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State markets/Pennsylvania/Erie County

COUNTY MORTGAGE MARKET · FIPS 42049

Erie County, Pennsylvania

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

$858.7M

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

Originations · 2025

4,891

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

Denial rate · 2025

18.2%

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

Lenders active · 2025

250

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

Concentration (HHI)

438

unconcentrated

Top-5 lender share

37.1%

of originations

Purchase

62.5%

2,232 loans

Refinance

37.5%

1,341 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.

545$104.1M$104.1M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
352$70.2M$70.2M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$52.3M$52.3M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
321$49.5M$49.5M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
391$42.9M$42.9M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
398$41.3M$41.3M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
185$34.4M$34.4M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
176$33.7M$33.7M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
175$33.0M$33.0M originated in Erie County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
264$31.5M$31.5M 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 35 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.
35 OF 35 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
66 of the 9 Erie County tracts this ZIP area touches sit mostly inside it.31,45314.1%8,915——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.23,95321.0%7,487——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.23,70212.0%7,234——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Erie County tracts this ZIP area touches sit mostly inside it.18,82763.3%2,408——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Erie County tracts this ZIP area touches sit mostly inside it.18,26235.4%2,790——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 Erie County tracts this ZIP area touches sit mostly inside it.15,61717.9%5,142——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.13,9169.5%5,028——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 9 Erie County tracts this ZIP area touches sit mostly inside it.13,14629.3%3,409——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.12,4388.2%3,455——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.11,9165.6%3,955——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Erie County tracts this ZIP area touches sit mostly inside it.11,2396.8%3,609——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.11,1388.8%3,259——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.10,8659.4%2,941——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.10,78119.3%2,729——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.9,2317.4%2,844——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 10 Erie County tracts this ZIP area touches sit mostly inside it.5,86141.8%617——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.5,4536.1%1,826——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.4,9136.3%1,621——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.3,4405.2%1,023——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Erie County tract this ZIP area touches sit mostly inside it.3,0766.6%1,160——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.2,6816.4%791——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Erie County tracts this ZIP area touches sit mostly inside it.2,6097.3%890——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Erie County tracts this ZIP area touches sit mostly inside it.2,3565.4%808——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 8 Erie County tracts this ZIP area touches sit mostly inside it.1,72438.3%0——OPEN →This ZIP area is one census tract here, so its records open directly and 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 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 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.
11 of the 1 Erie County tract this ZIP area touches sit mostly inside it.—————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 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.

74 of Erie County’s 74 census tracts are grouped into the ZIP areas above, with none left over. 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 74 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.

74 OF 74 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low20.1%1,72438.3%OPEN →
Upper131.7%3,7099.4%OPEN →
Moderate64.8%3,68436.8%OPEN →
Moderate57.5%2,17750.5%OPEN →
Low44.9%3,05954.6%OPEN →
Low42.3%3,22544.7%OPEN →
Low49.1%2,43755.3%OPEN →
Low38.7%2,63457.4%OPEN →
Moderate73.2%2,44031.1%OPEN →
—0.0%2,63330.7%OPEN →
Moderate57.7%3,25831.2%OPEN →
Moderate72.3%2,69031.6%OPEN →
Low45.2%2,34753.1%OPEN →
Low28.9%1,72074.9%OPEN →
Moderate52.4%1,50456.5%OPEN →
Low44.2%2,75972.9%OPEN →
Moderate72.4%3,96246.1%OPEN →
Moderate70.7%2,67564.7%OPEN →
Low38.2%2,03974.4%OPEN →
Moderate51.4%1,60136.0%OPEN →
Moderate78.5%3,29336.5%OPEN →
Middle110.2%3,57712.3%OPEN →
Middle106.4%3,71016.7%OPEN →
Moderate76.1%2,57225.4%OPEN →
Middle87.8%2,98726.5%OPEN →
Moderate53.2%2,42047.6%OPEN →
Middle91.5%4,04939.5%OPEN →
Middle93.3%6,55125.6%OPEN →
Middle103.9%6,67716.4%OPEN →
Upper153.3%2,77110.5%OPEN →
Middle80.8%3,94721.6%OPEN →
Middle119.3%3,0766.6%OPEN →
Middle106.8%1,9124.4%OPEN →
Middle109.0%2,3565.4%OPEN →
Moderate75.7%1,5286.2%OPEN →
—0.0%——OPEN →
Middle102.8%5,9347.8%OPEN →
Middle105.5%5,3055.6%OPEN →
Upper126.4%4,9136.3%OPEN →
Upper143.5%6,30710.8%OPEN →
Upper151.2%4,8316.3%OPEN →
Upper124.4%4,7188.3%OPEN →
Middle91.2%4,08410.6%OPEN →
Middle104.9%3,84713.5%OPEN →
Middle91.3%3,5318.9%OPEN →
Middle112.5%4,3389.6%OPEN →
Upper143.2%6,85415.2%OPEN →
Upper216.3%5,13210.7%OPEN →
Upper129.5%6,78813.4%OPEN →
Middle106.3%4,58117.9%OPEN →
Upper132.9%5,41516.6%OPEN →
Middle119.2%3,38011.4%OPEN →
Middle105.6%4,4784.7%OPEN →
Upper120.9%7,3427.7%OPEN →
Moderate79.6%3,22214.4%OPEN →
Middle95.4%3,8209.8%OPEN →
Middle112.0%3,7367.1%OPEN →
Upper129.0%5,08210.3%OPEN →
Upper120.4%2,6816.4%OPEN →
Upper137.8%3,0865.0%OPEN →
Upper165.4%2,05018.6%OPEN →
Middle88.8%4,10610.3%OPEN →
Upper125.3%2,9108.5%OPEN →
Middle110.2%5,4226.5%OPEN →
Middle97.2%2,6097.3%OPEN →
Middle94.3%3,0215.9%OPEN →
Moderate76.0%6,2108.1%OPEN →
Middle112.4%2,5264.6%OPEN →
Moderate73.3%2,9277.5%OPEN →
Middle100.4%7,4386.1%OPEN →
Upper122.7%5,9016.1%OPEN →
Moderate76.3%4,96413.4%OPEN →
Upper128.0%1,40510.3%OPEN →
—0.0%——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

269,052

Median household income

$63,354

Median home value

$177,000

Median gross rent

$904

per month

Owner-occupied

68.1%

of occupied units

Housing units

120,111

7.9% vacant

Poverty rate

15.0%

Unemployment

5.4%

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 Moderate

score 84.1

Social vulnerability

Relatively Moderate

Community resilience

Very High

ELEVATED PERILS

Strong wind Relatively High · Winter weather Relatively 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

55

Declarations recorded

11

Incident types on record: Biological, Flood, Hurricane, Severe Storm, Snowstorm, Tornado.

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 42049, 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

245

—

Purchase share

47.8%

117 loans

IRRRL refinances

72

Cash-out refinances

56

2026245—1177256
2025268—1425571
2024198—1391940
2023184—131251
2022——1666888
2021584—19831472
2020454—20420149
2019254—1812251
2018291—1912476
2017357—2008572
2016301—1388677
2015312—1539465

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

183

+22.8% vs 2024

Multifamily · 2025

60

−68.4% vs 2024

Total authorized · 2025

243

−28.3% vs 2024

Permit valuation · 2025

$75.4M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02505007501K1990199219941996199820002002200420062008201020122014201620182020202220242025243 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)

outflow2223Other flows - South, DS1,0001,695$71.0M
inflow2223Other flows - South, DS7321,234$50.1M
outflow2223Other flows - Midwest, DS374630$22.5M
outflow2223Crawford County, PA340569$14.7M
inflow2223Crawford County, PA337524$13.5M
inflow2223Other flows - Midwest, DS335511$19.8M
outflow2223Allegheny County, PA305383$19.5M
inflow2223Other flows - West, DS246378$15.3M
outflow2223Other flows - West, DS245363$11.7M
inflow2223Other flows - Northeast, DS241392$15.8M
outflow2223Other flows - Northeast, DS239354$12.2M
inflow2223Allegheny County, PA228321$12.4M
inflow2223Chautauqua County, NY144229$6.2M
outflow2223Chautauqua County, NY140216$6.0M
inflow2223Warren County, PA109187$4.6M
outflow2223Warren County, PA100175$4.4M
outflow2223Cuyahoga County, OH86114$3.6M
outflow2223Ashtabula County, OH76127$2.9M
inflow2223Venango County, PA6989$2.4M
inflow2223Ashtabula County, OH5993$2.2M
inflow2223Mercer County, PA5779$2.5M
outflow2223Butler County, PA5777$3.7M
outflow2223Erie County, NY5793$3.1M
inflow2223Erie County, NY4976$2.0M
outflow2223Mercer County, PA4976$2.8M
outflow2223Franklin County, OH4576$3.0M
inflow2223Cuyahoga County, OH4469$3.3M
inflow2223Butler County, PA4158$2.4M
outflow2223Venango County, PA4165$2.3M
inflow2223Westmoreland County, PA4065$2.1M
outflow2223Lake County, OH3858$1.8M
outflow2223Mecklenburg County, NC3661$2.0M
outflow2223Wake County, NC3549$2.0M
inflow2223Maricopa County, AZ3448$1.7M
outflow2223Maricopa County, AZ3345$1.8M
outflow2223Foreign - Overseas, FR3348$1.6M
inflow2223Franklin County, OH3253$1.3M
inflow2223Foreign - Other flows, FR3158$1.4M
outflow2223Beaver County, PA3143$1.7M
inflow2223Pinellas County, FL3039$2.2M
outflow2223Philadelphia County, PA2945$984K
outflow2223Hillsborough County, FL2950$2.0M
outflow2223Foreign - Other flows, FR2955$1.1M
inflow2223Beaver County, PA2850$1.4M
outflow2223Westmoreland County, PA2840$1.5M
inflow2223McKean County, PA2652$1.6M
outflow2223Monroe County, NY2639$1.5M
outflow2223Cook County, IL2639$1.3M
inflow2223Washington County, PA2645$1.5M
outflow2223Pinellas County, FL2532$913K
inflow2223Monroe County, NY2540$990K
outflow2223Summit County, OH2541$1.4M
inflow2223Lawrence County, PA2335$1.2M
outflow2223Dauphin County, PA2227$854K
outflow2223Washington County, PA2229$1.7M
inflow2223Elk County, PA2231$903K
inflow2223Philadelphia County, PA2226$628K
outflow2223Lee County, FL2242$3.3M
outflow2223Orange County, FL2128$841K
outflow2223Polk County, FL2137$949K
inflow2223Centre County, PA2025$867K
outflow2223New York County, NY2022$1.1M
outflow2223Los Angeles County, CA2028$1.0M
outflow2223Clark County, NV2033$803K
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS9501,698$77.1M
inflow2122Other flows - South, DS7331,277$44.8M
outflow2122Other flows - Midwest, DS364615$21.5M
outflow2122Crawford County, PA325535$14.0M
inflow2122Other flows - Midwest, DS316497$18.0M
inflow2122Crawford County, PA308545$13.0M
outflow2122Allegheny County, PA289370$13.2M
outflow2122Other flows - West, DS260427$15.0M
inflow2122Other flows - Northeast, DS253420$13.2M
inflow2122Other flows - West, DS238431$15.0M
outflow2122Other flows - Northeast, DS224324$12.5M
inflow2122Allegheny County, PA202284$10.8M
inflow2122Chautauqua County, NY124196$5.7M
inflow2122Warren County, PA102176$6.0M
outflow2122Chautauqua County, NY101157$4.9M
outflow2122Warren County, PA95158$3.4M
outflow2122Cuyahoga County, OH76106$4.9M
outflow2122Ashtabula County, OH74146$2.8M
inflow2122Ashtabula County, OH69115$2.7M
inflow2122Cuyahoga County, OH65103$3.9M
inflow2122Erie County, NY5798$3.0M
inflow2122Venango County, PA5587$2.6M
outflow2122Erie County, NY5585$3.1M
outflow2122Mercer County, PA5396$2.8M
inflow2122Butler County, PA5076$3.4M
inflow2122Mercer County, PA4566$2.0M
outflow2122Butler County, PA4463$2.5M
outflow2122Mecklenburg County, NC4378$2.6M
outflow2122Venango County, PA4371$1.5M
outflow2122Westmoreland County, PA4172$2.2M
outflow2122Pinellas County, FL4050$2.5M
inflow2122Westmoreland County, PA3854$1.9M
outflow2122Franklin County, OH3767$2.9M
outflow2122Philadelphia County, PA3546$1.2M
inflow2122Maricopa County, AZ3549$1.4M
inflow2122Franklin County, OH3361$1.1M
inflow2122Philadelphia County, PA3351$952K
outflow2122Maricopa County, AZ3343$1.6M
outflow2122Lake County, OH3148$1.6M
inflow2122Beaver County, PA3145$1.2M
outflow2122Washington County, PA3042$1.7M
outflow2122Summit County, OH2940$1.5M
outflow2122Beaver County, PA2943$1.6M
outflow2122Wake County, NC2851$1.8M
inflow2122Washington County, PA2737$1.8M
inflow2122Cook County, IL2642$2.1M
outflow2122Dauphin County, PA2650$943K
inflow2122Pinellas County, FL2532$673K
outflow2122Monroe County, NY2432$885K
outflow2122Hillsborough County, FL2342$959K
outflow2122Harris County, TX2239$1.3M
inflow2122Manatee County, FL2241$1.2M
inflow2122Lawrence County, PA2233$701K
outflow2122San Diego County, CA2138$1.5M
outflow2122Lawrence County, PA2128$1.1M
inflow2122Los Angeles County, CA2126$916K
inflow2122Lake County, OH2134$980K
inflow2122San Diego County, CA2141$1.7M
outflow2122Lee County, FL2132$2.2M
inflow2122McKean County, PA2032$1.1M
outflow2122Centre County, PA2026$758K
outflow2122Cook County, IL2032$1.2M
outflow2122McKean County, PA2028$619K
outflow2122Pasco County, FL2032$931K
inflow2122Mecklenburg County, NC2029$653K
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS9951,757$86.1M
inflow2021Other flows - South, DS7321,294$40.2M
outflow2021Crawford County, PA358633$14.7M
outflow2021Other flows - Midwest, DS328572$17.4M
inflow2021Crawford County, PA315545$12.1M
inflow2021Other flows - Midwest, DS301552$18.9M
outflow2021Allegheny County, PA260340$12.3M
inflow2021Other flows - Northeast, DS250410$13.7M
inflow2021Other flows - West, DS242421$12.9M
inflow2021Allegheny County, PA233330$10.9M
outflow2021Other flows - Northeast, DS233360$10.1M
outflow2021Other flows - West, DS221350$10.8M
inflow2021Chautauqua County, NY110189$5.4M
inflow2021Warren County, PA106170$3.7M
outflow2021Chautauqua County, NY101174$2.9M
outflow2021Ashtabula County, OH95144$3.9M
outflow2021Warren County, PA72123$3.0M
outflow2021Cuyahoga County, OH64104$2.9M
inflow2021Erie County, NY5889$2.9M
outflow2021Franklin County, OH5497$2.3M
outflow2021Mercer County, PA5394$2.3M
inflow2021Cuyahoga County, OH5279$2.4M
outflow2021Erie County, NY5079$2.9M
inflow2021Ashtabula County, OH4968$1.5M
outflow2021Butler County, PA4880$2.4M
inflow2021Venango County, PA4873$1.7M
outflow2021Venango County, PA4582$1.5M
inflow2021Butler County, PA4572$2.9M
inflow2021Mercer County, PA4465$2.4M
inflow2021Westmoreland County, PA4263$1.9M
outflow2021Maricopa County, AZ4153$1.6M
outflow2021Westmoreland County, PA3862$2.4M
outflow2021Pinellas County, FL3749$2.6M
inflow2021Philadelphia County, PA3664$1.2M
outflow2021Lee County, FL3668$3.0M
outflow2021Summit County, OH3553$1.4M
outflow2021Mecklenburg County, NC3358$1.5M
outflow2021Hillsborough County, FL3150$1.8M
outflow2021Beaver County, PA3137$1.6M
inflow2021Pinellas County, FL2944$694K
inflow2021Maricopa County, AZ2851$1.3M
inflow2021Monroe County, NY2734$1.0M
outflow2021Lake County, OH2739$1.1M
inflow2021Los Angeles County, CA2749$1.9M
inflow2021McKean County, PA2646$1.0M
inflow2021Franklin County, OH2444$1.2M
outflow2021Wake County, NC2434$1.6M
inflow2021Lake County, OH2339$911K
inflow2021Foreign - Other flows, FR2238$1.2M
outflow2021Dauphin County, PA2250$1.2M
inflow2021Washington County, PA2136$2.0M
outflow2021Clarion County, PA2132$655K
outflow2021Clark County, NV2133$807K
outflow2021Pima County, AZ2142$745K
outflow2021Monroe County, NY2029$1.1M
outflow2021Polk County, FL2042$940K
outflow2021Cook County, IL2029$1.1M
inflow2021San Diego County, CA2031$849K
inflow2021Cook County, IL2033$2.3M
inflow2021Mecklenburg County, NC2033$1.5M
outflow1920Other flows - South, DS9121,665$96.3M
inflow1920Other flows - South, DS7061,328$41.9M
outflow1920Crawford County, PA348613$14.3M
outflow1920Other flows - Midwest, DS343643$19.7M
inflow1920Other flows - Midwest, DS325636$17.0M
inflow1920Crawford County, PA323549$13.4M
outflow1920Allegheny County, PA283398$11.1M
inflow1920Other flows - Northeast, DS260449$17.2M

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 Appraisals1,200.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals340.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,540.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals182,500.0
2023BothNo CharacteristicAll Appraisals183,000.0
2023PurchaseNo CharacteristicAll Appraisals183,300.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals177,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals176,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals528.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals178,500.0
2022BothNo CharacteristicAll Appraisals2,091.0
2022PurchaseNo CharacteristicAll Appraisals1,563.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals185,900.0
2021BothNo CharacteristicAll Appraisals3,124.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals1,919.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals1,205.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals170,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals160,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals2,570.0
2020PurchaseNo CharacteristicAll Appraisals1,631.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals165,000.0
2020RefinanceNo CharacteristicAll Appraisals189,000.0
2020RefinanceNo CharacteristicAll Appraisals939.0
2020PurchaseNo CharacteristicAll Appraisals152,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals151,000.0
2019PurchaseNo CharacteristicAll Appraisals1,472.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals165,000.0
2019BothNo CharacteristicAll Appraisals1,975.0
2019RefinanceNo CharacteristicAll Appraisals503.0
2019PurchaseNo CharacteristicAll Appraisals146,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals140,000.0
2018BothNo CharacteristicAll Appraisals1,492.0
2018PurchaseNo CharacteristicAll Appraisals1,057.0
2018RefinanceNo CharacteristicAll Appraisals435.0
2018BothNo CharacteristicAll Appraisals140,000.0
2018PurchaseNo CharacteristicAll Appraisals140,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals145,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals1,398.0
2017PurchaseNo CharacteristicAll Appraisals846.0
2017PurchaseNo CharacteristicAll Appraisals133,000.0
2017RefinanceNo CharacteristicAll Appraisals552.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals136,000.0
2016PurchaseNo CharacteristicAll Appraisals740.0
2016RefinanceNo CharacteristicAll Appraisals164,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals140,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals150,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals1,417.0
2016RefinanceNo CharacteristicAll Appraisals677.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals136,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals150,500.0
2015BothNo CharacteristicAll Appraisals1,321.0
2015RefinanceNo CharacteristicAll Appraisals586.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals735.0
2015BothNo CharacteristicAll Appraisals143,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals145,500.0

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

2026-05128,641123,5505,0914.0%
2026-04127,399122,5524,8473.8%
2026-03127,332121,4735,8594.6%
2026-02126,461119,9746,4875.1%
2026-01126,550120,4356,1154.8%
2025-12125,597120,3205,2774.2%
2025-11126,257121,0465,2114.1%
2025-09125,786120,3005,4864.4%
2025-08127,270120,7306,5405.1%
2025-07127,207121,2006,0074.7%
2025-06126,545120,9235,6224.4%
2025-05125,965120,8805,0854.0%
2025-04125,301120,3794,9223.9%
2025-03125,490119,6305,8604.7%
2025-02125,401119,1386,2635.0%
2025-01125,520119,2866,2345.0%
2024-12124,505119,1685,3374.3%
2024-11125,102120,4364,6663.7%
2024-10125,992121,3714,6213.7%
2024-09126,154121,9074,2473.4%
2024-08127,607121,7655,8424.6%
2024-07128,676123,0795,5974.3%
2024-06127,918122,6135,3054.1%
2024-05127,155122,6904,4653.5%
2024-04126,663122,3694,2943.4%
2024-03127,411122,1885,2234.1%
2024-02127,131121,2505,8814.6%
2024-01126,266120,6345,6324.5%
2023-12125,690121,0674,6233.7%
2023-11127,299123,0114,2883.4%
2023-10127,220122,7894,4313.5%
2023-09126,939122,7514,1883.3%
2023-08129,531122,8236,7085.2%
2023-07129,366123,3386,0284.7%
2023-06127,609122,4175,1924.1%
2023-05126,590122,1044,4863.5%
2023-04125,519121,2944,2253.4%
2023-03126,397120,7335,6644.5%
2023-02126,054119,7456,3095.0%
2023-01124,813118,5266,2875.0%
2022-12123,731118,7035,0284.1%
2022-11124,677119,6435,0344.0%
2022-10125,912120,8715,0414.0%
2022-09125,630120,7384,8923.9%
2022-08126,922120,0986,8245.4%
2022-07127,212120,8896,3235.0%
2022-06126,882120,4306,4525.1%
2022-05126,772121,2465,5264.4%
2022-04125,829120,2915,5384.4%
2022-03126,255119,9096,3465.0%
2022-02125,401118,5996,8025.4%
2022-01124,727117,5427,1855.8%
2021-12122,959117,5435,4164.4%
2021-11124,809119,0375,7724.6%
2021-10125,855119,2806,5755.2%
2021-09125,653118,9316,7225.3%
2021-08127,540118,8088,7326.8%
2021-07128,492119,4339,0597.1%
2021-06127,612118,0769,5367.5%
2021-05127,284118,4528,8326.9%
2021-04126,494117,3999,0957.2%
2021-03127,490117,23210,2588.0%
2021-02127,780116,74811,0328.6%
2021-01126,531115,10111,4309.0%
2020-12127,669115,72311,9469.4%
2020-11128,714118,21710,4978.2%
2020-10130,063119,73910,3247.9%
2020-09129,848118,41811,4308.8%
2020-08130,581117,96212,6199.7%
2020-07131,041115,80115,24011.6%
2020-06129,084112,47416,61012.9%
2020-05126,239109,01217,22713.6%
2020-04122,972102,84820,12416.4%
2020-03129,491121,8427,6495.9%
2020-02130,525123,7686,7575.2%
2020-01130,123123,2086,9155.3%
2019-12129,515123,7725,7434.4%
2019-11129,976124,6765,3004.1%
2019-10130,942125,6915,2514.0%
2019-09130,813125,8884,9253.8%
2019-08131,058124,9226,1364.7%
2019-07131,544125,0166,5285.0%
2019-06130,808124,8295,9794.6%
2019-05130,060124,8225,2384.0%
2019-04129,438124,4185,0203.9%
2019-03130,623124,2886,3354.8%
2019-02130,912124,3186,5945.0%
2019-01130,017123,1376,8805.3%
2018-12130,026124,3495,6774.4%
2018-11130,328125,2025,1263.9%
2018-10131,121125,8495,2724.0%
2018-09131,212126,1005,1123.9%
2018-08130,639124,3616,2784.8%
2018-07132,085125,3586,7275.1%
2018-06131,178124,4476,7315.1%
2018-05130,535124,8045,7314.4%
2018-04129,775123,7056,0704.7%
2018-03130,392123,2697,1235.5%
2018-02130,906123,0147,8926.0%
2018-01129,626121,8117,8156.0%

BEA Personal Income

2024$15.15B267,750$57K
2023$14.57B268,203$54K
2022$13.82B269,112$51K
2021$14.25B269,455$53K
2020$13.55B270,739$50K
2019$12.29B271,417$45K
2018$11.99B273,464$44K
2017$11.40B275,335$41K
2016$11.24B277,916$40K
2015$11.12B279,523$40K
2014$10.83B280,527$39K
2013$10.61B281,568$38K
2012$10.65B281,875$38K
2011$10.36B281,499$37K
2010$9.73B280,860$35K
2009$9.35B279,838$33K
2008$9.48B278,686$34K
2007$9.03B278,573$32K
2006$8.53B278,389$31K
2005$8.10B277,211$29K
2004$7.87B277,864$28K
2003$7.55B280,153$27K
2002$7.44B280,379$27K
2001$7.29B280,647$26K
2000$7.11B280,803$25K
1999$6.81B281,294$24K
1998$6.62B281,764$23K
1997$6.45B282,609$23K
1996$6.17B282,582$22K
1995$5.87B282,127$21K
1994$5.71B281,649$20K
1993$5.48B280,796$20K
1992$5.23B279,548$19K
1991——$18K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-10-23$6K$6K$0Yes
2023-07-28$4K$4K$0Yes
2022-10-20$0$0$0Yes
2022-09-26$282K$282K$0No
2022-07-25$6K$6K$0Yes
2022-05-21$10K$3K$7KYes
2022-05-21$0——Yes
2022-05-21$14K$12K$2KNo
2022-05-21$0——Yes
2022-02-17$10K$9K$207.42Yes
2022-02-17$50K$38K$11KNo
2021-12-11$28K$27K$847.13Yes
2021-12-11$52K$46K$6KNo
2021-12-11$38K$38K$0Yes
2021-12-11$13K$13K$0No
2021-12-11$0——Yes
2021-12-11$24K$24K$0Yes
2021-12-11$20K$14K$6KYes
2021-12-11$4K$4K$0Yes
2021-12-06$3K$3K$646.35Yes
2021-07-01$0——Yes
2020-11-17$56K$56K$0No
2020-11-15$25K$9K$15KNo
2020-11-15$11K$11K$215.33No
2020-11-15$20K$14K$6KYes
2020-11-15$47K$45K$3KNo
2020-11-15$28K$20K$8KNo
2020-11-15$17K$17K$0Yes
2020-11-15$35K$35K$0Yes
2020-11-15$67K$67K$0No
2020-11-15$1K$1K$0Yes
2020-11-15$37K$32K$4KYes
2020-11-15$3K$3K$0Yes
2020-11-15$0——Yes
2020-11-15$9K$9K$0No
2020-11-15$0$0$0No
2020-11-14$17K$17K$0No
2020-11-14$11K$11K$560.93No
2020-11-02$22K$22K$0No
2020-06-15$0$0$0Yes
2020-04-14$100K$100K$0No
2020-02-28$3K$3K$0Yes
2020-01-10$17K$17K$0No
2019-11-27$71K$52K$18KYes
2019-11-02$28K$28K$0Yes
2019-10-31$8K$8K$0No
2019-10-31$3K$3K$0No
2019-10-31$16K$16K$0Yes
2019-09-11$0——Yes
2019-03-24$6K$6K$0Yes
2019-02-25$14K$14K$465.27Yes
2019-02-24$11K$11K$0No
2018-04-04$0——Yes
2018-01-11$36K$36K$0No
2017-11-06$8K$7K$716.98Yes
2017-11-05$11K$11K$0Yes
2017-11-05$553.77$553.77$0Yes
2017-11-05$22K$19K$3KYes
2017-11-05$21K$21K$0Yes
2017-10-29$0——Yes
2017-06-18$102K$82K$20KYes
2017-06-18$45K$41K$4KNo
2017-06-18$54K$46K$8KYes
2017-06-18$4K$4K$0Yes
2017-06-18$4K$4K$0Yes
2017-06-18$42K$23K$19KYes
2017-06-18$0——Yes
2017-01-12$2K$2K$0Yes
2017-01-12$4K$4K$0Yes
2017-01-11$0——Yes
2016-09-11$0——Yes
2016-08-10$40K$39K$539.09No
2016-08-02$0——Yes
2014-07-26$0——No
2013-06-29$3K$3K$0No
2013-06-10$5K$5K$0Yes
2013-06-06$338.26$338.26$0Yes
2013-06-06$0——Yes
2013-06-02$14K$14K$0No
2013-05-29$0——Yes
2013-05-28$66K$66K$0Yes
2013-05-28$133K$52K$80KNo
2013-05-28$0——Yes
2013-04-11$0——No
2013-03-17$0——Yes
2013-01-26$0——Yes
2012-10-31$0——Yes
2012-10-30$0——Yes
2012-10-29$0——Yes
2012-10-29$0——Yes
2012-03-21$0——Yes
2011-08-30$32K$32K$0Yes
2011-07-08$4K$4K$0No
2011-05-26$0——Yes
2011-05-25$9K$9K$0Yes
2011-05-24$16K$16K$0No
2011-05-23$4K$4K$0Yes
2011-05-23$39K$39K$0Yes
2011-05-23$3K$0$3KYes
2011-05-23$4K$4K$0No

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 PA 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 42049.

See the Pennsylvania state market profile for the statewide picture, the Pennsylvania 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.