Largest lenders in Yates County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Lyons National Bank | B | 113 | 101 | 3.5% | 6.75% |
| 2 | Home Town Funding | A | 50 | 44 | 2.0% | 6.75% |
| 3 | Community Bank | D | 46 | 28 | 19.6% | 7.25% |
| 4 | Servu Federal Credit Union | C | 45 | 35 | 20.0% | — |
| 5 | Wayne Bank | F | 29 | 13 | 24.1% | — |
| 6 | ESL Federal Credit Union | B | 29 | 18 | 24.1% | 5.06% |
| 7 | Rocket Mortgage | C | 27 | 16 | 22.2% | 6.50% |
| 8 | Premium Mortgage | A | 21 | 17 | 0.0% | 6.75% |
| 9 | Five Star Bank | C | 20 | 14 | 5.0% | 7.00% |
| 10 | Reliant Community Federal Credit Union | D | 17 | 11 | 17.7% | 7.72% |
| 11 | Genesee Regional Bank | B | 15 | 13 | 0.0% | 6.88% |
| 12 | Corning Credit Union | A | 14 | 12 | 0.0% | 6.32% |
| 13 | The Canandaigua National Bank and Trust | A | 13 | 10 | 15.4% | 7.75% |
| 14 | Primelending, a Plainscapital | A | 13 | 11 | 0.0% | 6.99% |
| 15 | Farm Credit East, ACA | A | 12 | 11 | 8.3% | 7.00% |
| 16 | Empower Federal Credit Union | B | 6 | 4 | 16.7% | 7.38% |
| 17 | Bank of America | F | 5 | 3 | 20.0% | 5.99% |
| 18 | 21st Mortgage | F | 5 | 0 | 100.0% | — |
| 19 | Visions Federal Credit Union | C | 5 | 3 | 20.0% | 7.25% |
| 20 | Mortgage Research Center | C | 5 | 3 | 20.0% | 6.50% |
Best approval odds in Yates 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 | 105 | 3.8% |
What Yates County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Yates County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 561 | 421 | 11.9% | 6.99% | $125,000 |
| 2024 | 599 | 430 | 14.7% | 7.13% | $135,000 |
| 2025 | 580 | 416 | 13.3% | 6.79% | $165,000 |
Frequently asked questions
13.3% of applications in Yates County were denied in 2025, against 19.8% statewide in New York.
The Lyons National Bank, with 113 applications in 2025 and a denial rate of 3.5%.
The median mortgage application in Yates County in 2025 was for $165,000; the median property value on originated loans was $285,000.