Genesee Valley in New York vs the state
15.5%Denial rate-4.30 pts vs state
16.4%Decision denial rate-7.66 pts vs state
78.9%Origination rate+19.27 pts vs state
6.99%Median rate+0.37 pts vs state
-0.11Rate spread (pts)-0.32 pts vs state
$88kMedian applicant income
97Loans originated
19Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 114 | 77 | 23.7% | 7.99% | #254 |
| 2024 | 112 | 82 | 23.2% | 7.99% | #252 |
| 2025 | 123 | 97 | 15.5% | 6.99% | #249 |
What Genesee Valley 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 Valley applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Livingston County | 56 | 47 | 7 | 12.5% |
| Wyoming County | 46 | 35 | 7 | 15.2% |
| Steuben County | 9 | 9 | 0 | 0.0% |
| Orleans County | 2 | 1 | 1 | 50.0% |
| Genesee County | 2 | 0 | 2 | 100.0% |
| Ontario County | 2 | 2 | 0 | 0.0% |
| Erie County | 1 | 1 | 0 | 0.0% |
| Allegany County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
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: 123 applications in 2025, of which 97 were originated and 19 denied.
15.5% of all applications, or 16.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Genesee Valley originated in New York in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Genesee Valley'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