M&T Bank Mortgage Lending & HMDA Data, 2012

In 2012, M&T Bank of Buffalo, NY reported 51,116 mortgage applications totaling $10.7 billion, up 56% from 2011. The average application was for $210,283, and applicants reported an average income of $60,923. 56% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Buffalo-Niagara Falls, NY (4,190), Baltimore-Towson, MD (3,198) and Rochester, NY (1,990) (applications in parentheses).

Mortgage Company & Address M&T Bank
701 Seneca Street - Suite 330n
Buffalo, NY 14203
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 51,116
Total Mortgage Loan Application Amount $10,748,835,000
Average Mortgage Loan Application Amount $210,283
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $60,923
Highest Applicant Income $8,869,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for M&T Bank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Erie, New York 3,536 $ 408,001,000 $ 115,384 $ 70,000
Monroe, New York 1,578 $ 227,865,000 $ 144,401 $ 67,000
Baltimore, Maryland 1,130 $ 268,563,000 $ 237,666 $ 101,000
Onondaga, New York 1,114 $ 110,793,000 $ 99,455 $ 59,000
York, Pennsylvania 1,006 $ 136,672,000 $ 135,856 $ 75,000
Salt Lake, Utah 892 $ 197,636,000 $ 221,565 $ 80,000
King, Washington 706 $ 219,273,000 $ 310,584 $ 101,000
Baltimore City, Maryland 691 $ 67,595,000 $ 97,821 $ 54,000
New Castle, Delaware 664 $ 115,994,000 $ 174,689 $ 82,000
Niagara, New York 654 $ 62,007,000 $ 94,811 $ 60,000
Luzerne, Pennsylvania 632 $ 68,152,000 $ 107,835 $ 73,000
Maricopa, Arizona 622 $ 138,151,000 $ 222,107 $ 21,000
Broome, New York 565 $ 51,012,000 $ 90,286 $ 71,000
Montgomery, Maryland 515 $ 140,768,000 $ 273,335 $ 100,000
Anne Arundel, Maryland 473 $ 90,841,000 $ 192,052 $ 90,000
Sussex, Delaware 471 $ 89,980,000 $ 191,040 $ 118,000
Prince George's, Maryland 453 $ 129,781,000 $ 286,492 $ 37,000
Oneida, New York 439 $ 40,591,000 $ 92,462 $ 56,000
Kings, New York 436 $ 221,835,000 $ 508,795 $ 70,000
Multnomah, Oregon 413 $ 87,290,000 $ 211,355 $ 84,000
Philadelphia, Pennsylvania 370 $ 91,223,000 $ 246,548 $ 45,000
Franklin, Pennsylvania 355 $ 49,524,000 $ 139,504 $ 68,000
Harford, Maryland 350 $ 95,735,000 $ 273,528 $ 86,000
Suffolk, New York 347 $ 89,542,000 $ 258,046 $ 74,000
Nassau, New York 340 $ 128,671,000 $ 378,444 $ 63,000
Blair, Pennsylvania 338 $ 29,485,000 $ 87,233 $ 70,000
Washington, Oregon 336 $ 78,348,000 $ 233,178 $ 80,000
Albany, New York 331 $ 95,660,000 $ 289,003 $ 80,000
Clackamas, Oregon 329 $ 83,693,000 $ 254,386 $ 91,000
Queens, New York 320 $ 114,420,000 $ 357,562 $ 44,000
Montgomery, Pennsylvania 306 $ 117,803,000 $ 384,977 $ 88,000
Cook, Illinois 301 $ 60,223,000 $ 200,076 $ 3,000
Howard, Maryland 294 $ 79,216,000 $ 269,442 $ 110,000
Berks, Pennsylvania 288 $ 39,628,000 $ 137,597 $ 57,000
Saratoga, New York 279 $ 87,241,000 $ 312,691 $ 76,000
Snohomish, Washington 279 $ 70,937,000 $ 254,254 $ 85,000
Fairfax, Virginia 277 $ 121,886,000 $ 440,021 $ 145,000
Cumberland, Pennsylvania 276 $ 45,990,000 $ 166,630 $ 80,000
Clark, Nevada 273 $ 62,003,000 $ 227,117 $ 5,000
Pierce, Washington 271 $ 59,662,000 $ 220,154 $ 68,000
Riverside, California 270 $ 72,522,000 $ 268,600 $ 5,000
Orange, New York 265 $ 47,217,000 $ 178,177 $ 78,000
Washington, Maryland 258 $ 34,414,000 $ 133,387 $ 55,000
Bucks, Pennsylvania 254 $ 71,133,000 $ 280,051 $ 67,000
New York, New York 253 $ 640,537,000 $ 2,531,766 $ 242,000
Kent, Delaware 251 $ 25,592,000 $ 101,960 $ 57,000
Lancaster, Pennsylvania 251 $ 49,754,000 $ 198,223 $ 90,000
Los Angeles, California 247 $ 74,943,000 $ 303,412 $ 17,000
Davis, Utah 246 $ 56,549,000 $ 229,873 $ 78,000
Frederick, Maryland 245 $ 49,707,000 $ 202,885 $ 82,000
Delaware, Pennsylvania 245 $ 52,591,000 $ 214,657 $ 74,000
Dauphin, Pennsylvania 242 $ 49,447,000 $ 204,326 $ 71,000
Utah, Utah 237 $ 47,691,000 $ 201,227 $ 63,000
Clark, Washington 237 $ 50,359,000 $ 212,485 $ 81,000
Chester, Pennsylvania 231 $ 97,905,000 $ 423,831 $ 97,000
Dutchess, New York 226 $ 45,872,000 $ 202,973 $ 94,000
Jefferson, Colorado 217 $ 50,151,000 $ 231,110 $ 102,000
Westchester, New York 216 $ 80,147,000 $ 371,050 $ 112,000
Bronx, New York 214 $ 66,935,000 $ 312,780 $ 40,000
Arapahoe, Colorado 210 $ 46,635,000 $ 222,071 $ 87,000
Schuylkill, Pennsylvania 208 $ 15,608,000 $ 75,038 $ 70,000
Camden, New Jersey 204 $ 35,798,000 $ 175,480 $ 8,000
Carroll, Maryland 198 $ 38,607,000 $ 194,984 $ 92,000
Prince William, Virginia 197 $ 54,746,000 $ 277,898 $ 73,000
Fairfield, Connecticut 192 $ 88,108,000 $ 458,895 $ 101,000
Denver, Colorado 190 $ 46,940,000 $ 247,052 $ 99,000
District of Columbia, District Of Columbia 190 $ 93,973,000 $ 494,594 $ 113,000
San Bernardino, California 188 $ 46,536,000 $ 247,531 $ 1,000
Schenectady, New York 185 $ 29,603,000 $ 160,016 $ 63,000
Chautauqua, New York 182 $ 15,824,000 $ 86,945 $ 63,000
Rensselaer, New York 181 $ 58,463,000 $ 323,000 $ 58,000
Hartford, Connecticut 176 $ 46,276,000 $ 262,931 $ 24,000
Genesee, New York 176 $ 12,841,000 $ 72,960 $ 61,000
Worcester, Massachusetts 174 $ 34,463,000 $ 198,063 $ 13,000
Columbia, Oregon 174 $ 29,033,000 $ 166,856 $ 70,000
Centre, Pennsylvania 170 $ 39,571,000 $ 232,770 $ 84,000
Ocean, New Jersey 169 $ 42,994,000 $ 254,402 $ 66,000
Broward, Florida 166 $ 36,747,000 $ 221,367 $ 20,000
Miami-Dade, Florida 162 $ 35,281,000 $ 217,783 $ 21,000
Ulster, New York 162 $ 20,567,000 $ 126,956 $ 60,000
Burlington, New Jersey 161 $ 32,353,000 $ 200,950 $ 17,000
Douglas, Colorado 159 $ 41,386,000 $ 260,289 $ 97,000
Cayuga, New York 153 $ 13,781,000 $ 90,071 $ 67,000
Orange, Florida 151 $ 30,259,000 $ 200,390 $ 4,000
Cuyahoga, Ohio 151 $ 17,981,000 $ 119,079 $ 4,000
Franklin, Ohio 150 $ 21,500,000 $ 143,333 $ 6,000
New Haven, Connecticut 148 $ 29,835,000 $ 201,587 $ 41,000
Northumberland, Pennsylvania 148 $ 10,201,000 $ 68,925 $ 59,000
Middlesex, New Jersey 147 $ 37,193,000 $ 253,013 $ 23,000
Herkimer, New York 147 $ 10,137,000 $ 68,959 $ 55,000
Middlesex, Massachusetts 144 $ 45,561,000 $ 316,395 $ 27,000
Gloucester, New Jersey 144 $ 27,186,000 $ 188,791 $ 6,000
Essex, Massachusetts 138 $ 33,671,000 $ 243,992 $ 26,000
Adams, Pennsylvania 138 $ 21,178,000 $ 153,463 $ 66,000
Bergen, New Jersey 137 $ 48,955,000 $ 357,335 $ 50,000
Ontario, New York 132 $ 19,515,000 $ 147,840 $ 96,000
Oakland, Michigan 131 $ 16,357,000 $ 124,862 $ 0
Weber, Utah 130 $ 22,577,000 $ 173,669 $ 56,000
Sacramento, California 128 $ 31,330,000 $ 244,765 $ 1,000
Cecil, Maryland 126 $ 20,218,000 $ 160,460 $ 68,000
Loudoun, Virginia 125 $ 35,072,000 $ 280,576 $ 74,000
Monmouth, New Jersey 123 $ 44,444,000 $ 361,333 $ 93,000
Palm Beach, Florida 122 $ 29,422,000 $ 241,163 $ 35,000
Lehigh, Pennsylvania 122 $ 18,347,000 $ 150,385 $ 52,000
Atlantic, New Jersey 120 $ 24,404,000 $ 203,366 $ 25,000
Rockland, New York 116 $ 27,743,000 $ 239,163 $ 86,000
Lycoming, Pennsylvania 113 $ 9,822,000 $ 86,920 $ 60,000
Sanpete, Utah 113 $ 18,269,000 $ 161,672 $ 63,000
Wayne, New York 112 $ 10,855,000 $ 96,919 $ 60,000
San Diego, California 109 $ 33,407,000 $ 306,486 $ 23,000
Cowlitz, Washington 107 $ 19,970,000 $ 186,635 $ 74,000
Allegany, Maryland 106 $ 9,088,000 $ 85,735 $ 64,000
Cattaraugus, New York 105 $ 7,028,000 $ 66,933 $ 69,000
Plymouth, Massachusetts 103 $ 60,127,000 $ 583,757 $ 43,000
Providence, Rhode Island 102 $ 18,024,000 $ 176,705 $ 16,000
Charles, Maryland 101 $ 19,048,000 $ 188,594 $ 46,000
Wayne, Michigan 101 $ 12,775,000 $ 126,485 $ 0
Stafford, Virginia 101 $ 32,483,000 $ 321,613 $ 173,000
Lane, Oregon 99 $ 17,675,000 $ 178,535 $ 57,000
Bristol, Massachusetts 97 $ 20,418,000 $ 210,494 $ 20,000
Wicomico, Maryland 95 $ 8,122,000 $ 85,494 $ 51,000
Oswego, New York 95 $ 7,350,000 $ 77,368 $ 57,000
Spotsylvania, Virginia 95 $ 19,380,000 $ 204,000 $ 66,000
Jefferson, Kentucky 94 $ 15,249,000 $ 162,223 $ 29,000
Mineral, West Virginia 93 $ 9,698,000 $ 104,279 $ 62,000
Essex, New Jersey 92 $ 24,043,000 $ 261,336 $ 28,000
Lebanon, Pennsylvania 92 $ 11,277,000 $ 122,576 $ 56,000
Wyoming, New York 91 $ 5,500,000 $ 60,439 $ 48,000
Erie, Pennsylvania 91 $ 11,207,000 $ 123,153 $ 4,000
Adams, Colorado 90 $ 18,002,000 $ 200,022 $ 67,000
Marion, Oregon 90 $ 17,440,000 $ 193,777 $ 59,000
Livingston, New York 89 $ 6,296,000 $ 70,741 $ 55,000
Madison, New York 88 $ 8,282,000 $ 94,113 $ 55,000
Steuben, New York 88 $ 7,566,000 $ 85,977 $ 74,000
Union, New Jersey 87 $ 28,217,000 $ 324,333 $ 20,000
Lackawanna, Pennsylvania 87 $ 10,961,000 $ 125,988 $ 68,000
Pima, Arizona 85 $ 17,926,000 $ 210,894 $ 23,000
Lee, Florida 83 $ 17,322,000 $ 208,698 $ 31,000
Bedford, Pennsylvania 83 $ 7,446,000 $ 89,710 $ 60,000
Sullivan, New York 82 $ 9,615,000 $ 117,256 $ 67,000
Tompkins, New York 82 $ 21,596,000 $ 263,365 $ 66,000
Lincoln, Oregon 80 $ 15,504,000 $ 193,800 $ 94,000
St. Louis, Missouri 79 $ 11,668,000 $ 147,696 $ 2,000
Hudson, New Jersey 79 $ 25,139,000 $ 318,215 $ 75,000
Orleans, New York 79 $ 5,217,000 $ 66,037 $ 46,000
Henrico, Virginia 79 $ 28,456,000 $ 360,202 $ 52,000
Hillsborough, New Hampshire 78 $ 16,128,000 $ 206,769 $ 3,000
Norfolk, Massachusetts 77 $ 24,953,000 $ 324,064 $ 30,000
Richmond, New York 76 $ 20,506,000 $ 269,815 $ 84,000
Summit, Ohio 75 $ 9,216,000 $ 122,880 $ 2,000
Garrett, Maryland 74 $ 8,931,000 $ 120,689 $ 96,000
Hamilton, Ohio 73 $ 10,449,000 $ 143,136 $ 35,000
Union, Pennsylvania 73 $ 10,645,000 $ 145,821 $ 92,000
Cache, Utah 73 $ 14,544,000 $ 199,232 $ 60,000
El Paso, Colorado 72 $ 14,835,000 $ 206,041 $ 52,000
Northampton, Pennsylvania 72 $ 14,396,000 $ 199,944 $ 67,000
Ada, Idaho 71 $ 14,448,000 $ 203,492 $ 41,000
Chenango, New York 71 $ 7,333,000 $ 103,281 $ 60,000
Otsego, New York 71 $ 7,315,000 $ 103,028 $ 63,000
Lorain, Ohio 71 $ 10,747,000 $ 151,366 $ 0
Chesterfield, Virginia 71 $ 16,945,000 $ 238,661 $ 51,000
Boulder, Colorado 70 $ 18,991,000 $ 271,300 $ 104,000
Polk, Florida 70 $ 10,328,000 $ 147,542 $ 1,000
Worcester, Maryland 69 $ 13,499,000 $ 195,637 $ 150,000
Morris, New Jersey 69 $ 24,361,000 $ 353,057 $ 114,000
Passaic, New Jersey 69 $ 17,333,000 $ 251,202 $ 21,000
Hennepin, Minnesota 68 $ 12,692,000 $ 186,647 $ 0
Columbia, Pennsylvania 68 $ 5,147,000 $ 75,691 $ 59,000
Calvert, Maryland 67 $ 10,299,000 $ 153,716 $ 49,000
Allegheny, Pennsylvania 67 $ 8,629,000 $ 128,791 $ 31,000
San Joaquin, California 66 $ 16,190,000 $ 245,303 $ 1,000
Kern, California 65 $ 14,143,000 $ 217,584 $ 1,000
Rockingham, New Hampshire 65 $ 15,048,000 $ 231,507 $ 17,000
Putnam, New York 65 $ 13,202,000 $ 203,107 $ 86,000
Deschutes, Oregon 64 $ 17,065,000 $ 266,640 $ 120,000
Pinellas, Florida 63 $ 11,686,000 $ 185,492 $ 12,000
Monroe, Pennsylvania 63 $ 18,068,000 $ 286,793 $ 62,000
Queen Anne's, Maryland 62 $ 13,517,000 $ 218,016 $ 96,000
Gallatin, Montana 62 $ 13,948,000 $ 224,967 $ 95,000
St. Lawrence, New York 60 $ 5,980,000 $ 99,666 $ 27,000
Lake, Florida 59 $ 10,576,000 $ 179,254 $ 0
Mecklenburg, North Carolina 59 $ 10,426,000 $ 176,711 $ 5,000
Perry, Pennsylvania 59 $ 7,152,000 $ 121,220 $ 73,000
Virginia Beach, Virginia 59 $ 14,326,000 $ 242,813 $ 32,000
Hillsborough, Florida 58 $ 11,287,000 $ 194,603 $ 5,000
Cape May, New Jersey 58 $ 18,135,000 $ 312,672 $ 162,000
Tioga, New York 58 $ 9,589,000 $ 165,327 $ 69,000
Warren, New York 57 $ 8,548,000 $ 149,964 $ 109,000
Tooele, Utah 57 $ 10,240,000 $ 179,649 $ 57,000
Butler, Ohio 56 $ 8,729,000 $ 155,875 $ 12,000
Jackson, Oregon 56 $ 11,535,000 $ 205,982 $ 64,000
Orange, California 55 $ 18,461,000 $ 335,654 $ 4,000
Talbot, Maryland 55 $ 20,779,000 $ 377,800 $ 177,000
Somerset, New Jersey 55 $ 21,467,000 $ 390,309 $ 39,000
Suffolk, Massachusetts 54 $ 18,716,000 $ 346,592 $ 81,000
Lake, Indiana 52 $ 6,934,000 $ 133,346 $ 0
Clinton, Pennsylvania 52 $ 3,471,000 $ 66,750 $ 53,000
Alameda, California 51 $ 15,570,000 $ 305,294 $ 3,000
Fresno, California 51 $ 11,671,000 $ 228,843 $ 3,000
Duval, Florida 51 $ 15,092,000 $ 295,921 $ 3,000
Cumberland, Maine 51 $ 10,405,000 $ 204,019 $ 20,000
Clatsop, Oregon 51 $ 9,369,000 $ 183,705 $ 66,000
Bradford, Pennsylvania 51 $ 3,550,000 $ 69,607 $ 61,000
Stanislaus, California 50 $ 12,162,000 $ 243,240 $ 0
Marion, Indiana 50 $ 5,581,000 $ 111,620 $ 2,000
Benton, Washington 50 $ 10,080,000 $ 201,600 $ 103,000
Seminole, Florida 49 $ 10,206,000 $ 208,285 $ 4,000
Volusia, Florida 49 $ 8,731,000 $ 178,183 $ 0
Will, Illinois 49 $ 8,460,000 $ 172,653 $ 0
Pinal, Arizona 48 $ 7,478,000 $ 155,791 $ 17,000
Jefferson, New York 48 $ 35,454,000 $ 738,625 $ 73,000
Kitsap, Washington 48 $ 12,038,000 $ 250,791 $ 80,000
Clearfield, Pennsylvania 47 $ 3,059,000 $ 65,085 $ 61,000
Richmond City, Virginia 47 $ 26,084,000 $ 554,978 $ 38,000
Thurston, Washington 47 $ 10,536,000 $ 224,170 $ 54,000
DuPage, Illinois 46 $ 9,703,000 $ 210,934 $ 0
Macomb, Michigan 46 $ 6,451,000 $ 140,239 $ 0
Bexar, Texas 46 $ 7,271,000 $ 158,065 $ 0
Washington, New York 45 $ 4,962,000 $ 110,266 $ 66,000
Stark, Ohio 45 $ 5,208,000 $ 115,733 $ 2,000
Berkeley, West Virginia 45 $ 5,416,000 $ 120,355 $ 57,000
Gwinnett, Georgia 44 $ 7,304,000 $ 166,000 $ 4,000
Orleans, Louisiana 44 $ 7,152,000 $ 162,545 $ 14,000
Solano, California 42 $ 12,361,000 $ 294,309 $ 0
Weld, Colorado 42 $ 8,599,000 $ 204,738 $ 52,000
Arlington, Virginia 42 $ 15,330,000 $ 365,000 $ 129,000
Clallam, Washington 42 $ 7,936,000 $ 188,952 $ 101,000
Mercer, New Jersey 41 $ 9,785,000 $ 238,658 $ 35,000
Wake, North Carolina 41 $ 8,047,000 $ 196,268 $ 10,000
Medina, Ohio 41 $ 6,500,000 $ 158,536 $ 1,000
Washington, Utah 41 $ 7,903,000 $ 192,756 $ 87,000
Spokane, Washington 41 $ 8,723,000 $ 212,756 $ 45,000
Larimer, Colorado 40 $ 10,121,000 $ 253,025 $ 84,000
Collier, Florida 40 $ 13,641,000 $ 341,025 $ 138,000
Fulton, Georgia 40 $ 7,069,000 $ 176,725 $ 1,000
St. Charles, Missouri 40 $ 7,294,000 $ 182,350 $ 2,000
Cumberland, New Jersey 38 $ 6,032,000 $ 158,736 $ 1,000
Snyder, Pennsylvania 38 $ 2,659,000 $ 69,973 $ 50,000
Contra Costa, California 37 $ 9,949,000 $ 268,891 $ 3,000
Litchfield, Connecticut 37 $ 9,211,000 $ 248,945 $ 68,000
Anoka, Minnesota 37 $ 6,784,000 $ 183,351 $ 2,000
Morrow, Oregon 37 $ 4,361,000 $ 117,864 $ 76,000
Yamhill, Oregon 37 $ 8,954,000 $ 242,000 $ 70,000
Harris, Texas 37 $ 5,640,000 $ 152,432 $ 5,000
Summit, Utah 37 $ 12,236,000 $ 330,702 $ 195,000
Cobb, Georgia 36 $ 7,005,000 $ 194,583 $ 33,000
Dorchester, Maryland 36 $ 3,917,000 $ 108,805 $ 52,000
Genesee, Michigan 36 $ 3,498,000 $ 97,166 $ 0
Ravalli, Montana 36 $ 5,951,000 $ 165,305 $ 73,000
Pike, Pennsylvania 36 $ 4,158,000 $ 115,500 $ 28,000
Hampden, Massachusetts 35 $ 5,947,000 $ 169,914 $ 23,000
Chemung, New York 35 $ 2,496,000 $ 71,314 $ 40,000
Yakima, Washington 35 $ 6,741,000 $ 192,600 $ 58,000
St. Mary's, Maryland 34 $ 7,058,000 $ 207,588 $ 43,000
Cortland, New York 34 $ 2,632,000 $ 77,411 $ 45,000
Linn, Oregon 34 $ 5,486,000 $ 161,352 $ 45,000
Tulare, California 33 $ 6,740,000 $ 204,242 $ 2,000
DeKalb, Georgia 33 $ 5,856,000 $ 177,454 $ 3,000
Columbia, New York 33 $ 4,597,000 $ 139,303 $ 54,000
Placer, California 32 $ 9,304,000 $ 290,750 $ 3,000
Summit, Colorado 32 $ 9,383,000 $ 293,218 $ 145,000
Allegany, New York 32 $ 2,362,000 $ 73,812 $ 67,000
Douglas, Oregon 32 $ 5,416,000 $ 169,250 $ 49,000
Pasco, Florida 31 $ 5,214,000 $ 168,193 $ 2,000
Polk, Oregon 31 $ 6,099,000 $ 196,741 $ 63,000
Cambria, Pennsylvania 31 $ 2,060,000 $ 66,451 $ 38,000
Alexandria, Virginia 31 $ 11,018,000 $ 355,419 $ 119,000
St. Lucie, Florida 30 $ 5,391,000 $ 179,700 $ 2,000
Kent, Michigan 30 $ 4,194,000 $ 139,800 $ 0
Jefferson, Missouri 30 $ 4,276,000 $ 142,533 $ 0
Delaware, New York 30 $ 3,327,000 $ 110,900 $ 46,000
Merrimack, New Hampshire 29 $ 5,152,000 $ 177,655 $ 3,000
Fulton, New York 29 $ 3,605,000 $ 124,310 $ 76,000
Mahoning, Ohio 29 $ 3,060,000 $ 105,517 $ 9,000
La Plata, Colorado 28 $ 6,664,000 $ 238,000 $ 89,000
New London, Connecticut 28 $ 4,896,000 $ 174,857 $ 21,000
Ventura, California 27 $ 8,449,000 $ 312,925 $ 0
Sarasota, Florida 27 $ 5,671,000 $ 210,037 $ 180,000
Fayette, Kentucky 27 $ 3,939,000 $ 145,888 $ 1,000
Jackson, Missouri 27 $ 3,225,000 $ 119,444 $ 1,000
St. Louis City, Missouri 27 $ 3,610,000 $ 133,703 $ 3,000
Washoe, Nevada 27 $ 6,796,000 $ 251,703 $ 2,000
Sussex, New Jersey 27 $ 6,206,000 $ 229,851 $ 8,000
Osceola, Florida 26 $ 5,133,000 $ 197,423 $ 0
Lake, Illinois 26 $ 4,709,000 $ 181,115 $ 0
Hunterdon, New Jersey 26 $ 8,944,000 $ 344,000 $ 30,000
Warren, New Jersey 26 $ 5,937,000 $ 228,346 $ 10,000
El Dorado, California 25 $ 6,859,000 $ 274,360 $ 9,000
Middlesex, Connecticut 25 $ 6,664,000 $ 266,560 $ 127,000
Tolland, Connecticut 25 $ 5,325,000 $ 213,000 $ 17,000
Kane, Illinois 25 $ 4,644,000 $ 185,760 $ 0
Hanover, Virginia 25 $ 4,685,000 $ 187,400 $ 53,000
Yavapai, Arizona 24 $ 5,485,000 $ 228,541 $ 6,000
Manatee, Florida 24 $ 5,280,000 $ 220,000 $ 22,000
York, Maine 24 $ 5,925,000 $ 246,875 $ 24,000
Greene, New York 24 $ 2,870,000 $ 119,583 $ 113,000
Delaware, Ohio 24 $ 4,742,000 $ 197,583 $ 11,000
Kent, Rhode Island 24 $ 4,989,000 $ 207,875 $ 28,000
Alachua, Florida 23 $ 3,599,000 $ 156,478 $ 0
Kootenai, Idaho 23 $ 4,824,000 $ 209,739 $ 56,000
Caroline, Maryland 23 $ 2,976,000 $ 129,391 $ 40,000
Carbon, Pennsylvania 23 $ 2,096,000 $ 91,130 $ 53,000
Franklin, Washington 23 $ 4,378,000 $ 190,347 $ 80,000
Whatcom, Washington 23 $ 5,750,000 $ 250,000 $ 68,000
Santa Barbara, California 22 $ 6,461,000 $ 293,681 $ 8,000
Bonneville, Idaho 22 $ 4,444,000 $ 202,000 $ 75,000
Jefferson, Louisiana 22 $ 3,605,000 $ 163,863 $ 0
Androscoggin, Maine 22 $ 3,296,000 $ 149,818 $ 2,000
Chesapeake, Virginia 22 $ 4,316,000 $ 196,181 $ 18,000
Mohave, Arizona 21 $ 4,640,000 $ 220,952 $ 71,000
Mesa, Colorado 21 $ 4,229,000 $ 201,380 $ 39,000
Pueblo, Colorado 21 $ 4,767,000 $ 227,000 $ 101,000
Livingston, Michigan 21 $ 3,143,000 $ 149,666 $ 2,000
Dakota, Minnesota 21 $ 3,626,000 $ 172,666 $ 0
Bernalillo, New Mexico 21 $ 3,792,000 $ 180,571 $ 28,000
Yates, New York 21 $ 2,701,000 $ 128,619 $ 106,000
Montgomery, Ohio 21 $ 2,523,000 $ 120,142 $ 11,000
Brevard, Florida 20 $ 3,649,000 $ 182,450 $ 0
Charlotte, Florida 20 $ 3,466,000 $ 173,300 $ 41,000
Blaine, Idaho 20 $ 5,802,000 $ 290,100 $ 61,000
East Baton Rouge, Louisiana 20 $ 3,106,000 $ 155,300 $ 7,000
Ramsey, Minnesota 20 $ 3,228,000 $ 161,400 $ 6,000
Clermont, Ohio 20 $ 3,596,000 $ 179,800 $ 12,000
Warren, Ohio 20 $ 4,302,000 $ 215,100 $ 57,000
Benton, Oregon 20 $ 4,285,000 $ 214,250 $ 83,000
Johnson, Kansas 19 $ 3,234,000 $ 170,210 $ 0
St. Tammany, Louisiana 19 $ 3,733,000 $ 196,473 $ 0
Clinton, New York 19 $ 2,318,000 $ 122,000 $ 51,000
Seneca, New York 19 $ 1,466,000 $ 77,157 $ 68,000
Licking, Ohio 19 $ 2,634,000 $ 138,631 $ 19,000
Horry, South Carolina 19 $ 3,644,000 $ 191,789 $ 12,000
Shelby, Tennessee 19 $ 2,880,000 $ 151,578 $ 0
Tarrant, Texas 19 $ 2,380,000 $ 125,263 $ 0
Sonoma, California 18 $ 6,146,000 $ 341,444 $ 0
Barnstable, Massachusetts 18 $ 5,775,000 $ 320,833 $ 71,000
Lake, Ohio 18 $ 2,349,000 $ 130,500 $ 3,000
Trumbull, Ohio 18 $ 1,543,000 $ 85,722 $ 4,000
Grant, Oregon 18 $ 2,488,000 $ 138,222 $ 56,000
Tillamook, Oregon 18 $ 3,913,000 $ 217,388 $ 99,000
Westmoreland, Pennsylvania 18 $ 2,936,000 $ 163,111 $ 36,000
Wyoming, Pennsylvania 18 $ 2,235,000 $ 124,166 $ 60,000
Davidson, Tennessee 18 $ 2,695,000 $ 149,722 $ 13,000
Milwaukee, Wisconsin 18 $ 2,603,000 $ 144,611 $ 2,000
Santa Clara, California 17 $ 5,822,000 $ 342,470 $ 14,000
Canyon, Idaho 17 $ 2,164,000 $ 127,294 $ 38,000
Kendall, Illinois 17 $ 2,881,000 $ 169,470 $ 0
Washington, Minnesota 17 $ 3,147,000 $ 185,117 $ 5,000
Strafford, New Hampshire 17 $ 2,934,000 $ 172,588 $ 18,000
Schoharie, New York 17 $ 1,621,000 $ 95,352 $ 46,000
Fairfield, Ohio 17 $ 2,913,000 $ 171,352 $ 6,000
Lucas, Ohio 17 $ 1,844,000 $ 108,470 $ 0
Wasco, Oregon 17 $ 3,268,000 $ 192,235 $ 111,000
Montour, Pennsylvania 17 $ 2,683,000 $ 157,823 $ 121,000
Susquehanna, Pennsylvania 17 $ 2,385,000 $ 140,294 $ 114,000
Juab, Utah 17 $ 2,621,000 $ 154,176 $ 48,000
Manassas, Virginia 17 $ 3,194,000 $ 187,882 $ 43,000
Mobile, Alabama 16 $ 1,698,000 $ 106,125 $ 4,000
Monterey, California 16 $ 4,490,000 $ 280,625 $ 0
Windham, Connecticut 16 $ 3,111,000 $ 194,437 $ 59,000
St. Johns, Florida 16 $ 3,157,000 $ 197,312 $ 0
Taos, New Mexico 16 $ 3,184,000 $ 199,000 $ 92,000
Montgomery, New York 16 $ 1,426,000 $ 89,125 $ 59,000
Portage, Ohio 16 $ 1,940,000 $ 121,250 $ 0
Kittitas, Washington 16 $ 3,521,000 $ 220,062 $ 119,000
Eagle, Colorado 15 $ 6,842,000 $ 456,133 $ 184,000
San Miguel, Colorado 15 $ 4,022,000 $ 268,133 $ 123,000
Boone, Kentucky 15 $ 2,262,000 $ 150,800 $ 29,000
Kenton, Kentucky 15 $ 2,148,000 $ 143,200 $ 28,000
Penobscot, Maine 15 $ 2,319,000 $ 154,600 $ 24,000
Salem, New Jersey 15 $ 2,614,000 $ 174,266 $ 4,000
Josephine, Oregon 15 $ 3,379,000 $ 225,266 $ 37,000
Fulton, Pennsylvania 15 $ 1,389,000 $ 92,600 $ 58,000
Huntingdon, Pennsylvania 15 $ 1,287,000 $ 85,800 $ 101,000
Sevier, Utah 15 $ 2,268,000 $ 151,200 $ 49,000
Fauquier, Virginia 15 $ 4,767,000 $ 317,800 $ 39,000
Jefferson, West Virginia 15 $ 2,753,000 $ 183,533 $ 23,000
Coconino, Arizona 14 $ 3,854,000 $ 275,285 $ 28,000
Yuma, Arizona 14 $ 2,642,000 $ 188,714 $ 20,000
Henry, Georgia 14 $ 2,701,000 $ 192,928 $ 2,000
Paulding, Georgia 14 $ 1,980,000 $ 141,428 $ 3,000
McHenry, Illinois 14 $ 2,294,000 $ 163,857 $ 0
Jasper, Iowa 14 $ 1,992,000 $ 142,285 $ 0
Butler, Pennsylvania 14 $ 3,100,000 $ 221,428 $ 22,000
Washington, Pennsylvania 14 $ 37,478,000 $ 2,677,000 $ 7,000
Berkeley, South Carolina 14 $ 2,396,000 $ 171,142 $ 0
Charleston, South Carolina 14 $ 3,121,000 $ 222,928 $ 51,000
Hamilton, Tennessee 14 $ 2,045,000 $ 146,071 $ 5,000
Newport News, Virginia 14 $ 2,603,000 $ 185,928 $ 14,000
Suffolk, Virginia 14 $ 3,398,000 $ 242,714 $ 11,000
Mason, Washington 14 $ 3,316,000 $ 236,857 $ 85,000
Yolo, California 13 $ 3,459,000 $ 266,076 $ 0
Forsyth, Georgia 13 $ 2,682,000 $ 206,307 $ 7,000
Vanderburgh, Indiana 13 $ 1,713,000 $ 131,769 $ 0
Lafayette, Louisiana 13 $ 2,196,000 $ 168,923 $ 0
Scott, Minnesota 13 $ 2,749,000 $ 211,461 $ 0
Durham, North Carolina 13 $ 2,067,000 $ 159,000 $ 4,000
Wayne, Ohio 13 $ 1,251,000 $ 96,230 $ 0
Gilliam, Oregon 13 $ 1,392,000 $ 107,076 $ 68,000
Washington, Rhode Island 13 $ 3,510,000 $ 270,000 $ 211,000
Dallas, Texas 13 $ 1,787,000 $ 137,461 $ 0
Frederick, Virginia 13 $ 2,940,000 $ 226,153 $ 4,000
Klickitat, Washington 13 $ 2,915,000 $ 224,230 $ 82,000
Sutter, California 12 $ 2,237,000 $ 186,416 $ 0
Broomfield, Colorado 12 $ 2,824,000 $ 235,333 $ 129,000
Elbert, Colorado 12 $ 2,802,000 $ 233,500 $ 119,000
Citrus, Florida 12 $ 1,650,000 $ 137,500 $ 0
Bonner, Idaho 12 $ 2,960,000 $ 246,666 $ 58,000
Polk, Iowa 12 $ 1,721,000 $ 143,416 $ 8,000
Campbell, Kentucky 12 $ 1,733,000 $ 144,416 $ 11,000
Saginaw, Michigan 12 $ 1,128,000 $ 94,000 $ 0
Dawson, Montana 12 $ 1,945,000 $ 162,083 $ 76,000
Schuyler, New York 12 $ 2,515,000 $ 209,583 $ 65,000
Coos, Oregon 12 $ 2,234,000 $ 186,166 $ 67,000
Wallowa, Oregon 12 $ 1,990,000 $ 165,833 $ 72,000
Somerset, Pennsylvania 12 $ 858,000 $ 71,500 $ 95,000
Wayne, Pennsylvania 12 $ 2,008,000 $ 167,333 $ 139,000
Wasatch, Utah 12 $ 2,610,000 $ 217,500 $ 90,000
King George, Virginia 12 $ 2,813,000 $ 234,416 $ 84,000
Norfolk, Virginia 12 $ 1,951,000 $ 162,583 $ 7,000
Island, Washington 12 $ 2,826,000 $ 235,500 $ 102,000
Baldwin, Alabama 11 $ 2,109,000 $ 191,727 $ 7,000
Shasta, California 11 $ 2,542,000 $ 231,090 $ 0
Tuolumne, California 11 $ 2,304,000 $ 209,454 $ 0
Marion, Florida 11 $ 1,706,000 $ 155,090 $ 0
Okaloosa, Florida 11 $ 1,816,000 $ 165,090 $ 0
Douglas, Georgia 11 $ 1,759,000 $ 159,909 $ 0
Franklin, Idaho 11 $ 1,816,000 $ 165,090 $ 71,000
Hamilton, Indiana 11 $ 1,765,000 $ 160,454 $ 0
Hendricks, Indiana 11 $ 1,359,000 $ 123,545 $ 0
Kennebec, Maine 11 $ 1,331,000 $ 121,000 $ 12,000
Sherburne, Minnesota 11 $ 1,840,000 $ 167,272 $ 0
Belknap, New Hampshire 11 $ 1,726,000 $ 156,909 $ 12,000
Cheshire, New Hampshire 11 $ 1,605,000 $ 145,909 $ 11,000
Cumberland, North Carolina 11 $ 1,540,000 $ 140,000 $ 0
Forsyth, North Carolina 11 $ 1,588,000 $ 144,363 $ 0
Guilford, North Carolina 11 $ 2,214,000 $ 201,272 $ 0
Ashtabula, Ohio 11 $ 968,000 $ 88,000 $ 0
Rutherford, Tennessee 11 $ 1,674,000 $ 152,181 $ 5,000
Hidalgo, Texas 11 $ 1,230,000 $ 111,818 $ 0
Uintah, Utah 11 $ 1,935,000 $ 175,909 $ 62,000
Caroline, Virginia 11 $ 2,301,000 $ 209,181 $ 56,000
Orange, Virginia 11 $ 2,301,000 $ 209,181 $ 90,000
Grant, Washington 11 $ 2,293,000 $ 208,454 $ 72,000
Kanawha, West Virginia 11 $ 1,120,000 $ 101,818 $ 12,000
Montgomery, Alabama 10 $ 1,130,000 $ 113,000 $ 0
Imperial, California 10 $ 1,860,000 $ 186,000 $ 0
Merced, California 10 $ 2,235,000 $ 223,500 $ 0
Cherokee, Georgia 10 $ 1,907,000 $ 190,700 $ 0
Dearborn, Indiana 10 $ 1,553,000 $ 155,300 $ 0
Sedgwick, Kansas 10 $ 930,000 $ 93,000 $ 0
Warren, Kentucky 10 $ 1,521,000 $ 152,100 $ 11,000
Hampshire, Massachusetts 10 $ 1,967,000 $ 196,700 $ 29,000
Midland, Michigan 10 $ 912,000 $ 91,200 $ 0
Washtenaw, Michigan 10 $ 1,525,000 $ 152,500 $ 5,000
Allen, Ohio 10 $ 854,000 $ 85,400 $ 0
Oklahoma, Oklahoma 10 $ 1,349,000 $ 134,900 $ 11,000
Hood River, Oregon 10 $ 2,436,000 $ 243,600 $ 115,000
Collin, Texas 10 $ 1,574,000 $ 157,400 $ 5,000
Skagit, Washington 10 $ 1,921,000 $ 192,100 $ 65,000
Gila, Arizona 9 $ 1,714,000 $ 190,444 $ 0
Santa Cruz, Arizona 9 $ 2,221,000 $ 246,777 $ 28,000
Clay, Florida 9 $ 1,948,000 $ 216,444 $ 0
Hernando, Florida 9 $ 1,653,000 $ 183,666 $ 0
Allen, Indiana 9 $ 1,033,000 $ 114,777 $ 0
Bullitt, Kentucky 9 $ 1,204,000 $ 133,777 $ 19,000
Scott, Kentucky 9 $ 2,192,000 $ 243,555 $ 0
Wright, Minnesota 9 $ 1,719,000 $ 191,000 $ 8,000
Gaston, North Carolina 9 $ 1,391,000 $ 154,555 $ 0
Union, North Carolina 9 $ 1,955,000 $ 217,222 $ 10,000
Geauga, Ohio 9 $ 1,230,000 $ 136,666 $ 0
Umatilla, Oregon 9 $ 1,528,000 $ 169,777 $ 68,000
Union, Oregon 9 $ 1,639,000 $ 182,111 $ 53,000
Juniata, Pennsylvania 9 $ 1,417,000 $ 157,444 $ 56,000
Sullivan, Pennsylvania 9 $ 857,000 $ 95,222 $ 117,000
Tioga, Pennsylvania 9 $ 1,053,000 $ 117,000 $ 41,000
Newport, Rhode Island 9 $ 2,051,000 $ 227,888 $ 56,000
Fort Bend, Texas 9 $ 1,726,000 $ 191,777 $ 5,000
Hampton, Virginia 9 $ 1,508,000 $ 167,555 $ 0
Grays Harbor, Washington 9 $ 1,670,000 $ 185,555 $ 69,000
Stevens, Washington 9 $ 1,809,000 $ 201,000 $ 68,000
Jefferson, Alabama 8 $ 1,327,000 $ 165,875 $ 0
Kings, California 8 $ 1,626,000 $ 203,250 $ 0
San Mateo, California 8 $ 6,307,000 $ 788,375 $ 266,000
Routt, Colorado 8 $ 1,934,000 $ 241,750 $ 73,000
Escambia, Florida 8 $ 4,343,000 $ 542,875 $ 0
Indian River, Florida 8 $ 2,400,000 $ 300,000 $ 0
Madison, Indiana 8 $ 817,000 $ 102,125 $ 0
Wyandotte, Kansas 8 $ 751,000 $ 93,875 $ 0
Madison, Kentucky 8 $ 1,040,000 $ 130,000 $ 0
Oldham, Kentucky 8 $ 1,916,000 $ 239,500 $ 119,000
DeSoto, Mississippi 8 $ 1,515,000 $ 189,375 $ 14,000
Clay, Missouri 8 $ 906,000 $ 113,250 $ 0
Flathead, Montana 8 $ 1,679,000 $ 209,875 $ 36,000
Dare, North Carolina 8 $ 2,807,000 $ 350,875 $ 203,000
New Hanover, North Carolina 8 $ 1,462,000 $ 182,750 $ 0
Harney, Oregon 8 $ 1,402,000 $ 175,250 $ 65,000
Lexington, South Carolina 8 $ 1,211,000 $ 151,375 $ 0
York, South Carolina 8 $ 1,471,000 $ 183,875 $ 0
Box Elder, Utah 8 $ 1,700,000 $ 212,500 $ 77,000
Millard, Utah 8 $ 1,073,000 $ 134,125 $ 58,000
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Mortgage Loan Application Detail Totals for M&T Bank in 2012

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 27,476 $5,969,809,000 $217,000 $25,870,000 $64,000 $8,869,000
Home Purchase 17,269 $4,230,181,000 $244,000 $47,000,000 $56,000 $3,394,000
Home Improvement 6,371 $548,845,000 $86,000 $99,999,000 $61,000 $7,046,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 30,191 $5,290,237,000 $175,000 $9,345,000 $80,000 $7,046,000
Not applicable 11,093 $3,740,866,000 $337,000 $99,999,000 $0 $0
Not Provided 4,264 $761,570,000 $178,000 $2,000,000 $87,000 $2,611,000
Black or African American 2,423 $335,764,000 $138,000 $1,413,000 $47,000 $921,000
Hispanic 1,611 $283,970,000 $176,000 $2,399,000 $48,000 $8,869,000
Asian 1,307 $301,666,000 $230,000 $1,354,000 $82,000 $1,892,000
American Indian or Alaskan Native 141 $16,799,000 $119,000 $825,000 $60,000 $698,000
Native Hawaiian or Other Pacific Islander 86 $17,963,000 $208,000 $953,000 $64,000 $428,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 32,336 $7,294,489,000 $225,000 $99,999,000 $81,000 $8,869,000
FHA-insured (Federal Housing Administration) 16,863 $3,087,399,000 $183,000 $1,413,000 $23,000 $818,000
VA-guaranteed (Veterans Administration) 1,239 $266,179,000 $214,000 $647,000 $59,000 $613,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 678 $100,768,000 $148,000 $344,000 $35,000 $240,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 28,622 $6,868,768,000 $239,000 $99,999,000 $79,000 $7,046,000
Loan Purchased By The Institution 10,684 $2,068,567,000 $193,000 $1,352,000 $0 $0
Application Denied By Financial Institution 6,738 $687,992,000 $102,000 $2,150,000 $66,000 $2,111,000
Application Withdrawn By Applicant 2,316 $587,441,000 $253,000 $23,730,000 $85,000 $8,869,000
Application Approved But Not Accepted 2,077 $411,385,000 $198,000 $2,399,000 $80,000 $3,152,000
File Closed For Incompleteness 511 $93,910,000 $183,000 $808,000 $67,000 $501,000
Preapproval Denied by Financial Institution 168 $30,772,000 $183,000 $742,000 $59,000 $318,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
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

Our comprehensive HMDA mortgage statistics provide invaluable insights into M&T Bank's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess M&T Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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