Largest lenders in Monroe County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 657 | 456 | 20.2% | 6.88% |
| 2 | United Shore Financial Services | B | 392 | 241 | 20.9% | 6.50% |
| 3 | Crosscountry Mortgage | B | 338 | 231 | 3.6% | 6.88% |
| 4 | Citizens Bank | C | 282 | 143 | 36.9% | 7.65% |
| 5 | PNC Bank | D | 265 | 127 | 36.2% | 7.24% |
| 6 | Newrez | D | 259 | 72 | 25.5% | 6.69% |
| 7 | Pennymac Loan Services | C | 210 | 102 | 16.2% | 6.75% |
| 8 | Mortgage Research Center | C | 171 | 74 | 22.8% | 6.38% |
| 9 | Broker Solutions | D | 165 | 53 | 12.7% | 6.88% |
| 10 | ESSA Bank & Trust | C | 147 | 112 | 13.6% | 7.25% |
| 11 | Loandepot.Com | D | 147 | 72 | 25.9% | 6.99% |
| 12 | AmeriSave Mortgage | D | 146 | 45 | 59.6% | 8.13% |
| 13 | Movement Mortgage | A | 145 | 102 | 4.1% | 6.75% |
| 14 | Guaranteed Rate | B | 141 | 67 | 5.7% | 6.99% |
| 15 | Coastal Community Bank | C | 131 | 42 | 2.3% | 11.24% |
| 16 | Spring Eq | D | 124 | 29 | 58.9% | 9.15% |
| 17 | Freedom Mortgage | B | 123 | 34 | 17.1% | 6.25% |
| 18 | JPMorgan Chase Bank | B | 105 | 56 | 16.2% | 6.63% |
| 19 | Bank of America | F | 104 | 34 | 33.7% | 6.49% |
| 20 | Navy Federal Credit Union | D | 100 | 37 | 27.0% | 7.00% |
| 21 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 98 | 66 | 14.3% | 6.64% |
| 22 | Wells Fargo Bank | B | 83 | 38 | 16.9% | 6.50% |
| 23 | Discover Bank | F | 80 | 10 | 62.5% | 8.17% |
| 24 | Nationstar Mortgage | C | 75 | 41 | 17.3% | 7.50% |
| 25 | First Northern Bank and Trust | C | 75 | 52 | 21.3% | — |
Best approval odds in Monroe County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Ixonia Bank | 56 | 0.0% |
| 2 | Keystone Funding | 63 | 1.6% |
| 3 | Coastal Community Bank | 99 | 3.0% |
| 4 | CNB Bank | 55 | 3.6% |
| 5 | Movement Mortgage | 127 | 4.7% |
| 6 | Crosscountry Mortgage | 246 | 4.9% |
| 7 | Kiavi Funding | 52 | 9.6% |
| 8 | Guaranteed Rate | 77 | 10.4% |
| 9 | ESSA Bank & Trust | 133 | 15.0% |
| 10 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 86 | 16.3% |
What Monroe County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Monroe County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 7,685 | 3,951 | 23.3% | 6.99% | $185,000 |
| 2024 | 8,387 | 4,330 | 22.3% | 6.99% | $195,000 |
| 2025 | 8,545 | 4,450 | 20.9% | 6.88% | $205,000 |
Frequently asked questions
20.9% of applications in Monroe County were denied in 2025, against 18.3% statewide in Pennsylvania.
Rocket Mortgage, with 657 applications in 2025 and a denial rate of 20.2%.
The median mortgage application in Monroe County in 2025 was for $205,000; the median property value on originated loans was $335,000.