Genesee Valley at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
78th16.4% deniedPricingmedian rate spread over APOR, weight 30%
64th-0.11 ptsProcesswithdrawn + incomplete share, weight 15%
86th5.7%Closing coststotal loan costs ÷ loan amount, weight 10%
91st0.78% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 114 | 77 | 23.7% | 26.0% | 7.99% | $5.1M |
| 2024 | 112 | 82 | 23.2% | 24.1% | 7.99% | $5.4M |
| 2025 | 123 | 97 | 15.5% | 16.4% | 6.99% | $8.0M |
What Genesee Valley lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 67 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 1 investment properties.
Why Genesee Valley denies applications
Primary reason reported for each of the 19 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Genesee Valley
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 12 | 29.4% |
| $50k – $100k | 47 | 34 | 22.7% |
| $100k – $150k | 35 | 32 | 5.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 27 | 18 | 25.0% |
| 55–64 | 29 | 25 | 10.7% |
| 65–74 | 26 | 19 | 24.0% |
Where Genesee Valley lends
1 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 123 | 97 | 15.5% | 6.99% | #249 |
Frequently asked questions
Genesee Valley denied 16.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 78th percentile of home-equity (HELOC) lenders.
The most common reason Genesee Valley gave in 2025 was "debt-to-income ratio", cited on 47.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Genesee Valley originated in 2025 was 6.99%, and its median rate spread over the average prime offer rate was -0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 2% of its applications were for home purchases, 9% for refinancing (including cash-out), and 89% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.