New York · HMDA 2025
Mortgage lenders in Livingston County, NY
106 lenders reported 1,773 home-loan applications in Livingston County in 2025. 1,096 closed as loans ($184.2M), 264 were denied — a 18.9% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 32% of applications, led by ESL Federal Credit Union. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,773
- Loans originated
- 1,096
- Purchase / refinance
- 428 / 255
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Livingston County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ESL Federal Credit Union 90 out of 100, Very strong | 327 | 18.4% | 19.4% |
| 2 | PREMIUM MORTGAGE CORPORATION | 136 | 7.7% | — |
| 3 | Community Bank, National Association 62 out of 100, Moderate | 113 | 6.4% | 18.9% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 83 | 4.7% | — |
| 5 | Rocket Mortgage, LLC | 79 | 4.5% | — |
| 6 | Citizens Bank, National Association 54 out of 100, Below average | 68 | 3.8% | 32.5% |
| 7 | Tompkins Community Bank 60 out of 100, Moderate | 67 | 3.8% | 19.9% |
| 8 | The Canandaigua National Bank and Trust Company 60 out of 100, Moderate | 60 | 3.4% | 13.4% |
| 9 | Genesee Valley | 56 | 3.2% | — |
| 10 | Genesee Regional Bank 72 out of 100, Strong | 53 | 3.0% | 5.7% |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 50 | 2.8% | — |
| 12 | Five Star Bank 66 out of 100, Moderate | 49 | 2.8% | 12.7% |
| 13 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 48 | 2.7% | 32.9% |
| 14 | HOME TOWN FUNDING, INC. | 37 | 2.1% | — |
| 15 | 21st Mortgage Corporation | 31 | 1.7% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 30 | 1.7% | 14.1% |
| 17 | THE SUMMIT Federal Credit Union | 26 | 1.5% | — |
| 18 | KeyBank National Association 63 out of 100, Moderate | 22 | 1.2% | 32.8% |
| 19 | NEWREZ LLC | 21 | 1.2% | — |
| 20 | 1ST PRIORITY MORTGAGE, INC. | 21 | 1.2% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 20 | 1.1% | — |
| 22 | Pittsford Federal Credit Union 74 out of 100, Strong | 20 | 1.1% | 4.5% |
| 23 | TAMMAC HOLDINGS CORPORATION | 18 | 1.0% | — |
| 24 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 0.8% | 32.9% |
| 25 | FAMILY FIRST OF NY | 14 | 0.8% | — |
| 26 | Loandepot.Com, LLC | 13 | 0.7% | — |
| 27 | UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 0.7% | — |
| 28 | TRIAD FINANCIAL SERVICES, INC. | 12 | 0.7% | — |
| 29 | FREEDOM MORTGAGE CORPORATION | 12 | 0.7% | — |
| 30 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 12 | 0.7% | 74.7% |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 11 | 0.6% | 44.7% |
| 32 | Advantage Federal Credit Union 64 out of 100, Moderate | 10 | 0.6% | 39.9% |
| 33 | PLANET HOME LENDING, LLC | 10 | 0.6% | — |
| 34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 0.6% | — |
| 35 | Fairway Independent Mortgage Corporation | 9 | 0.5% | — |
| 36 | Mortgage Research Center, LLC | 9 | 0.5% | — |
| 37 | The Lyons National Bank 63 out of 100, Moderate | 9 | 0.5% | 7.6% |
| 38 | USAA Federal Savings Bank 64 out of 100, Moderate | 9 | 0.5% | 37.2% |
| 39 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.5% | — |
| 40 | SERVU FEDERAL CREDIT UNION 86 out of 100, Very strong | 8 | 0.5% | 12.8% |
Top 40 of 106 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