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Wayne County, New York · 2025

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

125 lenders acted on 2,923 mortgage applications for properties in Wayne County in 2025. 18.4% were denied (New York: 19.8%). Median rate on closed loans 6.88%; median loan $115,000; median property value $265,000.

2.9kApplications
18.4%Denial ratestate 19.8%
6.88%Median ratestate 6.63%
$115,000Median loan
$265,000Median property value

Largest lenders in Wayne County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 ESL Federal Credit Union B 447317 18.1%4.50%
2 Reliant Community Federal Credit Union D 431308 21.4%7.24%
3 The Lyons National Bank B 246209 10.6%6.79%
4 Premium Mortgage A 230206 5.7%6.63%
5 Rocket Mortgage C 146105 20.6%6.88%
6 Citizens Bank C 13385 27.1%8.40%
7 Community Bank D 9167 12.1%7.00%
8 Genesee Regional Bank B 8666 5.8%6.88%
9 Primelending, a Plainscapital A 7663 2.6%6.75%
10 Home Town Funding A 6457 4.7%6.75%
11 Manufacturers and Traders Trust C 5828 37.9%5.99%
12 The Canandaigua National Bank and Trust A 4835 20.8%8.00%
13 THE SUMMIT Federal Credit Union C 4728 27.7%7.25%
14 Family First of NY A 4031 7.5%7.12%
15 Empower Federal Credit Union B 3826 18.4%7.25%
16 Newrez D 3821 13.2%6.63%
17 Triad Financial Services D 359 25.7%8.86%
18 Bank of America F 3010 40.0%6.49%
19 Advantage Federal Credit Union D 3016 36.7%—
20 1st Priority Mortgage A 2624 3.9%6.69%
21 21st Mortgage F 262 38.5%11.56%
22 Pennymac Loan Services C 2512 8.0%6.00%
23 JPMorgan Chase Bank B 2514 16.0%6.62%
24 Kinecta B 2418 0.0%6.87%
25 Navy Federal Credit Union D 2211 13.6%6.38%

Best approval odds in Wayne County

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

#LenderDecidedDecision denial rate
1Primelending, a Plainscapital702.9%
2Home Town Funding605.0%
3Premium Mortgage2205.9%
4Genesee Regional Bank786.4%
5The Lyons National Bank23511.1%
6Community Bank7913.9%
7ESL Federal Credit Union41019.8%
8Rocket Mortgage13721.9%
9Reliant Community Federal Credit Union40622.7%
10Citizens Bank12129.8%

What Wayne County borrowers applied for

By loan purpose

Home purchase 1,038 36% · 11.1% denied
Refinance 398 14% · 17.3% denied
Cash-out refinance 338 12% · 19.8% denied
Home improvement 583 20% · 23.3% denied
Other / HELOC 566 19% · 26.5% denied

By loan type

Conventional 2,594 89% · 18.3% denied
FHA 220 8% · 21.8% denied
VA 98 3% · 12.2% denied
USDA / RHS 11 0% · 27.3% denied

Why applications were denied

Credit history 169 32%
Debt-to-income ratio 151 29%
Collateral 99 19%
Other 50 10%
Incomplete application 29 6%
Insufficient cash 11 2%
Unverifiable information 9 2%
Employment history 5 1%

Wayne County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,6791,77421.0%6.88%$85,000
20242,7261,91517.4%6.99%$105,000
20252,9232,02218.4%6.88%$115,000

Frequently asked questions

18.4% of applications in Wayne County were denied in 2025, against 19.8% statewide in New York.

ESL Federal Credit Union, with 447 applications in 2025 and a denial rate of 18.1%.

The median mortgage application in Wayne County in 2025 was for $115,000; the median property value on originated loans was $265,000.