Mortgage lenders in Ontario County
2,413 mortgages were made in Ontario County, New York, in 2025, by 160 lenders. The median rate their borrowers got was 6.875% on a median loan of $165,000. Of 3,071 decisions, 524 were denials — 17.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ESL Federal Credit Union | 358 | 4.500% | $105,000 | 15.9% |
| The Lyons National Bank | 216 | 6.990% | $115,000 | 10.4% |
| PREMIUM MORTGAGE CORPORATION | 214 | 6.625% | $285,000 | 1.4% |
| The Canandaigua National Bank and Trust Company | 174 | 7.750% | $105,000 | 11.7% |
| HOME TOWN FUNDING, INC. | 149 | 6.625% | $255,000 | 1.9% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 131 | 6.625% | $75,000 | 23.9% |
| Rocket Mortgage, LLC | 125 | 6.990% | $135,000 | 19.1% |
| Community Bank, National Association | 92 | 7.000% | $85,000 | 23.1% |
| Genesee Regional Bank | 80 | 6.875% | $255,000 | 6.5% |
| Citizens Bank, National Association | 66 | 8.150% | $115,000 | 19.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 63 | 6.750% | $225,000 | 2.9% |
| Five Star Bank | 58 | 6.625% | $205,000 | 4.9% |
| Pittsford Federal Credit Union | 44 | 7.250% | $115,000 | 2.2% |
| NVR Mortgage Finance, Inc. | 39 | 6.375% | $305,000 | 2.5% |
| Manufacturers and Traders Trust Company | 35 | 5.990% | $105,000 | 30.8% |
| FINGER LAKES FEDERAL CREDIT UNION | 34 | Not published | $85,000 | 12.8% |
| 1ST PRIORITY MORTGAGE, INC. | 29 | 6.625% | $225,000 | 6.5% |
| THE SUMMIT Federal Credit Union | 26 | 7.000% | $55,000 | 21.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.875% | $325,000 | 7.1% |
| JPMorgan Chase Bank, National Association | 21 | 6.865% | $195,000 | 15.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 6.499% | $240,000 | 4.8% |
| Empower Federal Credit Union | 19 | 7.250% | $65,000 | 17.4% |
| TRIAD FINANCIAL SERVICES, INC. | 18 | 9.360% | $45,000 | 31.9% |
| NEWREZ LLC | 15 | 6.750% | $185,000 | 31.8% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 14 | 8.350% | $65,000 | 44.6% |
| FAMILY FIRST OF NY | 14 | 6.745% | $150,000 | 25.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 6.500% | $255,000 | 0.0% |
| 21st Mortgage Corporation | 12 | 10.305% | $80,000 | 68.4% |
| KeyBank National Association | 12 | 6.875% | $205,000 | 25.0% |
| Fairway Independent Mortgage Corporation | 12 | 6.750% | $270,000 | 14.3% |
| Advantage Federal Credit Union | 11 | Not published | $85,000 | 45.0% |
| TAMMAC HOLDINGS CORPORATION | 11 | 9.400% | $75,000 | 33.3% |
| Mortgage Research Center, LLC | 11 | 6.250% | $235,000 | 21.4% |
| Wayne Bank | 11 | Not published | $95,000 | 15.4% |
| Navy Federal Credit Union | 10 | 8.100% | $65,000 | 41.2% |
| Bank of America, National Association | 10 | 6.625% | $325,000 | 33.3% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RELIANCE FIRST CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Farm Credit East, ACA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 76.9% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CORNING CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Visions Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SERVU FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| HOMESTEAD FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| HUNT MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GREENWOOD CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICU Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CFCU COMMUNITY Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 62.5% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Valley | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 33.3% |
| FM Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUBURN COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pathfinder Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evans Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXTIER BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NQM FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STAR USA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Alden State Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| Radiant Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Generations Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NUMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PlainsCapital Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Ontario County
27 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Canandaigua National Bank and Trust Company | 8 | $2.0 billion |
| Five Star Bank | 4 | $352.9 million |
| Community Bank, National Association | 4 | $346.0 million |
| The Lyons National Bank | 3 | $414.0 million |
| JPMorgan Chase Bank, National Association | 2 | $165.0 million |
| Wayne Bank | 1 | $220.9 million |
| Citizens Bank, National Association | 1 | $143.7 million |
| Manufacturers and Traders Trust Company | 1 | $70.0 million |
| KeyBank National Association | 1 | $48.3 million |
| CNB Bank | 1 | $35.4 million |
| Woodforest National Bank | 1 | $1.8 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Community Bank, National Association, 1334 Route 96, Phelps
- Generations Bank, 342 Hamilton St, Geneva
- Generations Bank, 6120 State Route 96, Farmington
- Generations Bank, 89 Main St, Phelps
Get told when this changes
When the next year’s lending figures are out for Ontario 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.