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Give your business room to succeed, starting with the right space to house your operations. We’ll help you buy, build, renovate, and more.

Key Features

  • Low Rates
  • Flexible Terms
  • Local Decision-Making
  • Experienced Lenders
  • Competitively low interest rates for the purchase or construction of commercial properties
  • Several convenient real estate loan options
  • Funds available for several real estate initiatives, including:
    • Purchasing land or facilities
    • Expanding or renovating your existing space
    • Construction of new facilities
    • Commercial property development
    • And more
  • Experienced lenders with expert knowledge in the local real estate market
  • Fast decision-making and local processing
  • Professional service you can trust from Western New York lenders

Main Office – One Steuben Square, Hornell NY 14843

James M. Knapp
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 544201
Phone: (607) 324-9670 

Mark J. Young
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 423072
Phone: (607) 324-9524 

Clarence Office – 8503 Main Street, Williamsville, NY 14221

Anthony M. Lanza
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS #471110
Phone (716) 906-3319

ELMA REPRESENTATIVE OFFICE – 2701 Transit Rd. Suite 141, Elma, NY 14059

Ralph A. Agone
Vice President
Commercial Lender
Phone (585) 808-8122

Michael J. Cleary
Vice President
Commercial Lender
Phone (716) 870-3687

Geneseo Office – 11 Megan Drive, Geneseo, NY 14454

Craig W. Nobbs
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 685575
Phone: (585) 243-0380 

Jakob M. Rease
Commercial Lender
Consumer Lender
Phone: (585) 243-0380

Henrietta Office – 20 Wildbriar Road, Henrietta, NY 14623

Gregory J. Wood
Commercial Lender
Consumer Lender
NMLS # 1153823
Phone: (585) 359-0247 

Warsaw Office – 2490 North Main Street, P.O. Box 232, Warsaw, NY 14569

Hans R. Kunze
Commercial Lender
Consumer Lender
Phone: (585) 786-0261

Wellsville Office – 475 North Highland Drive, P.O. Box 664, Wellsville, NY 14895

 James M. Knapp
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 544201
Phone: (585) 596-2009

Melissa Mullen
Commercial Lender
Consumer Lender
Phone: (585) 596-2011