Mortgage lending in Monroe County
4,450 mortgages were originated in Monroe County, Pennsylvania, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,450
- Median rate
- 6.875%
- Median lender fees
- $6,707
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $215,000
- Above the going rate (spread over APOR)
- 0.489
- Paid discount points
- 38.9%
- Received lender credits
- 21.7%
- Purchases / refinances
- 50% / 30.9%
- Conventional / FHA / VA
- 77.8% / 16.1% / 5.8%
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 68.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $295,000
- That home, 20% down
- $236,000
A median-priced home with 20% down leaves $596,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Monroe County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 456 | $6,403 | 6.875% |
| United Shore Financial Services, LLC | 241 | $10,110 | 6.500% |
| Crosscountry Mortgage, Inc. | 231 | $8,296 | 6.875% |
| Citizens Bank, National Association | 143 | — | 7.650% |
| PNC Bank, National Association | 127 | — | 7.240% |
| ESSA Bank & Trust | 112 | $3,372 | 7.250% |
| Movement Mortgage, LLC | 102 | $7,944 | 6.750% |
| Pennymac Loan Services, LLC | 102 | $6,042 | 6.747% |
| Mortgage Research Center, LLC | 74 | $7,046 | 6.375% |
| Loandepot.Com, LLC | 72 | $7,052 | 6.990% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Monroe County — not a rule of thumb.
From 3,054 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers