Refinancing lenders in Yates County
49 refinancing mortgages were made in Yates County, New York, in 2025, by 24 lenders. The median rate their borrowers got was 6.990% on a median loan of $155,000. Of 65 decisions, 13 were denials — 20.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Lyons National Bank | 12 | 7.138% | $215,000 | 0.0% |
| SERVU FEDERAL CREDIT UNION | 11 | Not published | $165,000 | 21.4% |
| Community Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Five Star Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ESL Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CORNING CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| FINGER LAKES FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Genesee Regional Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Wayne Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Canandaigua National Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase 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.
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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.