Applications / Mortgage Analytics / Lenders / New York / 1st Priority Mortgage
Williamsville, NY · Independent non-bank lender · CFPB · 1,778 loans in 2025
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1,778
loans originated, 2025
2,102
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st Priority Mortgage, a Williamsville, New York, home-purchase lender, grew three times as fast as similar lenders in 2025 and gained share in its upstate New York markets.
Its loans rose 18% in 2025, to 1,778, against 6% at similar lenders, independent non-bank lenders making between half and twice as many loans, and 10% for the whole market. Home purchases made up 96.8% of its loans and refinances only 2.5%, so the growth came from buyers.
In Buffalo-Cheektowaga its share rose 0.2 points, to 2.9%, and it ranked 10 of 267 in a market led by United Wholesale Mortgage and M&T Bank. Its share also rose 0.2 points in Rochester, to 1.7%, and in Kiryas Joel-Poughkeepsie-Newburgh, to 0.8%. In 2025 it entered three Florida markets, among them Tampa.
Conventional loans made up 85.0% of its lending, more than at four in five similar lenders. Its typical loan was $255,000, against $315,000 at peers, and it made almost no jumbo loans (larger than the conforming limit).
Low- and moderate-income (LMI) neighborhoods took 13.4% of its loans, against 19.1% at similar lenders, and majority-minority neighborhoods 7.6%, against 25.3%. One possible reason is where it lends: its strongest positions are in Buffalo and Rochester, not in the New York City area, where it ranked 151 of 802. Its share of LMI borrowers, 29.5%, was close to peers' 28.2%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 1st Priority Mortgage took 2,102 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 96.8% · Refinance 2.5% · Other 0.4% · Home improvement 0.2%
Conventional 85.0% · FHA 10.7% · VA 4.0% · USDA (RHS or FSA) 0.3% · of 1,778 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 1,691 | 95.1% |
| New Jersey | 61 | 3.4% |
| Connecticut | 12 | 0.7% |
| Pennsylvania | 8 | 0.4% |
| Florida | 6 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 517 |
| Rochester | 328 |
| New York-Jersey City-White Plains | 195 |
| Binghamton | 101 |
| Nassau County-Suffolk County | 93 |
| Kiryas Joel-Poughkeepsie-Newburgh | 90 |
| Syracuse | 68 |
| Albany-Schenectady-Troy | 50 |
| Ithaca | 44 |
| Kingston | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZGZ9WQMJLEPH17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3881518 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77776600008 | 1996–2017 |
Established 9 January 1986. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: 1st Priority Mortgage's data.
1st Priority Mortgage's data
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1st Priority Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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