New York · HMDA 2025
Mortgage lenders in Yates County, NY
80 lenders reported 669 home-loan applications in Yates County in 2025. 416 closed as loans ($103.0M), 77 were denied — a 15.2% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 32% of applications, led by The Lyons National Bank. 22 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 669
- Loans originated
- 416
- Purchase / refinance
- 194 / 94
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Yates County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Lyons National Bank 63 out of 100, Moderate | 119 | 17.8% | 7.6% |
| 2 | HOME TOWN FUNDING, INC. | 50 | 7.5% | — |
| 3 | Community Bank, National Association 62 out of 100, Moderate | 46 | 6.9% | 18.9% |
| 4 | SERVU FEDERAL CREDIT UNION 86 out of 100, Very strong | 45 | 6.7% | 12.8% |
| 5 | The Canandaigua National Bank and Trust Company 60 out of 100, Moderate | 43 | 6.4% | 13.4% |
| 6 | Rocket Mortgage, LLC | 29 | 4.3% | — |
| 7 | ESL Federal Credit Union 90 out of 100, Very strong | 29 | 4.3% | 19.4% |
| 8 | Wayne Bank 53 out of 100, Below average | 29 | 4.3% | 25.8% |
| 9 | PREMIUM MORTGAGE CORPORATION | 21 | 3.1% | — |
| 10 | Five Star Bank 66 out of 100, Moderate | 20 | 3.0% | 12.7% |
| 11 | PENNYMAC LOAN SERVICES, LLC | 19 | 2.8% | — |
| 12 | RELIANT COMMUNITY FEDERAL CREDIT UNION 69 out of 100, Moderate | 17 | 2.5% | 23.9% |
| 13 | Genesee Regional Bank 72 out of 100, Strong | 15 | 2.2% | 5.7% |
| 14 | CORNING CREDIT UNION | 14 | 2.1% | — |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 1.9% | — |
| 16 | NEWREZ LLC | 12 | 1.8% | — |
| 17 | Farm Credit East, ACA | 12 | 1.8% | — |
| 18 | Citizens Bank, National Association 54 out of 100, Below average | 8 | 1.2% | 32.5% |
| 19 | Empower Federal Credit Union 59 out of 100, Moderate | 6 | 0.9% | 17.2% |
| 20 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 6 | 0.9% | 32.9% |
| 21 | 21st Mortgage Corporation | 5 | 0.7% | — |
| 22 | Mortgage Research Center, LLC | 5 | 0.7% | — |
| 23 | Bank of America, National Association 59 out of 100, Moderate | 5 | 0.7% | 44.7% |
| 24 | Visions Federal Credit Union 64 out of 100, Moderate | 5 | 0.7% | 32.6% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 0.6% | 32.9% |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.6% | 14.1% |
| 27 | Discover Bank | 4 | 0.6% | — |
| 28 | FINGER LAKES FEDERAL CREDIT UNION 96 out of 100, Very strong | 4 | 0.6% | 19.3% |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 0.4% | 22.2% |
| 30 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 0.4% | — |
| 31 | HUNT MORTGAGE CORPORATION | 3 | 0.4% | — |
| 32 | TAMMAC HOLDINGS CORPORATION | 3 | 0.4% | — |
| 33 | FIRST HERITAGE FEDERAL CREDIT UNION 72 out of 100, Strong | 3 | 0.4% | 24.0% |
| 34 | ROYAL UNITED MORTGAGE LLC | 3 | 0.4% | — |
| 35 | Citibank, National Association 60 out of 100, Moderate | 3 | 0.4% | 24.0% |
| 36 | PHH Mortgage Corporation | 3 | 0.4% | — |
| 37 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.3% | — |
| 38 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 0.3% | 39.5% |
| 39 | AMERICAN FINANCIAL NETWORK, INC. | 2 | 0.3% | — |
| 40 | NBT Bank, National Association 64 out of 100, Moderate | 2 | 0.3% | 23.4% |
Top 40 of 80 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
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- New York County 13,421 apps
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