Lender in New York · HMDA 2025
Genesee Regional Bank mortgages in New York
Genesee Regional Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Genesee Regional Bank originated 1,428 owner-occupied single-family loans in New York from 1,611 completed applications, making it the state's #21 lender by volume.
Its median conventional purchase loan costs were $4,550 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.875% (New York: 6.50%).
Loans in NY
1,428
of 1,611 applications
Denial rate
4.6%
Purchase · NY 9.5%
Rate spread
+0.39 pts
Conv. · NY +0.07 pts
Loan amount
$225,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,529 | 1,368 | 4.6% | 6.875% | +0.39 pts | $4,550 | $225,000 |
| Refinance | 52 | 38 | 9.6% | 6.500% | +0.33 pts | $5,630 | $305,000 |
| Cash-out refinance | 30 | 22 | 13.3% | — | +0.68 pts | $5,480 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Genesee Regional Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Monroe County | 2 | 949 | 12.9% |
| Livingston County | 4 | 38 | 8.0% |
| Genesee County | 4 | 23 | 4.8% |
| Ontario County | 5 | 58 | 5.5% |
| Wayne County | 5 | 56 | 6.2% |
| Cayuga County | 5 | 27 | 4.9% |
| Franklin County | 7 | 5 | 2.4% |
| Orleans County | 8 | 13 | 3.8% |
| Jefferson County | 10 | 41 | 3.6% |
| Yates County | 10 | 6 | 3.5% |
| Seneca County | 11 | 6 | 2.7% |
| Madison County | 13 | 14 | 2.4% |
| Cortland County | 13 | 6 | 1.9% |
| Onondaga County | 14 | 102 | 2.4% |
| Steuben County | 15 | 10 | 1.3% |
| Otsego County | 15 | 6 | 1.5% |
| Oswego County | 18 | 19 | 1.8% |
| St. Lawrence County | 21 | 4 | 0.7% |
| Allegany County | 22 | 2 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology