Mortgage lenders in Wayne County
2,022 mortgages were made in Wayne County, New York, in 2025, by 132 lenders. The median rate their borrowers got was 6.750% on a median loan of $125,000. Of 2,635 decisions, 537 were denials — 20.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ESL Federal Credit Union | 317 | 4.500% | $95,000 | 19.8% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 308 | 6.625% | $65,000 | 22.7% |
| The Lyons National Bank | 209 | 6.790% | $105,000 | 11.1% |
| PREMIUM MORTGAGE CORPORATION | 206 | 6.625% | $220,000 | 5.9% |
| Rocket Mortgage, LLC | 105 | 6.875% | $155,000 | 21.9% |
| Citizens Bank, National Association | 85 | 8.400% | $105,000 | 29.8% |
| Community Bank, National Association | 67 | 7.000% | $75,000 | 13.9% |
| Genesee Regional Bank | 66 | 6.875% | $220,000 | 6.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 63 | 6.750% | $215,000 | 2.9% |
| HOME TOWN FUNDING, INC. | 57 | 6.750% | $205,000 | 5.0% |
| The Canandaigua National Bank and Trust Company | 35 | 8.000% | $105,000 | 21.3% |
| FAMILY FIRST OF NY | 31 | 7.120% | $85,000 | 8.8% |
| Manufacturers and Traders Trust Company | 28 | 5.990% | $125,000 | 43.1% |
| THE SUMMIT Federal Credit Union | 28 | 7.250% | $75,000 | 31.7% |
| Empower Federal Credit Union | 26 | 7.250% | $115,000 | 20.6% |
| 1ST PRIORITY MORTGAGE, INC. | 24 | 6.688% | $190,000 | 4.0% |
| NEWREZ LLC | 21 | 6.625% | $145,000 | 19.2% |
| KINECTA | 18 | 6.865% | $95,000 | 0.0% |
| Advantage Federal Credit Union | 16 | Not published | $125,000 | 40.7% |
| Fairway Independent Mortgage Corporation | 15 | 6.750% | $235,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 7.125% | $245,000 | 6.3% |
| JPMorgan Chase Bank, National Association | 14 | 6.615% | $215,000 | 22.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 6.624% | $245,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 5.995% | $210,000 | 13.3% |
| NATIONSTAR MORTGAGE LLC | 12 | 6.813% | $200,000 | 23.5% |
| Navy Federal Credit Union | 11 | 6.375% | $165,000 | 21.4% |
| Loandepot.Com, LLC | 11 | 7.125% | $75,000 | 14.3% |
| Bank of America, National Association | 10 | 6.490% | $105,000 | 54.6% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 25.7% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 33.3% |
| Pittsford Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICU Credit Union | 8 | Under 10 loans | Under 10 loans | 33.3% |
| RELIANCE FIRST CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 7 | Under 10 loans | Under 10 loans | 66.7% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 42.9% |
| HUNT MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 11.1% |
| HOMESTEAD FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Five Star Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Farm Credit East, ACA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINGER LAKES FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Savannah Bank National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NVR Mortgage Finance, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.9% |
| NBT Bank, National Association | 3 | Under 10 loans | Under 10 loans | 37.5% |
| TAMMAC HOLDINGS CORPORATION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Tompkins Community Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wayne Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 83.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 70.0% |
| Broadview Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 91.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CFCU COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Geddes Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Chemung Canal Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Deseret First Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEVELOPER'S MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OceanFirst Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MLD MORTGAGE INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Clearview Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Evans Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SEFCU SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Cathay Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Radiant Credit Union | 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 |
| 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 |
| PHH Mortgage Corporation | 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 Wayne County
14 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Lyons National Bank | 7 | $835.3 million |
| Community Bank, National Association | 2 | $186.0 million |
| Citizens Bank, National Association | 1 | $84.8 million |
| JPMorgan Chase Bank, National Association | 1 | $66.8 million |
| Savannah Bank National Association | 1 | $56.3 million |
| KeyBank National Association | 1 | $41.4 million |
| Woodforest National Bank | 1 | $2.6 million |
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When the next year’s lending figures are out for Wayne 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.