Applications / Mortgage Analytics / Lenders / New York / Genesee Regional Bank
Rochester, NY · State non-member bank · FDIC · $1.3 billion assets · 1,717 loans in 2025
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1,717
loans originated, 2025
2,145
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Genesee Regional Bank is almost purely a home-purchase lender, ranked 3 of 251 lenders in Rochester, with more of its loans to LMI borrowers than nearly nine in ten similar lenders.
Home purchases made up 94.2% of its loans and refinances the other 5.8%. FHA (insured by the Federal Housing Administration) loans were 10.1%, against 2.7% at similar lenders (state non-member banks making between half and twice as many loans), higher than about five in six of them. Its higher-priced share (a rate well above the average for similar loans) was 2.1% against 1.5%, a gap its FHA lending may account for.
LMI (low- and moderate-income) borrowers took 38.3% of its loans, against 27.7% at similar lenders, higher than nearly nine in ten of them. Loans in LMI areas were 19.9%, against 15.7%, higher than about three in four. Its home-purchase denial rate, 4.8%, was lower than peers' 6.4%.
In Rochester it ranked 3 of 251 lenders with 6.7% of the market, behind Premium Mortgage and ESL Federal Credit Union, little changed from 6.9% the year before. In Watertown-Fort Drum its share rose 0.5 points to 2.9%, ranking 10 of 106.
Originations rose 11% to 1,717, close to similar lenders' 12% and the whole market's 10%. Jumbo loans (larger than the conforming limit) were only 0.4% of its lending, against 2.6% at peers, among the lowest tenth.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Genesee Regional Bank took 2,145 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 94.2% · Refinance 5.8%
Conventional 87.1% · FHA 10.1% · VA 2.6% · USDA (RHS or FSA) 0.2% · of 1,717 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 1,705 | 99.3% |
| Florida | 12 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 1,265 |
| Syracuse | 179 |
| Watertown-Fort Drum | 53 |
| Utica-Rome | 18 |
| Buffalo-Cheektowaga | 16 |
| Albany-Schenectady-Troy | 5 |
| Jacksonville | 2 |
| North Port-Bradenton-Sarasota | 2 |
| Binghamton | 1 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VUQ4KD10YTTM53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 852704 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326333 | 1991–2017 |
Established 12 August 1985. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Genesee Regional Bank's data.
Genesee Regional Bank's data
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Genesee Regional Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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