New York · HMDA 2025
Mortgage lenders in Wayne County, NY
132 lenders reported 3,238 home-loan applications in Wayne County in 2025. 2,022 closed as loans ($350.6M), 537 were denied — a 20.4% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 35% of applications, led by ESL Federal Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,238
- Loans originated
- 2,022
- Purchase / refinance
- 802 / 476
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Wayne County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ESL Federal Credit Union 90 out of 100, Very strong | 447 | 13.8% | 19.4% |
| 2 | RELIANT COMMUNITY FEDERAL CREDIT UNION 69 out of 100, Moderate | 431 | 13.3% | 23.9% |
| 3 | The Lyons National Bank 63 out of 100, Moderate | 250 | 7.7% | 7.6% |
| 4 | PREMIUM MORTGAGE CORPORATION | 230 | 7.1% | — |
| 5 | Citizens Bank, National Association 54 out of 100, Below average | 188 | 5.8% | 32.5% |
| 6 | Rocket Mortgage, LLC | 153 | 4.7% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 98 | 3.0% | — |
| 8 | Community Bank, National Association 62 out of 100, Moderate | 91 | 2.8% | 18.9% |
| 9 | Genesee Regional Bank 72 out of 100, Strong | 87 | 2.7% | 5.7% |
| 10 | The Canandaigua National Bank and Trust Company 60 out of 100, Moderate | 84 | 2.6% | 13.4% |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 77 | 2.4% | — |
| 12 | HOME TOWN FUNDING, INC. | 65 | 2.0% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 64 | 2.0% | 14.1% |
| 14 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 60 | 1.9% | 32.9% |
| 15 | NEWREZ LLC | 55 | 1.7% | — |
| 16 | THE SUMMIT Federal Credit Union | 47 | 1.5% | — |
| 17 | Empower Federal Credit Union 59 out of 100, Moderate | 41 | 1.3% | 17.2% |
| 18 | FAMILY FIRST OF NY | 40 | 1.2% | — |
| 19 | TRIAD FINANCIAL SERVICES, INC. | 35 | 1.1% | — |
| 20 | Bank of America, National Association 59 out of 100, Moderate | 30 | 0.9% | 44.7% |
| 21 | Advantage Federal Credit Union 64 out of 100, Moderate | 30 | 0.9% | 39.9% |
| 22 | NATIONSTAR MORTGAGE LLC | 27 | 0.8% | — |
| 23 | 21st Mortgage Corporation | 26 | 0.8% | — |
| 24 | 1ST PRIORITY MORTGAGE, INC. | 26 | 0.8% | — |
| 25 | KINECTA | 24 | 0.7% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 22 | 0.7% | 32.9% |
| 27 | KeyBank National Association 63 out of 100, Moderate | 21 | 0.6% | 32.8% |
| 28 | Discover Bank | 20 | 0.6% | — |
| 29 | Fairway Independent Mortgage Corporation | 19 | 0.6% | — |
| 30 | Mortgage Research Center, LLC | 19 | 0.6% | — |
| 31 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 19 | 0.6% | 74.7% |
| 32 | PLAZA HOME MORTGAGE, INC. | 18 | 0.6% | — |
| 33 | Loandepot.Com, LLC | 17 | 0.5% | — |
| 34 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 0.5% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 16 | 0.5% | — |
| 36 | Citibank, National Association 60 out of 100, Moderate | 15 | 0.5% | 24.0% |
| 37 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 14 | 0.4% | — |
| 38 | AMERICU Credit Union 48 out of 100, Below average | 13 | 0.4% | 28.4% |
| 39 | PLANET HOME LENDING, LLC | 13 | 0.4% | — |
| 40 | PHH Mortgage Corporation | 13 | 0.4% | — |
Top 40 of 132 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