Mortgage lending in Wayne County
2,022 mortgages were originated in Wayne County, New York, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,022
- Median rate
- 6.875%
- Median lender fees
- $3,935
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $125,000
- Above the going rate (spread over APOR)
- 0.339
- Paid discount points
- 20.7%
- Received lender credits
- 14.2%
- Purchases / refinances
- 39.7% / 23.5%
- Conventional / FHA / VA
- 89.8% / 6.9% / 2.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 59% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $290,000
- That home, 20% down
- $232,000
A median-priced home with 20% down leaves $600,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Wayne County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ESL Federal Credit Union | 317 | $2,506 | 4.500% |
| Reliant Community Federal Credit Union | 308 | — | 7.240% |
| The Lyons National Bank | 209 | $3,527 | 6.790% |
| Premium Mortgage Corporation | 206 | $4,148 | 6.625% |
| Rocket Mortgage, LLC | 105 | $5,747 | 6.875% |
| Citizens Bank, National Association | 85 | — | 8.400% |
| Community Bank, National Association | 67 | — | 7.000% |
| Genesee Regional Bank | 66 | $4,672 | 6.875% |
| Primelending, A Plainscapital Company | 63 | $5,446 | 6.750% |
| Home Town Funding, Inc. | 57 | — | 6.750% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Wayne County — not a rule of thumb.
From 1,192 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers