Genesee Regional Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Genesee Regional Bank 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Genesee Regional Bank 1850 South Winton Road Rochester, NY 14618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 2,593 |
| Total Mortgage Loan Application Amount | $525,435,000 |
| Average Mortgage Loan Application Amount | $202,333 |
| Highest Mortgage Loan Application Amount | $1,645,000 |
| Average Applicant Income | $127,666 |
| Highest Applicant Income | $1,951,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Genesee Regional Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Genesee Regional Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Genesee Regional Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Genesee Regional Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Genesee Regional Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Genesee Regional Bank's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monroe County New York | 1,556 | $ 304,000,000 | $ 195,000 | $ 106,000 |
| Onondaga County New York | 293 | $ 53,095,000 | $ 181,000 | $ 88,000 |
| Ontario County New York | 169 | $ 44,175,000 | $ 261,000 | $ 139,000 |
| Wayne County New York | 91 | $ 16,745,000 | $ 184,000 | $ 89,000 |
| Livingston County New York | 50 | $ 9,550,000 | $ 191,000 | $ 102,000 |
| Cayuga County New York | 48 | $ 9,670,000 | $ 201,000 | $ 113,000 |
| St. Lawrence County New York | 46 | $ 7,070,000 | $ 153,000 | $ 79,000 |
| Oswego County New York | 45 | $ 7,315,000 | $ 162,000 | $ 83,000 |
| Jefferson County New York | 37 | $ 6,825,000 | $ 184,000 | $ 97,000 |
| Genesee County New York | 30 | $ 4,460,000 | $ 148,000 | $ 73,000 |
| Oneida County New York | 28 | $ 5,230,000 | $ 186,000 | $ 109,000 |
| Orleans County New York | 26 | $ 4,160,000 | $ 160,000 | $ 100,000 |
| Yates County New York | 26 | $ 9,980,000 | $ 383,000 | $ 289,000 |
| Madison County New York | 20 | $ 4,060,000 | $ 203,000 | $ 88,000 |
| Steuben County New York | 17 | $ 4,005,000 | $ 235,000 | $ 149,000 |
| Collier County Florida | 16 | $ 7,270,000 | $ 454,000 | $ 286,000 |
| Erie County New York | 13 | $ 3,485,000 | $ 268,000 | $ 188,000 |
| Lee County Florida | 8 | $ 1,760,000 | $ 220,000 | $ 236,000 |
| Seneca County New York | 7 | $ 2,645,000 | $ 377,000 | $ 192,000 |
| Allegany County New York | 5 | $ 615,000 | $ 123,000 | $ 199,000 |
| Herkimer County New York | 5 | $ 2,385,000 | $ 477,000 | $ 219,000 |
| Manatee County Florida | 4 | $ 1,660,000 | $ 415,000 | $ 167,000 |
| Niagara County New York | 4 | $ 770,000 | $ 192,000 | $ 85,000 |
| Palm Beach County Florida | 3 | $ 1,595,000 | $ 531,000 | $ 211,000 |
| Cattaraugus County New York | 3 | $ 885,000 | $ 295,000 | $ 446,000 |
| Lewis County New York | 3 | $ 475,000 | $ 158,000 | $ 85,000 |
| Wyoming County New York | 3 | $ 595,000 | $ 198,000 | $ 163,000 |
| Bay County Florida | 2 | $ 570,000 | $ 285,000 | $ 110,000 |
| Indian River County Florida | 2 | $ 290,000 | $ 145,000 | $ 68,000 |
| St. Lucie County Florida | 2 | $ 610,000 | $ 305,000 | $ 332,000 |
| Sumter County Florida | 2 | $ 630,000 | $ 315,000 | $ 137,000 |
| Volusia County Florida | 2 | $ 570,000 | $ 285,000 | $ 93,000 |
| Broome County New York | 2 | $ 380,000 | $ 190,000 | $ 100,000 |
| Cortland County New York | 2 | $ 230,000 | $ 115,000 | $ 50,000 |
| Westchester County New York | 2 | $ 1,430,000 | $ 715,000 | $ 314,000 |
| Broward County Florida | 1 | $ 545,000 | $ 545,000 | $ 227,000 |
| Charlotte County Florida | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Hillsborough County Florida | 1 | $ 165,000 | $ 165,000 | $ 230,000 |
| Martin County Florida | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Monroe County Florida | 1 | $ 715,000 | $ 715,000 | $ 780,000 |
| Orange County Florida | 1 | $ 495,000 | $ 495,000 | $ 900,000 |
| Osceola County Florida | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Polk County Florida | 1 | $ 195,000 | $ 195,000 | $ 150,000 |
| Sarasota County Florida | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Suwannee County Florida | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Albany County New York | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Chemung County New York | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Clinton County New York | 1 | $ 85,000 | $ 85,000 | $ 135,000 |
| Columbia County New York | 1 | $ 185,000 | $ 185,000 | $ 124,000 |
| Dutchess County New York | 1 | $ 425,000 | $ 425,000 | $ 184,000 |
| Essex County New York | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Otsego County New York | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Putnam County New York | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Rensselaer County New York | 1 | $ 415,000 | $ 415,000 | $ 120,000 |
| Tompkins County New York | 1 | $ 365,000 | $ 365,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Genesee Regional Bank in 2021
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 | 2,089 | $424,245,000 | $203,000 | $1,355,000 | $104,000 | $1,772,000 |
| Refinancing | 296 | $56,930,000 | $192,000 | $885,000 | $121,000 | $1,951,000 |
| Cash-out Refinancing | 208 | $44,260,000 | $212,000 | $1,645,000 | $158,000 | $1,300,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $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 | 1,930 | $400,590,000 | $207,000 | $1,645,000 | $114,000 | $1,951,000 |
| Not Provided | 334 | $67,130,000 | $200,000 | $905,000 | $109,000 | $682,000 |
| Black or African American | 134 | $21,450,000 | $160,000 | $645,000 | $71,000 | $540,000 |
| Hispanic | 114 | $19,240,000 | $168,000 | $905,000 | $97,000 | $791,000 |
| Asian | 73 | $15,315,000 | $209,000 | $525,000 | $125,000 | $576,000 |
| American Indian or Alaskan Native | 5 | $655,000 | $131,000 | $205,000 | $75,000 | $152,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $170,000 | $85,000 | $85,000 | $37,000 | $38,000 |
| Not applicable | 1 | $885,000 | $885,000 | $885,000 | $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) | 2,107 | $446,005,000 | $211,000 | $1,645,000 | $122,000 | $1,951,000 |
| FHA-insured (Federal Housing Administration) | 372 | $56,280,000 | $151,000 | $345,000 | $57,000 | $219,000 |
| VA-guaranteed (Veterans Administration) | 92 | $20,180,000 | $219,000 | $475,000 | $78,000 | $237,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,970,000 | $135,000 | $225,000 | $52,000 | $82,000 |
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 | 2,259 | $457,405,000 | $202,000 | $1,645,000 | $110,000 | $1,772,000 |
| Application Approved But Not Accepted | 141 | $29,775,000 | $211,000 | $625,000 | $124,000 | $1,951,000 |
| Application Withdrawn By Applicant | 116 | $24,900,000 | $214,000 | $905,000 | $125,000 | $1,406,000 |
| Application Denied By Financial Institution | 64 | $11,010,000 | $172,000 | $545,000 | $56,000 | $196,000 |
| File Closed For Incompleteness | 13 | $2,345,000 | $180,000 | $525,000 | $74,000 | $150,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,529 | $514,425,000 | $203,000 | $1,645,000 | $112,000 | $1,951,000 |
| Debt-To-Income Ratio | 26 | $3,800,000 | $146,000 | $285,000 | $33,000 | $77,000 |
| Other | 10 | $1,860,000 | $186,000 | $385,000 | $81,000 | $150,000 |
| Employment History | 8 | $1,400,000 | $175,000 | $355,000 | $57,000 | $165,000 |
| Credit History | 8 | $1,230,000 | $153,000 | $245,000 | $60,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,540,000 | $256,000 | $545,000 | $86,000 | $196,000 |
| Unverifiable Information | 3 | $815,000 | $271,000 | $505,000 | $83,000 | $192,000 |
| Collateral | 3 | $365,000 | $121,000 | $145,000 | $67,000 | $122,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Genesee Regional Bank's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Genesee Regional Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.