Mortgage lending in Ontario County, New York
Lenders in Ontario County, New York reported 3,461 mortgage applications for 2025, according to the CFPB.
3,461 mortgage applications and 2,413 loans originated in 2025; the denial rate was 17.1% of 3,071 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Rochester, NY MSA.
- 3,461
- Applications
- 2,413
- Loans originated
- 17.1%
- Denial rate
- 524 denied of 3,071 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,461 | 2,413 |
| 2024 | 3,256 | 2,254 |
| 2023 | 3,141 | 2,122 |
| 2022 | 4,170 | 2,968 |
| 2021 | 5,748 | 4,311 |
| 2020 | 5,413 | 3,969 |
| 2019 | 4,169 | 2,937 |
| 2018 | 3,684 | 2,547 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| ESL Federal Credit Union | 358 | 477 |
| Lyons National Bank | 216 | 253 |
| Premium Mortgage Corporation | 214 | 238 |
| Canandaigua National Bank & Trust | 174 | 212 |
| Hometown Funding, INC. D/B/A CNB Mortgage Company | 149 | 163 |
| Reliant Community Fcu | 131 | 188 |
| Rocket Mortgage | 125 | 170 |
| Community Bank, N.A. | 92 | 136 |
| Genesee Regional Bank | 80 | 107 |
| Citizens Bank, NA | 66 | 101 |
| Primelending | 63 | 76 |
| Five Star Bank | 58 | 68 |
| Pittsford Federal Credit Union | 44 | 54 |
| NVR Mortgage Finance, Inc. | 39 | 47 |
| M&T Bank | 35 | 61 |
| Finger Lakes Federal Credit Union | 34 | 45 |
| 1ST Priority Mortgage, Inc. | 29 | 32 |
| The Summit Federal Credit Union | 26 | 37 |
| Crosscountry Mortgage, LLC | 25 | 42 |
| JPMorgan Chase Bank, NA | 21 | 36 |
| United Wholesale Mortgage | 20 | 24 |
| Empower Federal Credit Union | 19 | 23 |
| Triad Financial Services, Inc. | 18 | 91 |
| Newrez LLC | 15 | 31 |
| Family First of NY FCU | 14 | 24 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 36 | no rate: base under 50 |
| Black or African American | 52 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,981 | 16.6% of 2,658 decided |
| 2 or more minority races | under 10 | |
| Joint | 40 | no rate: base under 50 |
| Race Not Available | 338 | 19.3% of 296 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 59 | 25.4% of 55 decided |
| Not Hispanic or Latino | 3,004 | 16.6% of 2,675 decided |
| Joint | 45 | no rate: base under 50 |
| Ethnicity Not Available | 353 | 19.2% of 302 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,133 | 18.3% of 982 decided |
| Female | 782 | 22.0% of 709 decided |
| Joint | 1,363 | 12.5% of 1,222 decided |
| Sex Not Available | 183 | 22.1% of 158 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. 1611 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