What people paid for mortgages in Monroe County, NY (2025)

Across 6,032 closed home-purchase loans in 2025, the median interest rate in Monroe was 6.625%, and the middle half of borrowers got between 6.375% and 6.875%. Median total loan costs ran $4,419 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.375%–6.875%
Median total loan costs: $4,419
Median loan amount: $225,000

6,032 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.75%–6.99%
Median total loan costs: $5,737
Median loan amount: $175,000

2,043 loans, 2025.

Lowest median rates in Monroe (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Bank of America, National Association5.99%38 loans, median costs $1,880
2.FAMILY FIRST OF NY6.25%70 loans, median costs $3,521
3.NVR Mortgage Finance, Inc.6.25%51 loans, median costs $10,313
4.Mortgage Research Center, LLC6.25%36 loans, median costs $5,471
5.Manufacturers and Traders Trust Company6.375%91 loans, median costs $4,691

Among lenders with at least 30 closed purchase loans in Monroe County in 2025.

Refinance

1.ESL Federal Credit Union4.5%348 loans, median costs $3,081
2.PENNYMAC LOAN SERVICES, LLC6.124%62 loans, median costs $8,925
3.Manufacturers and Traders Trust Company6.125%96 loans, median costs $6,333
4.Rocket Mortgage, LLC6.25%375 loans, median costs $7,172
5.Loandepot.Com, LLC6.25%40 loans, median costs $7,867

Among lenders with at least 30 closed refinance loans in Monroe County in 2025.

Lender by lender in Monroe

Every lender that closed at least 5 qualifying loans in Monroe County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	PREMIUM MORTGAGE CORPORATION	1,718	6.625%	$4,099	$1,450	$592
2	Genesee Regional Bank	908	6.75%	$4,633	$1,550	$895
3	ESL Federal Credit Union	506	6.5%	$3,749	$1,966	$619
4	HOME TOWN FUNDING, INC.	365	6.625%	$3,785	$995	$1,560
5	PRIMELENDING, A PLAINSCAPITAL COMPANY	341	6.75%	$5,385	$2,160	$1,101
6	1ST PRIORITY MORTGAGE, INC.	238	6.5%	$4,710	$2,220	$968
7	CROSSCOUNTRY MORTGAGE, INC.	159	6.95%	$5,904	$2,539	$990
8	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	153	6.75%	$6,283	$2,870	$1,675
9	Fairway Independent Mortgage Corporation	131	6.75%	$5,767	$2,938	$1,560
10	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	92	6.5%	$7,446	$3,759	$1,990
11	Community Bank, National Association	91	7.25%	$0	$0	$2,880
12	Manufacturers and Traders Trust Company	91	6.375%	$4,691	$1,500	$626
13	Rocket Mortgage, LLC	87	6.875%	$6,240	$2,704	$2,237
14	The Lyons National Bank	73	6.5%	$3,990	$1,194	$659
15	JPMorgan Chase Bank, National Association	72	6.375%	$4,519	$1,782	$1,039
16	FAMILY FIRST OF NY	70	6.25%	$3,521	$1,075	$450
17	KeyBank National Association	66	6.375%	$4,589	$1,687	$684
18	Five Star Bank	63	6.5%	$3,527	$1,200	$9,997
19	NVR Mortgage Finance, Inc.	51	6.25%	$10,313	$7,707	$9,654
20	RELIANT COMMUNITY FEDERAL CREDIT UNION	45	6.5%	$3,313	$745	$478
21	HUNT MORTGAGE CORPORATION	44	6.75%	$4,174	$2,248	$1,258
22	THE SUMMIT Federal Credit Union	43	6.5%	$2,958	$675	$529
23	Bank of America, National Association	38	5.99%	$1,880	$675	$1,924
24	Mortgage Research Center, LLC	36	6.25%	$5,471	$1,469	$1,510
25	Citizens Bank, National Association	31	7.4%	$5,368	$1,600	$513
26	Advantage Federal Credit Union	30	n/a	n/a	n/a	n/a
27	Navy Federal Credit Union	29	6%	$3,977	$0	$1,676
28	Tompkins Community Bank	26	6.5%	$3,457	$820	$2,325
29	Pittsford Federal Credit Union	24	5.75%	$2,830	$425	n/a
30	CMG MORTGAGE, INC.	23	6.508%	$8,789	$2,580	$1,010
31	Ukrainian Federal Credit Union	22	6.375%	$4,443	$750	n/a
32	HOMESTEAD FUNDING CORP.	22	6.375%	$4,390	$1,195	$2,903
33	CREDIT UNION MORTGAGE ASSOCIATION, INC.	20	6.188%	$4,232	$1,295	$700
34	TAMMAC HOLDINGS CORPORATION	20	9.375%	n/a	n/a	n/a
35	PLAZA HOME MORTGAGE, INC.broker only	14	6.99%	$6,237	$2,031	$1,832
36	NEWREZ LLC	13	6.75%	$7,936	$1,328	$779
37	Metro City Bank	12	6.25%	$7,548	$4,104	$1,875
38	MOVEMENT MORTGAGE, LLC	12	7.25%	$7,062	$2,137	$807
39	PENNYMAC LOAN SERVICES, LLC	12	6.561%	$9,617	$4,118	$1,295
40	Wells Fargo Bank, National Association	11	6%	$4,897	$2,361	$1,632

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Monroe figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Monroe County in 2025?

The median interest rate on closed home-purchase loans in Monroe County, New York in 2025 was 6.625%, across 6,032 first-lien, owner-occupied loans. The middle half of borrowers got between 6.375% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.