Genesee Regional Bank in New York vs the state
5.2%Denial rate-14.53 pts vs state
5.7%Decision denial rate-18.32 pts vs state
80.2%Origination rate+20.61 pts vs state
6.88%Median rate+0.25 pts vs state
0.43Rate spread (pts)+0.22 pts vs state
$96kMedian applicant income
1,705Loans originated
111Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,766 | 1,475 | 3.7% | 6.88% | #46 |
| 2024 | 1,867 | 1,539 | 4.3% | 6.88% | #39 |
| 2025 | 2,126 | 1,705 | 5.2% | 6.88% | #39 |
What Genesee Regional Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Genesee Regional Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 1,254 | 1,061 | 46 | 3.7% |
| Onondaga County | 175 | 134 | 15 | 8.6% |
| Ontario County | 107 | 80 | 6 | 5.6% |
| Wayne County | 86 | 66 | 5 | 5.8% |
| Jefferson County | 68 | 53 | 4 | 5.9% |
| Cayuga County | 53 | 36 | 2 | 3.8% |
| Livingston County | 53 | 43 | 3 | 5.7% |
| Oswego County | 48 | 27 | 9 | 18.8% |
| Genesee County | 29 | 25 | 2 | 6.9% |
| Steuben County | 27 | 19 | 2 | 7.4% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 2,126 applications in 2025, of which 1,705 were originated and 111 denied.
5.2% of all applications, or 5.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Genesee Regional Bank originated in New York in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Genesee Regional Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology