What people paid for mortgages in Niagara County, NY (2025)

Across 1,685 closed home-purchase loans in 2025, the median interest rate in Niagara was 6.5%, and the middle half of borrowers got between 6.25% and 6.75%. Median total loan costs ran $5,278 on a median loan of $215,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.25%–6.75%
Median total loan costs: $5,278
Median loan amount: $215,000

1,685 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.875%–6.875%
Median total loan costs: $6,030
Median loan amount: $165,000

658 loans, 2025.

Lowest median rates in Niagara (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Manufacturers and Traders Trust Company6.375%146 loans, median costs $4,696
2.KeyBank National Association6.375%97 loans, median costs $4,294
3.Cornerstone Community Federal Credit Union6.375%44 loans, median costs $5,087
4.Northwest Bank6.375%44 loans, median costs $4,830
5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.494%238 loans, median costs $8,061

Among lenders with at least 30 closed purchase loans in Niagara County in 2025.

Refinance

1.Cornerstone Community Federal Credit Union3.99%38 loans, median costs $3,763
2.Manufacturers and Traders Trust Company5.995%46 loans, median costs $7,055
3.KeyBank National Association6.125%44 loans, median costs $3,203
4.Rocket Mortgage, LLC6.375%201 loans, median costs $6,635
5.Citizens Bank, National Association8.15%54 loans, median costs $4,765

Among lenders with at least 30 closed refinance loans in Niagara County in 2025.

Lender by lender in Niagara

Every lender that closed at least 5 qualifying loans in Niagara County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	PREMIUM MORTGAGE CORPORATION	272	6.5%	$4,184	$1,450	$1,090
2	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	238	6.494%	$8,061	$4,541	$1,200
3	Manufacturers and Traders Trust Company	146	6.375%	$4,696	$1,500	$575
4	1ST PRIORITY MORTGAGE, INC.	103	6.625%	$4,592	$1,865	$553
5	CROSSCOUNTRY MORTGAGE, INC.	97	6.75%	$6,670	$2,387	$1,443
6	KeyBank National Association	97	6.375%	$4,294	$1,473	$577
7	HUNT MORTGAGE CORPORATION	84	6.625%	$5,971	$3,241	$1,868
8	Rocket Mortgage, LLC	77	6.875%	$6,371	$3,148	$2,499
9	Cornerstone Community Federal Credit Union	44	6.375%	$5,087	$1,795	$1,094
10	Northwest Bank	44	6.375%	$4,830	$1,295	$610
11	Bank of America, National Association	29	6.49%	$1,458	$809	$1,566
12	EVERETT FINANCIAL, INC.	25	6.75%	$8,296	$3,797	$2,441
13	Five Star Bank	23	6.375%	$3,848	$1,200	$26,999
14	Citizens Bank, National Association	23	6.5%	$5,311	$1,728	$1,067
15	TRIAD FINANCIAL SERVICES, INC.	22	8.93%	n/a	n/a	n/a
16	HOMESTEAD FUNDING CORP.	21	6.375%	$3,866	$995	$900
17	MOVEMENT MORTGAGE, LLC	19	6.625%	$5,420	$2,096	$1,249
18	Mortgage Research Center, LLC	19	6.5%	$5,053	$881	$1,334
19	21st Mortgage Corporation	18	10.03%	$7,083	$4,500	n/a
20	PLAZA HOME MORTGAGE, INC.broker only	16	6.5%	$6,844	$1,583	$1,574
21	Navy Federal Credit Union	14	6.125%	$5,907	$0	$530
22	AMERICAN FINANCIAL NETWORK, INC.	12	6.25%	$9,706	$3,634	n/a
23	PENNYMAC LOAN SERVICES, LLC	12	6.75%	$11,076	$5,663	$1,093
24	NBT Bank, National Association	11	6.5%	$5,225	$1,668	$1,500
25	CREDIT HUMAN FEDERAL CREDIT UNION	11	8.4%	n/a	n/a	n/a
26	NVR Mortgage Finance, Inc.	10	6.438%	$7,843	$6,050	$4,627
27	Alden State Bank	8	n/a	n/a	n/a	n/a
28	Evans Bank, National Association	8	6.375%	$5,549	$2,494	$635
29	SEFCU SERVICES, LLC	8	6.375%	$3,571	$790	$377
30	Tompkins Community Bank	7	6.5%	$3,706	$845	n/a
31	PRIMELENDING, A PLAINSCAPITAL COMPANY	7	7.125%	$4,548	$2,027	$913
32	ONTARIO SHORES	7	6.625%	$2,543	$600	n/a
33	CMG MORTGAGE, INC.	7	6%	$9,704	$2,376	$3,301
34	NIAGARA'S CHOICE FEDERAL CREDIT UNION	6	6.5%	$4,148	$840	n/a
35	JPMorgan Chase Bank, National Association	6	6.433%	$5,460	$2,615	$2,072
36	USAA Federal Savings Bank	6	6.688%	$4,303	$1,375	$875
37	FIRST CREDIT CORPORATION OF NEW YORK, INC.	5	7.99%	$1,857	$1,307	n/a
38	THE SUMMIT Federal Credit Union	5	6.5%	$2,743	$675	n/a
39	U.S. Bank National Association	5	6.125%	$4,519	$1,245	$99
40	Barrington Bank & Trust Company, National Association	5	6.625%	$5,382	$1,515	$772

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Niagara figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Niagara County in 2025?

The median interest rate on closed home-purchase loans in Niagara County, New York in 2025 was 6.5%, across 1,685 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.75%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.