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Monroe County, New York · 2025

Mortgage lenders in Monroe County, NY: denial rates and top lenders (2025)

252 lenders acted on 23,022 mortgage applications for properties in Monroe County in 2025. 16.1% were denied (New York: 19.8%). Median rate on closed loans 6.75%; median loan $135,000; median property value $285,000.

23kApplications
16.1%Denial ratestate 19.8%
6.75%Median ratestate 6.63%
$135,000Median loan
$285,000Median property value

Largest lenders in Monroe County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 ESL Federal Credit Union B 5,8344,148 16.5%4.50%
2 Premium Mortgage A 2,0931,916 2.5%6.63%
3 Genesee Regional Bank B 1,2541,061 3.7%6.88%
4 Citizens Bank C 1,169647 29.2%8.40%
5 Rocket Mortgage C 925646 22.8%6.75%
6 THE SUMMIT Federal Credit Union C 871525 25.0%7.25%
7 Manufacturers and Traders Trust C 864496 30.7%5.99%
8 Home Town Funding A 718637 2.0%6.88%
9 Advantage Federal Credit Union D 704378 35.2%—
10 The Canandaigua National Bank and Trust A 553443 12.3%7.75%
11 Primelending, a Plainscapital A 523429 2.7%6.88%
12 Family First of NY A 386319 6.5%6.99%
13 Bank of America F 375142 35.2%6.24%
14 KeyBank C 338176 32.3%6.63%
15 Pittsford Federal Credit Union A 322255 3.4%7.25%
16 Reliant Community Federal Credit Union D 312206 24.4%7.39%
17 The Lyons National Bank B 277248 2.9%6.99%
18 1st Priority Mortgage A 276247 3.3%6.50%
19 JPMorgan Chase Bank B 263158 11.8%6.50%
20 Crosscountry Mortgage B 251199 2.8%6.95%
21 Newrez D 23172 23.8%6.75%
22 American Neighborhood Mortgage Acceptance Company B 213185 0.9%6.75%
23 United Shore Financial Services B 196148 13.8%6.62%
24 Community Bank D 192123 17.7%7.25%
25 Pennymac Loan Services C 18482 14.1%6.25%

Best approval odds in Monroe County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1American Neighborhood Mortgage Acceptance Company1881.1%
2Fairway Independent Mortgage1512.0%
3Home Town Funding6762.1%
4Premium Mortgage1,9762.7%
5Primelending, a Plainscapital4683.0%
6The Lyons National Bank2573.1%
7Crosscountry Mortgage2083.4%
81st Priority Mortgage2583.5%
9Hunt Mortgage543.7%
10Genesee Regional Bank1,1634.0%

What Monroe County borrowers applied for

By loan purpose

Home purchase 8,495 37% · 6.2% denied
Refinance 2,970 13% · 16.7% denied
Cash-out refinance 2,888 13% · 16.9% denied
Home improvement 4,099 18% · 25.8% denied
Other / HELOC 4,570 20% · 25.0% denied

By loan type

Conventional 21,068 92% · 15.9% denied
FHA 1,463 6% · 19.8% denied
VA 489 2% · 12.7% denied
USDA / RHS 2 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 1,221 35%
Credit history 1,140 33%
Collateral 440 13%
Other 312 9%
Incomplete application 179 5%
Unverifiable information 73 2%
Insufficient cash 59 2%
Employment history 30 1%

Monroe County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202321,40514,73717.1%6.88%$105,000
202421,30014,76416.8%6.91%$125,000
202523,02215,92116.1%6.75%$135,000

Frequently asked questions

16.1% of applications in Monroe County were denied in 2025, against 19.8% statewide in New York.

ESL Federal Credit Union, with 5,834 applications in 2025 and a denial rate of 16.5%.

The median mortgage application in Monroe County in 2025 was for $135,000; the median property value on originated loans was $285,000.