Purchase Originations
1,420
Ranked #296 nationally
Median Total Costs
$4,703
−29.6% vs national ($6,680)
↑ $287 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,550
Median Lender Credits
$600
Cost Rank (500+ vol.)
#166
among lenders with 500+ originations
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,201 | 6.875% | $4,560 | $1,550 |
| fha | 171 | 6.625% | $7,587 | $1,550 |
| va | 44 | 6.500% | $8,851 | $1,696 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,192 | 6.625% | — | 11 | −$511 | |
| 2 | $4,419 | 6.625% | — | 28 | −$284 | |
| 3 | $4,484 | 6.500% | — | 6 | −$219 | |
| 4 | $4,535 | 6.812% | — | 56 | −$168 | |
| 5 | $4,583 | 6.750% | — | 100 | −$120 | |
| 6 | $4,594 | 6.812% | — | 54 | −$109 | |
| 7 | $4,633 | 6.750% | — | 908 | −$70 | |
| 8 | $4,641 | 6.875% | — | 15 | −$62 | |
| 9 | $4,648 | 7.000% | — | 23 | −$55 | |
| 10 | $4,770 | 6.750% | — | 33 | +$67 | |
| 11 | $4,802 | 6.875% | — | 7 | +$99 | |
| 12 | $4,914 | 6.938% | — | 6 | +$211 | |
| 13 | $5,352 | 6.750% | — | 7 | +$649 | |
| 14 | $5,373 | 6.812% | — | 16 | +$670 | |
| 15 | $5,451 | 7.188% | — | 6 | +$748 | |
| 16 | $5,599 | 6.750% | — | 7 | +$896 | |
| 17 | $5,705 | 6.875% | — | 15 | +$1,002 | |
| 18 | $6,455 | 7.062% | — | 6 | +$1,752 | |
| 19 | $6,762 | 6.625% | — | 22 | +$2,059 | |
| 20 | $8,581 | 6.500% | — | 45 | +$3,878 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Genesee Regional Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $4,703 | $7,127 | −$2,424 (−34.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.