Mortgage lending in Yates County, New York

Lenders in Yates County, New York reported 580 mortgage applications for 2025, according to the CFPB.

580 mortgage applications and 416 loans originated in 2025; the denial rate was 15.2% of 505 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: Yates County, NY.

580
Applications: 416
Loans originated: 15.2%
Denial rate: 77 denied of 505 applications decided.

Every year

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Mortgage applications and loans originated in Yates County, New York, by year
Year	Applications	Originated	Denied
2025	580	416	77
2024	599	430	88
2023	561	421	67
2022	766	560	101
2021	998	730	136
2020	939	696	115
2019	777	535	118
2018	696	481	113

The largest lenders here

Lenders in Yates County, New York by loans originated, 2025
Lender	Originated	Applications
Lyons National Bank	101	113
Hometown Funding, INC. D/B/A CNB Mortgage Company	44	50
ServU Federal Credit Union	35	45
Community Bank, N.A.	28	46
ESL Federal Credit Union	18	29
Premium Mortgage Corporation	17	21
Rocket Mortgage	16	27
Five Star Bank	14	20
Genesee Regional Bank	13	15
Wayne Bank	13	29
Corning Credit Union	12	14
Primelending	11	13
Reliant Community Fcu	11	17
Farm Credit East ACA	11	12
Canandaigua National Bank & Trust	10	13
Empower Federal Credit Union	4	6
Mortgage Research Center	3	5
United Wholesale Mortgage	3	3
Visions Federal Credit Union	3	5
Bank of America NA	3	5
M&T Bank	3	3
American Financial Network, Inc.	2	2
Hunt Mortgage Corporation	2	3
NBT Bank NA	2	2
Newrez LLC	2	4

Applications by race, ethnicity and sex, 2025

By race, Yates County, New York: applications and denial rate
Category	Applications	Denial rate
American Indian or Alaska Native	under 10
Asian	under 10
White	519	15.4% of 454 decided
Joint	under 10
Race Not Available	47	no rate: base under 50

By ethnicity, Yates County, New York: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	507	15.3% of 444 decided
Joint	withheld
Ethnicity Not Available	52	no rate: base under 50

By sex, Yates County, New York: applications and denial rate
Category	Applications	Denial rate
Male	207	15.4% of 169 decided
Female	118	22.2% of 108 decided
Joint	232	11.1% of 207 decided
Sex Not Available	23	no rate: base under 50

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. 1612 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 October 22, 2026