Mortgage lending in Wayne County, New York
Lenders in Wayne County, New York reported 2,923 mortgage applications for 2025, according to the CFPB.
2,923 mortgage applications and 2,022 loans originated in 2025; the denial rate was 20.4% of 2,635 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Rochester, NY MSA.
- 2,923
- Applications
- 2,022
- Loans originated
- 20.4%
- Denial rate
- 537 denied of 2,635 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,923 | 2,022 |
| 2024 | 2,726 | 1,915 |
| 2023 | 2,679 | 1,774 |
| 2022 | 3,454 | 2,377 |
| 2021 | 4,358 | 3,136 |
| 2020 | 3,780 | 2,695 |
| 2019 | 3,277 | 2,225 |
| 2018 | 3,072 | 2,076 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| ESL Federal Credit Union | 317 | 447 |
| Reliant Community Fcu | 308 | 431 |
| Lyons National Bank | 209 | 246 |
| Premium Mortgage Corporation | 206 | 230 |
| Rocket Mortgage | 105 | 146 |
| Citizens Bank, NA | 85 | 133 |
| Community Bank, N.A. | 67 | 91 |
| Genesee Regional Bank | 66 | 86 |
| Primelending | 63 | 76 |
| Hometown Funding, INC. D/B/A CNB Mortgage Company | 57 | 64 |
| Canandaigua National Bank & Trust | 35 | 48 |
| Family First of NY FCU | 31 | 40 |
| The Summit Federal Credit Union | 28 | 47 |
| M&T Bank | 28 | 58 |
| Empower Federal Credit Union | 26 | 38 |
| 1ST Priority Mortgage, Inc. | 24 | 26 |
| Newrez LLC | 21 | 38 |
| Kinecta Federal Credit Union | 18 | 24 |
| Advantage Federal Credit Union | 16 | 30 |
| Fairway Independent Mort Corp | 15 | 17 |
| Crosscountry Mortgage, LLC | 15 | 16 |
| JPMorgan Chase Bank, NA | 14 | 25 |
| American Neighborhood Mortgage Acceptance Company | 13 | 14 |
| Nationstar Mortgage | 12 | 18 |
| Pennymac Loan Services LLC | 12 | 25 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 20 | no rate: base under 50 |
| Black or African American | 70 | 35.7% of 56 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,510 | 19.3% of 2,280 decided |
| 2 or more minority races | under 10 | |
| Joint | 45 | no rate: base under 50 |
| Race Not Available | 265 | 20.2% of 228 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 72 | 33.3% of 63 decided |
| Not Hispanic or Latino | 2,522 | 19.9% of 2,287 decided |
| Joint | 45 | no rate: base under 50 |
| Ethnicity Not Available | 284 | 20.0% of 245 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,080 | 24.2% of 948 decided |
| Female | 598 | 25.5% of 533 decided |
| Joint | 1,109 | 13.9% of 1,036 decided |
| Sex Not Available | 136 | 23.7% of 118 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. 2428 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