Mortgage lending in Niagara County
3,894 mortgages were originated in Niagara County, New York, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,894
- Median rate
- 6.500%
- Median lender fees
- $5,065
- Median loan amount
- $155,000
- Median spread over APOR
- 0.254
- Paid discount points
- 33.4%
- Received lender credits
- 21.3%
- Purchases / refinances
- 47.8% / 25.2%
- Conventional / FHA / VA
- 82.7% / 12.2% / 4.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 61.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Niagara County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Cornerstone Community Federal Credit Union | 411 | $4,813 | 3.990% |
| Rocket Mortgage, LLC | 382 | $5,675 | 6.750% |
| Manufacturers and Traders Trust Company | 348 | $4,867 | 5.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 310 | $7,811 | 6.499% |
| PREMIUM MORTGAGE CORPORATION | 291 | $4,185 | 6.624% |
| Citizens Bank, National Association | 247 | — | 8.400% |
| KeyBank National Association | 194 | $3,860 | 6.375% |
| Northwest Bank | 187 | $2,981 | 6.000% |
| CROSSCOUNTRY MORTGAGE, INC. | 116 | $6,733 | 6.750% |
| 1ST PRIORITY MORTGAGE, INC. | 109 | $4,580 | 6.625% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Niagara County — not a rule of thumb.
From 2,412 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers