Home improvement loan lenders in Erie County, New York
Fat Boy Data analyzed home improvement loan activity in Erie County, New York, home to Buffalo, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 10,317 applications were decided by 105 lenders between 2023 and 2025.
Erie County at a glance
How Erie County compares
What the data shows
Manufacturers and Traders Trust Company made the most home improvement loans in Erie County, NY, 1,686 of them.
That is 27% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Great Erie approved the highest share of applications among lenders with at least 20 decisions here, 100% of 109.
Lenders approved 63.7% of home improvement loan applications in Erie County, NY, 5.1 percentage points above the New York rate of 58.6%.
The typical home improvement loan here is $65K, 13% smaller than the New York typical of $75K.
Only 2 lenders here typically write at or below $35K: Kenmore N.Y. Teachers Federal Credit Union, Crossroads Community Federal Credit Union.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in Erie County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 62% | 1,799 / 2,923 | 94% | $55K | 1,686 |
| 2 | Citizens Bank, National Association | 62% | 993 / 1,605 | 96% | $95K | 953 |
| 3 | Bank of America, National Association | 35% | 254 / 729 | 98% | $75K | 250 |
| 4 | KeyBank National Association | 54% | 329 / 609 | 96% | $65K | 315 |
| 5 | Northwest Bank | 71% | 400 / 563 | 98% | $95K | 394 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 100 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Erie County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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