Genesee Regional Bank mortgage approval rate & lending review
Genesee Regional Bank decided 4,437 mortgage applications and funded 3,961 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Genesee Regional Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Genesee Regional Bank at a glance
Approval is 8.5 points above the 86.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 3,539 / 3,686 | 95% | $215K | 3,345 |
| Cash-out refinance | 88% | 60 / 68 | 85% | $195K | 51 |
| Refinance | 91% | 60 / 66 | 83% | $305K | 50 |
| Investment property purchase | 93% | 477 / 511 | 92% | $155K | 437 |
| Investment cash-out refinance | 89% | 84 / 94 | 81% | $155K | 68 |
Genesee Regional Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Genesee Regional Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, NY | Mortgage lenders | 97% | 2,669 | 2,471 |
| Onondaga County, NY | Mortgage lenders | 93% | 445 | 394 |
| Monroe County, NY | Investment property purchase | 93% | 270 | 230 |
| Ontario County, NY | Mortgage lenders | 99% | 201 | 181 |
| Jefferson County, NY | Mortgage lenders | 94% | 126 | 104 |
| Onondaga County, NY | Investment property purchase | 91% | 97 | 84 |
| Oswego County, NY | Mortgage lenders | 90% | 97 | 73 |
| Ontario County, NY | Investment property purchase | 96% | 68 | 58 |
| Monroe County, NY | Investment cash-out refinance | 97% | 59 | 50 |
| Monroe County, NY | Refinance | 90% | 52 | 41 |
| Oneida County, NY | Mortgage lenders | 91% | 47 | 38 |
| Monroe County, NY | Cash-out refinance | 89% | 47 | 37 |
The county markets where Genesee Regional Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Genesee Regional Bank
What is Genesee Regional Bank's mortgage approval rate?
Genesee Regional Bank approved 95.3% of the 4,437 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.5 points above the 86.8% national rate for the same mix of loan types.
How often do borrowers take the loan Genesee Regional Bank offers?
Borrowers accepted 94% of the loans Genesee Regional Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Genesee Regional Bank make?
The typical home purchase mortgage loan Genesee Regional Bank made was $215K; across all loan types its typical loan ran from $155K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Genesee Regional Bank lend?
Genesee Regional Bank decided applications in 2 of the states Fat Boy Data covers, most of them in New York and Florida.
Can I apply to Genesee Regional Bank directly?
Yes. Genesee Regional Bank is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Genesee Regional Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Genesee Regional Bank treats applications, then get a rate quote from the lender.