Mortgage lenders in Monroe County
15,921 mortgages were made in Monroe County, New York, in 2025, by 260 lenders. The median rate their borrowers got was 6.750% on a median loan of $155,000. Of 20,247 decisions, 3,709 were denials — 18.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ESL Federal Credit Union | 4,148 | 4.500% | $85,000 | 18.1% |
| PREMIUM MORTGAGE CORPORATION | 1,916 | 6.625% | $235,000 | 2.7% |
| Genesee Regional Bank | 1,061 | 6.875% | $225,000 | 4.0% |
| Citizens Bank, National Association | 647 | 8.400% | $105,000 | 33.6% |
| Rocket Mortgage, LLC | 646 | 6.750% | $155,000 | 24.1% |
| HOME TOWN FUNDING, INC. | 637 | 6.875% | $225,000 | 2.1% |
| THE SUMMIT Federal Credit Union | 525 | 7.250% | $65,000 | 28.5% |
| Manufacturers and Traders Trust Company | 496 | 5.990% | $105,000 | 33.5% |
| The Canandaigua National Bank and Trust Company | 443 | 7.750% | $125,000 | 12.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 429 | 6.875% | $215,000 | 3.0% |
| Advantage Federal Credit Union | 378 | Not published | $85,000 | 39.6% |
| FAMILY FIRST OF NY | 319 | 6.990% | $125,000 | 7.3% |
| Pittsford Federal Credit Union | 255 | 7.250% | $105,000 | 4.0% |
| The Lyons National Bank | 248 | 6.990% | $145,000 | 3.1% |
| 1ST PRIORITY MORTGAGE, INC. | 247 | 6.500% | $235,000 | 3.5% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 206 | 6.750% | $85,000 | 26.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 199 | 6.950% | $245,000 | 3.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 185 | 6.750% | $225,000 | 1.1% |
| KeyBank National Association | 176 | 6.563% | $140,000 | 38.0% |
| JPMorgan Chase Bank, National Association | 158 | 6.495% | $185,000 | 15.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 148 | 6.612% | $190,000 | 15.4% |
| Fairway Independent Mortgage Corporation | 147 | 6.750% | $235,000 | 2.0% |
| Bank of America, National Association | 142 | 6.240% | $150,000 | 47.8% |
| Community Bank, National Association | 123 | 7.250% | $165,000 | 21.7% |
| Five Star Bank | 112 | 6.875% | $130,000 | 11.4% |
| Navy Federal Credit Union | 88 | 7.750% | $140,000 | 35.5% |
| KINECTA | 85 | 6.990% | $105,000 | 13.0% |
| PENNYMAC LOAN SERVICES, LLC | 82 | 6.250% | $210,000 | 23.6% |
| Loandepot.Com, LLC | 82 | 6.688% | $120,000 | 26.3% |
| AMERICAN HERITAGE LENDING, LLC | 77 | 7.375% | $135,000 | 6.1% |
| NEWREZ LLC | 72 | 6.750% | $175,000 | 43.3% |
| NATIONSTAR MORTGAGE LLC | 69 | 6.750% | $195,000 | 17.2% |
| Tompkins Community Bank | 60 | 6.000% | $175,000 | 17.3% |
| CMG MORTGAGE, INC. | 55 | 6.625% | $225,000 | 4.9% |
| NVR Mortgage Finance, Inc. | 51 | 6.250% | $335,000 | 15.0% |
| HUNT MORTGAGE CORPORATION | 51 | 6.750% | $255,000 | 3.7% |
| NBT Bank, National Association | 40 | 4.990% | $105,000 | 36.9% |
| Ukrainian Federal Credit Union | 39 | 6.625% | $145,000 | 0.0% |
| Mortgage Research Center, LLC | 37 | 6.250% | $225,000 | 26.0% |
| HOMESTEAD FUNDING CORP. | 36 | 6.495% | $180,000 | 5.1% |
| Northwest Bank | 35 | 6.625% | $115,000 | 31.4% |
| FINGER LAKES FEDERAL CREDIT UNION | 35 | Not published | $75,000 | 14.6% |
| Wells Fargo Bank, National Association | 28 | 6.375% | $160,000 | 37.8% |
| Hometown Equity Mortgage, LLC | 28 | 7.500% | $165,000 | 44.0% |
| PLAZA HOME MORTGAGE, INC. | 25 | 6.990% | $195,000 | 34.2% |
| RELIANCE FIRST CAPITAL, LLC | 24 | 6.750% | $190,000 | 14.3% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 23 | 6.250% | $155,000 | 11.5% |
| Visions Federal Credit Union | 22 | 6.625% | $95,000 | 20.0% |
| BETTER MORTGAGE CORPORATION | 21 | 8.750% | $135,000 | 47.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 21 | 10.615% | $95,000 | 0.0% |
| Empower Federal Credit Union | 21 | 7.000% | $165,000 | 12.5% |
| U.S. Bank National Association | 20 | 6.808% | $155,000 | 59.6% |
| TAMMAC HOLDINGS CORPORATION | 20 | 9.375% | $120,000 | 43.1% |
| ROYAL UNITED MORTGAGE LLC | 20 | 6.813% | $125,000 | 25.8% |
| CORNING CREDIT UNION | 19 | 6.140% | $75,000 | 9.1% |
| MOVEMENT MORTGAGE, LLC | 18 | 6.990% | $175,000 | 12.0% |
| FIGURE LENDING LLC | 18 | 9.725% | $50,000 | 9.5% |
| DOMINION FINANCIAL SERVICES, LLC | 17 | 7.125% | $195,000 | 0.0% |
| Discover Bank | 16 | 8.420% | $70,000 | 82.1% |
| PLANET HOME LENDING, LLC | 16 | 5.688% | $235,000 | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.875% | $195,000 | 44.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.563% | $155,000 | 50.0% |
| Loan Funder LLC | 14 | 7.605% | $190,000 | 17.7% |
| Evans Bank, National Association | 14 | 6.625% | $130,000 | 33.3% |
| Metro City Bank | 14 | 6.250% | $290,000 | 0.0% |
| Broadview Federal Credit Union | 11 | 6.250% | $75,000 | 45.0% |
| TD Bank, National Association | 11 | 6.500% | $335,000 | 26.7% |
| CONSTRUCTIVE LOANS, LLC | 11 | 7.875% | $85,000 | 8.3% |
| Third Federal Savings and Loan Association of Cleveland | 10 | 6.990% | $130,000 | 47.6% |
| Logan Finance Corporation | 10 | 7.187% | $225,000 | 23.1% |
| The Federal Savings Bank | 10 | 7.125% | $195,000 | 9.1% |
| Quontic Bank | 10 | 8.438% | $250,000 | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 47.1% |
| GUIDANCE RESIDENTIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 8 | Under 10 loans | Under 10 loans | 52.9% |
| BPL MORTGAGE TRUST, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 28.6% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| NORWICH COMMERCIAL GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CONTOUR MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SERVU FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| M&T REALTY CAPITAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 72.2% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 61.5% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 64.3% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CNB Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 79.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 44.4% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Cornerstone Community Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SYRACUSE FIRE DEPARTMENT EMPLOYEES | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Savannah Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SEFCU SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alternatives Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ponce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXTIER BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Five Cents Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CFCU COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ballston Spa National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUBURN COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pathfinder Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| G.P.O. Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 60 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Monroe County
136 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 25 | $4.6 billion |
| KeyBank National Association | 19 | $3.3 billion |
| JPMorgan Chase Bank, National Association | 18 | $3.1 billion |
| The Canandaigua National Bank and Trust Company | 18 | $2.5 billion |
| Citizens Bank, National Association | 16 | $1.7 billion |
| Bank of America, National Association | 10 | $1.7 billion |
| Five Star Bank | 8 | $1.4 billion |
| NBT Bank, National Association | 5 | $155.1 million |
| Community Bank, National Association | 4 | $47.5 million |
| Genesee Regional Bank | 3 | $1.1 billion |
| Tompkins Community Bank | 3 | $385.9 million |
| Northwest Bank | 2 | $60.8 million |
| Woodforest National Bank | 2 | $4.5 million |
| The Upstate National Bank | 1 | $178.7 million |
| The Lyons National Bank | 1 | $84.0 million |
| NEXTIER BANK, NATIONAL ASSOCIATION | 1 | $56.5 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Five Star Bank, 100 Chestnut St, Rochester
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When the next year’s lending figures are out for Monroe County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.