Erie County
New York · FIPS 36029
According to CFPB HMDA 2024 application volume among U.S. counties, Erie County ranks #103 of 3,223, and #4 of 62 in New York.
Mortgage lending activity in Erie County, New York based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Erie County, New York lenders denied 4,162 of the applications reported here, financing the rest at an average note rate of 7.25%, with applicants self-reporting average annual income of $37K. 239 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Erie County
In Erie County, lead originator M&T Bank funded 14.4% of 14,651 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Erie County's 24,268 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Erie County's $208,652 average loan (deduped against volume peers).
Lenders active in Erie County
M&T Bank funded 2,109 of the 14,651 loans originated in Erie County, 14.4% of the county. 239 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | M&T Bank | 2,109 | 14.4% |
| 2 | United Wholesale Mortgage | 1,364 | 9.3% |
| 3 | Premium Mortgage Corporation | 1,093 | 7.5% |
| 4 | CBNA Year to Date | 1,005 | 6.9% |
| 5 | Rocket Mortgage | 919 | 6.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Erie County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Erie County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.