: 5.67% |
Conventional | 4 | 0.9% | 80% | $150,000 | View |
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4225 Witmer Rd, Niagara Falls, NY 14305 B+4.8 ★Texas Ratio: 17.18% |
Conventional, HELOC | 3 +24 HELOCs |
0.6% | 75% | $178,333 | View |
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264 E MAIN ST, FREDONIA, NY 14063 1412 A+5.0 ★Texas Ratio: 1.45% |
Conventional, HELOC | 3 +2 HELOCs |
0.6% | 100% | $45,000 | View |
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26 E Church St, Adams, NY 13605 A+5.0 ★Texas Ratio: 3.83% |
Conventional | 2 | 0.4% | 100% | $50,000 | View |
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1850 Winton Rd S, Rochester, NY 14618 A+5.0 ★Texas Ratio: 3.91% |
Conventional, FHA | 2 | 0.4% | 100% | $155,000 | View |
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★ 1.7 stars, 3 reviews 200 Broadway, New York, NY 10038 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 2 | 0.4% | 66.7% | $215,000 | View |
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182 Main St, Afton, NY 13730 A+5.0 ★Texas Ratio: 3.43% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $145,000 | View |
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2290 Delaware Ave Ste 100, BUFFALO, NY 14216 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $125,000 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 50% | $205,000 | View |
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8766 Erie Rd, Angola, NY 14006 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
Conventional | 1 | 0.2% | 100% | $125,000 | |
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★ 5 stars, 1 review 604 Main St, Arcade, NY 14009 A5.0 ★Texas Ratio: 6.37% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
FHA | 1 | 0.2% | 100% | $155,000 | View |
ESL Federal Credit Union
4214 Veterans Memorial Dr, Batavia, NY 14020 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Premium Mortgage Corporation
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Conventional, FHA, VA | 51 | 10.9% | 100% | $160,098 | |
1St Priority Mortgage, Inc.
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Conventional, FHA, VA | 24 | 5.2% | 80.6% | $167,916 | |
Hunt Mortgage Corporation
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Conventional, FHA | 13 | 2.8% | 87.5% | $161,153 | |
Homestead Funding Corp.
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Conventional, FHA, VA | 9 | 1.9% | 90% | $138,333 | |
Evans Bank NA
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Conventional, HELOC | 3 +2 HELOCs |
0.6% | 100% | $98,333 | |
Hometown Funding, INC. D/B/A CNB Mortgage Company
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Conventional | 2 | 0.4% | 100% | $130,000 | |
Reliance First Capital, LLC
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VA | 2 | 0.4% | 75% | $190,000 | |
OwnersChoice Funding, Inc.
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Conventional | 1 | 0.2% | 100% | $95,000 | |
Mid-Island Mortgage Corp.
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FHA | 1 | 0.2% | 100% | $195,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 74 | 15.9% | 74.8% | $136,486 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 49 | 10.5% | 87.5% | $167,448 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 20 | 4.3% | 100% | $160,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 1.7% | 80% | $143,750 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA | 7 | 1.5% | 72.7% | $145,000 | View |
Royal United Mortgage LLC
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Conventional | 6 | 1.3% | 100% | $78,333 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 6 | 1.3% | 85.7% | $128,333 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 1.1% | 83.3% | $111,000 | |
American Financial Network, Inc.
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FHA | 5 | 1.1% | 100% | $151,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 4 | 0.9% | 100% | $147,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +2 HELOCs |
0.6% | 75% | $175,000 | |
Newrez LLC
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Conventional, FHA | 3 | 0.6% | 50% | $118,333 | |
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A+5.0 ★Texas Ratio: 2.20% |
FHA, VA | 3 | 0.6% | 75% | $145,000 | View |
Nationstar Mortgage
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Conventional | 3 | 0.6% | 42.9% | $105,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.4% | 50% | $175,000 | View |
Mortgage Research Center
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VA | 2 | 0.4% | 60% | $145,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA, VA | 2 | 0.4% | 100% | $150,000 | View |
Freedom Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $155,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.2% | 50% | $215,000 | |
Norwich Commercial Group Inc
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FHA | 1 | 0.2% | 100% | $195,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 14.3% | $55,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Network Capital Funding Corporation
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FHA | 1 | 0.2% | 100% | $145,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 50% | $155,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.2% | 100% | $195,000 | |
Uif Corporation
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Conventional | 1 | 0.2% | 50% | $105,000 | |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.2% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
Texana Bank
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Conventional | 1 | 0.2% | 50% | $105,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Niagara Falls 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 Niagara Falls, New York
Looking for mortgage lenders near me or mortgage brokers near me in Niagara Falls? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Niagara Falls in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Niagara Falls, NY
Use these to narrow the list above. Each category shows how many Niagara Falls, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Niagara Falls, NY
Independent mortgage companies closed 64.2 percent of home loans in Niagara Falls, New York in 2025, banks 29.2 percent and credit unions 6.7 percent. Premium Mortgage Corporation was the largest mortgage company, M&T Bank the largest bank and Niagara's Choice FCU the largest credit union. Among lenders headquartered in New York, M&T Bank led with 37 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 Niagara Falls, NY
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Niagara Falls, New York with 37 loans, about 7.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Niagara Falls, New York, Premium Mortgage Corporation approved the highest share of completed applications in 2025 at 100 percent, against a 81.7 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.
26 lenders closed FHA loans in Niagara Falls, New York in 2025, led by Rocket Mortgage with 31. 17 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. 25 banks and 9 credit unions closed home loans in Niagara Falls, New York in 2025, alongside 27 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 Niagara Falls, 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 Niagara Falls, 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 Niagara Falls. 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.
