Mortgage Lenders and Brokers in West Seneca, 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
West Seneca, New York mortgage lenders include M&T BankM&T Bank10 Slade Ave, West Seneca, NY 14224A+5.0 ★Texas Ratio: 4.11%, Keybank National AssociationKeybank National Association4050 Seneca St, West Seneca, NY 14224A+5.0 ★Texas Ratio: 4.81%, Northwest BankNorthwest Bank1051 Union Rd, West Seneca, NY 14224A+5.0 ★Texas Ratio: 3.99%, Citizens Bank, NACitizens Bank, NA800 Harlem Rd, West Seneca, NY 14224A+5.0 ★Texas Ratio: 5.44%, Financial Trust Federal Credit UnionFinancial Trust Federal Credit Union4257 Seneca St, West Seneca, NY 14224A+5.0 ★Texas Ratio: 1.81%, Nbt Bank NANbt Bank NA938 Union Rd, West Seneca, NY 14224A+5.0 ★Texas Ratio: 3.43%, Community Bank, N.A.Community Bank, N.A.325 Orchard Park Rd, West Seneca, NY 14224A+5.0 ★Texas Ratio: 3.83%, Western Division Federal Credit UnionWestern Division Federal Credit Union264 E MAIN ST, FREDONIA, NY 14063 1412A+5.0 ★Texas Ratio: 1.45%, Five Star BankFive Star Bank102 N Main St, Albion, NY 14411A+5.0 ★Texas Ratio: 5.67%, and Bank of America NABank of America NA4049 Seneca St, West Seneca, NY 14224A+5.0 ★Texas Ratio: 4.14%. 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 West Seneca, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West Seneca 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 West Seneca, New York
Market share is the lender's share of all home loans closed in West Seneca, 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 West Seneca 10 Slade Ave, West Seneca, NY 14224 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, VA, HELOC | 81 +71 HELOCs |
11.6% | 96.6% | $217,716 | View |
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2 offices in West Seneca 4050 Seneca St, West Seneca, NY 14224 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, VA, HELOC | 51 +7 HELOCs |
7.3% | 85% | $200,098 | View |
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1 office in West Seneca 1051 Union Rd, West Seneca, NY 14224 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 17 +9 HELOCs |
2.4% | 100% | $204,411 | View |
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1 office in West Seneca 800 Harlem Rd, West Seneca, NY 14224 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 15 +63 HELOCs |
2.1% | 93.8% | $165,666 | View |
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4257 Seneca St, West Seneca, NY 14224 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 11 | 1.6% | 73.3% | $109,545 | View |
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1 office in West Seneca 938 Union Rd, West Seneca, NY 14224 A+5.0 ★Texas Ratio: 3.43% |
Conventional, HELOC | 6 +5 HELOCs |
0.9% | 100% | $261,666 | View |
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1 office in West Seneca 325 Orchard Park Rd, West Seneca, NY 14224 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 4 +1 HELOCs |
0.6% | 100% | $200,000 | View |
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264 E MAIN ST, FREDONIA, NY 14063 1412 A+5.0 ★Texas Ratio: 1.45% |
Conventional, HELOC | 8 +4 HELOCs |
1.1% | 100% | $161,250 | View |
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102 N Main St, Albion, NY 14411 A+5.0 ★Texas Ratio: 5.67% |
Conventional, HELOC | 8 +1 HELOCs |
1.1% | 100% | $477,500 | View |
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4049 Seneca St, West Seneca, NY 14224 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 7 +8 HELOCs |
1% | 100% | $223,571 | View |
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2290 Delaware Ave Ste 100, BUFFALO, NY 14216 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 6 +1 HELOCs |
0.9% | 77.8% | $58,333 | View |
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130 S Elmwood Ave Ste 147, Buffalo, NY 14202 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 6 | 0.9% | 100% | $140,000 | View |
Moog Employees FCU
7181 SENECA St, EAST AURORA, NY 14052 0018 |
Conventional | 5 | 0.7% | 100% | $63,000 | |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional | 5 | 0.7% | 100% | $213,000 | View |
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3811 LAKE SHORE RD, BLASDELL, NY 14219 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 4 | 0.6% | 100% | $185,000 | View |
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77 Buell St, Akron, NY 14001 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 3 +6 HELOCs |
0.4% | 100% | $151,666 | View |
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65 state st, Auburn, NY 13021 A5.0 ★Texas Ratio: 7.78% |
Conventional, HELOC | 3 +1 HELOCs |
0.4% | 100% | $181,666 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.4% | 100% | $225,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 2 | 0.3% | 66.7% | $205,000 | View |
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8766 Erie Rd, Angola, NY 14006 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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3031 William St, Cheektowaga, NY 14227 A+5.0 ★Texas Ratio: 0.27% |
Conventional | 1 | 0.1% | 50% | $55,000 | View |
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1850 Winton Rd S, Rochester, NY 14618 A+5.0 ★Texas Ratio: 3.91% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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2882 Niagara Falls Blvd, Amherst, NY 14228 A5.0 ★Texas Ratio: 10.53% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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315 Stahl Rd, Getzville, NY 14068 B+4.8 ★Texas Ratio: 17.18% |
HELOC | 0 +16 HELOCs |
0% | n/a | View | |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +11 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews 200 Broadway, New York, NY 10038 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2500 Westchester Ave, Purchase, NY 10577 2587 A5.0 ★Texas Ratio: 11.76% |
HELOC | 0 +1 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 +1 HELOCs |
0% | n/a | View | |
Premium Mortgage Corporation
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Conventional, FHA, VA | 58 | 8.3% | 100% | $278,275 | |
1St Priority Mortgage, Inc.
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Conventional, FHA, VA | 30 | 4.3% | 100% | $233,000 | |
Hunt Mortgage Corporation
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Conventional, FHA | 27 | 3.9% | 96.4% | $248,333 | |
Homestead Funding Corp.
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Conventional, FHA | 7 | 1% | 100% | $156,428 | |
Reliance First Capital, LLC
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Conventional, FHA | 6 | 0.9% | 85.7% | $200,000 | |
OwnersChoice Funding, Inc.
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Conventional | 4 | 0.6% | 100% | $157,500 | |
Evans Bank NA
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Conventional | 3 | 0.4% | 100% | $211,666 | |
St. Josephs Parish Federal Credit Union
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Conventional | 2 | 0.3% | 100% | $135,000 | |
Contour Mortgage Corporation
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VA | 1 | 0.1% | 100% | $325,000 | |
Hometown Funding, INC. D/B/A CNB Mortgage Company
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Conventional | 1 | 0.1% | 100% | $205,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 91 +1 HELOCs |
13% | 96.8% | $239,945 | |
Rocket Mortgage
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Conventional, FHA, VA | 73 | 10.4% | 81.3% | $161,712 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 39 +1 HELOCs |
5.6% | 100% | $270,897 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA | 18 | 2.6% | 100% | $267,777 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +1 HELOCs |
1.1% | 100% | $247,500 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA, VA | 7 | 1% | 87.5% | $270,714 | View |
Movement Mortgage, LLC
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Conventional, VA | 7 | 1% | 100% | $272,142 | |
Mortgage Research Center
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VA | 7 | 1% | 100% | $322,142 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 6 | 0.9% | 85.7% | $203,333 | |
Nationstar Mortgage
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Conventional, FHA | 6 | 0.9% | 100% | $198,333 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 0.7% | 83.3% | $257,000 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 5 | 0.7% | 100% | $249,000 | |
loanDepot.com LLC
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Conventional | 4 | 0.6% | 100% | $150,000 | |
Plaza Home Mortgage, Inc
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Conventional | 4 | 0.6% | 71.4% | $267,500 | |
Discover Bank
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Conventional | 3 | 0.4% | 25% | $75,000 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.4% | 100% | $305,000 | |
21St Mortgage
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Conventional | 3 | 0.4% | 42.9% | $58,333 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 3 | 0.4% | 75% | $188,333 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.3% | 66.7% | $140,000 | |
Newrez LLC
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Conventional, FHA | 2 | 0.3% | 100% | $180,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.3% | 100% | $260,000 | View |
Dart Bank
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Conventional | 1 | 0.1% | 100% | $215,000 | |
United Trust Bank
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VA | 1 | 0.1% | 100% | $245,000 | |
NJ Lenders Corp
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Greenwood Credit Union
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Conventional | 1 | 0.1% | 100% | $55,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.1% | 100% | $255,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $125,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.1% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
Uif Corporation
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Conventional | 1 | 0.1% | 100% | $285,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.1% | 100% | $515,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fed Ex Employees Credit Association
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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 |
West Seneca 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 West Seneca, New York
Looking for mortgage lenders near me or mortgage brokers near me in West Seneca? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Seneca in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Seneca, NY
Use these to narrow the list above. Each category shows how many West Seneca, NY lenders fit and what that kind of lender is usually best for.
Who Lends in West Seneca, NY
Independent mortgage companies closed 60.3 percent of home loans in West Seneca, New York in 2025, banks 31 percent and credit unions 8.7 percent. Better Mortgage Corporation was the largest mortgage company, M&T Bank the largest bank and Financial Trust Federal Credit Union the largest credit union. Among lenders headquartered in New York, M&T Bank led with 81 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 West Seneca, NY
By home loans closed in 2025, M&T Bank was the largest mortgage lender in West Seneca, New York with 81 loans, about 11.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in West Seneca, New York, Premium Mortgage Corporation approved the highest share of completed applications in 2025 at 100 percent, against a 91.8 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.
20 lenders closed FHA loans in West Seneca, New York in 2025, led by Rocket Mortgage with 16. 19 lenders closed VA loans, led by Mortgage Research Center. 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. 29 banks and 17 credit unions closed home loans in West Seneca, New York in 2025, alongside 33 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 West Seneca, 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 West Seneca, 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 West Seneca. 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.
