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Mortgage lending in Erie County, New York

Lenders in Erie County, New York reported 24,224 mortgage applications for 2025, according to the CFPB.

24,224 mortgage applications and 16,228 loans originated in 2025; the denial rate was 20.6% of 20,997 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Buffalo-Cheektowaga, NY MSA.

24,224
Applications
16,228
Loans originated
20.6%
Denial rate
4,315 denied of 20,997 applications decided.

Every year

1 more column on a wider screen

Mortgage applications and loans originated in Erie County, New York, by year
YearApplicationsOriginated
202524,22416,228
202422,11714,649
202322,27914,629
202229,92320,310
202138,77527,782
202035,19224,598
201930,44220,433
201829,07219,734

The largest lenders here

Lenders in Erie County, New York by loans originated, 2025
LenderOriginatedApplications
M&T Bank2,1403,144
United Wholesale Mortgage1,6371,880
Citizens Bank, NA1,2592,114
Rocket Mortgage1,1561,552
Premium Mortgage Corporation1,1351,241
Keybank National Association7721,245
Crosscountry Mortgage, LLC648865
Northwest Bank585821
1ST Priority Mortgage, Inc.408449
Hunt Mortgage Corporation382446
Bank of America NA332785
Cornerstone Community FCU311435
Broadview Federal Credit Union264448
Western Division Federal Credit Union249303
CNB Bank233324
Five Star Bank216310
Community Bank, N.A.203304
NBT Bank NA178269
Homestead Funding Corp.176190
The Summit Federal Credit Union151300
Movement Mortgage, LLC130157
Navy Federal Credit Union121228
Pennymac Loan Services LLC119210
Nationstar Mortgage113165
JPMorgan Chase Bank, NA111201

Applications by race, ethnicity and sex, 2025

By race, Erie County, New York: applications and denial rate
CategoryApplicationsDenial rate
American Indian or Alaska Native10035.6% of 87 decided
Asian1,67626.3% of 1,386 decided
Black or African American1,63336.7% of 1,381 decided
Native Hawaiian or Other Pacific Islanderwithheld
White17,42518.1% of 15,437 decided
2 or more minority races8147.8% of 69 decided
Joint27911.9% of 235 decided
Free Form Text Onlyunder 10
Race Not Available3,00823.3% of 2,383 decided
By ethnicity, Erie County, New York: applications and denial rate
CategoryApplicationsDenial rate
Hispanic or Latino72628.1% of 599 decided
Not Hispanic or Latino20,22119.9% of 17,779 decided
Joint34120.0% of 295 decided
Ethnicity Not Available2,92423.6% of 2,315 decided
Free Form Text Only12no rate: base under 50
By sex, Erie County, New York: applications and denial rate
CategoryApplicationsDenial rate
Male8,98323.4% of 7,712 decided
Female6,05724.9% of 5,293 decided
Joint7,41013.6% of 6,620 decided
Sex Not Available1,77421.6% of 1,372 decided

A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.

Rankings this appears in

Sources

Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved