Largest lenders in Seneca County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Lyons National Bank | B | 110 | 93 | 10.0% | 6.75% |
| 2 | Community Bank | D | 74 | 53 | 16.2% | 7.18% |
| 3 | Rocket Mortgage | C | 52 | 32 | 30.8% | 6.81% |
| 4 | ESL Federal Credit Union | B | 38 | 29 | 15.8% | 6.50% |
| 5 | Premium Mortgage | A | 31 | 23 | 3.2% | 6.63% |
| 6 | Tompkins Community Bank | B | 28 | 17 | 21.4% | 6.38% |
| 7 | THE SUMMIT Federal Credit Union | C | 24 | 12 | 41.7% | 7.13% |
| 8 | Finger Lakes Federal Credit Union | D | 23 | 17 | 26.1% | — |
| 9 | Five Star Bank | C | 23 | 15 | 4.4% | 7.00% |
| 10 | Manufacturers and Traders Trust | C | 22 | 12 | 40.9% | 6.44% |
| 11 | Reliant Community Federal Credit Union | D | 22 | 17 | 13.6% | 6.71% |
| 12 | Triad Financial Services | D | 19 | 5 | 47.4% | 8.77% |
| 13 | Primelending, a Plainscapital | A | 17 | 13 | 5.9% | 6.99% |
| 14 | Citizens Bank | C | 15 | 7 | 46.7% | 7.74% |
| 15 | Newrez | D | 14 | 6 | 28.6% | 6.69% |
| 16 | CFCU COMMUNITY Credit Union | B | 13 | 11 | 15.4% | 6.25% |
| 17 | United Shore Financial Services | B | 13 | 10 | 7.7% | 5.89% |
| 18 | Wayne Bank | F | 12 | 8 | 16.7% | — |
| 19 | Home Town Funding | A | 12 | 11 | 0.0% | 7.13% |
| 20 | 21st Mortgage | F | 9 | 2 | 33.3% | 12.86% |
| 21 | Genesee Regional Bank | B | 9 | 7 | 0.0% | 6.50% |
| 22 | The Canandaigua National Bank and Trust | A | 9 | 4 | 11.1% | 7.63% |
| 23 | Empower Federal Credit Union | B | 8 | 4 | 37.5% | 7.88% |
| 24 | Farm Credit East, ACA | A | 8 | 8 | 0.0% | 7.13% |
| 25 | Discover Bank | F | 7 | 1 | 71.4% | 9.24% |
Best approval odds in Seneca County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Lyons National Bank | 104 | 10.6% |
| 2 | Community Bank | 66 | 18.2% |
| 3 | Rocket Mortgage | 50 | 32.0% |
What Seneca County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Seneca County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 739 | 490 | 17.5% | 6.99% | $95,000 |
| 2024 | 697 | 446 | 22.8% | 7.00% | $105,000 |
| 2025 | 797 | 513 | 19.6% | 6.79% | $115,000 |
Frequently asked questions
19.6% of applications in Seneca County were denied in 2025, against 19.8% statewide in New York.
The Lyons National Bank, with 110 applications in 2025 and a denial rate of 10.0%.
The median mortgage application in Seneca County in 2025 was for $115,000; the median property value on originated loans was $225,000.