Mortgage lending in Monroe County, New York
Lenders in Monroe County, New York reported 23,022 mortgage applications for 2025, according to the CFPB.
23,022 mortgage applications and 15,921 loans originated in 2025; the denial rate was 18.3% of 20,248 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Rochester, NY MSA.
- 23,022
- Applications
- 15,921
- Loans originated
- 18.3%
- Denial rate
- 3,710 denied of 20,248 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 23,022 | 15,921 |
| 2024 | 21,300 | 14,764 |
| 2023 | 21,405 | 14,737 |
| 2022 | 26,668 | 18,591 |
| 2021 | 33,966 | 24,967 |
| 2020 | 31,071 | 22,683 |
| 2019 | 26,053 | 18,107 |
| 2018 | 24,909 | 17,182 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| ESL Federal Credit Union | 4,148 | 5,834 |
| Premium Mortgage Corporation | 1,916 | 2,093 |
| Genesee Regional Bank | 1,061 | 1,254 |
| Citizens Bank, NA | 647 | 1,169 |
| Rocket Mortgage | 646 | 925 |
| Hometown Funding, INC. D/B/A CNB Mortgage Company | 637 | 718 |
| The Summit Federal Credit Union | 525 | 871 |
| M&T Bank | 496 | 864 |
| Canandaigua National Bank & Trust | 443 | 553 |
| Primelending | 429 | 523 |
| Advantage Federal Credit Union | 378 | 704 |
| Family First of NY FCU | 319 | 386 |
| Pittsford Federal Credit Union | 255 | 322 |
| Lyons National Bank | 248 | 277 |
| 1ST Priority Mortgage, Inc. | 247 | 276 |
| Reliant Community Fcu | 206 | 312 |
| Crosscountry Mortgage, LLC | 199 | 251 |
| American Neighborhood Mortgage Acceptance Company | 185 | 213 |
| Keybank National Association | 176 | 338 |
| JPMorgan Chase Bank, NA | 158 | 263 |
| United Wholesale Mortgage | 148 | 196 |
| Fairway Independent Mort Corp | 147 | 161 |
| Bank of America NA | 142 | 375 |
| Community Bank, N.A. | 123 | 192 |
| Five Star Bank | 112 | 151 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 79 | 31.9% of 69 decided |
| Asian | 893 | 18.7% of 765 decided |
| Black or African American | 2,337 | 36.4% of 2,031 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 16,059 | 15.8% of 14,340 decided |
| 2 or more minority races | 47 | no rate: base under 50 |
| Joint | 362 | 19.1% of 320 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,203 | 17.2% of 2,646 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,396 | 30.3% of 1,231 decided |
| Not Hispanic or Latino | 18,244 | 17.6% of 16,212 decided |
| Joint | 347 | 17.8% of 309 decided |
| Ethnicity Not Available | 3,022 | 16.9% of 2,490 decided |
| Free Form Text Only | 13 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 7,939 | 20.6% of 6,863 decided |
| Female | 6,320 | 23.8% of 5,600 decided |
| Joint | 7,183 | 11.7% of 6,514 decided |
| Sex Not Available | 1,580 | 15.7% of 1,271 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1810 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved