Genesee Regional Bank
Genesee Regional Bank received 2,145 applications in 2025 and made 1,717 mortgages, in 56 counties across 2 states. The median rate its borrowers got was 6.875% on a median loan of $225,000. Of 1,953 decisions, 111 were denials — 5.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300VUQ4KD10YTTM53 |
|---|---|
| Applications received | 2,145 |
| Mortgages made | 1,717 |
| Denied | 111 |
| Approved, not taken up | 125 |
| Withdrawn or incomplete | 192 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.43 points |
| FDIC-insured bank | Yes: Genesee Regional Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,617 | 6.875% | $225,000 | 5.5% |
| Refinancing | 41 | 6.500% | $305,000 | 9.1% |
| Cash-out refinancing | 59 | 7.250% | $175,000 | 6.9% |
Where Genesee Regional Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, NY | 1,061 | 6.875% | 4.0% |
| Onondaga County, NY | 134 | 6.875% | 9.7% |
| Ontario County, NY | 80 | 6.875% | 6.5% |
| Wayne County, NY | 66 | 6.875% | 6.4% |
| Jefferson County, NY | 53 | 6.625% | 6.5% |
| Livingston County, NY | 43 | 6.625% | 5.9% |
| Cayuga County, NY | 36 | 6.688% | 4.2% |
| Oswego County, NY | 27 | 6.750% | 21.4% |
| Genesee County, NY | 25 | 6.875% | 7.1% |
| Steuben County, NY | 19 | 6.875% | 8.7% |
| Madison County, NY | 18 | 6.813% | 4.6% |
| Oneida County, NY | 16 | 6.875% | 11.1% |
| Orleans County, NY | 15 | 6.625% | 0.0% |
| Yates County, NY | 13 | 6.875% | 0.0% |
| Erie County, NY | 11 | 6.750% | 18.8% |
| Otsego County, NY | 9 | Under 10 loans | 10.0% |
| Franklin County, NY | 8 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 7 | Under 10 loans | 12.5% |
| Cortland County, NY | 7 | Under 10 loans | 18.2% |
| Seneca County, NY | 7 | Under 10 loans | 0.0% |
| Chenango County, NY | 6 | Under 10 loans | 12.5% |
| Niagara County, NY | 5 | Under 10 loans | 0.0% |
| St. Lawrence County, NY | 5 | Under 10 loans | 22.2% |
| Chautauqua County, NY | 4 | Under 10 loans | 0.0% |
| Wyoming County, NY | 4 | Under 10 loans | 0.0% |
| Allegany County, NY | 3 | Under 10 loans | 0.0% |
| Delaware County, NY | 3 | Under 10 loans | 0.0% |
| Schoharie County, NY | 3 | Under 10 loans | 25.0% |
| Essex County, NY | 2 | Under 10 loans | 0.0% |
| Herkimer County, NY | 2 | Under 10 loans | 0.0% |
| Lewis County, NY | 2 | Under 10 loans | 0.0% |
| Schuyler County, NY | 2 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Albany County, NY | 1 | Under 10 loans | 0.0% |
| Broome County, NY | 1 | Under 10 loans | 0.0% |
| Chemung County, NY | 1 | Under 10 loans | 50.0% |
| Clinton County, NY | 1 | Under 10 loans | 50.0% |
| Greene County, NY | 1 | Under 10 loans | 0.0% |
| Saratoga County, NY | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.