Largest lenders in Genesee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | ESL Federal Credit Union | B | 262 | 182 | 22.5% | 4.50% |
| 2 | Premium Mortgage | A | 127 | 100 | 3.2% | 6.50% |
| 3 | Manufacturers and Traders Trust | C | 108 | 71 | 25.0% | 5.99% |
| 4 | Rocket Mortgage | C | 107 | 72 | 19.6% | 6.99% |
| 5 | Tompkins Community Bank | B | 90 | 69 | 21.1% | 3.25% |
| 6 | KeyBank | C | 53 | 27 | 28.3% | 6.38% |
| 7 | 21st Mortgage | F | 42 | 8 | 38.1% | 9.36% |
| 8 | Five Star Bank | C | 40 | 25 | 20.0% | 7.88% |
| 9 | Bank of America | F | 31 | 11 | 35.5% | 6.50% |
| 10 | Primelending, a Plainscapital | A | 30 | 25 | 6.7% | 6.93% |
| 11 | Genesee Regional Bank | B | 29 | 25 | 6.9% | 6.88% |
| 12 | United Shore Financial Services | B | 29 | 24 | 10.3% | 6.56% |
| 13 | Crosscountry Mortgage | B | 25 | 21 | 4.0% | 6.74% |
| 14 | 1st Priority Mortgage | A | 24 | 23 | 0.0% | 6.50% |
| 15 | Citizens Bank | C | 23 | 13 | 21.7% | 8.90% |
| 16 | Alden State Bank | B | 21 | 18 | 4.8% | — |
| 17 | Newrez | D | 17 | 7 | 17.7% | 6.75% |
| 18 | Family First of NY | A | 17 | 17 | 0.0% | 6.99% |
| 19 | CNB Bank | A | 15 | 10 | 20.0% | 6.75% |
| 20 | THE SUMMIT Federal Credit Union | C | 14 | 5 | 50.0% | 7.25% |
| 21 | Pennymac Loan Services | C | 13 | 5 | 7.7% | 6.49% |
| 22 | Home Town Funding | A | 12 | 11 | 8.3% | 6.63% |
| 23 | Community Bank | D | 12 | 9 | 16.7% | 7.06% |
| 24 | Discover Bank | F | 11 | 1 | 63.6% | 8.62% |
| 25 | Carrington Mortgage Services | D | 11 | 2 | 54.6% | 6.25% |
Best approval odds in Genesee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Premium Mortgage | 104 | 3.9% |
| 2 | Rocket Mortgage | 100 | 21.0% |
| 3 | Tompkins Community Bank | 89 | 21.4% |
| 4 | ESL Federal Credit Union | 249 | 23.7% |
| 5 | Manufacturers and Traders Trust | 101 | 26.7% |
What Genesee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Genesee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,359 | 920 | 19.4% | 6.88% | $105,000 |
| 2024 | 1,353 | 888 | 20.9% | 6.88% | $115,000 |
| 2025 | 1,442 | 927 | 20.7% | 6.63% | $125,000 |
Frequently asked questions
20.7% of applications in Genesee County were denied in 2025, against 19.8% statewide in New York.
ESL Federal Credit Union, with 262 applications in 2025 and a denial rate of 22.5%.
The median mortgage application in Genesee County in 2025 was for $125,000; the median property value on originated loans was $235,000.