Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Niagara County, New York
Every institution that decided a 1–4 unit mortgage application in Niagara County, home to Niagara Falls, between 2023 and 2025: 12,467 applications, 9,640 loans actually funded, across 8 kinds of borrowing.
Niagara County at a glance
12,467Applications decided
2023–2025
9,640Loans funded
77% of decisions
65Census tracts
17 ZIP codes
211,341People
ACS 2023
What the data shows
The typical purchase mortgage here is $195K.
Lending by loan type in Niagara County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.1% | 6,118 | $195K | 97% | 140 |
| Home improvement loans | 69.5% | 2,542 | $65K | 98% | 62 |
| Cash-out refinance | 75.3% | 1,665 | $145K | 98% | 76 |
| Refinance | 75.7% | 1,340 | $105K | 97% | 68 |
| Investment property purchase | 79.5% | 517 | $115K | 95% | 98 |
| Investment cash-out refinance | 71.3% | 167 | $115K | 93% | 47 |
| Investment refinance | 67.3% | 52 | $115K | 91% | 27 |
| Investment home improvement | 31.8% | 66 | $85K | 100% | 22 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.