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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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M&T REAL ESTATE TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
M&T REAL ESTATE TRUST |
| Address | 465 MAIN STREET - 5TH FLR - LAFAYETTE CT
BUFFALO, NY 14203-2399 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 131 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $274,250,000 |
| Average Mortgage Loan Amount Applied For | $2,276,500 |
| Highest Mortgage Loan Amount Applied For | $33,460,000 |
| Average Applicant Income | $456,062 |
| Highest Applicant Income | $9,999,000 |
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| Home Improvement |
18 | $15,646,000 |
$869,000 | $4,400,000 |
$291,000 | $5,252,000 |
| Home Purchase |
62 | $174,470,000 |
$2,814,000 | $33,460,000 |
$661,000 | $9,999,000 |
| Refinancing |
51 | $84,134,000 |
$1,649,000 | $10,000,000 |
$299,000 | $9,999,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $336,000 |
$336,000 | $336,000 |
$0 | $0 |
| Black or African American |
3 | $887,000 |
$295,000 | $635,000 |
$66,000 | $200,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
111 | $264,462,000 |
$2,382,000 | $33,460,000 |
$442,000 | $9,999,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
16 | $8,565,000 |
$535,000 | $1,440,000 |
$765,000 | $9,999,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
131 | $274,250,000 |
$2,093,000 | $33,460,000 |
$469,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
4 | $22,763,000 |
$5,690,000 | $15,043,000 |
$0 | $0 |
| Application Withdrawn By Applicant |
2 | $15,000,000 |
$7,500,000 | $12,000,000 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
125 | $236,487,000 |
$1,891,000 | $33,460,000 |
$492,000 | $9,999,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for M&T REAL ESTATE TRUST by:
Metropolitan Area And
County
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