New York · HMDA 2025
Mortgage lenders in Genesee County, NY
117 lenders reported 1,590 home-loan applications in Genesee County in 2025. 927 closed as loans ($152.3M), 298 were denied — a 23.5% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 32% of applications, led by ESL Federal Credit Union. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,590
- Loans originated
- 927
- Purchase / refinance
- 420 / 232
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Genesee County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ESL Federal Credit Union 90 out of 100, Very strong | 262 | 16.5% | 19.4% |
| 2 | PREMIUM MORTGAGE CORPORATION | 127 | 8.0% | — |
| 3 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 113 | 7.1% | 32.9% |
| 4 | Rocket Mortgage, LLC | 111 | 7.0% | — |
| 5 | Tompkins Community Bank 60 out of 100, Moderate | 90 | 5.7% | 19.9% |
| 6 | KeyBank National Association 63 out of 100, Moderate | 53 | 3.3% | 32.8% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 47 | 3.0% | — |
| 8 | 21st Mortgage Corporation | 42 | 2.6% | — |
| 9 | Citizens Bank, National Association 54 out of 100, Below average | 40 | 2.5% | 32.5% |
| 10 | Five Star Bank 66 out of 100, Moderate | 40 | 2.5% | 12.7% |
| 11 | Bank of America, National Association 59 out of 100, Moderate | 32 | 2.0% | 44.7% |
| 12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 30 | 1.9% | — |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 29 | 1.8% | — |
| 14 | Genesee Regional Bank 72 out of 100, Strong | 29 | 1.8% | 5.7% |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 26 | 1.6% | 14.1% |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 25 | 1.6% | — |
| 17 | 1ST PRIORITY MORTGAGE, INC. | 24 | 1.5% | — |
| 18 | NEWREZ LLC | 21 | 1.3% | — |
| 19 | Alden State Bank 66 out of 100, Moderate | 21 | 1.3% | 9.9% |
| 20 | NATIONSTAR MORTGAGE LLC | 21 | 1.3% | — |
| 21 | The Canandaigua National Bank and Trust Company 60 out of 100, Moderate | 19 | 1.2% | 13.4% |
| 22 | FAMILY FIRST OF NY | 17 | 1.1% | — |
| 23 | CNB Bank 65 out of 100, Moderate | 15 | 0.9% | 10.4% |
| 24 | THE SUMMIT Federal Credit Union | 14 | 0.9% | — |
| 25 | Fairway Independent Mortgage Corporation | 12 | 0.8% | — |
| 26 | Community Bank, National Association 62 out of 100, Moderate | 12 | 0.8% | 18.9% |
| 27 | HOME TOWN FUNDING, INC. | 12 | 0.8% | — |
| 28 | Discover Bank | 11 | 0.7% | — |
| 29 | Mortgage Research Center, LLC | 11 | 0.7% | — |
| 30 | TAMMAC HOLDINGS CORPORATION | 11 | 0.7% | — |
| 31 | CARRINGTON MORTGAGE SERVICES, LLC | 11 | 0.7% | — |
| 32 | PHH Mortgage Corporation | 11 | 0.7% | — |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 10 | 0.6% | 32.9% |
| 34 | HUNT MORTGAGE CORPORATION | 9 | 0.6% | — |
| 35 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 9 | 0.6% | 74.7% |
| 36 | Loandepot.Com, LLC | 8 | 0.5% | — |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 8 | 0.5% | — |
| 38 | PLAZA HOME MORTGAGE, INC. | 8 | 0.5% | — |
| 39 | HOMESTEAD FUNDING CORP. | 8 | 0.5% | — |
| 40 | Advantage Federal Credit Union 64 out of 100, Moderate | 7 | 0.4% | 39.9% |
Top 40 of 117 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps