Genesee Regional Bank NMLS #417491
At a glance
- HeadquartersRochester, NY
- Size1,717 home loans closed in 2025
- Loan typesConventional and FHA
What it closes
Share of its 2025 home loans: 87% Conventional, 10% FHA and 3% Other types.
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Who is Genesee Regional Bank?
Genesee Regional Bank (NMLS #417491) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerGenesee Regional Bank
- NMLS #417491
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Bank facts
Genesee Regional Bank held $1,309,654,000 in total assets as of June 30, 2026, per the FDIC (certificate 26333). The FDIC and NMLS records both place it in Rochester, New York. FDIC deposit insurance covers deposits held at the bank. It is the bank's coverage and does not extend to any mortgage.
About Genesee Regional Bank
Overview
Genesee Regional Bank is a bank and mortgage lender. The Federal Deposit Insurance Corporation is its primary regulator.
Mortgage options
In 2025 it made conventional, FHA and VA loans. Its loans that year were for home purchases, refinances and cash-out refinances.
Company details and licensing
The legal entity is Genesee Regional Bank, with headquarters at 1850 South Winton Rd in Rochester, New York. Its NMLS company ID is 417491. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #417491 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asGenesee Regional Bank
- 2025 home loan decisionsOf 1,953 applications decided by Genesee Regional Bank in 2025, 1,717 were originated, 125 were approved but not accepted by the borrower, and 111 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 94.3%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 180 applications were withdrawn by the borrower, 12 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.43 percentage points above the average prime offer rate (reported on 1,557 originations, 160 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$4,763.44 — originated closed-end household loans, 2025, 1,630 of 1,632 loans. FFIEC HMDA data browser.
- Median origination charges$1,550.00 — originated closed-end household loans, 2025, 1,630 of 1,632 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types1,496 Conventional, 173 FHA, 44 VA, 4 USDA — of 1,717 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Genesee Regional Bank — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Genesee Regional Bank's NMLS number?
Genesee Regional Bank's NMLS number is 417491. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Genesee Regional Bank's NMLS ID?
Yes. We checked Genesee Regional Bank's company name and NMLS ID against the NMLS record on October 10, 2026. They've been in our lender network since August 2015. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Genesee Regional Bank?
This page has Genesee Regional Bank's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.