# Genesee Regional Bank

> **Canonical URL:** https://saferate.com/lenders/genesee-regional-bank

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Genesee Regional Bank is a bank, headquartered in Rochester, NY, serving borrowers across 2 states, with 1,493 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300VUQ4KD10YTTM53
- **Headquarters:** Rochester, NY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, NY
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.505%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,920
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,493
- **Dollar Volume:** $350 million
- **Applications Received:** 1,782
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $234,324
- **Average Borrower Income:** $126,606

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (69%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (69%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 1,281 | +0.486% | $1,917 | Exceptional 🤩 |
| FHA | 74/100 | 150 | +0.783% | $1,752 | Strong 😀 |
| VA | 70/100 | 47 | +0.156% | $2,094 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,237 loans, Score: 82/100 (Exceptional)
- Refinance: 44 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 147 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 47 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 1,446 | $338M | +0.504% | Exceptional 🤩 |
| Refinance | 55/100 | 47 | $12M | +0.539% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 1,480 | 1.31% | 91/100 |
| FL | 13 | 0.00% | 34/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Rochester, NY | NY | 1,118 | 95/100 |
| Syracuse, NY | NY | 171 | 78/100 |
| Non |  | 116 | 51/100 |
| Watertown | NY | 37 | 69/100 |
| Utica | NY | 19 | 52/100 |

## Frequently Asked Questions

### What loan types does Genesee Regional Bank offer?

Genesee Regional Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Genesee Regional Bank offer mortgages?

Genesee Regional Bank offers mortgages in 2 states: FL, NY.

### How competitive are Genesee Regional Bank's mortgage rates?

Genesee Regional Bank has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.505% above market average.

### What type of lender is Genesee Regional Bank?

Genesee Regional Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Rochester, NY.

### What is Genesee Regional Bank's loan approval success rate?

Genesee Regional Bank has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/genesee-regional-bank

### How to Cite

> "Genesee Regional Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/genesee-regional-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/genesee-regional-bank)**