Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Erie County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Erie County between 2023 and 2025: 15,313 applications, 11,635 loans actually funded, across 8 kinds of borrowing.
Erie County at a glance
15,313Applications decided
2023–2025
11,635Loans funded
76% of decisions
73Census tracts
25 ZIP codes
269,544People
ACS 2023
What the data shows
The typical purchase mortgage here is $175K.
Investment home improvement is the hardest money to get here: lenders approved 53% of 139 applications.
Lending by loan type in Erie County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.8% | 6,782 | $175K | 97% | 225 |
| Home improvement loans | 69.2% | 3,191 | $45K | 97% | 71 |
| Cash-out refinance | 65.6% | 1,931 | $125K | 96% | 120 |
| Refinance | 75.8% | 2,212 | $105K | 96% | 107 |
| Investment property purchase | 84.1% | 685 | $95K | 97% | 128 |
| Investment cash-out refinance | 76.0% | 208 | $95K | 93% | 54 |
| Investment refinance | 84.2% | 165 | $105K | 98% | 31 |
| Investment home improvement | 53.2% | 139 | $55K | 95% | 30 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.