Mortgage lending in Rochester, NY
22,177 mortgages were originated in the Rochester, NY area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 22,177
- Median rate
- 6.750%
- Median lender fees
- $4,262
- Median loan amount
- $155,000
- Median spread over APOR
- 0.309
- Paid discount points
- 20.5%
- Received lender credits
- 13%
- Purchases / refinances
- 43.1% / 23%
- Conventional / FHA / VA
- 91.7% / 5.9% / 2.3%
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 54.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Rochester, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ESL Federal Credit Union | 5,208 | $3,026 | 4.500% |
| PREMIUM MORTGAGE CORPORATION | 2,538 | $4,099 | 6.625% |
| Genesee Regional Bank | 1,265 | $4,679 | 6.875% |
| Rocket Mortgage, LLC | 986 | $5,796 | 6.875% |
| HOME TOWN FUNDING, INC. | 897 | $3,911 | 6.750% |
| Citizens Bank, National Association | 831 | $4,713 | 8.400% |
| The Canandaigua National Bank and Trust Company | 688 | — | 7.750% |
| The Lyons National Bank | 683 | $3,614 | 6.990% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 657 | — | 7.390% |
| Manufacturers and Traders Trust Company | 631 | $5,030 | 5.990% |