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Ontario County, New York · 2025

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

149 lenders acted on 3,461 mortgage applications for properties in Ontario County in 2025. 15.1% were denied (New York: 19.8%). Median rate on closed loans 6.88%; median loan $155,000; median property value $325,000.

3.5kApplications
15.1%Denial ratestate 19.8%
6.88%Median ratestate 6.63%
$155,000Median loan
$325,000Median property value

Largest lenders in Ontario County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 ESL Federal Credit Union B 477358 14.7%4.50%
2 The Lyons National Bank B 253216 9.9%6.99%
3 Premium Mortgage A 238214 1.3%6.63%
4 The Canandaigua National Bank and Trust A 212174 11.3%7.75%
5 Reliant Community Federal Credit Union D 188131 22.3%7.39%
6 Rocket Mortgage C 170125 17.7%6.99%
7 Home Town Funding A 163149 1.8%6.63%
8 Community Bank D 13692 20.6%7.00%
9 Genesee Regional Bank B 10780 5.6%6.88%
10 Citizens Bank C 10166 16.8%8.15%
11 Triad Financial Services D 9118 31.9%9.36%
12 Primelending, a Plainscapital A 7663 2.6%6.75%
13 Five Star Bank C 6858 4.4%6.63%
14 Manufacturers and Traders Trust C 6135 26.2%5.99%
15 21st Mortgage F 6012 43.3%10.31%
16 Credit Human Federal Credit Union D 5614 44.6%8.35%
17 Pittsford Federal Credit Union A 5444 1.9%7.25%
18 NVR Mortgage Finance B 4739 2.1%6.38%
19 Finger Lakes Federal Credit Union D 4534 11.1%—
20 Crosscountry Mortgage B 4225 4.8%6.88%
21 Discover Bank F 386 52.6%8.33%
22 THE SUMMIT Federal Credit Union C 3726 18.9%7.00%
23 JPMorgan Chase Bank B 3621 11.1%6.87%
24 1st Priority Mortgage A 3229 6.3%6.63%
25 Newrez D 3115 22.6%6.75%

Best approval odds in Ontario County

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

#LenderDecidedDecision denial rate
1Premium Mortgage2181.4%
2Home Town Funding1561.9%
3Primelending, a Plainscapital702.9%
4Five Star Bank614.9%
5Genesee Regional Bank926.5%
6The Lyons National Bank24110.4%
7The Canandaigua National Bank and Trust20611.7%
8ESL Federal Credit Union44015.9%
9Rocket Mortgage15719.1%
10Citizens Bank8719.5%

What Ontario County borrowers applied for

By loan purpose

Home purchase 1,439 42% · 11.0% denied
Refinance 405 12% · 15.3% denied
Cash-out refinance 426 12% · 14.8% denied
Home improvement 599 17% · 18.7% denied
Other / HELOC 592 17% · 21.8% denied

By loan type

Conventional 3,143 91% · 15.2% denied
FHA 193 6% · 15.5% denied
VA 119 3% · 13.5% denied
USDA / RHS 6 0% · 16.7% denied

Why applications were denied

Credit history 168 33%
Debt-to-income ratio 164 32%
Collateral 68 13%
Incomplete application 38 7%
Other 37 7%
Unverifiable information 17 3%
Insufficient cash 9 2%
Employment history 6 1%

Ontario County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,1412,12216.1%6.89%$115,000
20243,2562,25416.3%7.13%$125,000
20253,4612,41315.1%6.88%$155,000

Frequently asked questions

15.1% of applications in Ontario County were denied in 2025, against 19.8% statewide in New York.

ESL Federal Credit Union, with 477 applications in 2025 and a denial rate of 14.7%.

The median mortgage application in Ontario County in 2025 was for $155,000; the median property value on originated loans was $325,000.