Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Monroe County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Monroe County, home to East Stroudsburg, between 2023 and 2025: 16,332 applications, 11,426 loans actually funded, across 8 kinds of borrowing.
Monroe County at a glance
16,332Applications decided
2023–2025
11,426Loans funded
70% of decisions
51Census tracts
17 ZIP codes
167,784People
ACS 2023
What the data shows
Lenders approved 85.2% of home-purchase applications in Monroe County, 4.6 points below the Pennsylvania rate.
The typical purchase mortgage here is $265K.
Home improvement loans is the hardest money to get here: lenders approved 55% of 2,227 applications.
Lending by loan type in Monroe County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 85.2% | 5,753 | $265K | 96% | 364 |
| Home improvement loans | 55.4% | 2,227 | $65K | 91% | 140 |
| Cash-out refinance | 62.6% | 3,374 | $165K | 94% | 193 |
| Refinance | 68.6% | 1,453 | $225K | 91% | 170 |
| Investment property purchase | 87.6% | 2,575 | $235K | 94% | 322 |
| Investment cash-out refinance | 67.8% | 460 | $175K | 92% | 117 |
| Investment refinance | 71.5% | 221 | $205K | 93% | 87 |
| Investment home improvement | 56.5% | 269 | $105K | 95% | 67 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.