Yates County, NY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 669 mortgage applications in Yates County, NY totaling $168.2 million, up 1% from 2024. The average application was for $251,000, and applicants reported an average income of $164,000. 62% of applications resulted in an originated loan and 12% were denied. The most active lender was Lyons National Bank, with 119 applications, followed by Hometown Funding, Inc. D/B/A Cnb Mortgage Company and Community Bank, N.A..
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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 | 669 |
| Total Mortgage Loan Application Amount | $168,155,000 |
| Average Mortgage Loan Application Amount | $251,000 |
| Highest Mortgage Loan Application Amount | $2,795,000 |
| Average Applicant Income | $164,000 |
| Highest Applicant Income | $2,681,000 |
* 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 |
|---|---|---|---|---|
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ n/a | 119 | $ 30,845,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 50 | $ 20,000,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 46 | $ 5,520,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ n/a | 45 | $ 4,905,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 43 | $ 17,975,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ n/a | 29 | $ 7,235,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ n/a | 29 | $ 7,095,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 21 | $ 5,125,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ n/a | 20 | $ 4,780,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 19 | $ 3,845,000 |
| Reliant Community FCU 10 BENTON PLACE SODUS, NY 14551 |
* | $ n/a | 17 | $ 1,305,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ n/a | 15 | $ 5,175,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ n/a | 14 | $ 2,810,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 13 | $ 3,325,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 12 | $ 2,770,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 12 | $ 3,880,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 8 | $ 1,640,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 6 | $ 980,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 6 | $ 400,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ n/a | 5 | $ 375,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 1,165,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 2,995,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 585,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 1,770,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 420,000 |
| Finger Lakes Federal Credit Union 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ n/a | 4 | $ 580,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 610,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 1,445,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ n/a | 3 | $ 1,475,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ n/a | 3 | $ 485,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 1,155,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 345,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 705,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 3 | $ 765,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 3 | $ 225,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 520,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 350,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 2,070,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 2 | $ 310,000 |
| Pittsford Federal Credit Union 20 TOBEY VILLAGE RD, PO BOX 346 PITTSFORD, NY 14534 |
* | $ n/a | 2 | $ 520,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 590,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 2 | $ 380,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 420,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 660,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 360,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 290,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ n/a | 2 | $ 200,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 465,000 |
| Flexpoint, Inc. 27433 TOURNEY ROAD, SUITE 150 COSTA MESA, CA 92626 |
* | $ n/a | 1 | $ 165,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 205,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 55,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ n/a | 1 | $ 245,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ n/a | 1 | $ 395,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 155,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 195,000 |
| Sidney Federal Credit Union 42 UNION STREET SIDNEY, NY 13838 |
* | $ n/a | 1 | $ 35,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 385,000 |
| Clearedge Lending LLC 20 ENTERPRISE SUITE 350 ALISO VIEJO, CA 92656 |
* | $ n/a | 1 | $ 155,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 755,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 185,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ n/a | 1 | $ 255,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 305,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 215,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 225,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ n/a | 1 | $ 205,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ n/a | 1 | $ 185,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 315,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 75,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 335,000 |
| Rf Renovo Management Company, LLC 222 W ADAMS ST #1980 CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 75,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 2,155,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 195,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 215,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 205,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 105,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 205,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 85,000 |
| Evans Bank NA 6460 MAIN STREET BUFFALO, NY 14221 |
* | $ n/a | 1 | $ 135,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 2,035,000 |
The tables below break down 2025 mortgage applications in Yates 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 Yates 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 | 328 | $102,350,000 | $312,000 | $2,155,000 | $180,000 | $2,681,000 |
| Home Improvement | 108 | $12,690,000 | $117,000 | $605,000 | $145,000 | $784,000 |
| Other Purpose | 78 | $11,300,000 | $144,000 | $905,000 | $127,000 | $935,000 |
| Refinancing | 78 | $15,220,000 | $195,000 | $805,000 | $157,000 | $1,975,000 |
| Cash-out Refinancing | 76 | $26,450,000 | $348,000 | $2,795,000 | $181,000 | $1,174,000 |
| Not Applicable | 1 | $145,000 | $145,000 | $145,000 | $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 | 545 | $131,735,000 | $241,000 | $2,795,000 | $158,000 | $1,975,000 |
| Not applicable | 63 | $18,405,000 | $292,000 | $1,835,000 | $109,000 | $197,000 |
| Not Provided | 37 | $9,425,000 | $254,000 | $905,000 | $174,000 | $935,000 |
| Hispanic | 14 | $5,990,000 | $427,000 | $1,545,000 | $340,000 | $2,681,000 |
| Asian | 8 | $2,420,000 | $302,000 | $805,000 | $299,000 | $543,000 |
| American Indian or Alaskan Native | 2 | $180,000 | $90,000 | $155,000 | $106,000 | $156,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 598 | $153,080,000 | $255,000 | $2,795,000 | $169,000 | $2,681,000 |
| FHA-insured (Federal Housing Administration) | 42 | $7,610,000 | $181,000 | $275,000 | $97,000 | $680,000 |
| VA-guaranteed (Veterans Administration) | 27 | $7,075,000 | $262,000 | $465,000 | $149,000 | $1,212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $390,000 | $195,000 | $195,000 | $77,000 | $77,000 |
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 | 416 | $102,960,000 | $247,000 | $2,795,000 | $155,000 | $1,191,000 |
| Loan Purchased By The Institution | 87 | $29,255,000 | $336,000 | $2,795,000 | $210,000 | $1,174,000 |
| Application Denied By Financial Institution | 77 | $10,705,000 | $139,000 | $905,000 | $122,000 | $1,162,000 |
| Application Withdrawn By Applicant | 65 | $20,805,000 | $320,000 | $2,155,000 | $256,000 | $2,681,000 |
| Application Approved But Not Accepted | 12 | $2,580,000 | $215,000 | $395,000 | $152,000 | $452,000 |
| File Closed For Incompleteness | 10 | $1,510,000 | $151,000 | $285,000 | $108,000 | $164,000 |
| Preapproval Approved but not Accepted | 2 | $340,000 | $170,000 | $205,000 | $176,000 | $306,000 |
| 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 | 530 | $146,280,000 | $276,000 | $2,795,000 | $173,000 | $2,681,000 |
| Debt-To-Income Ratio | 95 | $15,295,000 | $161,000 | $1,835,000 | $129,000 | $1,975,000 |
| Collateral | 20 | $3,440,000 | $172,000 | $905,000 | $149,000 | $935,000 |
| Credit History | 13 | $1,135,000 | $87,000 | $175,000 | $74,000 | $141,000 |
| Credit Application Incomplete | 5 | $695,000 | $139,000 | $185,000 | $158,000 | $335,000 |
| Other | 4 | $1,000,000 | $250,000 | $405,000 | $400,000 | $1,162,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $18,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $68,000 | $68,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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