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Orleans County, New York · 2025

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

97 lenders acted on 1,140 mortgage applications for properties in Orleans County in 2025. 22.4% were denied (New York: 19.8%). Median rate on closed loans 6.63%; median loan $105,000; median property value $215,000.

1.1kApplications
22.4%Denial ratestate 19.8%
6.63%Median ratestate 6.63%
$105,000Median loan
$215,000Median property value

Largest lenders in Orleans County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 ESL Federal Credit Union B 209138 23.4%4.50%
2 Premium Mortgage A 10084 4.0%6.56%
3 Rocket Mortgage C 9855 29.6%6.88%
4 Manufacturers and Traders Trust C 8445 39.3%5.99%
5 Ontario Shores D 6954 21.7%7.50%
6 KeyBank C 4321 32.6%6.63%
7 Cornerstone Community Federal Credit Union A 3221 9.4%3.99%
8 Tompkins Community Bank B 2819 17.9%5.75%
9 Tammac Holdings D 2612 42.3%9.38%
10 Home Town Funding A 2218 4.6%6.75%
11 Primelending, a Plainscapital A 2220 4.6%6.81%
12 Citizens Bank C 208 55.0%8.78%
13 Genesee Regional Bank B 1915 0.0%6.63%
14 United Shore Financial Services B 1916 5.3%6.37%
15 Five Star Bank C 1914 5.3%8.44%
16 American Heritage Lending D 1610 0.0%8.00%
17 21st Mortgage F 164 25.0%10.49%
18 THE SUMMIT Federal Credit Union C 144 50.0%7.06%
19 The Canandaigua National Bank and Trust A 1411 21.4%8.00%
20 Newrez D 141 50.0%6.63%
21 Mortgage Research Center C 139 15.4%6.75%
22 Loandepot.Com D 128 16.7%7.50%
23 1st Priority Mortgage A 1110 0.0%6.75%
24 Pennymac Loan Services C 105 20.0%6.25%
25 Bank of America F 92 33.3%6.75%

Best approval odds in Orleans County

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

#LenderDecidedDecision denial rate
1Premium Mortgage904.4%
2Ontario Shores6921.7%
3ESL Federal Credit Union19025.8%
4Rocket Mortgage8633.7%
5Manufacturers and Traders Trust7941.8%

What Orleans County borrowers applied for

By loan purpose

Home purchase 428 38% · 12.4% denied
Refinance 117 10% · 27.4% denied
Cash-out refinance 166 15% · 24.1% denied
Home improvement 267 23% · 28.8% denied
Other / HELOC 162 14% · 32.7% denied

By loan type

Conventional 947 83% · 22.9% denied
FHA 142 12% · 19.7% denied
VA 44 4% · 15.9% denied
USDA / RHS 7 1% · 42.9% denied

Why applications were denied

Credit history 84 33%
Debt-to-income ratio 67 27%
Collateral 48 19%
Other 22 9%
Incomplete application 18 7%
Unverifiable information 5 2%
Insufficient cash 4 2%
Employment history 4 2%

Orleans County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,10169622.9%6.75%$85,000
20241,05068620.8%6.88%$95,000
20251,14071822.4%6.63%$105,000

Frequently asked questions

22.4% of applications in Orleans County were denied in 2025, against 19.8% statewide in New York.

ESL Federal Credit Union, with 209 applications in 2025 and a denial rate of 23.4%.

The median mortgage application in Orleans County in 2025 was for $105,000; the median property value on originated loans was $215,000.