Genesee County, NY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,520 mortgage applications in Genesee County, NY totaling $221.4 million, down 27% from 2022. The average application was for $145,000, and applicants reported an average income of $92,000. 60% of applications resulted in an originated loan and 17% were denied. The most active lender was ESL Federal Credit Union, with 263 applications, followed by M&T Bank and Premium Mortgage Corporation.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,520
Total Mortgage Loan Application Amount $221,410,000
Average Mortgage Loan Application Amount $145,000
Highest Mortgage Loan Application Amount $9,585,000
Average Applicant Income $92,000
Highest Applicant Income $2,156,000

Mortgage Company List for Lending in Genesee County, NY for 2023

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 9,158,466,000 263 $ 17,745,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 132 $ 13,960,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ -1,000 119 $ 21,325,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 7,630,619,000 91 $ 14,955,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 5,756,441,000 87 $ 12,655,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 45 $ 4,865,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 44 $ 3,260,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 43 $ 2,845,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 37 $ 6,435,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 33 $ 4,915,000
Alden State Bank
13216 BROADWAY
ALDEN, NY 14004
* $ 432,448,000 28 $ 2,570,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 27 $ 5,405,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 26 $ 4,390,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 24 $ 3,440,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 22 $ 3,570,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ 4,739,658,000 21 $ 8,555,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 19 $ 2,085,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 18 $ 3,610,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ 1,116,398,000 17 $ 2,885,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ -1,000 16 $ 3,010,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 15 $ 2,545,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 14 $ 2,100,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 11 $ 1,765,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 11 $ 1,895,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 10 $ 370,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,213,677,000 10 $ 1,830,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ -1,000 10 $ 1,980,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 10 $ 1,770,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 9 $ 1,685,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 9 $ 465,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 9 $ 1,965,000
Advantage Federal Credit Union
1975 BUFFALO RD.
ROCHESTER, NY 14624
* $ 477,259,000 9 $ 845,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ -1,000 8 $ 2,290,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 8 $ 1,130,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ 1,295,200,000 8 $ 710,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 15,614,778,000 8 $ 1,210,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 7 $ 1,445,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 7 $ 585,000
Ontario Shores FCU
2890 TRANSIT RD, PO BOX 9
NEWFANE, NY 14108
* $ 145,360,000 7 $ 465,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 5,453,779,000 7 $ 925,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 855,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 7 $ 575,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 6 $ 770,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 5 $ 775,000
Lake Shore Bank
31 E FOURTH STREET
DUNKIRK, NY 14048
* $ 699,568,000 5 $ 1,095,000
Family First of Ny FCU
2520 BROWNCROFT BLVD
ROCHESTER, NY 14625
* $ 307,327,000 5 $ 605,000
Reliant Community FCU
10 BENTON PLACE
SODUS, NY 14551
* $ 649,833,000 5 $ 315,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 535,000
Evans Bank NA
6460 MAIN STREET
BUFFALO, NY 14221
* $ 2,163,105,000 5 $ 675,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 4 $ 900,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 4 $ 1,010,000
Cornerstone Community FCU
6485 S. TRANSIT ROAD
LOCKPORT, NY 14094
* $ 570,452,000 4 $ 390,000
Western Division Federal Credit Union
6750 MAIN ST
WILLIAMSVILLE, NY 14221
* $ 180,774,000 4 $ 400,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 4 $ 5,570,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 3,193,673,000 4 $ 600,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 655,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 635,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 3 $ 575,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 3 $ 75,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 3 $ 105,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 465,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 3 $ 395,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 2 $ 260,000
Brighton Bank
7663 HIGHWAY 51 S
BRIGHTON, TN 38011
* $ 52,952,000 2 $ 400,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 190,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 390,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 2 $ 470,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 2 $ 400,000
Genesee Valley Federal Credit
4621 MILLENNIUM DRIVE
GENESEO, NY 14454
* $ 142,492,000 2 $ 300,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 250,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,247,746,000 2 $ 150,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ 7,999,108,000 2 $ 60,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 2 $ 380,000
Moog Employees FCU
7181 SENECA STREET
EAST AURORA, NY 14052
* $ 234,564,000 2 $ 410,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 2 $ 230,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 94,527,000 1 $ 105,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 11,659,908,000 1 $ 85,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 1 $ 165,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 1 $ 425,000
National Cooperative Bank, N.A.
139 SOUTH HIGH STREET
HILLSBORO, OH 45133
* $ 3,170,695,000 1 $ 105,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 1,817,155,000 1 $ 105,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 175,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 95,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,517,837,000 1 $ 105,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 55,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 145,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 1 $ 35,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ -1,000 1 $ 155,000
The Upstate National Bank
150 STATE ST
OGDENSBURG, NY 14614
* $ 308,456,000 1 $ 145,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 265,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 632,992,000 1 $ 35,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,112,771,000 1 $ 25,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 455,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 135,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 105,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 175,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,753,561,000 1 $ 395,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 385,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 215,000
Bank of Holland
12 SOUTH MAIN ST.
HOLLAND, NY 14080
* $ 205,591,000 1 $ 225,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 25,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ -1,000 1 $ 115,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 135,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
Grandbridge Real Estate Capital LLC
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ -1,000 1 $ 4,405,000
M&T Realty Capital Corporation

BUFFALO, NY 14203
* $ -1,000 1 $ 9,585,000

The tables below break down 2023 mortgage applications in Genesee County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Genesee County, NY in 2023

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 681 $142,695,000 $209,000 $9,585,000 $92,000 $2,156,000
Home Improvement 286 $18,770,000 $65,000 $485,000 $99,000 $442,000
Other Purpose 244 $17,120,000 $70,000 $405,000 $91,000 $494,000
Refinancing 165 $21,295,000 $129,000 $4,505,000 $89,000 $630,000
Cash-out Refinancing 138 $21,050,000 $152,000 $345,000 $80,000 $308,000
Not Applicable 6 $480,000 $80,000 $165,000 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,193 $143,445,000 $120,000 $765,000 $94,000 $2,156,000
Not applicable 153 $56,145,000 $366,000 $9,585,000 $88,000 $169,000
Not Provided 109 $13,335,000 $122,000 $345,000 $86,000 $625,000
Hispanic 30 $3,930,000 $131,000 $335,000 $61,000 $125,000
American Indian or Alaskan Native 14 $1,800,000 $128,000 $245,000 $75,000 $150,000
Black or African American 11 $1,465,000 $133,000 $275,000 $78,000 $180,000
Asian 7 $975,000 $139,000 $225,000 $76,000 $106,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,255 $175,125,000 $139,000 $9,585,000 $95,000 $2,156,000
FHA-insured (Federal Housing Administration) 189 $29,405,000 $155,000 $375,000 $73,000 $228,000
VA-guaranteed (Veterans Administration) 59 $14,355,000 $243,000 $585,000 $87,000 $192,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $2,525,000 $148,000 $195,000 $65,000 $86,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 919 $140,125,000 $152,000 $9,585,000 $95,000 $630,000
Application Denied By Financial Institution 263 $25,305,000 $96,000 $485,000 $81,000 $2,156,000
Loan Purchased By The Institution 162 $27,840,000 $171,000 $585,000 $107,000 $295,000
Application Withdrawn By Applicant 95 $20,975,000 $220,000 $5,505,000 $88,000 $240,000
File Closed For Incompleteness 49 $4,365,000 $89,000 $405,000 $97,000 $625,000
Application Approved But Not Accepted 32 $2,800,000 $87,000 $185,000 $80,000 $161,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,226 $183,830,000 $149,000 $5,505,000 $95,000 $630,000
Debt-To-Income Ratio 113 $21,195,000 $187,000 $9,585,000 $66,000 $188,000
Credit History 94 $6,090,000 $64,000 $275,000 $72,000 $494,000
Collateral 46 $4,830,000 $105,000 $425,000 $140,000 $2,156,000
Credit Application Incomplete 17 $2,065,000 $121,000 $305,000 $70,000 $224,000
Other 11 $1,055,000 $95,000 $245,000 $93,000 $200,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,210,000 $201,000 $355,000 $90,000 $177,000
Unverifiable Information 4 $680,000 $170,000 $285,000 $74,000 $100,000
Employment History 3 $455,000 $151,000 $255,000 $43,000 $75,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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