Mortgage lenders in Genesee County
927 mortgages were made in Genesee County, New York, in 2025, by 118 lenders. The median rate their borrowers got was 6.625% on a median loan of $135,000. Of 1,268 decisions, 298 were denials — 23.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ESL Federal Credit Union | 182 | 4.500% | $65,000 | 23.7% |
| PREMIUM MORTGAGE CORPORATION | 100 | 6.500% | $185,000 | 3.9% |
| Rocket Mortgage, LLC | 72 | 6.990% | $140,000 | 21.0% |
| Manufacturers and Traders Trust Company | 71 | 5.990% | $105,000 | 26.7% |
| Tompkins Community Bank | 69 | 3.250% | $145,000 | 21.3% |
| KeyBank National Association | 27 | 6.375% | $155,000 | 35.7% |
| Five Star Bank | 25 | 7.875% | $85,000 | 24.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 25 | 6.750% | $155,000 | 6.9% |
| Genesee Regional Bank | 25 | 6.875% | $195,000 | 7.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 24 | 6.562% | $190,000 | 10.7% |
| 1ST PRIORITY MORTGAGE, INC. | 23 | 6.500% | $195,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | 6.740% | $215,000 | 4.6% |
| Alden State Bank | 18 | Not published | $110,000 | 5.0% |
| FAMILY FIRST OF NY | 17 | 6.990% | $85,000 | 0.0% |
| Citizens Bank, National Association | 13 | 8.900% | $85,000 | 27.8% |
| Bank of America, National Association | 11 | 6.500% | $75,000 | 47.8% |
| HOME TOWN FUNDING, INC. | 11 | 6.625% | $175,000 | 8.3% |
| CNB Bank | 10 | 6.750% | $180,000 | 23.1% |
| Fairway Independent Mortgage Corporation | 10 | 6.750% | $160,000 | 0.0% |
| Community Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 64.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The Canandaigua National Bank and Trust Company | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| HUNT MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMESTEAD FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE SUMMIT Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 58.3% |
| PENNYMAC LOAN SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NBT Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Advantage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Broadview Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Northwest Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Moog Employees Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 63.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 75.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone Community Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ONTARIO SHORES | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pittsford Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 87.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Holland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Shore Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evans Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St Joseph's Parish Buffalo Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Old Second National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ballston Spa National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Valley | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 2549005Z23HAAZ6QDM98 | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| KINECTA | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUFFOLK | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Visions Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Truliant Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| CFCU COMMUNITY Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PlainsCapital Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Genesee County
13 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Tompkins Community Bank | 4 | $417.5 million |
| Five Star Bank | 2 | $250.7 million |
| Manufacturers and Traders Trust Company | 2 | $208.1 million |
| KeyBank National Association | 2 | $129.0 million |
| Bank of America, National Association | 1 | $195.8 million |
| Wilmington Trust, National Association | 1 | $4.9 million |
| Woodforest National Bank | 1 | $3.5 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.