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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

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...

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...

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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

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.

February 2025: This month, Mike & Joe break down the latest market numbers, discuss the impact of the CPI report, and clear up misconceptions about our Cash+ Guarantee Program—showing why it’s a game-changer for buyers.

This episode was filmed on February 12, 2025. All numbers and rates mentioned are accurate as of the filming date.

• HELPFUL LINKS –
  
  

 GRB Cash+ Guarantee: https://www.grbbank.com/mortgage-prog...

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...

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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

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. 

January 2025: In this episode, Mike and Joe kick off the new year by discussing Buffalo Bills playoff predictions, reflecting on the new product updates introduced in 2024, and breaking down the latest market trends. They’ll also highlight the upcoming Mortgage Bankers Association (MBA) Economic Forecast Forum happening on January 30 and what it could mean for 2025.

This episode was filmed on January 8, 2025. All numbers and rates mentioned are accurate as of the filming date. 

- HELPFUL LINKS - 
GRB Homebuyer Dream: https://www.grbbank.com/mortgage-program/homebuyer-dream/

MBA Greater Rochester Economic Forecast Forum: https://mbarochester.com/store-2/2025-economic-forecast-forum/

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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

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. 

December 2024: In the final episode of 2024, Mike and Joe share their holiday and end-of-year traditions while diving into details on preparing for the 2025 Homebuyer Dream Program. They also break down the latest market trends for November.

This episode was filmed on December 11, 2024. All numbers and rates mentioned are accurate as of the filming date.

- HELPFUL LINKS - 
GRB Homebuyer Dream: https://www.grbbank.com/mortgage-program/homebuyer-dream/

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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

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 last month, plus gives some analysis on what's to come for agents and buyers alike.

November 2024: Mike and Joe kick off this episode talking about the upcoming Thanksgiving holiday and read a special poem to the listeners! In addition to the holiday traditions, we talk about the latest market trends we saw in October and the latest news around rates. Plus hear about upcoming program releases and how GRB is ready to support realtors and buyers for the coming year! This episode was filmed on 11/8/2024. All numbers and rates are accurate as of 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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780

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 last month, plus gives some analysis on what's to come for agents and buyers alike.

October 2024: Not only is it officially spooky season, it's Cybersecurity Awareness Month! Mike & Joe welcome Megan Antonitto, GRB's own head of Risk Management, to talk about cybersecurity best practices and common scams seen by homeowners. Listen in to hear about Mike & Joe's favorite Halloween traditions, scary Buffalo Bills scores, and the latest market data.

Send in your submission for the listener challenge at: https://www.grbbank.com/mike-joe-market-update/

This episode was filmed on 10/4/2024. All numbers and rates are accurate as of filming date.


- HELPFUL LINKS - 

Banks Never Ask That: https://www.banksneveraskthat.com/
GRB's Security Resources: https://www.grbbank.com/rochester-community-bank/security-resources/

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 | Equal Housing Lender | www.grbbank.com

Mike Pulver, SVP, Residential Mortgage Manager NMLS#410020
Joe Leone, GVP, Mortgage Operations Manager NMLS#6780