New York · HMDA 2025
Mortgage lenders in Monroe County, NY
257 lenders reported 26,027 home-loan applications in Monroe County in 2025. 15,921 closed as loans ($3.4B), 3,710 were denied — a 18.3% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 37% of applications, led by ESL Federal Credit Union. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 26,027
- Loans originated
- 15,921
- Purchase / refinance
- 6,972 / 3,652
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Monroe County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ESL Federal Credit Union 90 out of 100, Very strong | 5,834 | 22.4% | 19.4% |
| 2 | PREMIUM MORTGAGE CORPORATION | 2,094 | 8.0% | — |
| 3 | Citizens Bank, National Association 54 out of 100, Below average | 1,784 | 6.9% | 32.5% |
| 4 | Genesee Regional Bank 72 out of 100, Strong | 1,264 | 4.9% | 5.7% |
| 5 | The Canandaigua National Bank and Trust Company 60 out of 100, Moderate | 989 | 3.8% | 13.4% |
| 6 | Rocket Mortgage, LLC | 951 | 3.7% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 893 | 3.4% | — |
| 8 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 881 | 3.4% | 32.9% |
| 9 | THE SUMMIT Federal Credit Union | 874 | 3.4% | — |
| 10 | HOME TOWN FUNDING, INC. | 723 | 2.8% | — |
| 11 | Advantage Federal Credit Union 64 out of 100, Moderate | 704 | 2.7% | 39.9% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 661 | 2.5% | 14.1% |
| 13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 524 | 2.0% | — |
| 14 | NEWREZ LLC | 426 | 1.6% | — |
| 15 | FAMILY FIRST OF NY | 386 | 1.5% | — |
| 16 | Bank of America, National Association 59 out of 100, Moderate | 378 | 1.5% | 44.7% |
| 17 | KeyBank National Association 63 out of 100, Moderate | 342 | 1.3% | 32.8% |
| 18 | Pittsford Federal Credit Union 74 out of 100, Strong | 322 | 1.2% | 4.5% |
| 19 | RELIANT COMMUNITY FEDERAL CREDIT UNION 69 out of 100, Moderate | 313 | 1.2% | 23.9% |
| 20 | The Lyons National Bank 63 out of 100, Moderate | 292 | 1.1% | 7.6% |
| 21 | 1ST PRIORITY MORTGAGE, INC. | 277 | 1.1% | — |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 253 | 1.0% | — |
| 23 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 213 | 0.8% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 202 | 0.8% | — |
| 25 | UNITED SHORE FINANCIAL SERVICES, LLC | 198 | 0.8% | — |
| 26 | Community Bank, National Association 62 out of 100, Moderate | 192 | 0.7% | 18.9% |
| 27 | Fairway Independent Mortgage Corporation | 190 | 0.7% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 183 | 0.7% | 32.9% |
| 29 | Discover Bank | 158 | 0.6% | — |
| 30 | Five Star Bank 66 out of 100, Moderate | 151 | 0.6% | 12.7% |
| 31 | KINECTA | 137 | 0.5% | — |
| 32 | AMERICAN HERITAGE LENDING, LLC | 135 | 0.5% | — |
| 33 | Loandepot.Com, LLC | 125 | 0.5% | — |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 90 | 0.3% | 22.2% |
| 35 | Citibank, National Association 60 out of 100, Moderate | 86 | 0.3% | 24.0% |
| 36 | PLANET HOME LENDING, LLC | 82 | 0.3% | — |
| 37 | PLAZA HOME MORTGAGE, INC. | 82 | 0.3% | — |
| 38 | PHH Mortgage Corporation | 80 | 0.3% | — |
| 39 | CMG MORTGAGE, INC. | 76 | 0.3% | — |
| 40 | Tompkins Community Bank 60 out of 100, Moderate | 76 | 0.3% | 19.9% |
Top 40 of 257 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
- 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
- Rockland County 9,168 apps