Mortgage Update with Mike & Joe

July 2025

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike. July 2025: We’re in the heart of the summer market, and Mike and Joe are diving into the latest numbers to help you make sense of it all. In this episode of The Mortgage Update, they break down current trends in mortgage rates, buyer activity, and what’s shaping the Rochester housing market right now.  Whether you're a first-time homebuyer, real estate agent, or just staying informed, this episode has the insights you need to navigate today’s market.  This episode was filmed on July 18, 2025. All numbers and rates mentioned are accurate as of the filming date  – HELPFUL LINKS –  Register for the 2025 NYMBA Convention at: https://members.nymba.org/ap/Events/Register/WqFORkMfaCJCE All Info for United Way Live at:  https://unitedwayrocflx.org/news-events/united-way-live/ Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/  Mike Pulver, SVP, Director of Business Development NMLS#410020   Joe Leone, GVP, Residential Mortgage Manager NMLS#6780 Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.com Genesee Regional Bank | Member FDIC | NMLS#417491 [https://www.youtube.com/hashtag/417491] | Equal Housing Lender | www.grbbank.com Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020 Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

June 2025

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike. June 2025: It’s Homeownership Month, and there’s plenty to celebrate! In this episode of the Mortgage Update with Mike & Joe, we take a look at the latest market activity as we make our way into summer - and reflect on a record-breaking May here at GRB! Mike and Joe break down current rates, buyer activity, and what the latest trends mean for both buyers and real estate professionals in today’s market.  This episode was filmed on June 13, 2025. All numbers and rates mentioned are accurate as of the filming date  – HELPFUL LINKS –  Register for the 2025 NYMBA Convention at: https://members.nymba.org/ap/Events/Register/WqFORkMfaCJCE Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share  Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/  Mike Pulver, SVP, Director of Business Development NMLS#410020   Joe Leone, GVP, Residential Mortgage Manager NMLS#6780 Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.com Genesee Regional Bank | Member FDIC | NMLS#417491 [https://www.youtube.com/hashtag/417491] | Equal Housing Lender | www.grbbank.com Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020 Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

May 2025

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike. May 2025: In this month’s episode of the Mortgage Update with Mike & Joe, we take a look back at home sale statistics from 2015 to today. From pricing trends to market activity, Mike and Joe break down just how much the housing landscape has changed over the past decade. They also share the latest rate updates and insights as we hit the peak of the spring market.  This episode was filmed on May 5, 2025. All numbers and rates mentioned are accurate as of the filming date.  Home sale statistics data provided by UNYREIS via the GRAR website -https://www.grar.org/statistics/  – HELPFUL LINKS –  Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share  Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/  Mike Pulver, SVP, Director of Business Development NMLS#410020 Joe Leone, GVP, Residential Mortgage Manager NMLS#6780  Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.com Genesee Regional Bank | Member FDIC | NMLS#417491 [https://www.youtube.com/hashtag/417491] | Equal Housing Lender | www.grbbank.com Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020 Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

April 2025

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike.  April 2025: On this month’s episode of the Mortgage Update with Mike & Joe, we’re diving into what’s been happening in the market and how recent headlines may be causing uncertainty for buyers and sellers alike. Tune in for the latest rate trends, market insight, and helpful advice for navigating this spring real estate season. This episode was filmed on April 8, 2025. All numbers and rates mentioned are accurate as of the filming date.  - HELPFUL LINKS – Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share  Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage/loans/  Mike Pulver, SVP, Director of Business Development NMLS#410020  Joe Leone, GVP, Residential Mortgage Manager NMLS#6780  Genesee Regional Bank | Member FDIC | NMLS#417491 | Equal Housing Lender | www.grbbank.com Genesee Regional Bank | Member FDIC | NMLS#417491 [https://www.youtube.com/hashtag/417491] | Equal Housing Lender | www.grbbank.com Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020 Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

March 2025

Welcome to the Mortgage Update with Mike and Joe, featuring Mike Pulver, SVP, Director of Business Development, and Joe Leone, GVP, Residential Mortgage Manager! Our podcast airs monthly and presents a recap of the numbers and trends Mike and Joe have seen in the Upstate New York real estate market over the last month, plus gives some analysis on what's to come for agents and buyers alike.  March 2025: This month, Mike and Joe break down the latest February market trends, discuss GRB’s upcoming March Madness event, and introduce a new segment showcasing a ‘Big Win’ that highlights how the right lending partner can make all the difference. Tune in for this month's latest updates and insights!  This episode was filmed on March 10, 2025. All numbers and rates mentioned are accurate as of the filming date. * HELPFUL LINKS – GRB RateRelief+: https://www.grbbank.com/mortgage-prog... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa0FlN1lwZDNtSkltOW5wTVkxOU1JRU1aMDgzUXxBQ3Jtc0tuZVhOa0szX3RfNktvaHFScmluazJLc1VPRk9VY0ZfN2pXN21VOE5aM2VhSnh2UEx2QlJUNzEyeHQwTUJEc1pXN1BpdnJKbnA4d2d5YVI3dFpiRGF2bHc1LVBlR0ZUT1hBU3g0ZHVhbm5KZmtyMGN0Zw&q=https%3A%2F%2Fwww.grbbank.com%2Fmortgage-program%2Fraterelief-plus%2F&v=9dM2bDGZk-I] Audio Podcast (Spotify, Apple Podcasts, Google and more): https://www.buzzsprout.com/2122585/share [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa21wLXRzdHJZeDZicXk0bG45bEZ4eWV4N0ItZ3xBQ3Jtc0trVkhJZDJOTktja3lSajY5RGprVFdxQnJ0d2hoUV93S2FEUGh3WV8xYWt2UWRld1ZVNW9rbXRQa0JpNm1CQkRfNzlWTG1ST001SG9rMnFtVGliMHV4c2xTdU05cElTUXRMaHFxaURNTVJ1NFhQczJocw&q=https%3A%2F%2Fwww.buzzsprout.com%2F2122585%2Fshare&v=9dM2bDGZk-I] Genesee Regional Bank Home Mortgage: https://www.grbbank.com/home-mortgage... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbkd1SnEzOE9LZXhNSDdtc2o4MkZmc1BjWGc1UXxBQ3Jtc0trV1NkcVlmbnlxbENEdnpYa3FZUldoSU1nTW95NUhsSGdJQWk5OHZyTjdhTkxGbzFQTGdsanpXY0pyNmhkU0NLRzZ1Yl90YnFOMGdqYWRsMTdoTXBsLVg3LWZYRXU3akZXSmk2Uk5XZ0JPS19BdkM3dw&q=https%3A%2F%2Fwww.grbbank.com%2Fhome-mortgage%2Floans%2F&v=9dM2bDGZk-I] Mike Pulver, SVP, Director of Business Development NMLS#410020 [https://www.youtube.com/hashtag/410020] Joe Leone, GVP, Residential Mortgage Manager NMLS#6780 [https://www.youtube.com/hashtag/6780] Genesee Regional Bank | Member FDIC | NMLS#417491 [https://www.youtube.com/hashtag/417491] | Equal Housing Lender | www.grbbank.com Genesee Regional Bank | Member FDIC | NMLS#417491 [https://www.youtube.com/hashtag/417491] | Equal Housing Lender | www.grbbank.com Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020 Joe Leone, GVP, Mortgage Operations Manager NMLS#6780