Mortgage Lenders and Brokers in Orchard Park, 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
Orchard Park, New York mortgage lenders include M&T BankM&T Bank4084 N Buffalo St, Orchard Park, NY 14127A+5.0 ★Texas Ratio: 4.11%, Keybank National AssociationKeybank National Association4239 N Buffalo Rd, Orchard Park, NY 14127A+5.0 ★Texas Ratio: 4.81%, Great Erie Federal Credit UnionGreat Erie Federal Credit Union4000 N Buffalo St, Orchard Park, NY 14127A+5.0 ★Texas Ratio: 2.27%, Northwest BankNorthwest Bank3858 N Buffalo St, Orchard Park, NY 14127A+5.0 ★Texas Ratio: 3.99%, Five Star BankFive Star Bank3233 Southwestern Blvd, Orchard Park, NY 14127A+5.0 ★Texas Ratio: 5.67%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3203 Southwestern Blvd, Orchard Park, NY 14127A+5.0 ★Texas Ratio: 3.68%, Community Bank, N.A.Community Bank, N.A.5 Clark St, Orchard Park, NY 14127A+5.0 ★Texas Ratio: 3.83%, Citizens Bank, NACitizens Bank, NA3201 Southwestern Blvd, Orchard Park, NY 14127A+5.0 ★Texas Ratio: 5.44%, Cnb BankCnb Bank3049 Orchard Park Rd, Orchard Park, NY 14127A5.0 ★Texas Ratio: 6.26%, and Nbt Bank NANbt Bank NA182 Main St, Afton, NY 13730A+5.0 ★Texas Ratio: 3.43%. 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 Orchard Park, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Orchard Park 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 Orchard Park, New York
Market share is the lender's share of all home loans closed in Orchard Park, 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 Orchard Park 4084 N Buffalo St, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, Jumbo, HELOC | 53 +46 HELOCs |
14.1% | 100% | $403,679 | View |
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2 offices in Orchard Park 4239 N Buffalo Rd, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 4.81% |
Conventional, Jumbo, HELOC | 21 +4 HELOCs |
5.6% | 84% | $380,714 | View |
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4000 N Buffalo St, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA | 20 | 5.3% | 95.2% | $152,500 | View |
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1 office in Orchard Park 3858 N Buffalo St, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 3.99% |
Conventional, Jumbo, HELOC | 9 +10 HELOCs |
2.4% | 90% | $442,777 | View |
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1 office in Orchard Park 3233 Southwestern Blvd, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 5.67% |
Conventional, Jumbo, HELOC | 5 +3 HELOCs |
1.3% | 100% | $559,000 | View |
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1 office in Orchard Park 3203 Southwestern Blvd, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 4 +2 HELOCs |
1.1% | 66.7% | $352,500 | View |
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1 office in Orchard Park 5 Clark St, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 3 +5 HELOCs |
0.8% | 100% | $328,333 | View |
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1 office in Orchard Park 3201 Southwestern Blvd, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +48 HELOCs |
0.5% | 50% | $420,000 | View |
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1 office in Orchard Park 3049 Orchard Park Rd, Orchard Park, NY 14127 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 1 +8 HELOCs |
0.3% | 100% | $45,000 | View |
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182 Main St, Afton, NY 13730 A+5.0 ★Texas Ratio: 3.43% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.8% | 100% | $528,333 | View |
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6520 Webster Rd, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 3 | 0.8% | 60% | $108,333 | View |
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3111 Union Rd, Orchard Park, NY 14127 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 2 | 0.5% | 100% | $260,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.5% | 66.7% | $350,000 | View |
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8252 N Main St, Eden, NY 14057 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 2 | 0.5% | 100% | $90,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +11 HELOCs |
0.3% | 50% | $725,000 | View |
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264 E MAIN ST, FREDONIA, NY 14063 1412 A+5.0 ★Texas Ratio: 1.45% |
Conventional, HELOC | 1 +5 HELOCs |
0.3% | 100% | $405,000 | View |
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2290 Delaware Ave Ste 100, BUFFALO, NY 14216 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $55,000 | View |
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★ 1.7 stars, 3 reviews 200 Broadway, New York, NY 10038 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $305,000 | View |
Moog Employees FCU
7181 SENECA St, EAST AURORA, NY 14052 0018 |
Conventional | 1 | 0.3% | 100% | $105,000 | |
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3811 LAKE SHORE RD, BLASDELL, NY 14219 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 1 | 0.3% | 100% | $25,000 | View |
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3031 William St, Cheektowaga, NY 14227 A+5.0 ★Texas Ratio: 0.27% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
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8100 Transit Road Suite 500, Amherst, NY 14221 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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2000 Westchester Ave, Purchase, NY 10577 A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.3% | 100% | $815,000 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.3% | 100% | $625,000 | View |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +13 HELOCs |
0% | n/a | ||
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315 Stahl Rd, Getzville, NY 14068 B+4.8 ★Texas Ratio: 17.18% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
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2500 Westchester Ave, Purchase, NY 10577 2587 A5.0 ★Texas Ratio: 11.76% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 604 Main St, Arcade, NY 14009 A5.0 ★Texas Ratio: 6.37% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Niagara's Choice FCU
260 West Ave, Lockport, NY 14094 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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65 state st, Auburn, NY 13021 A5.0 ★Texas Ratio: 7.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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375 Fairport Rd, East Rochester, NY 14445 1924 A+5.0 ★Texas Ratio: 4.01% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Premium Mortgage Corporation
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Conventional, FHA, VA | 48 | 12.7% | 100% | $421,458 | |
Hunt Mortgage Corporation
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Conventional, Jumbo | 22 | 5.8% | 95.7% | $409,545 | |
1St Priority Mortgage, Inc.
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Conventional, FHA | 14 | 3.7% | 100% | $289,285 | |
Homestead Funding Corp.
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Conventional | 4 | 1.1% | 100% | $415,000 | |
OwnersChoice Funding, Inc.
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Conventional | 2 | 0.5% | 50% | $495,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Evans Bank NA
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 49 +1 HELOCs |
13% | 98% | $361,122 | |
Rocket Mortgage
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Conventional, FHA, VA | 31 | 8.2% | 97.1% | $187,580 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 19 | 5% | 95.2% | $350,263 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +2 HELOCs |
1.1% | 100% | $467,500 | |
Mortgage Research Center
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Conventional, FHA, VA | 4 | 1.1% | 100% | $172,500 | |
Newrez LLC
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Conventional | 3 | 0.8% | 100% | $238,333 | |
Movement Mortgage, LLC
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Conventional, VA | 3 | 0.8% | 100% | $435,000 | |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $435,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.5% | 100% | $385,000 | |
Primelending
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Conventional | 2 | 0.5% | 100% | $355,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 0.5% | 100% | $360,000 | |
Discover Bank
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Conventional | 2 | 0.5% | 40% | $75,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.5% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $75,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $385,000 | View |
Cmg Mortgage Inc
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $255,000 | |
Alliant Credit Union
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,075,000 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
Nbkc Bank
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Conventional | 1 | 0.3% | 50% | $145,000 | |
Dart Bank
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Conventional | 1 | 0.3% | 50% | $305,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.3% | 100% | $105,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.3% | 100% | $195,000 | |
First Alliance Home Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 100% | $115,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $445,000 | View |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.3% | 100% | $885,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $635,000 | View |
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A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.3% | 100% | $715,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $365,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 33.3% | $225,000 | |
Signature Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Orchard Park 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 Orchard Park, New York
Looking for mortgage lenders near me or mortgage brokers near me in Orchard Park? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Orchard Park in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Orchard Park, NY
Use these to narrow the list above. Each category shows how many Orchard Park, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Orchard Park, NY
Independent mortgage companies closed 56.8 percent of home loans in Orchard Park, New York in 2025, banks 33.2 percent and credit unions 10.1 percent. Premium Mortgage Corporation was the largest mortgage company, M&T Bank the largest bank and Great Erie Federal Credit Union the largest credit union. Among lenders headquartered in New York, M&T Bank led with 53 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 Orchard Park, NY
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Orchard Park, New York with 53 loans, about 14.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Orchard Park, New York, M&T Bank approved the highest share of completed applications in 2025 at 100 percent, against a 93 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.
11 lenders closed FHA loans in Orchard Park, New York in 2025, led by United Wholesale Mortgage with 6. 10 lenders closed VA loans, led by Premium Mortgage Corporation. 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. 31 banks and 19 credit unions closed home loans in Orchard Park, 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 Orchard Park, 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 Orchard Park, 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 Orchard Park. 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.
