Ontario County, NY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 3,910 mortgage applications in Ontario County, NY totaling $895.8 million, up 6% from 2024. The average application was for $229,000, and applicants reported an average income of $137,000. 62% of applications resulted in an originated loan and 13% were denied. The most active lender was ESL Federal Credit Union, with 477 applications, followed by Canandaigua National Bank & Trust and Lyons National Bank.
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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 | 3,910 |
| Total Mortgage Loan Application Amount | $895,750,000 |
| Average Mortgage Loan Application Amount | $229,000 |
| Highest Mortgage Loan Application Amount | $48,935,000 |
| Average Applicant Income | $137,000 |
| Highest Applicant Income | $3,666,000 |
* 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 |
* | $ n/a | 477 | $ 67,655,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 311 | $ 72,185,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ n/a | 264 | $ 50,150,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 238 | $ 72,840,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ n/a | 188 | $ 18,270,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 172 | $ 35,150,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 164 | $ 50,560,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 136 | $ 16,900,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ n/a | 107 | $ 30,075,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 101 | $ 28,005,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 98 | $ 22,060,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 91 | $ 6,365,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 76 | $ 18,880,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ n/a | 68 | $ 35,780,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 64 | $ 16,850,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 62 | $ 14,890,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 60 | $ 5,200,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 56 | $ 4,380,000 |
| Pittsford Federal Credit Union 20 TOBEY VILLAGE RD, PO BOX 346 PITTSFORD, NY 14534 |
* | $ n/a | 54 | $ 8,220,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ n/a | 47 | $ 13,825,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ n/a | 45 | $ 4,735,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 42 | $ 14,050,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 38 | $ 3,310,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ n/a | 37 | $ 3,855,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ n/a | 32 | $ 7,870,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 26 | $ 3,660,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 26 | $ 3,790,000 |
| Family First of Ny FCU 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ n/a | 24 | $ 3,750,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 24 | $ 6,240,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 22 | $ 6,110,000 |
| Advantage Federal Credit Union 1975 BUFFALO RD. ROCHESTER, NY 14624 |
* | $ n/a | 21 | $ 2,825,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 21 | $ 3,925,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 21 | $ 1,615,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 20 | $ 5,350,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 19 | $ 5,635,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 18 | $ 3,610,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 18 | $ 4,580,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 17 | $ 5,085,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ n/a | 16 | $ 4,050,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 15 | $ 3,565,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 14 | $ 4,100,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 14 | $ 3,460,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 13 | $ 3,195,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 13 | $ 1,885,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 12 | $ 2,390,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ n/a | 12 | $ 910,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ n/a | 11 | $ 2,255,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ n/a | 11 | $ 1,535,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 11 | $ 2,205,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 10 | $ 3,060,000 |
| Generations Bank 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ n/a | 10 | $ 2,970,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 10 | $ 1,470,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 9 | $ 2,315,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 8 | $ 2,660,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ n/a | 7 | $ 1,185,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 7 | $ 1,325,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 6 | $ 1,420,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 6 | $ 1,030,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 6 | $ 1,710,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ n/a | 6 | $ 720,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 6 | $ 1,100,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 6 | $ 1,440,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 5 | $ 2,695,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 5 | $ 1,535,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 5 | $ 585,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 5 | $ 845,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ n/a | 5 | $ 1,425,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 4 | $ 1,290,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 4 | $ 1,280,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 1,470,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ n/a | 4 | $ 200,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ n/a | 4 | $ 330,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 4 | $ 660,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ n/a | 4 | $ 300,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 4 | $ 550,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 1,140,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 4 | $ 140,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 4 | $ 1,610,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ n/a | 3 | $ 1,095,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ n/a | 3 | $ 355,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ n/a | 3 | $ 375,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 3 | $ 605,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 3 | $ 775,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 3 | $ 1,715,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ n/a | 3 | $ 595,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 3 | $ 825,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ n/a | 3 | $ 1,865,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 385,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 3 | $ 1,405,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 755,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ n/a | 3 | $ 9,225,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 3 | $ 1,935,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 2 | $ 420,000 |
| Sidney Federal Credit Union 42 UNION STREET SIDNEY, NY 13838 |
* | $ n/a | 2 | $ 410,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 2 | $ 680,000 |
| Fm Home Loans LLC 2329 NOSTRAND AVE, 3RD FLOOR BROOKLYN, NY 11210 |
* | $ n/a | 2 | $ 340,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 360,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 240,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 330,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 170,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 1,010,000 |
| Genesee Valley Federal Credit 4621 MILLENNIUM DRIVE GENESEO, NY 14454 |
* | $ n/a | 2 | $ 340,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ n/a | 2 | $ 220,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 510,000 |
| M&T Realty Capital Corporation BUFFALO, NY 14203 |
* | $ n/a | 2 | $ 8,940,000 |
| Emporium Tpo LLC FRISCO, TX 75034 |
* | $ n/a | 2 | $ 1,720,000 |
| Reliant Home Funding, Inc 445 BROADHOLLOW RD SUITE 334 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 505,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 1 | $ 115,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ n/a | 1 | $ 195,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 25,000 |
| The People's Credit Union 858 WEST MAIN ROAD MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 175,000 |
| Newpoint Real Estate Capital 5800 TENNYSON PARKWAY, SUITE 200 PLANO, TX 75024 |
* | $ n/a | 1 | $ 48,935,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 1 | $ 345,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 265,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 225,000 |
| Auburn Community Federal Credit Union 65 WRIGHT CIRCLE AUBURN, NY 13021 |
* | $ n/a | 1 | $ 45,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 1 | $ 805,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ n/a | 1 | $ 55,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ n/a | 1 | $ 105,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ n/a | 1 | $ 275,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 275,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 215,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 205,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ n/a | 1 | $ 265,000 |
| Rf Renovo Management Company, LLC 222 W ADAMS ST #1980 CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 95,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ n/a | 1 | $ 385,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ n/a | 1 | $ 145,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 595,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 1 | $ 125,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ n/a | 1 | $ 175,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ n/a | 1 | $ 265,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 255,000 |
| Goldman Sachs Bank USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ n/a | 1 | $ 4,425,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ n/a | 1 | $ 345,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 535,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ n/a | 1 | $ 295,000 |
| Congressional Federal Credit Union 10461 WHITE GRANITE DRIVE OAKTON, VA 22124 |
* | $ n/a | 1 | $ 225,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ n/a | 1 | $ 405,000 |
| Alden State Bank 13216 BROADWAY ALDEN, NY 14004 |
* | $ n/a | 1 | $ 3,765,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 315,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 65,000 |
| Abl Rpc Residential Credit Acquisition LLC 30 MONTGOMERY ST STE 150 JERSEY CITY, NJ 07302 |
* | $ n/a | 1 | $ 155,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 125,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 135,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 185,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 565,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ n/a | 1 | $ 375,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ n/a | 1 | $ 475,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ n/a | 1 | $ 45,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ n/a | 1 | $ 245,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 295,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 475,000 |
| Lument Real Estate Capital 10 W BROAD STREET, 8TH FLOOR COLUMBUS, OH 43215 |
* | $ n/a | 1 | $ 4,075,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 175,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 615,000 |
| Nextier Bank, National Association 245 PITTSBURGH RD KITTANNING, PA 16201 |
* | $ n/a | 1 | $ 8,005,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 275,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2025 mortgage applications in Ontario 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 Ontario County, NY in 2025
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 | 1,762 | $493,610,000 | $280,000 | $19,065,000 | $144,000 | $3,666,000 |
| Home Improvement | 602 | $60,370,000 | $100,000 | $1,305,000 | $132,000 | $1,300,000 |
| Other Purpose | 592 | $71,920,000 | $121,000 | $4,425,000 | $140,000 | $2,907,000 |
| Cash-out Refinancing | 515 | $112,295,000 | $218,000 | $2,505,000 | $120,000 | $587,000 |
| Refinancing | 436 | $157,170,000 | $360,000 | $48,935,000 | $132,000 | $1,148,000 |
| Not Applicable | 3 | $385,000 | $128,000 | $285,000 | $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 | 3,122 | $611,340,000 | $195,000 | $4,425,000 | $140,000 | $3,666,000 |
| Not applicable | 314 | $183,670,000 | $584,000 | $48,935,000 | $134,000 | $374,000 |
| Not Provided | 280 | $57,820,000 | $206,000 | $1,165,000 | $122,000 | $585,000 |
| Hispanic | 84 | $17,990,000 | $214,000 | $955,000 | $120,000 | $307,000 |
| Black or African American | 56 | $10,250,000 | $183,000 | $545,000 | $98,000 | $410,000 |
| Asian | 42 | $13,190,000 | $314,000 | $795,000 | $145,000 | $298,000 |
| American Indian or Alaskan Native | 10 | $1,270,000 | $127,000 | $335,000 | $86,000 | $222,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $220,000 | $110,000 | $185,000 | $75,000 | $79,000 |
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) | 3,496 | $779,530,000 | $222,000 | $48,935,000 | $139,000 | $3,666,000 |
| FHA-insured (Federal Housing Administration) | 253 | $63,505,000 | $251,000 | $4,075,000 | $109,000 | $406,000 |
| VA-guaranteed (Veterans Administration) | 152 | $50,940,000 | $335,000 | $805,000 | $120,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,775,000 | $197,000 | $265,000 | $90,000 | $100,000 |
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 | 2,413 | $587,165,000 | $243,000 | $48,935,000 | $146,000 | $3,329,000 |
| Application Denied By Financial Institution | 524 | $74,980,000 | $143,000 | $3,765,000 | $91,000 | $515,000 |
| Loan Purchased By The Institution | 443 | $119,775,000 | $270,000 | $1,805,000 | $148,000 | $864,000 |
| Application Withdrawn By Applicant | 264 | $67,290,000 | $254,000 | $3,005,000 | $149,000 | $3,666,000 |
| Application Approved But Not Accepted | 134 | $17,790,000 | $132,000 | $1,055,000 | $96,000 | $526,000 |
| File Closed For Incompleteness | 126 | $27,110,000 | $215,000 | $3,145,000 | $151,000 | $1,300,000 |
| Preapproval Approved but not Accepted | 5 | $1,475,000 | $295,000 | $465,000 | $119,000 | $193,000 |
| Preapproval Denied by Financial Institution | 1 | $165,000 | $165,000 | $165,000 | $50,000 | $50,000 |
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 | 3,308 | $801,000,000 | $242,000 | $48,935,000 | $145,000 | $3,666,000 |
| Debt-To-Income Ratio | 259 | $48,015,000 | $185,000 | $4,645,000 | $90,000 | $405,000 |
| Credit History | 168 | $17,460,000 | $103,000 | $725,000 | $88,000 | $329,000 |
| Collateral | 68 | $12,050,000 | $177,000 | $625,000 | $133,000 | $515,000 |
| Credit Application Incomplete | 38 | $7,070,000 | $186,000 | $725,000 | $100,000 | $368,000 |
| Other | 37 | $5,295,000 | $143,000 | $745,000 | $93,000 | $264,000 |
| Unverifiable Information | 17 | $2,455,000 | $144,000 | $315,000 | $106,000 | $245,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,585,000 | $176,000 | $235,000 | $119,000 | $447,000 |
| Employment History | 6 | $820,000 | $136,000 | $255,000 | $70,000 | $113,000 |
| 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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