Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Erie County, New York
Every institution that decided a 1–4 unit mortgage application in Erie County, home to Buffalo, between 2023 and 2025: 51,856 applications, 40,921 loans actually funded, across 8 kinds of borrowing.
Erie County at a glance
51,856Applications decided
2023–2025
40,921Loans funded
79% of decisions
260Census tracts
54 ZIP codes
950,044People
ACS 2023
What the data shows
Lenders approved 91.1% of home-purchase applications in Erie County, 3.4 points above the New York rate.
The typical purchase mortgage here is $235K.
Investment home improvement is the hardest money to get here: lenders approved 37% of 298 applications.
Lending by loan type in Erie County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.1% | 24,262 | $235K | 98% | 244 |
| Home improvement loans | 63.7% | 10,317 | $65K | 96% | 105 |
| Cash-out refinance | 77.6% | 6,801 | $155K | 97% | 136 |
| Refinance | 75.8% | 6,242 | $125K | 96% | 131 |
| Investment property purchase | 85.2% | 2,588 | $165K | 96% | 176 |
| Investment cash-out refinance | 75.9% | 1,005 | $155K | 92% | 96 |
| Investment refinance | 79.3% | 343 | $155K | 94% | 65 |
| Investment home improvement | 36.9% | 298 | $105K | 96% | 50 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.