Mortgage lending in Monroe County
15,921 mortgages were originated in Monroe County, New York, in 2025.
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
- 15,921
- Median rate
- 6.750%
- Median lender fees
- $4,299
- Median loan amount
- $155,000
- Median spread over APOR
- 0.300
- Paid discount points
- 19.9%
- Received lender credits
- 12.6%
- Purchases / refinances
- 43.8% / 22.9%
- Conventional / FHA / VA
- 92.6% / 5.5% / 1.9%
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 53.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Monroe County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ESL Federal Credit Union | 4,148 | $3,092 | 4.500% |
| PREMIUM MORTGAGE CORPORATION | 1,916 | $4,088 | 6.625% |
| Genesee Regional Bank | 1,061 | $4,665 | 6.875% |
| Citizens Bank, National Association | 647 | $4,582 | 8.400% |
| Rocket Mortgage, LLC | 646 | $5,845 | 6.750% |
| HOME TOWN FUNDING, INC. | 637 | $3,909 | 6.875% |
| THE SUMMIT Federal Credit Union | 525 | — | 7.250% |
| Manufacturers and Traders Trust Company | 496 | $5,016 | 5.990% |
| The Canandaigua National Bank and Trust Company | 443 | — | 7.750% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 429 | $5,354 | 6.875% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Monroe County — not a rule of thumb.
From 8,506 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers