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State markets/New York/Erie County

COUNTY MORTGAGE MARKET · FIPS 36029

Erie County, New York

Who lends in Erie 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

$4.01B

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

Originations · 2025

16,228

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

Denial rate · 2025

17.8%

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

Lenders active · 2025

301

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 301 lenders that originated in Erie County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

437

unconcentrated

Top-5 lender share

38.8%

of originations

Purchase

65.5%

8,211 loans

Refinance

34.5%

4,333 loans

Origination trend

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

Lenders in Erie 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 Erie 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 ERIE COUNTY →

TOP TEN LENDERS IN ERIE 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.

1,637$419.6M$419.6M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2,140$413.6M$413.6M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,135$326.0M$326.0M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,156$211.8M$211.8M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,259$187.2M$187.2M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
648$177.1M$177.1M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
772$159.8M$159.8M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
216$124.5M$124.5M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
585$112.6M$112.6M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
408$111.8M$111.8M originated in Erie 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 Erie County

All 72 ZIP Code Tabulation Areas that touch Erie 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.
72 OF 72 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1414 of the 18 Erie County tracts this ZIP area touches sit mostly inside it.60,75618.8%19,511——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 16 Erie County tracts this ZIP area touches sit mostly inside it.43,1678.1%14,713——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 15 Erie County tracts this ZIP area touches sit mostly inside it.41,5467.9%13,491——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Erie County tracts this ZIP area touches sit mostly inside it.39,82614.2%13,126——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 18 Erie County tracts this ZIP area touches sit mostly inside it.39,66486.7%7,308——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Erie County tracts this ZIP area touches sit mostly inside it.33,7737.5%11,288——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 18 Erie County tracts this ZIP area touches sit mostly inside it.32,90626.1%10,335——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Erie County tracts this ZIP area touches sit mostly inside it.29,6867.3%8,964——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 18 Erie County tracts this ZIP area touches sit mostly inside it.29,62390.9%3,988——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Erie County tracts this ZIP area touches sit mostly inside it.28,44431.7%5,988——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Erie County tracts this ZIP area touches sit mostly inside it.26,58316.5%7,355——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Erie County tracts this ZIP area touches sit mostly inside it.26,48331.0%7,803——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Erie County tracts this ZIP area touches sit mostly inside it.26,32916.6%9,036——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Erie County tracts this ZIP area touches sit mostly inside it.25,83564.1%3,170——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 15 Erie County tracts this ZIP area touches sit mostly inside it.24,69510.3%7,694——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Erie County tracts this ZIP area touches sit mostly inside it.22,70956.9%4,108——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Erie County tracts this ZIP area touches sit mostly inside it.22,22221.8%5,627——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Erie County tracts this ZIP area touches sit mostly inside it.21,68720.3%7,158——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Erie County tracts this ZIP area touches sit mostly inside it.21,61016.6%7,041——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 15 Erie County tracts this ZIP area touches sit mostly inside it.21,55339.8%5,149——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Erie County tracts this ZIP area touches sit mostly inside it.21,38912.5%6,905——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Erie County tracts this ZIP area touches sit mostly inside it.20,95630.9%4,455——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Erie County tracts this ZIP area touches sit mostly inside it.20,62862.2%2,689——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Erie County tracts this ZIP area touches sit mostly inside it.19,94926.7%4,020——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Erie County tracts this ZIP area touches sit mostly inside it.19,1325.1%6,435——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Erie County tracts this ZIP area touches sit mostly inside it.15,23263.8%1,634——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Erie County tracts this ZIP area touches sit mostly inside it.14,49430.2%3,080——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Erie County tracts this ZIP area touches sit mostly inside it.13,98431.4%2,550——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Erie County tracts this ZIP area touches sit mostly inside it.12,60612.1%3,628——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Erie County tracts this ZIP area touches sit mostly inside it.12,16887.7%1,962——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Erie County tracts this ZIP area touches sit mostly inside it.11,7215.3%3,698——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Erie County tracts this ZIP area touches sit mostly inside it.10,59663.5%1,722——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Erie County tracts this ZIP area touches sit mostly inside it.10,45485.8%1,426——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Erie County tracts this ZIP area touches sit mostly inside it.9,81210.5%3,118——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Erie County tracts this ZIP area touches sit mostly inside it.9,0277.4%3,128——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Erie County tracts this ZIP area touches sit mostly inside it.8,89848.5%1,344——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Erie County tracts this ZIP area touches sit mostly inside it.8,8518.3%2,976——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Erie County tracts this ZIP area touches sit mostly inside it.8,7077.1%2,748——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Erie County tracts this ZIP area touches sit mostly inside it.8,5965.5%2,674——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Erie County tracts this ZIP area touches sit mostly inside it.8,3165.3%2,646——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Erie County tracts this ZIP area touches sit mostly inside it.7,9478.8%2,955——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Erie County tracts this ZIP area touches sit mostly inside it.7,5736.6%2,634——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Erie County tracts this ZIP area touches sit mostly inside it.7,3617.6%2,420——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Erie County tracts this ZIP area touches sit mostly inside it.6,51245.5%0——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Erie County tracts this ZIP area touches sit mostly inside it.6,4025.4%2,326——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Erie County tracts this ZIP area touches sit mostly inside it.4,8545.3%1,940——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 7 Erie County tracts this ZIP area touches sit mostly inside it.4,46637.0%644——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Erie County tracts this ZIP area touches sit mostly inside it.4,04745.8%1,272——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Erie County tracts this ZIP area touches sit mostly inside it.3,64644.3%398——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Erie County tracts this ZIP area touches sit mostly inside it.3,5048.1%1,135——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Erie County tracts this ZIP area touches sit mostly inside it.3,0097.8%1,210——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Erie County tracts this ZIP area touches sit mostly inside it.2,7165.0%915——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Erie County tracts this ZIP area touches sit mostly inside it.2,62750.2%406——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Erie County tracts this ZIP area touches sit mostly inside it.2,2486.2%751——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Erie 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 4 tracts of Erie 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 Erie 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 Erie 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 Erie 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 Erie 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 Erie 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 Erie 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 6 tracts of Erie 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 Erie 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 Erie 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 Erie 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 Erie 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 Erie 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 Erie 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 Erie 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 Erie 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 Erie 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.

260 of Erie County’s 261 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 Erie County

All 261 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.

261 OF 261 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate60.0%2,67333.5%OPEN →
Moderate73.5%4,45034.8%OPEN →
Low46.6%2,11228.4%OPEN →
Middle104.2%4,56315.9%OPEN →
Middle109.8%3,55110.1%OPEN →
Middle108.5%4,63617.5%OPEN →
Moderate77.5%2,34921.2%OPEN →
Middle96.5%6,27032.0%OPEN →
Middle84.8%3,32426.3%OPEN →
Low26.4%1,78197.9%OPEN →
Low24.6%1,20297.7%OPEN →
Low42.3%1,61291.1%OPEN →
Low31.1%1,61683.9%OPEN →
Low27.1%1,35888.0%OPEN →
Moderate55.9%1,90846.7%OPEN →
Moderate71.0%3,18926.6%OPEN →
Low47.4%3,56642.3%OPEN →
Low42.1%4,64751.0%OPEN →
Moderate78.7%2,04890.1%OPEN →
Low23.7%1,84390.2%OPEN →
Low34.4%2,33592.5%OPEN →
Low18.9%1,51284.9%OPEN →
Low40.9%1,13885.3%OPEN →
Low40.3%2,47594.0%OPEN →
Moderate54.5%3,09289.3%OPEN →
Moderate53.9%2,36192.2%OPEN →
Moderate52.9%3,80089.6%OPEN →
Low46.4%3,87794.8%OPEN →
Low41.2%3,58897.3%OPEN →
Low29.0%1,72296.5%OPEN →
Moderate76.7%2,27297.5%OPEN →
Low39.1%2,82693.7%OPEN →
Low32.9%4,90993.9%OPEN →
Low26.8%3,18190.9%OPEN →
Moderate65.8%1,12692.8%OPEN →
Middle95.2%1,49580.9%OPEN →
Low37.9%3,25194.1%OPEN →
Moderate69.8%4,81393.5%OPEN →
Low49.8%3,68996.0%OPEN →
Moderate78.7%6,37389.7%OPEN →
Moderate63.0%4,47595.6%OPEN →
Low35.0%2,90098.1%OPEN →
Upper133.2%5,52936.3%OPEN →
Moderate78.2%3,39451.2%OPEN →
Middle98.4%2,76692.0%OPEN →
Middle84.5%4,75272.6%OPEN →
Upper139.3%3,87420.2%OPEN →
Middle82.0%1,41828.6%OPEN →
Middle102.3%4,64330.9%OPEN →
Middle100.6%2,53839.6%OPEN →
Moderate73.3%4,61639.9%OPEN →
Upper135.2%3,10429.0%OPEN →
Moderate73.8%2,77872.0%OPEN →
Upper133.5%1,18447.0%OPEN →
Upper138.1%3,86726.2%OPEN →
Low41.6%4,36358.5%OPEN →
Low40.6%4,68266.2%OPEN →
Low41.8%3,51670.5%OPEN →
Moderate54.1%3,64156.4%OPEN →
Low41.3%5,58268.9%OPEN →
Low37.7%4,05162.5%OPEN →
Low43.2%5,15572.6%OPEN →
Middle103.4%4,40528.2%OPEN →
Middle100.2%2,69314.6%OPEN →
Upper152.3%2,99933.6%OPEN →
Middle82.4%2,49842.4%OPEN →
Upper193.4%2,38228.9%OPEN →
Middle118.6%3,41236.4%OPEN →
Moderate60.2%3,31434.9%OPEN →
—0.0%1,06343.9%OPEN →
Upper220.2%2,83528.1%OPEN →
Low45.9%4,20179.1%OPEN →
Middle85.2%1,47356.4%OPEN →
Low44.3%2,44053.7%OPEN →
Low40.9%3,43272.0%OPEN →
Low29.4%2,48269.8%OPEN →
Low37.8%1,39779.3%OPEN →
Low29.0%2,64687.1%OPEN →
Moderate58.2%1,56454.4%OPEN →
Middle118.7%7,03114.1%OPEN →
Upper165.5%6,28313.2%OPEN →
Upper137.0%2,6379.9%OPEN →
Middle109.3%5,43810.7%OPEN →
Middle80.2%2,8739.4%OPEN →
Middle90.1%4,69013.9%OPEN →
Middle84.9%5,30310.8%OPEN →
Middle108.6%3,02515.6%OPEN →
Middle105.1%5,7919.8%OPEN →
Middle98.4%3,34810.4%OPEN →
Upper120.0%3,16911.3%OPEN →
Upper123.4%4,48812.7%OPEN →
Middle114.1%5,59821.6%OPEN →
Middle102.8%5,24616.1%OPEN →
Middle93.1%5,15920.6%OPEN →
Middle97.2%5,83313.0%OPEN →
Upper136.1%4,49311.2%OPEN →
Middle106.9%2,53413.3%OPEN →
Moderate75.4%3,87115.8%OPEN →
Low44.3%2,49139.8%OPEN →
Middle106.8%2,38523.3%OPEN →
Upper134.1%2,56917.8%OPEN →
Upper138.4%4,71313.7%OPEN →
Middle96.3%4,66618.7%OPEN →
Middle91.8%3,25720.5%OPEN →
Upper129.2%4,20010.7%OPEN →
Upper137.1%3,48616.5%OPEN →
Upper198.6%7,70722.1%OPEN →
Upper173.1%5,35520.7%OPEN →
Upper178.7%5,90520.2%OPEN →
Upper195.8%6,22122.6%OPEN →
Upper205.6%3,12717.3%OPEN →
Upper140.7%4,50230.3%OPEN →
Upper156.6%4,16515.9%OPEN →
Middle111.8%3,14422.0%OPEN →
Moderate74.5%6,15039.6%OPEN →
Middle91.4%3,28230.4%OPEN →
—0.0%6,51245.5%OPEN →
Middle90.0%3,29522.3%OPEN →
Upper170.1%6,78718.1%OPEN →
Upper128.4%4,18622.2%OPEN →
Moderate53.5%4,47851.0%OPEN →
Middle109.5%5,47230.9%OPEN →
Middle83.9%4,57035.6%OPEN →
Moderate76.0%5,62551.9%OPEN →
Middle97.6%2,76730.0%OPEN →
Upper149.6%5,76324.3%OPEN →
Upper144.1%4,29012.5%OPEN →
Upper130.4%5,19920.1%OPEN →
Upper152.3%2,55915.2%OPEN →
Middle100.3%4,09715.8%OPEN →
—0.0%1,44122.5%OPEN →
Upper162.3%5,31020.7%OPEN →
Middle84.5%3,05614.0%OPEN →
Middle96.7%4,48110.6%OPEN →
Middle83.3%1,71210.8%OPEN →
Moderate75.4%3,77519.3%OPEN →
Middle83.7%2,93417.3%OPEN →
Moderate66.6%4,43413.7%OPEN →
Middle82.0%4,08424.6%OPEN →
Middle91.9%4,56617.8%OPEN →
Moderate57.5%3,90342.1%OPEN →
Middle80.7%3,86416.6%OPEN →
Middle93.8%2,72741.8%OPEN →
Middle85.4%4,01867.0%OPEN →
Moderate66.2%1,35670.7%OPEN →
Moderate68.1%2,51662.7%OPEN →
Middle80.2%2,43545.8%OPEN →
Middle80.7%2,58123.0%OPEN →
Middle107.8%2,74925.4%OPEN →
Middle89.4%1,99214.1%OPEN →
Middle108.5%4,11310.0%OPEN →
Middle83.4%5,0367.2%OPEN →
Middle103.6%5,49019.2%OPEN →
Middle107.4%3,92825.8%OPEN →
Middle113.0%3,26110.2%OPEN →
Middle99.8%2,33613.1%OPEN →
Moderate76.7%4,54023.1%OPEN →
Moderate73.9%1,82417.7%OPEN →
Moderate79.9%2,16615.5%OPEN →
Upper146.7%1,4415.2%OPEN →
Middle111.5%5,3705.9%OPEN →
Middle92.5%4,6249.8%OPEN →
Moderate62.7%2,33318.3%OPEN →
Moderate66.2%1,48713.1%OPEN →
Middle85.3%2,17011.9%OPEN →
Middle94.0%3,9889.5%OPEN →
Middle103.2%3,6587.3%OPEN →
Upper122.5%4,6779.1%OPEN →
Upper126.8%3,7558.3%OPEN →
Upper127.8%5,0676.7%OPEN →
Moderate52.5%3,84329.7%OPEN →
Low49.9%2,36423.8%OPEN →
Moderate72.7%4,93115.8%OPEN →
Moderate71.9%1,8429.8%OPEN →
Middle84.1%2,53912.9%OPEN →
Middle106.8%4,1299.6%OPEN →
Middle98.8%2,93811.5%OPEN →
Middle82.0%4,13312.8%OPEN →
Middle88.2%2,99611.2%OPEN →
Middle95.2%6,0538.8%OPEN →
Middle104.5%6,4157.8%OPEN →
Upper154.7%4,5417.7%OPEN →
Upper138.7%4,4867.1%OPEN →
Middle111.1%6,2368.8%OPEN →
Upper136.9%5,4407.7%OPEN →
Upper138.7%3,5856.4%OPEN →
Upper158.8%6,5947.3%OPEN →
Upper149.8%7,3096.3%OPEN →
Upper215.2%7,1206.7%OPEN →
Upper165.1%2,9427.8%OPEN →
Upper122.2%6,3688.0%OPEN →
Upper155.6%5,9478.0%OPEN →
Upper120.8%2,6854.9%OPEN →
Upper132.1%5,3845.6%OPEN →
Upper122.7%2,1804.5%OPEN →
Upper133.0%3,6945.5%OPEN →
Middle119.5%6,4045.7%OPEN →
Middle113.1%5,3174.7%OPEN →
Upper127.1%4,8106.6%OPEN →
Upper181.9%7,9576.9%OPEN →
Upper124.7%5,4048.3%OPEN →
Upper163.9%7,0589.7%OPEN →
Middle112.9%3,9215.7%OPEN →
Middle110.1%5,7636.6%OPEN →
Middle99.1%4,2649.4%OPEN →
Middle86.5%3,6018.0%OPEN →
Middle81.5%2,32813.4%OPEN →
Middle106.4%5,26112.5%OPEN →
Upper176.3%4,75317.9%OPEN →
Upper121.5%4,04113.9%OPEN →
Upper203.9%4,27316.9%OPEN →
Upper154.8%5,7718.1%OPEN →
Upper171.6%4,73110.9%OPEN →
Upper125.4%4,1205.3%OPEN →
Moderate79.6%2,6049.3%OPEN →
Middle102.5%3,9956.2%OPEN →
Middle109.3%2,0905.3%OPEN →
Middle112.0%2,6046.6%OPEN →
Middle105.6%5,9925.0%OPEN →
Upper132.1%5,1894.9%OPEN →
Upper125.0%3,0097.8%OPEN →
Middle102.3%3,2816.0%OPEN →
Middle110.5%3,1214.9%OPEN →
Middle106.5%2,7165.0%OPEN →
Middle115.3%3,0945.4%OPEN →
Middle118.4%4,8545.3%OPEN →
Upper124.8%4,8596.6%OPEN →
Middle104.3%2,7146.6%OPEN →
Middle95.8%2,4728.3%OPEN →
Middle99.8%4,8897.3%OPEN →
Middle91.3%2,04610.9%OPEN →
Middle85.4%2,4388.7%OPEN →
Middle92.4%3,4637.5%OPEN →
Moderate76.1%1,91212.8%OPEN →
Middle93.6%3,5048.1%OPEN →
Middle97.7%4,0943.4%OPEN →
Middle95.1%4,2227.1%OPEN →
Moderate65.6%2,33314.4%OPEN →
Low30.0%2,56741.7%OPEN →
Moderate56.7%3,06266.3%OPEN →
Middle118.3%2,35444.6%OPEN →
Low36.7%2,88795.9%OPEN →
—0.0%2,64131.3%OPEN →
Low40.1%2,06591.2%OPEN →
Moderate56.9%1,71392.6%OPEN →
Upper132.1%3,51936.2%OPEN →
Moderate67.4%2,98896.9%OPEN →
Low41.7%5,39468.4%OPEN →
Middle94.8%2,26313.1%OPEN →
Middle103.0%2,9737.1%OPEN →
Middle113.1%3,9577.2%OPEN →
Moderate51.5%4,63650.2%OPEN →
Moderate64.7%1,45317.1%OPEN →
Middle92.9%2,2486.2%OPEN →
Moderate50.5%2,13575.4%OPEN →
—0.0%18100.0%OPEN →
—0.0%——OPEN →
—0.0%2,19362.2%OPEN →
—0.0%——OPEN →
—0.0%96355.5%OPEN →
—0.0%00.0%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

950,622

Median household income

$72,839

Median home value

$233,800

Median gross rent

$1,090

per month

Owner-occupied

65.8%

of occupied units

Housing units

441,214

7.2% vacant

Poverty rate

13.9%

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 High

score 97.7

Social vulnerability

Relatively Moderate

Community resilience

Very High

ELEVATED PERILS

Inland flooding Relatively High · Tornado Relatively High · Winter weather Very 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

77

Declarations recorded

27

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

Everything we hold on Erie 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 Erie County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Erie County →Every reported application and origination in FIPS 36029, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Erie 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

489

—

Purchase share

56.6%

277 loans

IRRRL refinances

102

Cash-out refinances

110

2026489—277102110
2025556—34857151
2024453—32115117
2023446—3212123
2022——428121296
20211,269—466554249
2020991—443326222
2019781—52625230
2018814—52250242
2017868—501127240
2016742—449109184
2015764—455118191

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 Erie 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

Erie 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

666

+14.0% vs 2024

Multifamily · 2025

547

−12.3% vs 2024

Total authorized · 2025

1,213

+0.4% vs 2024

Permit valuation · 2025

$392.8M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420251,213 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 Erie County, showing population movement and wealth transfer.

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

outflow2223Niagara County, NY2,1633,468$126.4M
inflow2223Niagara County, NY1,8922,829$101.8M
outflow2223Other flows - South, DS1,5552,704$119.2M
inflow2223Other flows - South, DS1,3312,235$84.3M
inflow2223Other flows - Midwest, DS6821,148$47.0M
outflow2223Other flows - Midwest, DS6751,120$40.0M
inflow2223Other flows - Northeast, DS599950$40.8M
inflow2223Monroe County, NY566789$32.0M
outflow2223Other flows - Northeast, DS560873$45.0M
outflow2223Monroe County, NY556750$31.5M
outflow2223Other flows - West, DS534750$37.1M
inflow2223Other flows - West, DS465743$33.4M
inflow2223Queens County, NY424990$17.6M
outflow2223Cattaraugus County, NY366586$20.4M
inflow2223Cattaraugus County, NY352527$16.1M
outflow2223Chautauqua County, NY347585$18.1M
inflow2223Chautauqua County, NY345502$16.8M
inflow2223Kings County, NY286597$15.7M
outflow2223Genesee County, NY251418$14.5M
outflow2223Kings County, NY234300$13.6M
outflow2223New York County, NY232262$22.5M
inflow2223Onondaga County, NY219284$13.0M
inflow2223Bronx County, NY217515$7.8M
outflow2223Wyoming County, NY213358$13.9M
outflow2223King County, WA203219$17.5M
outflow2223Mecklenburg County, NC199337$15.9M
outflow2223Queens County, NY195313$8.1M
inflow2223Wyoming County, NY188285$10.4M
inflow2223Genesee County, NY180244$9.3M
outflow2223Foreign - Overseas, FR180268$15.7M
outflow2223Cook County, IL154194$12.6M
outflow2223Onondaga County, NY152210$9.7M
outflow2223Hillsborough County, FL144232$16.9M
outflow2223Allegheny County, PA138176$7.2M
outflow2223Maricopa County, AZ132178$8.2M
inflow2223Suffolk County, NY124176$6.1M
inflow2223New York County, NY124165$12.8M
inflow2223Los Angeles County, CA120187$9.1M
outflow2223Pinellas County, FL116166$14.3M
outflow2223Los Angeles County, CA112145$6.3M
outflow2223Hudson County, NJ109116$7.7M
inflow2223Maricopa County, AZ106171$8.2M
inflow2223Foreign - Overseas, FR105165$9.1M
outflow2223Wake County, NC98160$7.9M
outflow2223Harris County, TX97162$5.8M
outflow2223Palm Beach County, FL97157$26.1M
outflow2223Suffolk County, MA95101$6.1M
inflow2223Nassau County, NY95144$6.0M
outflow2223Lee County, FL89151$13.5M
outflow2223San Diego County, CA87129$5.8M
outflow2223Sarasota County, FL86136$13.5M
outflow2223Bronx County, NY85146$3.1M
inflow2223Cook County, IL85107$6.7M
outflow2223Manatee County, FL83150$11.3M
outflow2223Cuyahoga County, OH82108$5.1M
outflow2223Orange County, FL79137$3.9M
outflow2223Santa Clara County, CA7886$7.1M
outflow2223Dallas County, TX77108$7.8M
inflow2223Ontario County, NY77108$3.9M
inflow2223Hillsborough County, FL76122$3.5M
outflow2223Middlesex County, MA7687$4.9M
outflow2223Denver County, CO7684$4.9M
inflow2223Allegany County, NY76101$3.6M
outflow2223Travis County, TX7488$5.6M
outflow2223Orleans County, NY73117$4.1M
outflow2223Philadelphia County, PA7289$3.8M
outflow2223Allegany County, NY72109$3.8M
outflow2223Suffolk County, NY7198$3.6M
inflow2223Allegheny County, PA70118$5.3M
outflow2223Fulton County, GA6993$3.6M
outflow2223Clark County, NV6990$4.9M
inflow2223Pinellas County, FL6890$3.2M
outflow2223District of Columbia, DC6775$4.9M
outflow2223Albany County, NY6686$3.1M
inflow2223Oneida County, NY65106$3.9M
inflow2223Mecklenburg County, NC64118$4.0M
inflow2223Westchester County, NY6394$3.3M
inflow2223Albany County, NY6292$4.6M
outflow2223Ontario County, NY6193$4.4M
outflow2223Broward County, FL6078$5.3M
inflow2223Clark County, NV5988$5.9M
outflow2223Franklin County, OH5988$3.4M
inflow2223Harris County, TX59124$4.9M
outflow2223Pasco County, FL58107$4.6M
outflow2223Westchester County, NY5889$4.5M
inflow2223Lee County, FL5791$5.7M
inflow2223Erie County, PA5793$3.1M
inflow2223Orleans County, NY5567$2.4M
inflow2223Middlesex County, MA5486$5.1M
inflow2223San Diego County, CA5485$3.9M
outflow2223Tarrant County, TX5493$2.4M
outflow2223Oneida County, NY5276$2.6M
inflow2223Franklin County, OH5272$3.4M
inflow2223Broome County, NY5289$3.6M
outflow2223Polk County, FL5183$2.5M
outflow2223Davidson County, TN5163$3.0M
inflow2223Philadelphia County, PA5066$3.5M
outflow2223Osceola County, FL5094$2.3M
outflow2223Wayne County, MI4983$2.2M
outflow2223Erie County, PA4976$2.0M
inflow2223Suffolk County, MA4862$6.0M
inflow2223Broward County, FL4873$4.3M
inflow2223Foreign - Other flows, FR4792$1.8M
outflow2223Collin County, TX4793$3.3M
outflow2223Fairfax County, VA4672$3.5M
outflow2223Providence County, RI4650$2.7M
inflow2223Tompkins County, NY4659$2.7M
inflow2223King County, WA4681$4.9M
inflow2223Cuyahoga County, OH4664$3.2M
inflow2223Steuben County, NY4559$2.3M
inflow2223Chemung County, NY4561$2.7M
inflow2223Palm Beach County, FL4574$2.0M
outflow2223Montgomery County, MD4553$2.8M
outflow2223Horry County, SC4492$4.1M
outflow2223Arlington County, VA4361$3.4M
outflow2223Brevard County, FL4363$4.0M
outflow2223Nassau County, NY4362$2.8M
inflow2223DeKalb County, GA4276$1.9M
outflow2223Collier County, FL4267$12.2M
outflow2223Livingston County, NY4261$2.1M
outflow2223Bexar County, TX4276$2.2M
inflow2223Fairfax County, VA4275$5.0M
inflow2223Dutchess County, NY4051$2.2M
outflow2223Miami-Dade County, FL4050$2.1M
inflow2223Wayne County, MI4072$1.6M
inflow2223Orange County, FL4072$1.9M
outflow2223Foreign - Puerto Rico, FR3965$516K
inflow2223Polk County, FL3960$1.8M
outflow2223DeKalb County, GA3976$2.0M
outflow2223Saratoga County, NY3851$2.5M
outflow2223Tompkins County, NY3842$1.6M
outflow2223Alameda County, CA3853$2.7M
outflow2223Orange County, CA3752$5.6M
inflow2223Livingston County, NY3758$2.1M
inflow2223Sarasota County, FL3757$2.4M
inflow2223Miami-Dade County, FL3764$3.3M
inflow2223Manatee County, FL3758$2.3M
outflow2223Pima County, AZ3760$2.6M
outflow2223Volusia County, FL3656$1.9M
inflow2223Orange County, NY3645$1.5M
outflow2223Charleston County, SC3552$8.7M
outflow2223Hamilton County, OH3545$1.6M
inflow2223Wake County, NC3457$2.6M
outflow2223Hennepin County, MN3444$1.3M
outflow2223Gwinnett County, GA3472$1.9M
outflow2223Lake County, FL3457$2.9M
outflow2223Williamson County, TX3360$2.7M
inflow2223Wayne County, NY3340$1.6M
inflow2223Saratoga County, NY3347$2.6M
inflow2223Lake County, FL3352$1.6M
outflow2223Baltimore city, MD3345$2.4M
outflow2223Broome County, NY3352$1.5M
outflow2223Greenville County, SC3367$2.2M
inflow2223Capitol Planning Region, CT3248$3.2M
inflow2223Tarrant County, TX3275$2.2M
outflow2223Sumter County, FL3259$4.5M
outflow2223Dutchess County, NY3140$2.0M
inflow2223Richmond County, NY3142$1.3M
outflow2223Middlesex County, NJ3140$1.9M
outflow2223Oakland County, MI3140$2.0M
outflow2223Marion County, FL3153$3.3M
outflow2223Duval County, FL3157$2.5M
inflow2223Gwinnett County, GA3047$1.4M
inflow2223Denver County, CO3039$2.6M
outflow2223Salt Lake County, UT3048$2.4M
inflow2223Travis County, TX3054$2.6M
inflow2223Honolulu County, HI3060$1.9M
outflow2223Virginia Beach city, VA2945$2.1M
outflow2223Montgomery County, PA2951$2.4M
outflow2223Seminole County, FL2956$1.8M
outflow2223El Paso County, CO2953$1.6M
outflow2223Wayne County, NY2836$1.2M
outflow2223Guilford County, NC2855$1.4M
outflow2223Western Connecticut Planning Regi, CT2844$4.3M
outflow2223Allen County, IN2866$688K
outflow2223Essex County, NJ2835$1.3M
outflow2223Steuben County, NY2837$1.6M
outflow2223Foreign - Other flows, FR2853$1.7M
inflow2223Orange County, CA2842$2.0M
inflow2223Dallas County, TX2752$2.2M
outflow2223Bergen County, NJ2746$4.7M
outflow2223Chemung County, NY2732$1.4M
inflow2223Riverside County, CA2748$1.9M
inflow2223Osceola County, FL2742$617K
inflow2223Hudson County, NJ2739$3.3M
inflow2223Middlesex County, NJ2749$1.6M
inflow2223Davidson County, TN2740$2.4M
inflow2223Jefferson County, NY2641$1.6M
inflow2223District of Columbia, DC2641$2.3M
inflow2223Brevard County, FL2645$1.5M
inflow2223Volusia County, FL2640$1.0M
outflow2223Cobb County, GA2657$2.0M
outflow2223Rensselaer County, NY2535$1.4M
inflow2223Montgomery County, MD2546$2.6M
inflow2223Pasco County, FL2534$1.1M
outflow2223Cumberland County, NC2545$697K
inflow2223Ulster County, NY2533$1.6M
outflow2223Berkeley County, SC2439$1.8M
outflow2223Onslow County, NC2444$967K
outflow2223Cabarrus County, NC2451$1.4M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Erie County.

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

2023PurchaseNo CharacteristicAll Appraisals4,977.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals1,659.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals6,636.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals250,000.0
2023BothNo CharacteristicAll Appraisals260,500.0
2023PurchaseNo CharacteristicAll Appraisals265,000.0
2023PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals250,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals254,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,694.0
2022PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals245,000.0
2022BothNo CharacteristicAll Appraisals8,568.0
2022PurchaseNo CharacteristicAll Appraisals5,874.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals250,000.0
2021BothNo CharacteristicAll Appraisals12,409.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals6,623.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals5,786.0
2021PurchaseNo CharacteristicAll Appraisals0.0
2021BothNo CharacteristicAll Appraisals244,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals240,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals12,560.0
2020PurchaseNo CharacteristicAll Appraisals6,323.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals230,000.0
2020RefinanceNo CharacteristicAll Appraisals256,000.0
2020RefinanceNo CharacteristicAll Appraisals6,237.0
2020PurchaseNo CharacteristicAll Appraisals210,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals200,000.0
2019PurchaseNo CharacteristicAll Appraisals6,155.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals217,000.0
2019BothNo CharacteristicAll Appraisals9,969.0
2019RefinanceNo CharacteristicAll Appraisals3,814.0
2019PurchaseNo CharacteristicAll Appraisals190,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals186,000.0
2018BothNo CharacteristicAll Appraisals9,140.0
2018PurchaseNo CharacteristicAll Appraisals6,135.0
2018RefinanceNo CharacteristicAll Appraisals3,005.0
2018BothNo CharacteristicAll Appraisals180,000.0
2018PurchaseNo CharacteristicAll Appraisals177,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals180,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals9,016.0
2017PurchaseNo CharacteristicAll Appraisals5,813.0
2017PurchaseNo CharacteristicAll Appraisals175,000.0
2017RefinanceNo CharacteristicAll Appraisals3,203.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals176,500.0
2016PurchaseNo CharacteristicAll Appraisals5,948.0
2016RefinanceNo CharacteristicAll Appraisals191,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals167,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals176,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals10,054.0
2016RefinanceNo CharacteristicAll Appraisals4,106.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals160,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals182,000.0
2015BothNo CharacteristicAll Appraisals9,764.0
2015RefinanceNo CharacteristicAll Appraisals3,753.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals6,011.0
2015BothNo CharacteristicAll Appraisals168,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals162,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05465,165445,88019,2854.1%
2026-04464,312445,69818,6144.0%
2026-03467,596447,07320,5234.4%
2026-02466,291443,19423,0975.0%
2026-01467,315446,08721,2284.5%
2025-12466,046447,94018,1063.9%
2025-11468,768450,72918,0393.8%
2025-09465,788447,07118,7174.0%
2025-08463,201443,11920,0824.3%
2025-07465,409445,80519,6044.2%
2025-06467,858450,82617,0323.6%
2025-05462,553446,88215,6713.4%
2025-04462,567446,66215,9053.4%
2025-03459,412440,52418,8884.1%
2025-02457,639436,34521,2944.7%
2025-01459,066438,92520,1414.4%
2024-12454,786437,57917,2073.8%
2024-11458,285442,32915,9563.5%
2024-10459,661443,98315,6783.4%
2024-09462,909447,52615,3833.3%
2024-08461,085441,98519,1004.1%
2024-07465,470446,06419,4064.2%
2024-06467,409450,60616,8033.6%
2024-05462,289446,50615,7833.4%
2024-04461,670445,76215,9083.4%
2024-03462,920443,70119,2194.2%
2024-02461,408440,53820,8704.5%
2024-01459,050439,14219,9084.3%
2023-12459,588441,93217,6563.8%
2023-11467,543450,71816,8253.6%
2023-10466,884450,00916,8753.6%
2023-09470,659454,49616,1633.4%
2023-08468,916450,66818,2483.9%
2023-07470,480454,01116,4693.5%
2023-06470,233455,17815,0553.2%
2023-05465,088451,01014,0783.0%
2023-04461,531448,73612,7952.8%
2023-03461,324444,89316,4313.6%
2023-02459,216440,91818,2984.0%
2023-01458,965441,07417,8913.9%
2022-12455,037440,22214,8153.3%
2022-11456,488442,34414,1443.1%
2022-10458,704445,20613,4982.9%
2022-09460,102445,75114,3513.1%
2022-08461,549443,51918,0303.9%
2022-07461,353444,04917,3043.8%
2022-06464,247448,52015,7273.4%
2022-05459,731445,50614,2253.1%
2022-04454,839440,15014,6893.2%
2022-03459,029441,31317,7163.9%
2022-02457,131437,26019,8714.3%
2022-01455,855436,80219,0534.2%
2021-12452,049437,34214,7073.3%
2021-11455,228438,91616,3123.6%
2021-10453,636435,96217,6743.9%
2021-09457,455438,34919,1064.2%
2021-08459,866436,30023,5665.1%
2021-07463,241438,20525,0365.4%
2021-06462,877436,72026,1575.7%
2021-05457,071433,04124,0305.3%
2021-04456,234429,97626,2585.8%
2021-03457,443426,82930,6146.7%
2021-02455,288422,29632,9927.2%
2021-01453,694420,86232,8327.2%
2020-12452,641419,80532,8367.3%
2020-11457,049430,84226,2075.7%
2020-10459,941432,65127,2905.9%
2020-09462,268429,01733,2517.2%
2020-08463,982425,97738,0058.2%
2020-07466,811417,98748,82410.5%
2020-06465,139411,09054,04911.6%
2020-05458,011387,49670,51515.4%
2020-04457,157364,30692,85120.3%
2020-03469,930444,70325,2275.4%
2020-02470,531448,55821,9734.7%
2020-01471,431449,38322,0484.7%
2019-12468,553448,84919,7044.2%
2019-11469,573451,71417,8593.8%
2019-10471,842454,25917,5833.7%
2019-09472,169455,28216,8873.6%
2019-08473,986454,12119,8654.2%
2019-07474,992454,75320,2394.3%
2019-06469,942452,67717,2653.7%
2019-05466,945450,97715,9683.4%
2019-04464,008447,78516,2233.5%
2019-03466,392446,96019,4324.2%
2019-02463,690442,90220,7884.5%
2019-01466,398445,01621,3824.6%
2018-12464,995446,34018,6554.0%
2018-11465,461449,00416,4573.5%
2018-10469,185452,68216,5033.5%
2018-09471,704455,23616,4683.5%
2018-08472,960453,62719,3334.1%
2018-07475,932455,74620,1864.2%
2018-06473,634454,16319,4714.1%
2018-05467,676449,95917,7173.8%
2018-04462,718442,86419,8544.3%
2018-03463,726440,58623,1405.0%
2018-02461,156435,42825,7285.6%
2018-01462,453437,54024,9135.4%

BEA Personal Income

2024$61.60B950,602$65K
2023$58.90B948,386$62K
2022$55.48B948,745$58K
2021$55.33B953,023$58K
2020$52.51B952,353$55K
2019$47.86B952,161$50K
2018$45.95B949,686$48K
2017$44.71B945,520$47K
2016$42.61B941,531$45K
2015$41.79B939,783$44K
2014$40.09B937,256$43K
2013$39.08B932,734$42K
2012$38.77B928,112$42K
2011$37.51B924,403$41K
2010$36.11B920,059$39K
2009$34.88B919,334$38K
2008$34.54B920,571$38K
2007$32.99B921,887$36K
2006$31.37B925,564$34K
2005$29.96B931,745$32K
2004$29.72B938,333$32K
2003$28.61B941,846$30K
2002$27.73B943,551$29K
2001$27.31B946,515$29K
2000$27.44B949,440$29K
1999$26.01B952,546$27K
1998$24.97B956,578$26K
1997$24.11B963,040$25K
1996$23.14B970,375$24K
1995$22.50B973,927$23K
1994$21.57B977,079$22K
1993$20.81B977,751$21K
1992$20.42B976,538$21K
1991——$20K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-04-03$0——Yes
2026-04-01$48K$41K$7KYes
2026-03-31$126K$125K$1KYes
2026-03-11$8K$8K$0No
2026-03-11$12K$12K$0No
2026-03-11$11K$11K$0No
2024-05-22$1K$1K$0Yes
2024-05-22$5K$5K$0Yes
2024-01-26$0$0$0Yes
2024-01-26$0——Yes
2024-01-25$0——Yes
2024-01-25$0——Yes
2023-07-24$0$0$0Yes
2023-05-22$0$0$0No
2022-12-26$1K$1K$0Yes
2022-12-23$49K$48K$798.29Yes
2022-12-23$125K$118K$7KNo
2022-12-22$17K$17K$0Yes
2022-11-08$0$0$0Yes
2022-02-23$10K$10K$0Yes
2022-02-22$0——Yes
2022-02-22$8K$8K$0Yes
2022-02-18$5K$5K$544.45Yes
2022-02-18$5K$5K$0Yes
2022-02-17$3K$3K$0Yes
2022-02-17$9K$9K$0Yes
2022-02-17$98K$73K$25KYes
2022-02-17$4K$4K$0Yes
2022-02-17$5K$5K$0Yes
2022-02-17$25K$25K$0Yes
2022-02-17$20K$19K$737.95Yes
2022-02-17$0——Yes
2022-02-17$6K$6K$0Yes
2022-02-17$87K$87K$0Yes
2022-02-17$3K$3K$0Yes
2022-02-17$0——Yes
2021-12-12$48K$48K$0Yes
2021-12-11$112K$109K$3KYes
2021-12-11$1K$1K$0Yes
2021-12-11$38K$38K$0No
2021-12-11$63K$63K$0No
2021-12-11$28K$28K$0Yes
2021-12-11$114K$114K$0Yes
2021-12-11$1K$1K$0No
2021-12-11$0——Yes
2021-12-11$0$0$0No
2021-12-06$11K$11K$0Yes
2021-10-04$0$0$0Yes
2021-07-18$0$0$0No
2021-07-17$0——Yes
2021-07-14$11K$11K$0Yes
2021-03-12$57K$57K$0No
2021-02-01$0$0$0No
2020-11-15$16K$16K$0Yes
2020-11-15$6K$6K$0Yes
2020-11-15$6K$6K$0Yes
2020-11-15$14K$14K$0Yes
2020-11-15$122K$100K$22KNo
2020-11-15$32K$31K$578.35Yes
2020-11-15$44K$43K$983.59No
2020-11-15$0$0$0Yes
2020-11-15$42K$36K$5KYes
2020-11-15$202K$161K$41KYes
2020-11-15$79K$79K$354.12No
2020-11-15$81K$75K$6KYes
2020-11-15$40K$21K$19KYes
2020-11-15$7K$7K$0No
2020-11-15$8K$8K$0Yes
2020-11-15$54K$51K$4KYes
2020-11-15$40K$40K$0Yes
2020-03-03$12K$9K$3KYes
2020-02-28$0$0$0Yes
2020-02-27$0——Yes
2019-11-27$4K$4K$0No
2019-11-27$22K$22K$0Yes
2019-11-01$2K$2K$0Yes
2019-11-01$24K$24K$0Yes
2019-10-31$4K$4K$0No
2019-10-31$0——Yes
2019-10-31$61K$57K$5KYes
2019-10-31$20K$20K$0No
2019-10-31$44K$41K$2KYes
2019-10-31$10K$8K$1KYes
2019-10-31$37K$36K$755.25Yes
2019-10-31$4K$3K$249.1Yes
2019-10-31$119K$110K$9KYes
2019-10-31$4K$4K$216.67Yes
2019-10-27$44K$39K$5KYes
2019-09-05$0——Yes
2019-07-25$0——Yes
2019-06-22$0——Yes
2019-06-10$0——No
2019-04-02$0——Yes
2019-02-04$0——Yes
2019-02-04$0——Yes
2018-11-02$4K$4K$0Yes
2018-10-26$1K$1K$0No
2018-10-06$0——Yes
2018-05-25$0——Yes
2018-05-16$3K$3K$0Yes

ALSO CHECKED

18 more data areas were checked for Erie 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 ERIE COUNTY →Opens the loan explorer already filtered to county FIPS 36029.

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.