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State markets/New York/Monroe County

COUNTY MORTGAGE MARKET · FIPS 36055

Monroe County, New York

Who lends in Monroe County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$3.41B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

15,921

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

16.1%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

253

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 253 lenders that originated in Monroe County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

636

unconcentrated

Top-5 lender share

46.7%

of originations

Purchase

65.6%

6,972 loans

Refinance

34.4%

3,652 loans

Origination trend

Annual mortgage origination volume and loan count in Monroe County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Monroe County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Monroe County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR MONROE COUNTY →

TOP TEN LENDERS IN MONROE COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

4,148$516.3M$516.3M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,916$506.9M$506.9M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,061$268.4M$268.4M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
637$171.1M$171.1M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
443$130.1M$130.1M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
646$110.6M$110.6M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
6$107.6M$107.6M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
429$101.1M$101.1M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
496$98.1M$98.1M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
647$88.2M$88.2M originated in Monroe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Monroe County

All 52 ZIP Code Tabulation Areas that touch Monroe County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
52 OF 52 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1414 of the 17 Monroe County tracts this ZIP area touches sit mostly inside it.53,26713.5%16,185——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Monroe County tracts this ZIP area touches sit mostly inside it.44,86212.3%14,821——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 19 Monroe County tracts this ZIP area touches sit mostly inside it.36,92255.7%8,965——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Monroe County tracts this ZIP area touches sit mostly inside it.34,75625.0%9,842——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 15 Monroe County tracts this ZIP area touches sit mostly inside it.34,05623.4%9,890——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 14 Monroe County tracts this ZIP area touches sit mostly inside it.33,64422.7%10,991——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 20 Monroe County tracts this ZIP area touches sit mostly inside it.32,62188.0%4,524——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Monroe County tracts this ZIP area touches sit mostly inside it.31,27438.5%4,812——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 14 Monroe County tracts this ZIP area touches sit mostly inside it.27,28820.0%8,412——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Monroe County tracts this ZIP area touches sit mostly inside it.27,04053.5%6,147——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Monroe County tracts this ZIP area touches sit mostly inside it.25,44910.7%8,337——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Monroe County tracts this ZIP area touches sit mostly inside it.24,91619.5%8,906——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Monroe County tracts this ZIP area touches sit mostly inside it.23,03837.1%3,463——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 14 Monroe County tracts this ZIP area touches sit mostly inside it.22,39532.3%6,195——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Monroe County tracts this ZIP area touches sit mostly inside it.22,04422.7%5,114——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Monroe County tracts this ZIP area touches sit mostly inside it.21,72613.6%6,542——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Monroe County tracts this ZIP area touches sit mostly inside it.21,02215.6%4,783——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Monroe County tracts this ZIP area touches sit mostly inside it.19,91110.1%6,351——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Monroe County tracts this ZIP area touches sit mostly inside it.19,39879.1%2,606——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 16 Monroe County tracts this ZIP area touches sit mostly inside it.18,69284.4%2,533——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Monroe County tracts this ZIP area touches sit mostly inside it.15,32324.6%1,535——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Monroe County tracts this ZIP area touches sit mostly inside it.14,67521.3%4,168——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Monroe County tracts this ZIP area touches sit mostly inside it.14,08812.7%4,917——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Monroe County tracts this ZIP area touches sit mostly inside it.13,96225.6%4,177——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Monroe County tracts this ZIP area touches sit mostly inside it.13,18039.8%3,008——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Monroe County tracts this ZIP area touches sit mostly inside it.12,44792.6%941——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Monroe County tracts this ZIP area touches sit mostly inside it.12,21123.8%4,345——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 9 Monroe County tracts this ZIP area touches sit mostly inside it.12,10954.4%2,496——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Monroe County tracts this ZIP area touches sit mostly inside it.11,68981.7%2,308——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 Monroe County tracts this ZIP area touches sit mostly inside it.11,30778.2%972——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Monroe County tracts this ZIP area touches sit mostly inside it.10,88919.1%2,876——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Monroe County tracts this ZIP area touches sit mostly inside it.9,88022.0%2,582——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Monroe County tracts this ZIP area touches sit mostly inside it.9,0958.7%2,815——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Monroe County tracts this ZIP area touches sit mostly inside it.6,33617.3%1,895——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 8 Monroe County tracts this ZIP area touches sit mostly inside it.5,5868.3%1,884——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Monroe County tracts this ZIP area touches sit mostly inside it.4,35251.4%303——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Monroe County tracts this ZIP area touches sit mostly inside it.4,07411.3%1,394——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Monroe County tracts this ZIP area touches sit mostly inside it.3,49010.4%1,313——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Monroe County tracts this ZIP area touches sit mostly inside it.63343.6%0——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Monroe County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

210 of Monroe County’s 211 census tracts are grouped into the ZIP areas above; the other 1 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Monroe County

All 211 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

211 OF 211 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low23.2%2,62184.4%OPEN →
Low42.8%1,95393.8%OPEN →
Middle111.5%3,35426.2%OPEN →
Low38.5%1,95796.4%OPEN →
Low29.4%2,74793.2%OPEN →
Moderate66.3%5,42062.0%OPEN →
Moderate54.0%2,69973.3%OPEN →
Moderate54.9%4,65872.5%OPEN →
Low44.0%3,69375.6%OPEN →
Low48.9%3,04484.3%OPEN →
Low33.0%4,36683.9%OPEN →
Low33.6%3,63781.0%OPEN →
Low45.5%1,47797.5%OPEN →
Moderate74.6%3,69121.5%OPEN →
Moderate67.3%2,08934.4%OPEN →
Upper168.8%2,58812.4%OPEN →
Upper162.0%1,90817.5%OPEN →
—0.0%2,04349.6%OPEN →
Middle82.2%1,70935.4%OPEN →
Middle105.0%2,30439.2%OPEN →
Upper149.5%1,50721.1%OPEN →
Middle95.9%2,64229.1%OPEN →
Middle105.3%2,93521.9%OPEN →
Low45.9%5,32155.9%OPEN →
Upper122.4%4,30242.8%OPEN →
Low27.1%1,86192.7%OPEN →
Low38.1%1,44679.7%OPEN →
Low35.7%1,73183.0%OPEN →
Low25.0%2,50179.7%OPEN →
Low35.3%3,08175.0%OPEN →
Moderate57.0%2,08684.0%OPEN →
Low40.9%2,29391.3%OPEN →
Low26.7%1,73295.4%OPEN →
Low37.8%1,85793.8%OPEN →
Low18.7%1,37394.1%OPEN →
Low37.1%1,46896.0%OPEN →
Moderate74.0%3,65574.9%OPEN →
Low45.6%1,91492.9%OPEN →
Low25.7%2,33989.0%OPEN →
Moderate60.7%1,92087.8%OPEN →
Low49.4%3,88576.8%OPEN →
Low34.2%1,62584.7%OPEN →
Moderate77.3%3,21640.6%OPEN →
Upper121.8%2,31717.6%OPEN →
Middle83.5%3,09884.2%OPEN →
Moderate71.8%3,07687.3%OPEN →
Low43.4%2,51095.5%OPEN →
Low16.6%1,60893.7%OPEN →
Low49.2%1,93190.4%OPEN →
Moderate69.9%2,87585.6%OPEN →
Moderate61.3%2,73078.1%OPEN →
Low36.8%2,55574.7%OPEN →
Middle91.7%3,30367.5%OPEN →
Low49.6%2,98678.7%OPEN →
Low43.2%2,96390.8%OPEN →
Upper126.3%2,82427.2%OPEN →
Middle89.3%2,74032.5%OPEN →
Upper169.2%2,46517.5%OPEN →
Upper171.4%1,52015.8%OPEN →
Low41.2%1,83890.9%OPEN →
Moderate60.3%2,27493.5%OPEN →
Moderate54.9%4,36885.4%OPEN →
Low42.9%3,10086.4%OPEN →
Low46.5%3,83474.2%OPEN →
Low40.3%2,78990.6%OPEN →
Moderate56.5%3,60232.0%OPEN →
Moderate71.9%4,53140.0%OPEN →
—0.0%1,50074.0%OPEN →
Low49.0%6,00473.8%OPEN →
Low35.5%1,32293.0%OPEN →
Low42.5%2,55487.6%OPEN →
Moderate62.2%1,69342.2%OPEN →
Upper131.8%2,26053.5%OPEN →
Middle92.7%2,09249.1%OPEN →
—0.0%——OPEN →
—0.0%63343.6%OPEN →
Moderate73.8%3,04658.3%OPEN →
—0.0%1,79186.8%OPEN →
Low28.0%1,61884.5%OPEN →
Low27.8%3,44581.5%OPEN →
Middle103.5%3,55515.4%OPEN →
Upper150.0%3,88410.4%OPEN →
Upper125.5%3,73713.1%OPEN →
Middle103.8%5,26833.5%OPEN →
Upper132.3%4,47712.9%OPEN →
Moderate76.2%2,69729.3%OPEN →
Middle104.2%3,96426.9%OPEN →
Middle94.9%3,35917.9%OPEN →
Middle107.5%2,90217.3%OPEN →
Moderate64.8%5,03256.9%OPEN →
Moderate75.9%3,25331.3%OPEN →
Upper121.4%5,06527.9%OPEN →
Middle106.5%4,03420.9%OPEN →
Middle115.7%3,5289.6%OPEN →
Upper125.5%2,06810.0%OPEN →
Upper147.9%5,77510.2%OPEN →
Middle107.1%5,31915.1%OPEN →
Middle83.6%4,12718.2%OPEN →
Upper133.4%1,2067.6%OPEN →
Upper133.7%5,75510.6%OPEN →
Upper160.9%3,0078.5%OPEN →
Upper142.4%4,96311.7%OPEN →
Middle111.1%3,41924.6%OPEN →
Middle101.9%3,55010.3%OPEN →
Moderate73.5%2,61025.9%OPEN →
Upper141.3%5,89212.5%OPEN →
Upper150.8%7,33113.3%OPEN →
Upper132.7%6,41414.6%OPEN →
Upper172.2%3,9719.6%OPEN →
Upper205.0%3,96917.7%OPEN →
Middle115.6%5,74213.1%OPEN →
Moderate57.3%1,23016.5%OPEN →
Upper164.7%2,65011.6%OPEN →
Middle111.3%2,23912.8%OPEN →
Upper126.2%2,61510.2%OPEN →
Upper145.8%7,07210.6%OPEN →
Upper203.0%3,72410.3%OPEN →
Upper243.4%2,85312.1%OPEN →
Upper132.8%5,96713.3%OPEN →
Upper130.7%2,04610.7%OPEN →
Upper152.9%5,48213.2%OPEN →
Middle112.1%5,34512.0%OPEN →
Middle89.5%6,31917.7%OPEN →
Upper143.9%1,9699.4%OPEN →
Upper135.7%4,0858.9%OPEN →
Middle86.4%2,61118.5%OPEN →
Middle83.2%3,72516.4%OPEN →
Upper206.3%5,94414.4%OPEN →
Upper138.3%3,63012.0%OPEN →
Upper162.6%5,99819.5%OPEN →
Upper181.2%4,43619.6%OPEN →
Upper209.6%4,50221.5%OPEN →
Upper295.9%2,72638.2%OPEN →
Upper191.1%3,38121.1%OPEN →
Upper137.6%3,0038.9%OPEN →
Upper183.2%6,0928.5%OPEN →
Upper128.6%4,31612.7%OPEN →
Upper206.7%5,12615.5%OPEN →
Upper142.1%3,91317.2%OPEN →
Middle113.6%4,57728.9%OPEN →
Upper187.5%5,46025.2%OPEN →
Upper164.1%1,67522.9%OPEN →
Middle103.3%5,05234.2%OPEN →
Middle117.5%4,62148.1%OPEN →
Moderate71.0%2,39745.9%OPEN →
Middle101.4%6,63327.9%OPEN →
Upper150.3%7,91635.1%OPEN →
Moderate71.5%5,40541.4%OPEN →
Upper122.5%5,50425.9%OPEN →
Middle102.8%5,71339.8%OPEN →
Upper135.2%7,46739.8%OPEN →
Upper130.2%5,98024.4%OPEN →
Middle101.3%2,47827.8%OPEN →
Upper132.3%3,49010.4%OPEN →
Moderate68.3%3,90630.5%OPEN →
Middle114.8%3,41513.4%OPEN →
Upper123.3%5,50111.2%OPEN →
Middle96.8%3,77727.9%OPEN →
Upper126.0%5,66714.2%OPEN →
Upper131.3%4,36111.3%OPEN →
Upper141.8%2,65716.8%OPEN →
Middle118.8%3,60016.4%OPEN →
Middle91.8%2,45536.7%OPEN →
Middle81.0%4,89531.7%OPEN →
Upper127.3%5,61917.6%OPEN →
Moderate76.8%5,74229.9%OPEN →
Middle80.9%2,27425.2%OPEN →
Middle84.8%3,59423.6%OPEN →
Moderate71.1%5,78730.4%OPEN →
Moderate73.6%3,91225.6%OPEN →
Moderate72.3%4,20749.2%OPEN →
Middle103.3%5,03920.3%OPEN →
Middle95.1%4,64127.4%OPEN →
Middle91.4%3,99031.3%OPEN →
Middle105.0%3,72925.2%OPEN →
Middle115.6%4,33622.8%OPEN →
Middle101.7%3,82219.5%OPEN →
Middle98.3%7,47323.0%OPEN →
Middle86.8%2,56525.9%OPEN →
Middle109.2%3,01231.8%OPEN →
Middle90.2%3,51930.7%OPEN →
Moderate77.0%2,92736.8%OPEN →
Middle83.1%4,95630.6%OPEN →
Middle106.2%4,71532.9%OPEN →
Middle106.0%4,55016.3%OPEN →
Middle113.3%3,30023.3%OPEN →
Upper125.0%5,40125.5%OPEN →
Middle98.7%5,30919.9%OPEN →
Upper121.5%5,58018.4%OPEN →
Middle109.3%4,98329.4%OPEN →
Middle104.6%4,89714.5%OPEN →
Upper123.5%5,2818.4%OPEN →
Middle114.0%3,7977.7%OPEN →
Moderate79.6%3,46411.4%OPEN →
Middle115.9%3,6759.8%OPEN →
Middle95.6%5,61411.4%OPEN →
Upper137.5%5,0999.4%OPEN →
Upper135.1%5,64014.5%OPEN →
Middle92.7%3,91711.2%OPEN →
Middle113.7%5,5868.3%OPEN →
Middle100.4%4,65112.0%OPEN →
Middle114.7%4,07411.3%OPEN →
Middle102.6%6,90413.4%OPEN →
—0.0%3,01719.8%OPEN →
Middle92.5%3,15416.6%OPEN →
Middle90.1%3,93318.2%OPEN →
Middle111.3%4,01412.9%OPEN →
—0.0%——OPEN →
—0.0%3122.6%OPEN →
—0.0%——OPEN →
—0.0%——OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

753,753

Median household income

$76,382

Median home value

$213,700

Median gross rent

$1,173

per month

Owner-occupied

63.7%

of occupied units

Housing units

339,430

6.2% vacant

Poverty rate

13.6%

Unemployment

4.9%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Moderate

score 93.8

Social vulnerability

Relatively Moderate

Community resilience

Very High

ELEVATED PERILS

Inland flooding Relatively High · Winter weather Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

79

Declarations recorded

21

Incident types on record: Biological, Fire, Flood, Hurricane, Other, Severe Ice Storm, Severe Storm, Snowstorm.

Everything we hold on Monroe County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Monroe County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Monroe County →Every reported application and origination in FIPS 36055, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Monroe County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

275

—

Purchase share

52.0%

143 loans

IRRRL refinances

59

Cash-out refinances

73

2026275—1435973
2025272—1712576
2024263—1761077
2023253—183169
2022——24351130
2021681—269276136
2020580—322151107
2019437—31712108
2018479—32221136
2017509—3258797
2016508—33266110
2015499—30084115

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Monroe County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Monroe County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

586

+26.8% vs 2024

Multifamily · 2025

169

−75.6% vs 2024

Total authorized · 2025

755

−34.7% vs 2024

Permit valuation · 2025

$284.4M

authorized construction value

Units authorized by year

Monroe County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K1990199219941996199820002002200420062008201020122014201620182020202220242025755 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Monroe County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Other flows - South, DS1,4962,559$106.7M
inflow2223Other flows - South, DS1,2162,021$76.9M
outflow2223Ontario County, NY9111,496$88.6M
inflow2223Ontario County, NY8181,156$58.6M
outflow2223Wayne County, NY7961,258$53.1M
inflow2223Wayne County, NY6931,043$41.5M
inflow2223Other flows - Northeast, DS6531,016$44.3M
outflow2223Erie County, NY566789$32.0M
inflow2223Other flows - Midwest, DS562879$38.3M
inflow2223Erie County, NY556750$31.5M
outflow2223Other flows - Midwest, DS548925$36.9M
inflow2223Other flows - West, DS522859$38.1M
outflow2223Other flows - Northeast, DS515797$38.5M
outflow2223Livingston County, NY416652$28.2M
outflow2223Other flows - West, DS414628$31.5M
inflow2223Livingston County, NY404607$23.1M
inflow2223Onondaga County, NY293384$17.0M
outflow2223Orleans County, NY285484$13.5M
inflow2223Orleans County, NY273399$12.4M
outflow2223Onondaga County, NY266368$16.9M
inflow2223Genesee County, NY257380$15.2M
outflow2223Genesee County, NY257435$14.6M
outflow2223New York County, NY202220$17.7M
inflow2223Kings County, NY182284$12.7M
outflow2223Mecklenburg County, NC179278$10.6M
outflow2223Kings County, NY174203$10.6M
outflow2223Middlesex County, MA150178$13.5M
outflow2223Foreign - Overseas, FR150219$8.3M
inflow2223Queens County, NY150262$10.7M
outflow2223Hillsborough County, FL148246$8.2M
inflow2223New York County, NY144189$15.5M
outflow2223King County, WA128152$10.8M
inflow2223Suffolk County, NY119154$7.2M
outflow2223Suffolk County, MA116135$8.1M
inflow2223Niagara County, NY114166$5.2M
outflow2223Los Angeles County, CA114135$7.8M
inflow2223Steuben County, NY113168$8.7M
outflow2223Wake County, NC111178$7.8M
inflow2223Los Angeles County, CA111147$7.9M
outflow2223Cook County, IL110129$7.6M
outflow2223Maricopa County, AZ106153$7.6M
outflow2223Allegheny County, PA106129$6.2M
outflow2223Queens County, NY102144$5.8M
outflow2223Philadelphia County, PA101120$5.7M
inflow2223Middlesex County, MA100154$11.2M
inflow2223Cook County, IL98135$8.0M
inflow2223Oneida County, NY94136$5.6M
outflow2223Lee County, FL92151$13.3M
outflow2223Palm Beach County, FL91143$14.7M
outflow2223Albany County, NY90115$5.7M
outflow2223Orange County, FL90167$5.0M
outflow2223Harris County, TX89140$6.1M
outflow2223Niagara County, NY86135$4.5M
outflow2223Pinellas County, FL85124$6.6M
inflow2223Foreign - Overseas, FR84127$7.1M
inflow2223Albany County, NY83117$4.2M
outflow2223Santa Clara County, CA8393$9.3M
outflow2223Steuben County, NY82123$5.1M
outflow2223Fulton County, GA81130$5.1M
outflow2223Hudson County, NJ8087$6.5M
outflow2223San Diego County, CA80102$6.7M
inflow2223Nassau County, NY78112$4.4M
outflow2223District of Columbia, DC7792$6.9M
inflow2223Bronx County, NY77132$3.0M
inflow2223Broome County, NY76110$4.1M
inflow2223Maricopa County, AZ74117$4.6M
inflow2223Suffolk County, MA7395$7.8M
inflow2223Tompkins County, NY7192$4.6M
inflow2223Orange County, FL71134$2.9M
outflow2223Cuyahoga County, OH6997$5.9M
inflow2223Jefferson County, NY6594$2.9M
inflow2223Foreign - Other flows, FR65145$1.6M
inflow2223Hillsborough County, FL64109$4.9M
inflow2223Wyoming County, NY6394$3.2M
outflow2223Travis County, TX6388$4.4M
inflow2223San Diego County, CA63120$5.2M
inflow2223Westchester County, NY63101$6.5M
outflow2223Foreign - Other flows, FR62101$2.3M
outflow2223Sarasota County, FL61113$7.2M
outflow2223Oneida County, NY6088$3.7M
outflow2223Broward County, FL5881$6.9M
outflow2223Fairfax County, VA5873$4.2M
inflow2223Chemung County, NY5780$3.3M
inflow2223Lee County, FL5791$4.0M
inflow2223Mecklenburg County, NC5693$3.2M
inflow2223Palm Beach County, FL5573$4.1M
outflow2223Franklin County, OH5589$2.2M
outflow2223Tompkins County, NY5574$3.4M
outflow2223Polk County, FL55113$3.7M
outflow2223Brevard County, FL5595$4.1M
outflow2223Denver County, CO5562$2.8M
outflow2223Manatee County, FL5491$5.0M
inflow2223Pinellas County, FL5484$3.2M
outflow2223Pasco County, FL5395$4.1M
outflow2223Lake County, FL5394$5.2M
inflow2223Allegheny County, PA5164$4.0M
outflow2223Davidson County, TN5166$3.3M
inflow2223Philadelphia County, PA5083$4.0M
outflow2223Saratoga County, NY5064$3.0M
outflow2223Duval County, FL5083$2.6M
inflow2223Oswego County, NY5062$2.6M
inflow2223Cayuga County, NY4963$4.5M
inflow2223Saratoga County, NY4968$3.5M
outflow2223Clark County, NV4870$2.7M
outflow2223Miami-Dade County, FL4873$4.0M
outflow2223Yates County, NY4869$4.3M
inflow2223Travis County, TX4768$4.5M
outflow2223Dallas County, TX4767$3.1M
outflow2223Capitol Planning Region, CT4763$2.3M
inflow2223Broward County, FL4778$2.7M
inflow2223Clark County, NV4674$2.7M
inflow2223Hudson County, NJ4566$4.7M
outflow2223Western Connecticut Planning Regi, CT4552$3.3M
outflow2223Suffolk County, NY4458$2.3M
inflow2223Chautauqua County, NY4456$2.0M
inflow2223Polk County, FL4472$1.4M
outflow2223DeKalb County, GA4468$3.4M
inflow2223St. Lawrence County, NY4361$2.3M
outflow2223Durham County, NC4363$4.6M
inflow2223District of Columbia, DC4349$3.4M
inflow2223Orange County, NY4367$2.6M
inflow2223Sarasota County, FL4260$5.2M
outflow2223Montgomery County, MD4260$3.0M
outflow2223Bronx County, NY4276$2.0M
inflow2223Capitol Planning Region, CT4268$2.4M
inflow2223DeKalb County, GA4276$1.4M
inflow2223Seneca County, NY4270$2.6M
inflow2223Cuyahoga County, OH4254$3.0M
outflow2223Seneca County, NY4167$3.1M
outflow2223Broome County, NY4158$4.4M
inflow2223Yates County, NY4052$2.0M
outflow2223Jefferson County, NY4057$2.0M
outflow2223Cayuga County, NY4057$2.1M
outflow2223San Francisco County, CA4052$4.2M
outflow2223Wyoming County, NY4061$2.0M
outflow2223Collin County, TX4083$5.5M
inflow2223Franklin County, OH3958$2.4M
outflow2223Horry County, SC3961$2.2M
outflow2223Volusia County, FL3969$2.2M
outflow2223Arlington County, VA3941$2.2M
outflow2223Baltimore city, MD3854$2.2M
outflow2223Oswego County, NY3858$2.4M
outflow2223Orange County, CA3858$3.0M
outflow2223Collier County, FL3859$21.0M
outflow2223Nassau County, NY3853$2.4M
outflow2223Tarrant County, TX3761$2.5M
outflow2223Charleston County, SC3740$2.3M
outflow2223Chemung County, NY3672$1.6M
inflow2223Allegany County, NY3640$1.2M
inflow2223Miami-Dade County, FL3654$2.3M
outflow2223Allegany County, NY3651$1.9M
inflow2223King County, WA3655$4.4M
inflow2223Dutchess County, NY3545$2.7M
inflow2223Pasco County, FL3566$1.9M
outflow2223Norfolk County, MA3548$2.0M
inflow2223Wake County, NC3463$2.1M
inflow2223Denver County, CO3449$6.6M
outflow2223Arapahoe County, CO3442$1.7M
inflow2223Dallas County, TX3358$2.9M
outflow2223South Central Connecticut Plannin, CT3350$2.6M
inflow2223Tarrant County, TX3358$1.5M
outflow2223St. Lawrence County, NY3241$1.9M
outflow2223Dane County, WI3244$1.8M
outflow2223Osceola County, FL3254$1.4M
inflow2223Harris County, TX3257$1.9M
inflow2223Rensselaer County, NY3147$1.9M
outflow2223Chautauqua County, NY3147$1.4M
outflow2223Beaufort County, SC3153$5.7M
inflow2223Cattaraugus County, NY3142$1.3M
outflow2223Westchester County, NY3042$1.8M
outflow2223Schenectady County, NY3038$1.4M
inflow2223Brevard County, FL3046$1.8M
inflow2223Fulton County, GA3045$3.6M
inflow2223Fairfax County, VA3042$1.9M
inflow2223El Paso County, CO2959$1.5M
outflow2223Cobb County, GA2953$3.1M
outflow2223Hennepin County, MN2945$2.5M
outflow2223Providence County, RI2938$1.4M
outflow2223Greenville County, SC2947$2.5M
inflow2223Norfolk County, MA2945$2.3M
inflow2223Multnomah County, OR2948$2.5M
inflow2223Orange County, CA2937$1.8M
inflow2223Bergen County, NJ2840$1.7M
outflow2223Gwinnett County, GA2858$1.3M
outflow2223Essex County, MA2836$1.6M
outflow2223Rensselaer County, NY2838$1.6M
outflow2223Sumter County, FL2845$3.7M
outflow2223Marion County, FL2840$2.0M
inflow2223Baltimore city, MD2844$2.4M
outflow2223Bexar County, TX2741$1.3M
outflow2223Dutchess County, NY2734$1.4M
outflow2223Prince George's County, MD2738$1.5M
inflow2223Volusia County, FL2739$1.0M
inflow2223Montgomery County, MD2732$1.5M
inflow2223Cortland County, NY2733$1.3M
outflow2223Guilford County, NC2742$1.3M
outflow2223Berkeley County, SC2748$1.7M
inflow2223Pima County, AZ2640$4.9M
inflow2223Duval County, FL2645$1.1M
inflow2223Santa Clara County, CA2636$2.3M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Monroe County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals4,382.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals1,168.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals5,550.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals224,000.0
2023BothNo CharacteristicAll Appraisals240,000.0
2023PurchaseNo CharacteristicAll Appraisals245,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals218,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals225,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,881.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals200,000.0
2022BothNo CharacteristicAll Appraisals6,862.0
2022PurchaseNo CharacteristicAll Appraisals4,981.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals208,000.0
2021BothNo CharacteristicAll Appraisals9,820.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals5,909.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals3,911.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals205,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals205,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals10,232.0
2020PurchaseNo CharacteristicAll Appraisals5,893.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals194,500.0
2020RefinanceNo CharacteristicAll Appraisals215,000.0
2020RefinanceNo CharacteristicAll Appraisals4,339.0
2020PurchaseNo CharacteristicAll Appraisals182,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals173,000.0
2019PurchaseNo CharacteristicAll Appraisals5,485.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals180,000.0
2019BothNo CharacteristicAll Appraisals7,853.0
2019RefinanceNo CharacteristicAll Appraisals2,368.0
2019PurchaseNo CharacteristicAll Appraisals170,000.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals155,000.0
2018BothNo CharacteristicAll Appraisals7,030.0
2018PurchaseNo CharacteristicAll Appraisals5,264.0
2018RefinanceNo CharacteristicAll Appraisals1,766.0
2018BothNo CharacteristicAll Appraisals165,000.0
2018PurchaseNo CharacteristicAll Appraisals167,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals150,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals6,963.0
2017PurchaseNo CharacteristicAll Appraisals4,851.0
2017PurchaseNo CharacteristicAll Appraisals163,200.0
2017RefinanceNo CharacteristicAll Appraisals2,112.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals159,000.0
2016PurchaseNo CharacteristicAll Appraisals5,237.0
2016RefinanceNo CharacteristicAll Appraisals170,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals154,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals160,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals8,031.0
2016RefinanceNo CharacteristicAll Appraisals2,794.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals143,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals160,000.0
2015BothNo CharacteristicAll Appraisals7,673.0
2015RefinanceNo CharacteristicAll Appraisals2,543.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals5,130.0
2015BothNo CharacteristicAll Appraisals149,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals146,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Monroe County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05374,216358,82015,3964.1%
2026-04373,366358,81014,5563.9%
2026-03374,385358,82315,5624.2%
2026-02373,307356,09117,2164.6%
2026-01373,622357,96615,6564.2%
2025-12373,927360,13813,7893.7%
2025-11376,868362,83814,0303.7%
2025-09375,401360,44614,9554.0%
2025-08371,406355,59915,8074.3%
2025-07374,356358,93215,4244.1%
2025-06376,143362,54113,6023.6%
2025-05371,950359,48312,4673.4%
2025-04371,713359,86611,8473.2%
2025-03370,430356,62713,8033.7%
2025-02368,301353,01715,2844.1%
2025-01367,565353,26414,3013.9%
2024-12365,267352,80712,4603.4%
2024-11368,198355,84912,3493.4%
2024-10369,052356,84112,2113.3%
2024-09371,875359,74712,1283.3%
2024-08370,637355,76314,8744.0%
2024-07375,169360,01715,1524.0%
2024-06376,292362,89913,3933.6%
2024-05371,225358,67412,5513.4%
2024-04369,821357,37612,4453.4%
2024-03370,940356,47614,4643.9%
2024-02370,310354,58715,7234.2%
2024-01369,365354,44914,9164.0%
2023-12369,050355,40813,6423.7%
2023-11375,114361,96913,1453.5%
2023-10374,706361,18613,5203.6%
2023-09376,562363,50813,0543.5%
2023-08376,389361,83214,5573.9%
2023-07378,243365,00513,2383.5%
2023-06377,730365,55212,1783.2%
2023-05372,878361,63211,2463.0%
2023-04371,615361,7509,8652.7%
2023-03370,307358,12012,1873.3%
2023-02368,680355,04013,6403.7%
2023-01366,557353,14413,4133.7%
2022-12365,423354,20811,2153.1%
2022-11366,918355,86311,0553.0%
2022-10368,774358,00310,7712.9%
2022-09369,787358,17811,6093.1%
2022-08369,380354,85114,5293.9%
2022-07371,297357,33513,9623.8%
2022-06372,084359,41012,6743.4%
2022-05368,991357,51811,4733.1%
2022-04366,882355,41211,4703.1%
2022-03370,399356,84813,5513.7%
2022-02369,186354,17415,0124.1%
2022-01367,507353,26614,2413.9%
2021-12364,322353,06911,2533.1%
2021-11366,967354,31512,6523.4%
2021-10367,525353,50614,0193.8%
2021-09368,289352,81015,4794.2%
2021-08368,219349,57518,6445.1%
2021-07371,289351,40919,8805.4%
2021-06372,688351,95020,7385.6%
2021-05368,684349,82318,8615.1%
2021-04368,586348,05320,5335.6%
2021-03369,640346,18723,4536.3%
2021-02369,274344,04325,2316.8%
2021-01365,500340,54224,9586.8%
2020-12367,722343,94423,7786.5%
2020-11369,655348,25921,3965.8%
2020-10371,122349,20621,9165.9%
2020-09372,075345,51526,5607.1%
2020-08373,046343,37929,6678.0%
2020-07375,072337,20537,86710.1%
2020-06376,867337,80239,06510.4%
2020-05372,940325,13647,80412.8%
2020-04368,040307,00861,03216.6%
2020-03377,366358,25119,1155.1%
2020-02378,315361,72716,5884.4%
2020-01378,250361,72616,5244.4%
2019-12377,512362,22215,2904.1%
2019-11379,107364,72514,3823.8%
2019-10381,282366,94114,3413.8%
2019-09379,522365,51214,0103.7%
2019-08379,301363,01816,2834.3%
2019-07381,609365,42816,1814.2%
2019-06380,028365,97714,0513.7%
2019-05377,400364,28813,1123.5%
2019-04376,249363,20913,0403.5%
2019-03376,690361,56015,1304.0%
2019-02376,054360,01516,0394.3%
2019-01375,164359,18815,9764.3%
2018-12376,172361,68914,4833.9%
2018-11377,483364,33713,1463.5%
2018-10379,853366,40513,4483.5%
2018-09380,107366,56113,5463.6%
2018-08378,155362,32215,8334.2%
2018-07381,468365,23016,2384.3%
2018-06382,498366,84515,6534.1%
2018-05378,600364,36214,2383.8%
2018-04376,124360,60415,5204.1%
2018-03375,285357,77417,5114.7%
2018-02373,864354,42719,4375.2%
2018-01372,813354,25518,5585.0%

BEA Personal Income

2024$50.54B752,202$67K
2023$48.02B750,901$64K
2022$45.28B751,827$60K
2021$45.31B756,089$60K
2020$43.35B757,747$57K
2019$39.88B758,941$53K
2018$38.51B758,810$51K
2017$37.54B756,333$50K
2016$35.90B755,191$48K
2015$35.43B755,118$47K
2014$33.77B755,089$45K
2013$33.36B754,196$44K
2012$33.87B751,444$45K
2011$32.32B749,027$43K
2010$30.89B745,029$41K
2009$29.80B743,386$40K
2008$29.68B741,018$40K
2007$28.03B739,249$38K
2006$26.64B738,329$36K
2005$25.64B738,506$35K
2004$25.28B741,075$34K
2003$24.53B741,671$33K
2002$24.31B741,391$33K
2001$24.14B739,891$33K
2000$23.68B738,979$32K
1999$22.48B733,679$31K
1998$21.73B734,076$30K
1997$20.77B734,394$28K
1996$19.87B734,257$27K
1995$19.12B733,643$26K
1994$18.26B734,382$25K
1993$17.81B733,968$24K
1992$17.39B729,060$24K
1991——$23K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Monroe County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-04-07$0$0$0Yes
2026-04-06$3K$3K$0Yes
2026-04-02$5K$5K$0Yes
2026-04-01$2K$2K$0Yes
2026-03-31$0$0$0No
2026-03-31$16K$16K$0Yes
2026-03-31$3K$3K$0Yes
2026-03-31$3K$3K$0Yes
2026-03-31$0$0$0Yes
2026-03-31$2K$2K$0Yes
2025-06-19$9K$9K$0Yes
2025-06-19$6K$6K$0Yes
2025-06-19$49K$48K$927.6Yes
2025-06-18$9K$9K$0Yes
2025-06-18$86K$85K$1KNo
2025-06-18$7K$60K$7KYes
2025-06-18$5K$5K$0Yes
2025-05-12$5K$5K$0Yes
2025-04-02$0$0$0Yes
2024-04-11$0$0$0Yes
2023-08-16$26K$26K$0Yes
2023-08-16$4K$4K$0No
2023-08-16$15K$15K$0Yes
2023-08-15$5K$5K$0Yes
2023-08-15$26K$20K$6KYes
2022-02-25$0——Yes
2022-02-11$0——Yes
2021-10-29$8K$8K$0Yes
2021-10-27$22K$22K$0Yes
2021-10-26$9K$9K$0Yes
2021-10-13$0——Yes
2021-07-30$0——Yes
2021-07-17$8K$8K$0Yes
2021-07-08$0——Yes
2021-07-02$822.62$822.62$0Yes
2021-05-10$0$0$0Yes
2020-03-09$0$0$0Yes
2020-01-16$55K$55K$0Yes
2019-08-04$16K$16K$0No
2019-07-27$0——Yes
2019-07-18$0——Yes
2019-07-07$13K$13K$0Yes
2019-07-07$2K$2K$0Yes
2019-07-07$8K$8K$0No
2019-07-07$10K$10K$0No
2019-06-20$15K$15K$0Yes
2019-06-17$17K$17K$0No
2019-06-11$21K$21K$0No
2019-06-03$0——Yes
2019-05-28$1K$1K$0Yes
2019-05-28$10K$10K$0Yes
2019-05-28$6K$6K$0Yes
2019-05-28$0——Yes
2019-05-28$4K$4K$0Yes
2019-05-28$41K$41K$0Yes
2019-05-28$12K$12K$0No
2019-05-28$62K$62K$0Yes
2019-05-28$16K$11K$5KNo
2019-05-28$0$0$0Yes
2019-05-28$5K$5K$0Yes
2019-05-28$0——Yes
2019-05-28$3K$3K$0Yes
2019-05-28$4K$4K$0No
2019-05-28$0$0$0Yes
2019-05-28$13K$13K$0Yes
2019-05-22$2K$2K$0Yes
2019-05-18$34K$34K$0No
2019-05-14$0——Yes
2019-05-13$0——Yes
2019-05-13$3K$3K$0Yes
2019-05-12$195.75$195.75$0Yes
2019-05-10$8K$8K$0Yes
2019-05-01$0$0$0No
2019-04-25$0——Yes
2019-04-02$3K$3K$0Yes
2018-11-26$0——Yes
2018-07-26$0——Yes
2018-05-20$41K$41K$0Yes
2018-04-27$0——Yes
2018-04-05$0——No
2017-11-06$12K$12K$0No
2017-10-11$0——Yes
2017-09-12$0——Yes
2017-09-07$15K$15K$0Yes
2017-08-18$0——Yes
2017-08-15$0——Yes
2017-07-25$2K$2K$0No
2017-07-21$0——Yes
2017-07-14$39K$39K$0Yes
2017-07-14$20K$20K$0No
2017-07-14$0——Yes
2017-07-01$0——No
2017-07-01$203$203$0No
2017-06-30$0——No
2017-06-27$0——No
2017-06-23$16K$16K$0Yes
2017-06-20$0——Yes
2017-06-15$2K$2K$0Yes
2017-06-10$8K$8K$0Yes
2017-06-07$0——Yes

ALSO CHECKED

18 more data areas were checked for Monroe County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the NY state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN MONROE COUNTY →Opens the loan explorer already filtered to county FIPS 36055.

See the New York state market profile for the statewide picture, the New York state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.