Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Monroe County, New York
Every institution that decided a 1–4 unit mortgage application in Monroe County, home to Rochester, between 2023 and 2025: 45,787 applications, 36,949 loans actually funded, across 8 kinds of borrowing.
Monroe County at a glance
45,787Applications decided
2023–2025
36,949Loans funded
81% of decisions
210Census tracts
39 ZIP codes
754,068People
ACS 2023
What the data shows
Lenders approved 93.1% of home-purchase applications in Monroe County, 5.4 points above the New York rate.
The typical purchase mortgage here is $215K.
Investment home improvement is the hardest money to get here: lenders approved 45% of 291 applications.
Lending by loan type in Monroe County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 93.1% | 19,925 | $215K | 97% | 204 |
| Home improvement loans | 70.5% | 10,198 | $55K | 96% | 84 |
| Cash-out refinance | 78.4% | 4,804 | $145K | 96% | 116 |
| Refinance | 79.8% | 6,556 | $75K | 95% | 107 |
| Investment property purchase | 89.5% | 2,561 | $145K | 94% | 135 |
| Investment cash-out refinance | 82.7% | 971 | $165K | 92% | 78 |
| Investment refinance | 83.2% | 481 | $115K | 97% | 62 |
| Investment home improvement | 44.7% | 291 | $85K | 95% | 45 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.