Mortgage Lenders and Brokers in Rochester, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Rochester, New York mortgage lenders include Genesee Regional BankGenesee Regional Bank1850 Winton Rd S, Rochester, NY 14618A+5.0 ★Texas Ratio: 3.91%, ESL Federal Credit UnionESL Federal Credit Union100 Canal View Blvd, Rochester, NY 14623, Advantage Federal Credit UnionAdvantage Federal Credit Union225 W Broad St, Rochester, NY 14608A+5.0 ★Texas Ratio: 3.72%, Community Bank, N.A.Community Bank, N.A.20 Wildbriar Rd, Rochester, NY 14623A+5.0 ★Texas Ratio: 3.83%, Keybank National AssociationKeybank National Association100 Bausch And Lomb Pl, Rochester, NY 14604A+5.0 ★Texas Ratio: 4.81%, M&T BankM&T Bank1525 Scottsville Rd, Rochester, NY 14623A+5.0 ★Texas Ratio: 4.11%, Five Star BankFive Star Bank3177 Chili Ave, Rochester, NY 14624A+5.0 ★Texas Ratio: 5.67%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2130 Chili Ave, Rochester, NY 14624A+5.0 ★Texas Ratio: 3.68%, The Summit Federal Credit UnionThe Summit Federal Credit Union100 MARINA DR, ROCHESTER, NY 14626 5104A+5.0 ★Texas Ratio: 2.28%, and Family First of NY FCUFamily First of NY FCU2520 Browncroft Blvd, Rochester, NY 14625A+5.0 ★Texas Ratio: 4.01%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Rochester, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rochester are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Rochester, New York
Market share is the lender's share of all home loans closed in Rochester, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Rochester 1850 Winton Rd S, Rochester, NY 14618 A+5.0 ★Texas Ratio: 3.91% |
Conventional, FHA, VA | 224 | 13.1% | 95.2% | $189,464 | View |
ESL Federal Credit Union
100 Canal View Blvd, Rochester, NY 14623 |
Conventional, FHA, VA, HELOC | 197 +429 HELOCs |
11.5% | 71.7% | $115,000 | |
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225 W Broad St, Rochester, NY 14608 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 70 | 4.1% | 49.3% | $110,714 | View |
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3 offices in Rochester 20 Wildbriar Rd, Rochester, NY 14623 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 66 +1 HELOCs |
3.8% | 77.6% | $149,696 | View |
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11 offices in Rochester 100 Bausch And Lomb Pl, Rochester, NY 14604 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, VA, HELOC | 46 +1 HELOCs |
2.7% | 61.3% | $126,956 | View |
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7 offices in Rochester 1525 Scottsville Rd, Rochester, NY 14623 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, VA, HELOC | 39 +54 HELOCs |
2.3% | 77.8% | $145,512 | View |
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4 offices in Rochester 3177 Chili Ave, Rochester, NY 14624 A+5.0 ★Texas Ratio: 5.67% |
Conventional, FHA, HELOC | 38 +6 HELOCs |
2.2% | 91.1% | $130,000 | View |
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8 offices in Rochester 2130 Chili Ave, Rochester, NY 14624 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 33 +3 HELOCs |
1.9% | 84.6% | $150,454 | View |
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100 MARINA DR, ROCHESTER, NY 14626 5104 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 32 +40 HELOCs |
1.9% | 58.9% | $93,437 | View |
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2520 Browncroft Blvd, Rochester, NY 14625 A+5.0 ★Texas Ratio: 4.01% |
Conventional, HELOC | 24 +21 HELOCs |
1.4% | 92.3% | $124,583 | View |
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8 offices in Rochester 1500 Hudson Ave, Rochester, NY 14621 A+5.0 ★Texas Ratio: 4.14% |
Conventional, FHA, HELOC | 10 +10 HELOCs |
0.6% | 55.6% | $142,000 | View |
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11 offices in Rochester 1225 Jefferson Rd, Rochester, NY 14623 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 9 +104 HELOCs |
0.5% | 60% | $87,222 | View |
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9 offices in Rochester 45 E Main St, Rochester, NY 14614 A5.0 ★Texas Ratio: 7.08% |
Conventional, HELOC | 7 +32 HELOCs |
0.4% | 87.5% | $53,571 | View |
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★ 5 stars, 1 review 1 office in Rochester 604 Main St, Arcade, NY 14009 A5.0 ★Texas Ratio: 6.37% |
Conventional, HELOC | 6 +1 HELOCs |
0.3% | 100% | $163,333 | View |
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1 office in Rochester 860 Long Pond Rd, Rochester, NY 14612 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 3 +3 HELOCs |
0.2% | 100% | $58,333 | View |
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824 E Ridge Rd, Rochester, NY 14621 A5.0 ★Texas Ratio: 10.53% |
Conventional | 2 | 0.1% | 100% | $130,000 | View |
Premium Mortgage Corporation
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Conventional, FHA, VA | 243 | 14.2% | 96.1% | $204,218 | |
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625 Titus Ave, Rochester, NY 14617 3918 A+5.0 ★Texas Ratio: 2.46% |
Conventional, HELOC | 29 +6 HELOCs |
1.7% | 65.9% | $96,034 | View |
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★ 5 stars, 1 review 311 Grant Avenue Rd, Auburn, NY 13021 A+5.0 ★Texas Ratio: 4.04% |
Conventional, HELOC | 26 +2 HELOCs |
1.5% | 100% | $135,384 | View |
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1321 Pittsford Mendon Rd, Mendon, NY 14506 9733 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 8 +5 HELOCs |
0.5% | 100% | $190,000 | View |
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2118 Hudson Ave, Rochester, NY 14617 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 7 | 0.4% | 100% | $99,285 | View |
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180 N Main St, Alfred, NY 14802 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 3 | 0.2% | 100% | $51,666 | View |
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1130 E Main St, Rochester, NY 14609 A+5.0 ★Texas Ratio: 5.30% |
Conventional, HELOC | 2 +2 HELOCs |
0.1% | 60% | $60,000 | View |
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70 S Main St, Fairport, NY 14450 2136 A+5.0 ★Texas Ratio: 0.40% |
Conventional | 2 | 0.1% | 66.7% | $275,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
FHA | 2 | 0.1% | 25% | $160,000 | View |
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65 state st, Auburn, NY 13021 A5.0 ★Texas Ratio: 7.78% |
Conventional | 2 | 0.1% | 100% | $160,000 | View |
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1275 Lexington Ave, Rochester, NY 14606 C3.8 ★Texas Ratio: 29.04% |
Conventional | 2 | 0.1% | 100% | $115,000 | View |
Teachers Federal Credit Union
355 Broadway, Amityville, NY 11701 |
Conventional | 1 | 0.1% | 100% | $225,000 | |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional | 1 | 0.1% | 100% | $415,000 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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4839 State Highway 30, Amsterdam, NY 12010 A5.0 ★Texas Ratio: 6.03% |
Conventional | 1 | 0.1% | 100% | $95,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.1% | 100% | $585,000 | View |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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84 Canal St, Big Flats, NY 14814 8968 A+5.0 ★Texas Ratio: 3.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Hometown Funding, INC. D/B/A CNB Mortgage Company
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Conventional, FHA, Jumbo | 64 | 3.7% | 97.1% | $213,437 | |
1St Priority Mortgage, Inc.
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Conventional, FHA | 33 | 1.9% | 89.2% | $177,727 | |
Homestead Funding Corp.
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Conventional, FHA | 12 | 0.7% | 86.7% | $110,000 | |
Hunt Mortgage Corporation
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Conventional, FHA | 6 | 0.3% | 75% | $176,666 | |
Evans Bank NA
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Conventional | 4 | 0.2% | 100% | $120,000 | |
Reliance First Capital, LLC
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Conventional, FHA | 4 | 0.2% | 66.7% | $180,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Reliant Home Funding, Inc
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Conventional | 1 | 0.1% | 100% | $255,000 | |
First Credit Corporation of Ny, Inc.
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Conventional | 1 | 0.1% | 66.7% | $55,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 132 | 7.7% | 68.9% | $143,484 | |
Primelending
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Conventional, FHA, VA | 77 | 4.5% | 94.3% | $189,415 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 35 | 2% | 94.7% | $199,571 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 30 | 1.7% | 96.9% | $189,333 | |
United Wholesale Mortgage
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Conventional, FHA | 25 | 1.5% | 83.3% | $186,200 | |
Fairway Independent Mort Corp
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Conventional, FHA | 20 | 1.2% | 100% | $206,000 | |
loanDepot.com LLC
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Conventional, FHA | 12 | 0.7% | 52.2% | $101,666 | |
Credit Union Mortgage Associat
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Conventional | 11 | 0.6% | 78.6% | $124,090 | |
Cmg Mortgage Inc
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Conventional, FHA, HELOC | 10 +1 HELOCs |
0.6% | 90.9% | $157,000 | |
Newrez LLC
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Conventional, FHA, VA | 10 | 0.6% | 43.5% | $151,000 | |
Nationstar Mortgage
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Conventional, FHA | 10 | 0.6% | 90.9% | $149,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 8 | 0.5% | 90.9% | $147,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 0.5% | 88.9% | $216,250 | |
Mortgage Research Center
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FHA, VA | 8 | 0.5% | 72.7% | $156,250 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +3 HELOCs |
0.3% | 41.7% | $127,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 5 | 0.3% | 50% | $139,000 | View |
Royal United Mortgage LLC
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Conventional, FHA | 5 | 0.3% | 60% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 4 | 0.2% | 100% | $170,000 | View |
Discover Bank
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Conventional | 3 | 0.2% | 16.7% | $45,000 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.2% | 100% | $168,333 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA, VA | 3 | 0.2% | 100% | $175,000 | View |
Plaza Home Mortgage, Inc
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FHA | 3 | 0.2% | 50% | $138,333 | |
Kinecta Federal Credit Union
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Conventional, HELOC | 2 +9 HELOCs |
0.1% | 66.7% | $105,000 | |
Valon Mortgage
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Conventional | 2 | 0.1% | 100% | $155,000 | |
Webster Five Cents Savings Bank
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Conventional | 2 | 0.1% | 100% | $155,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 0.1% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 33.3% | $45,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $145,000 | |
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A+5.0 ★Texas Ratio: 4.93% |
FHA | 1 | 0.1% | 100% | $35,000 | View |
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D3.5 ★Texas Ratio: 32.93% |
VA | 1 | 0.1% | 100% | $135,000 | View |
Nbkc Bank
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Conventional | 1 | 0.1% | 50% | $95,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $125,000 | |
Norwich Commercial Group Inc
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Conventional | 1 | 0.1% | 100% | $215,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.1% | 100% | $85,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 100% | $185,000 | |
American Financing Corporation
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Conventional | 1 | 0.1% | 16.7% | $65,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.1% | 50% | $105,000 | View |
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A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.1% | 100% | $95,000 | View |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.1% | 100% | $85,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.1% | 37.5% | $75,000 | |
Texana Bank
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VA | 1 | 0.1% | 50% | $465,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Rochester Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Rochester, New York
Looking for mortgage lenders near me or mortgage brokers near me in Rochester? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rochester in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rochester, NY
Use these to narrow the list above. Each category shows how many Rochester, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Rochester, NY
Independent mortgage companies closed 36.8 percent of home loans in Rochester, New York in 2025, banks 40.1 percent and credit unions 23.1 percent. Premium Mortgage Corporation was the largest mortgage company, Genesee Regional Bank the largest bank and ESL Federal Credit Union the largest credit union. Among lenders headquartered in New York, Genesee Regional Bank led with 224 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Rochester, NY
By home loans closed in 2025, Genesee Regional Bank was the largest mortgage lender in Rochester, New York with 224 loans, about 13.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Rochester, New York, Hometown Funding, INC. D/B/A CNB Mortgage Company approved the highest share of completed applications in 2025 at 97.1 percent, against a 78.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
37 lenders closed FHA loans in Rochester, New York in 2025, led by Rocket Mortgage with 42. 20 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 32 banks and 24 credit unions closed home loans in Rochester, New York in 2025, alongside 33 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Rochester, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Rochester, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Rochester. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
