Mortgage lenders in Orleans County
718 mortgages were made in Orleans County, New York, in 2025, by 103 lenders. The median rate their borrowers got was 6.625% on a median loan of $120,000. Of 1,005 decisions, 255 were denials — 25.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ESL Federal Credit Union | 138 | 4.500% | $75,000 | 25.8% |
| PREMIUM MORTGAGE CORPORATION | 84 | 6.562% | $185,000 | 4.4% |
| Rocket Mortgage, LLC | 55 | 6.875% | $145,000 | 33.7% |
| ONTARIO SHORES | 54 | 7.500% | $45,000 | 21.7% |
| Manufacturers and Traders Trust Company | 45 | 5.990% | $105,000 | 41.8% |
| KeyBank National Association | 21 | 6.625% | $105,000 | 40.0% |
| Cornerstone Community Federal Credit Union | 21 | 3.990% | $105,000 | 12.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 20 | 6.813% | $185,000 | 4.6% |
| Tompkins Community Bank | 19 | 5.750% | $105,000 | 20.0% |
| HOME TOWN FUNDING, INC. | 18 | 6.750% | $185,000 | 4.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 6.374% | $180,000 | 5.9% |
| Genesee Regional Bank | 15 | 6.625% | $185,000 | 0.0% |
| Five Star Bank | 14 | 8.438% | $95,000 | 6.3% |
| TAMMAC HOLDINGS CORPORATION | 12 | 9.375% | $100,000 | 42.3% |
| The Canandaigua National Bank and Trust Company | 11 | 8.000% | $75,000 | 21.4% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 8.000% | $105,000 | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 10 | 6.750% | $155,000 | 0.0% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 57.9% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Farm Credit East, ACA | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Community Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 50.0% |
| THE SUMMIT Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 58.3% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FAMILY FIRST OF NY | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Advantage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Northwest Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Lyons National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Evans Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genesee Valley | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Visions Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Generations Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alden State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMI Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pittsford Federal Credit Union | 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% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NIAGARA'S CHOICE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 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% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| 254900T8N4RLS6G3BF64 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SIRVA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| COMPEER FINANCIAL, FLCA | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 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 Orleans County
7 FDIC-insured branches from 4 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| KeyBank National Association | 3 | $172.4 million |
| Five Star Bank | 2 | $108.2 million |
| Tompkins Community Bank | 1 | $101.9 million |
| Manufacturers and Traders Trust Company | 1 | $38.2 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Generations Bank, 11182 Maple Ridge Rd, Medina
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When the next year’s lending figures are out for Orleans County, or a lender arrives or leaves.
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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.