New York · HMDA 2025
Mortgage lenders in Orleans County, NY
102 lenders reported 1,274 home-loan applications in Orleans County in 2025. 718 closed as loans ($100.4M), 255 were denied — a 25.4% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 32% of applications, led by ESL Federal Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,274
- Loans originated
- 718
- Purchase / refinance
- 305 / 160
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Orleans County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ESL Federal Credit Union 90 out of 100, Very strong | 209 | 16.4% | 19.4% |
| 2 | PREMIUM MORTGAGE CORPORATION | 100 | 7.8% | — |
| 3 | Rocket Mortgage, LLC | 99 | 7.8% | — |
| 4 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 86 | 6.8% | 32.9% |
| 5 | ONTARIO SHORES | 69 | 5.4% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 49 | 3.8% | — |
| 7 | KeyBank National Association 63 out of 100, Moderate | 43 | 3.4% | 32.8% |
| 8 | Citizens Bank, National Association 54 out of 100, Below average | 32 | 2.5% | 32.5% |
| 9 | Cornerstone Community Federal Credit Union 44 out of 100, Below average | 32 | 2.5% | 13.9% |
| 10 | Tompkins Community Bank 60 out of 100, Moderate | 28 | 2.2% | 19.9% |
| 11 | The Canandaigua National Bank and Trust Company 60 out of 100, Moderate | 27 | 2.1% | 13.4% |
| 12 | TAMMAC HOLDINGS CORPORATION | 26 | 2.0% | — |
| 13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 22 | 1.7% | — |
| 14 | HOME TOWN FUNDING, INC. | 22 | 1.7% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 1.6% | — |
| 16 | NEWREZ LLC | 19 | 1.5% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 19 | 1.5% | 14.1% |
| 18 | Five Star Bank 66 out of 100, Moderate | 19 | 1.5% | 12.7% |
| 19 | Genesee Regional Bank 72 out of 100, Strong | 19 | 1.5% | 5.7% |
| 20 | 21st Mortgage Corporation | 16 | 1.3% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 16 | 1.3% | — |
| 22 | AMERICAN HERITAGE LENDING, LLC | 16 | 1.3% | — |
| 23 | THE SUMMIT Federal Credit Union | 14 | 1.1% | — |
| 24 | Mortgage Research Center, LLC | 13 | 1.0% | — |
| 25 | Loandepot.Com, LLC | 12 | 0.9% | — |
| 26 | PLANET HOME LENDING, LLC | 12 | 0.9% | — |
| 27 | 1ST PRIORITY MORTGAGE, INC. | 11 | 0.9% | — |
| 28 | PHH Mortgage Corporation | 11 | 0.9% | — |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 0.7% | 32.9% |
| 30 | Bank of America, National Association 59 out of 100, Moderate | 9 | 0.7% | 44.7% |
| 31 | RELIANT COMMUNITY FEDERAL CREDIT UNION 69 out of 100, Moderate | 9 | 0.7% | 23.9% |
| 32 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.6% | — |
| 33 | Advantage Federal Credit Union 64 out of 100, Moderate | 8 | 0.6% | 39.9% |
| 34 | Farm Credit East, ACA | 8 | 0.6% | — |
| 35 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.5% | 22.2% |
| 36 | Community Bank, National Association 62 out of 100, Moderate | 7 | 0.5% | 18.9% |
| 37 | Discover Bank | 6 | 0.5% | — |
| 38 | HUNT MORTGAGE CORPORATION | 6 | 0.5% | — |
| 39 | FAMILY FIRST OF NY | 6 | 0.5% | — |
| 40 | Northwest Bank 66 out of 100, Moderate | 6 | 0.5% | 20.6% |
Top 40 of 102 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