TellerScore

New York · HMDA 2025

Mortgage lenders in Ontario County, NY

160 lenders reported 3,910 home-loan applications in Ontario County in 2025. 2,413 closed as loans ($587.2M), 524 were denied — a 17.1% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 27% of applications, led by ESL Federal Credit Union. 19 lenders in the list are banks or credit unions with a TellerScore profile.

Applications
3,910
Loans originated
2,413
Purchase / refinance
1,046 / 552
30-yr rate (national)
7.40%week of Oct 15, 2026

Lenders ranked by applications in Ontario County

#LenderApplications hereShareNationwide denial rate
1ESL Federal Credit Union 90 out of 100, Very strong47712.2%19.4%
2The Canandaigua National Bank and Trust Company 60 out of 100, Moderate3118.0%13.4%
3The Lyons National Bank 63 out of 100, Moderate2646.8%7.6%
4PREMIUM MORTGAGE CORPORATION2386.1%—
5RELIANT COMMUNITY FEDERAL CREDIT UNION 69 out of 100, Moderate1884.8%23.9%
6Rocket Mortgage, LLC1744.5%—
7Citizens Bank, National Association 54 out of 100, Below average1724.4%32.5%
8HOME TOWN FUNDING, INC.1644.2%—
9Community Bank, National Association 62 out of 100, Moderate1363.5%18.9%
10Genesee Regional Bank 72 out of 100, Strong1072.7%5.7%
11PENNYMAC LOAN SERVICES, LLC1012.6%—
12JPMorgan Chase Bank, National Association 61 out of 100, Moderate982.5%14.1%
13TRIAD FINANCIAL SERVICES, INC.912.3%—
14PRIMELENDING, A PLAINSCAPITAL COMPANY761.9%—
15Five Star Bank 66 out of 100, Moderate681.7%12.7%
16NEWREZ LLC641.6%—
17Manufacturers and Traders Trust Company 57 out of 100, Moderate621.6%32.9%
1821st Mortgage Corporation601.5%—
19CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average561.4%74.7%
20Pittsford Federal Credit Union 74 out of 100, Strong541.4%4.5%
21NVR Mortgage Finance, Inc.471.2%—
22FINGER LAKES FEDERAL CREDIT UNION 96 out of 100, Very strong451.2%19.3%
23CROSSCOUNTRY MORTGAGE, INC.421.1%—
24Discover Bank381.0%—
25THE SUMMIT Federal Credit Union370.9%—
261ST PRIORITY MORTGAGE, INC.320.8%—
27Navy Federal Credit Union 66 out of 100, Moderate260.7%32.9%
28Empower Federal Credit Union 59 out of 100, Moderate260.7%17.2%
29UNITED SHORE FINANCIAL SERVICES, LLC240.6%—
30FAMILY FIRST OF NY240.6%—
31Bank of America, National Association 59 out of 100, Moderate220.6%44.7%
32Advantage Federal Credit Union 64 out of 100, Moderate210.5%39.9%
33TAMMAC HOLDINGS CORPORATION210.5%—
34NATIONSTAR MORTGAGE LLC210.5%—
35AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC200.5%—
36Mortgage Research Center, LLC190.5%—
37Fairway Independent Mortgage Corporation180.5%—
38KeyBank National Association 63 out of 100, Moderate180.5%32.8%
39PLANET HOME LENDING, LLC170.4%—
40Wayne Bank 53 out of 100, Below average160.4%25.8%

Top 40 of 160 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.

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