M&T Bank Mortgage Lending & HMDA Data, 2018

In 2018, M&T Bank of Buffalo, NY reported 40,425 mortgage applications totaling $6.9 billion, up 46% from 2017. The average application was for $171,864, and applicants reported an average income of $109,186. 58% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (5,728), Baltimore-Columbia-Towson, MD (4,307) and New York-Jersey City-White Plains, NY-NJ (3,708) (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 40,425
Total Mortgage Loan Application Amount $6,947,610,000
Average Mortgage Loan Application Amount $171,864
Highest Mortgage Loan Application Amount $50,005,000
Average Applicant Income $109,186
Highest Applicant Income $9,892,000

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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

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 4,959 $ 558,525,000 $ 112,628 $ 95,000
Baltimore, Maryland 1,653 $ 207,575,000 $ 125,574 $ 116,000
Monroe, New York 1,522 $ 177,490,000 $ 116,616 $ 90,000
York, Pennsylvania 1,123 $ 115,955,000 $ 103,254 $ 92,000
Onondaga, New York 944 $ 94,260,000 $ 99,851 $ 97,000
New Castle, Delaware 902 $ 108,770,000 $ 120,587 $ 108,000
Baltimore City, Maryland 876 $ 87,540,000 $ 99,931 $ 76,000
Niagara, New York 769 $ 73,335,000 $ 95,364 $ 76,000
Suffolk, New York 724 $ 222,050,000 $ 306,698 $ 138,000
Anne Arundel, Maryland 668 $ 99,570,000 $ 149,056 $ 119,000
Montgomery, Maryland 647 $ 190,895,000 $ 295,046 $ 159,000
Sussex, Delaware 639 $ 97,775,000 $ 153,012 $ 129,000
Luzerne, Pennsylvania 554 $ 48,760,000 $ 88,014 $ 79,000
Broome, New York 549 $ 41,755,000 $ 76,056 $ 83,000
Orange, New York 477 $ 67,505,000 $ 141,519 $ 116,000
Westchester, New York 470 $ 124,740,000 $ 265,404 $ 180,000
Harford, Maryland 468 $ 58,660,000 $ 125,341 $ 112,000
Nassau, New York 457 $ 213,395,000 $ 466,947 $ 184,000
Prince George's, Maryland 431 $ 71,405,000 $ 165,672 $ 88,000
Queens, New York 416 $ 212,985,000 $ 511,983 $ 122,000
Franklin, Pennsylvania 406 $ 39,970,000 $ 98,448 $ 76,000
Berks, Pennsylvania 397 $ 34,105,000 $ 85,906 $ 79,000
Bergen, New Jersey 375 $ 100,315,000 $ 267,506 $ 168,000
Dutchess, New York 363 $ 84,265,000 $ 232,134 $ 119,000
Chautauqua, New York 362 $ 34,650,000 $ 95,718 $ 89,000
Kings, New York 355 $ 191,845,000 $ 540,408 $ 138,000
Oneida, New York 337 $ 30,495,000 $ 90,489 $ 107,000
Frederick, Maryland 315 $ 47,635,000 $ 151,222 $ 114,000
Carroll, Maryland 310 $ 41,620,000 $ 134,258 $ 111,000
Fairfield, Connecticut 297 $ 88,105,000 $ 296,649 $ 185,000
Washington, Maryland 296 $ 29,690,000 $ 100,304 $ 80,000
Essex, New Jersey 291 $ 65,025,000 $ 223,453 $ 130,000
Schuylkill, Pennsylvania 287 $ 20,845,000 $ 72,630 $ 83,000
Dauphin, Pennsylvania 280 $ 34,280,000 $ 122,428 $ 99,000
Philadelphia, Pennsylvania 278 $ 35,830,000 $ 128,884 $ 74,000
Kent, Delaware 275 $ 28,295,000 $ 102,890 $ 75,000
Howard, Maryland 271 $ 49,995,000 $ 184,483 $ 146,000
Ulster, New York 263 $ 32,465,000 $ 123,441 $ 96,000
Fairfax, Virginia 262 $ 63,190,000 $ 241,183 $ 165,000
Lancaster, Pennsylvania 255 $ 64,125,000 $ 251,470 $ 112,000
Cumberland, Pennsylvania 252 $ 29,690,000 $ 117,817 $ 89,000
Bronx, New York 240 $ 71,610,000 $ 298,375 $ 108,000
Maricopa, Arizona 226 $ 49,020,000 $ 216,902 $ 78,000
Ocean, New Jersey 220 $ 33,330,000 $ 151,500 $ 106,000
Blair, Pennsylvania 213 $ 16,005,000 $ 75,140 $ 84,000
Middlesex, New Jersey 206 $ 45,580,000 $ 221,262 $ 107,000
District of Columbia, District Of Columbia 202 $ 62,790,000 $ 310,841 $ 164,000
Richmond, New York 194 $ 45,900,000 $ 236,597 $ 109,000
Genesee, New York 191 $ 15,465,000 $ 80,968 $ 72,000
Union, New Jersey 188 $ 35,320,000 $ 187,872 $ 126,000
Rockland, New York 181 $ 39,155,000 $ 216,325 $ 167,000
Hudson, New Jersey 179 $ 43,915,000 $ 245,335 $ 131,000
Monmouth, New Jersey 178 $ 46,230,000 $ 259,719 $ 186,000
Morris, New Jersey 167 $ 43,735,000 $ 261,886 $ 173,000
Wicomico, Maryland 166 $ 12,810,000 $ 77,168 $ 82,000
Albany, New York 165 $ 35,275,000 $ 213,787 $ 121,000
Rensselaer, New York 159 $ 15,885,000 $ 99,905 $ 99,000
Delaware, Pennsylvania 155 $ 23,125,000 $ 149,193 $ 128,000
Centre, Pennsylvania 153 $ 17,975,000 $ 117,483 $ 97,000
Loudoun, Virginia 151 $ 33,475,000 $ 221,688 $ 162,000
Cattaraugus, New York 145 $ 12,765,000 $ 88,034 $ 109,000
Passaic, New Jersey 139 $ 23,345,000 $ 167,949 $ 103,000
Montgomery, Pennsylvania 139 $ 32,385,000 $ 232,985 $ 190,000
Prince William, Virginia 139 $ 28,675,000 $ 206,294 $ 120,000
Cayuga, New York 138 $ 15,410,000 $ 111,666 $ 101,000
Henrico, Virginia 134 $ 36,250,000 $ 270,522 $ 142,000
Adams, Pennsylvania 133 $ 12,115,000 $ 91,090 $ 83,000
Northumberland, Pennsylvania 132 $ 9,020,000 $ 68,333 $ 69,000
Chester, Pennsylvania 131 $ 28,305,000 $ 216,068 $ 204,000
Bucks, Pennsylvania 127 $ 19,475,000 $ 153,346 $ 141,000
Saratoga, New York 121 $ 53,485,000 $ 442,024 $ 135,000
Tioga, New York 118 $ 11,070,000 $ 93,813 $ 69,000
Salt Lake, Utah 117 $ 34,625,000 $ 295,940 $ 120,000
Herkimer, New York 114 $ 12,560,000 $ 110,175 $ 63,000
Bradford, Pennsylvania 114 $ 10,620,000 $ 93,157 $ 65,000
Oswego, New York 110 $ 9,150,000 $ 83,181 $ 77,000
Worcester, Maryland 108 $ 17,510,000 $ 162,129 $ 149,000
Putnam, New York 108 $ 17,180,000 $ 159,074 $ 136,000
Somerset, New Jersey 106 $ 22,460,000 $ 211,886 $ 131,000
Cecil, Maryland 103 $ 16,985,000 $ 164,902 $ 87,000
Schenectady, New York 102 $ 21,580,000 $ 211,568 $ 88,000
Wyoming, New York 102 $ 10,280,000 $ 100,784 $ 77,000
Cook, Illinois 101 $ 24,715,000 $ 244,702 $ 101,000
Camden, New Jersey 101 $ 20,615,000 $ 204,108 $ 89,000
Orleans, New York 98 $ 9,030,000 $ 92,142 $ 68,000
Sanpete, Utah 98 $ 20,790,000 $ 212,142 $ 71,000
Sullivan, New York 97 $ 11,015,000 $ 113,556 $ 85,000
Clackamas, Oregon 91 $ 29,875,000 $ 328,296 $ 108,000
Livingston, New York 89 $ 7,915,000 $ 88,932 $ 79,000
Ontario, New York 89 $ 10,405,000 $ 116,910 $ 96,000
Lycoming, Pennsylvania 89 $ 8,495,000 $ 95,449 $ 86,000
Madison, New York 87 $ 9,415,000 $ 108,218 $ 134,000
Caroline, Maryland 86 $ 9,720,000 $ 113,023 $ 71,000
Allegany, Maryland 85 $ 6,735,000 $ 79,235 $ 96,000
Lebanon, Pennsylvania 85 $ 8,125,000 $ 95,588 $ 98,000
Charles, Maryland 80 $ 11,860,000 $ 148,250 $ 105,000
Tompkins, New York 80 $ 12,250,000 $ 153,125 $ 115,000
Pierce, Washington 80 $ 24,280,000 $ 303,500 $ 97,000
New Haven, Connecticut 79 $ 11,315,000 $ 143,227 $ 89,000
Los Angeles, California 78 $ 29,470,000 $ 377,820 $ 121,000
Calvert, Maryland 78 $ 10,570,000 $ 135,512 $ 126,000
New York, New York 78 $ 121,750,000 $ 1,560,897 $ 437,000
Snohomish, Washington 78 $ 26,730,000 $ 342,692 $ 114,000
Burlington, New Jersey 77 $ 11,935,000 $ 155,000 $ 103,000
Steuben, New York 77 $ 6,635,000 $ 86,168 $ 77,000
Chenango, New York 76 $ 5,830,000 $ 76,710 $ 63,000
Bedford, Pennsylvania 75 $ 5,555,000 $ 74,066 $ 86,000
Utah, Utah 72 $ 19,160,000 $ 266,111 $ 87,000
Garrett, Maryland 70 $ 6,740,000 $ 96,285 $ 90,000
Clark, Washington 70 $ 22,130,000 $ 316,142 $ 99,000
Wayne, New York 68 $ 6,810,000 $ 100,147 $ 79,000
Multnomah, Oregon 67 $ 17,805,000 $ 265,746 $ 102,000
Hartford, Connecticut 66 $ 14,320,000 $ 216,969 $ 87,000
Chesterfield, Virginia 65 $ 12,765,000 $ 196,384 $ 94,000
Columbia, Pennsylvania 64 $ 4,910,000 $ 76,718 $ 64,000
Queen Anne's, Maryland 61 $ 12,055,000 $ 197,622 $ 149,000
Lehigh, Pennsylvania 61 $ 6,465,000 $ 105,983 $ 114,000
Clinton, Pennsylvania 59 $ 4,025,000 $ 68,220 $ 64,000
Mineral, West Virginia 59 $ 4,305,000 $ 72,966 $ 60,000
Riverside, California 57 $ 14,925,000 $ 261,842 $ 87,000
Lackawanna, Pennsylvania 57 $ 6,095,000 $ 106,929 $ 86,000
Jefferson, New York 56 $ 7,360,000 $ 131,428 $ 86,000
Palm Beach, Florida 54 $ 26,540,000 $ 491,481 $ 508,000
Otsego, New York 53 $ 5,215,000 $ 98,396 $ 78,000
Mercer, New Jersey 52 $ 11,640,000 $ 223,846 $ 142,000
Northampton, Pennsylvania 52 $ 5,330,000 $ 102,500 $ 121,000
Juab, Utah 52 $ 13,100,000 $ 251,923 $ 87,000
Gloucester, New Jersey 51 $ 6,025,000 $ 118,137 $ 91,000
Stafford, Virginia 50 $ 14,260,000 $ 285,200 $ 116,000
Dorchester, Maryland 49 $ 4,885,000 $ 99,693 $ 80,000
Chemung, New York 49 $ 3,145,000 $ 64,183 $ 80,000
Cortland, New York 49 $ 4,105,000 $ 83,775 $ 81,000
Berkeley, West Virginia 49 $ 5,715,000 $ 116,632 $ 77,000
Spotsylvania, Virginia 47 $ 6,205,000 $ 132,021 $ 97,000
Pinal, Arizona 46 $ 8,280,000 $ 180,000 $ 59,000
Union, Pennsylvania 46 $ 6,090,000 $ 132,391 $ 115,000
King, Washington 46 $ 16,030,000 $ 348,478 $ 110,000
Monroe, Pennsylvania 42 $ 4,920,000 $ 117,142 $ 123,000
Arlington, Virginia 42 $ 11,320,000 $ 269,523 $ 172,000
Broward, Florida 41 $ 13,485,000 $ 328,902 $ 327,000
Talbot, Maryland 41 $ 9,655,000 $ 235,487 $ 133,000
Clark, Nevada 40 $ 8,160,000 $ 204,000 $ 104,000
San Bernardino, California 38 $ 8,920,000 $ 234,736 $ 78,000
Worcester, Massachusetts 38 $ 25,950,000 $ 682,894 $ 87,000
Clearfield, Pennsylvania 38 $ 3,220,000 $ 84,736 $ 67,000
Sussex, New Jersey 37 $ 7,165,000 $ 193,648 $ 125,000
Delaware, New York 35 $ 3,495,000 $ 99,857 $ 87,000
Wyoming, Pennsylvania 34 $ 3,380,000 $ 99,411 $ 75,000
Lee, Florida 33 $ 7,065,000 $ 214,090 $ 127,000
Snyder, Pennsylvania 32 $ 2,670,000 $ 83,437 $ 93,000
Harris, Texas 32 $ 4,670,000 $ 145,937 $ 80,000
Atlantic, New Jersey 31 $ 8,015,000 $ 258,548 $ 314,000
Warren, New Jersey 31 $ 3,835,000 $ 123,709 $ 92,000
Erie, Pennsylvania 31 $ 3,485,000 $ 112,419 $ 75,000
Cape May, New Jersey 30 $ 24,090,000 $ 803,000 $ 653,000
Seneca, New York 30 $ 3,150,000 $ 105,000 $ 371,000
Miami-Dade, Florida 29 $ 6,705,000 $ 231,206 $ 151,000
Orange, Florida 29 $ 5,775,000 $ 199,137 $ 131,000
St. Mary's, Maryland 29 $ 3,155,000 $ 108,793 $ 91,000
Richmond City, Virginia 29 $ 44,255,000 $ 1,526,034 $ 72,000
Jefferson, Colorado 28 $ 9,260,000 $ 330,714 $ 88,000
Allegany, New York 28 $ 1,900,000 $ 67,857 $ 70,000
Franklin, Ohio 28 $ 5,750,000 $ 205,357 $ 138,000
Allegheny, Pennsylvania 28 $ 3,460,000 $ 123,571 $ 140,000
Carbon, Pennsylvania 28 $ 2,000,000 $ 71,428 $ 74,000
Arapahoe, Colorado 27 $ 8,235,000 $ 305,000 $ 101,000
Washington, Oregon 27 $ 9,235,000 $ 342,037 $ 128,000
Perry, Pennsylvania 27 $ 2,735,000 $ 101,296 $ 92,000
Hanover, Virginia 27 $ 4,415,000 $ 163,518 $ 131,000
Columbia, New York 26 $ 3,640,000 $ 140,000 $ 139,000
San Diego, California 25 $ 15,455,000 $ 618,200 $ 350,000
San Joaquin, California 25 $ 6,785,000 $ 271,400 $ 100,000
New London, Connecticut 25 $ 9,135,000 $ 365,400 $ 116,000
Susquehanna, Pennsylvania 25 $ 2,465,000 $ 98,600 $ 88,000
Davis, Utah 25 $ 8,545,000 $ 341,800 $ 121,000
Litchfield, Connecticut 24 $ 4,220,000 $ 175,833 $ 123,000
Tulare, California 23 $ 4,655,000 $ 202,391 $ 70,000
Collier, Florida 23 $ 7,595,000 $ 330,217 $ 271,000
Gwinnett, Georgia 22 $ 4,550,000 $ 206,818 $ 61,000
Oakland, Michigan 22 $ 3,410,000 $ 155,000 $ 79,000
Fulton, New York 22 $ 1,730,000 $ 78,636 $ 66,000
Warren, New York 22 $ 5,290,000 $ 240,454 $ 338,000
Marion, Oregon 22 $ 5,450,000 $ 247,727 $ 84,000
Pike, Pennsylvania 22 $ 2,530,000 $ 115,000 $ 89,000
Fauquier, Virginia 22 $ 5,460,000 $ 248,181 $ 93,000
Adams, Colorado 21 $ 6,255,000 $ 297,857 $ 98,000
Hillsborough, Florida 21 $ 4,225,000 $ 201,190 $ 71,000
Polk, Florida 21 $ 3,125,000 $ 148,809 $ 79,000
Hunterdon, New Jersey 21 $ 4,005,000 $ 190,714 $ 126,000
Washington, New York 21 $ 1,985,000 $ 94,523 $ 59,000
Fulton, Pennsylvania 21 $ 2,025,000 $ 96,428 $ 74,000
Fulton, Georgia 20 $ 4,760,000 $ 238,000 $ 113,000
Middlesex, Massachusetts 20 $ 7,300,000 $ 365,000 $ 135,000
Ravalli, Montana 20 $ 4,650,000 $ 232,500 $ 62,000
Cambria, Pennsylvania 20 $ 1,350,000 $ 67,500 $ 58,000
Montour, Pennsylvania 20 $ 2,030,000 $ 101,500 $ 125,000
Virginia Beach, Virginia 19 $ 4,975,000 $ 261,842 $ 427,000
Pima, Arizona 18 $ 2,840,000 $ 157,777 $ 58,000
Hampden, Massachusetts 18 $ 2,640,000 $ 146,666 $ 50,000
Sullivan, Pennsylvania 18 $ 1,480,000 $ 82,222 $ 62,000
Cobb, Georgia 17 $ 3,235,000 $ 190,294 $ 73,000
Marion, Indiana 17 $ 2,615,000 $ 153,823 $ 62,000
Wayne, Michigan 17 $ 2,355,000 $ 138,529 $ 84,000
Cuyahoga, Ohio 17 $ 2,095,000 $ 123,235 $ 56,000
Cowlitz, Washington 17 $ 4,585,000 $ 269,705 $ 70,000
Suffolk, Massachusetts 16 $ 10,040,000 $ 627,500 $ 490,000
Taos, New Mexico 16 $ 3,930,000 $ 245,625 $ 78,000
Mecklenburg, North Carolina 16 $ 2,850,000 $ 178,125 $ 81,000
Manassas, Virginia 16 $ 3,010,000 $ 188,125 $ 121,000
Thurston, Washington 16 $ 5,040,000 $ 315,000 $ 99,000
Fresno, California 15 $ 2,895,000 $ 193,000 $ 85,000
Douglas, Colorado 15 $ 5,265,000 $ 351,000 $ 99,000
El Paso, Colorado 15 $ 3,475,000 $ 231,666 $ 107,000
Bristol, Massachusetts 15 $ 3,965,000 $ 264,333 $ 88,000
Plymouth, Massachusetts 15 $ 3,885,000 $ 259,000 $ 67,000
DeSoto, Mississippi 15 $ 2,545,000 $ 169,666 $ 60,000
Greene, New York 15 $ 2,925,000 $ 195,000 $ 118,000
Jackson, Oregon 15 $ 3,515,000 $ 234,333 $ 83,000
Alexandria, Virginia 15 $ 3,685,000 $ 245,666 $ 176,000
Kern, California 14 $ 2,660,000 $ 190,000 $ 79,000
Denver, Colorado 14 $ 4,880,000 $ 348,571 $ 161,000
Lake, Florida 14 $ 2,600,000 $ 185,714 $ 66,000
Pinellas, Florida 14 $ 2,620,000 $ 187,142 $ 86,000
Volusia, Florida 14 $ 2,430,000 $ 173,571 $ 102,000
Clayton, Georgia 14 $ 2,040,000 $ 145,714 $ 56,000
Lake, Indiana 14 $ 1,780,000 $ 127,142 $ 66,000
Hamilton, Ohio 14 $ 2,070,000 $ 147,857 $ 83,000
Lane, Oregon 14 $ 3,650,000 $ 260,714 $ 66,000
Shelby, Tennessee 14 $ 2,440,000 $ 174,285 $ 95,000
Goochland, Virginia 14 $ 4,570,000 $ 326,428 $ 167,000
Orange, California 13 $ 5,865,000 $ 451,153 $ 174,000
Sacramento, California 13 $ 3,565,000 $ 274,230 $ 85,000
Manatee, Florida 13 $ 3,725,000 $ 286,538 $ 109,000
Osceola, Florida 13 $ 2,585,000 $ 198,846 $ 122,000
Norfolk, Massachusetts 13 $ 34,525,000 $ 2,655,769 $ 156,000
Schuyler, New York 13 $ 1,145,000 $ 88,076 $ 117,000
Lincoln, Oregon 13 $ 3,085,000 $ 237,307 $ 88,000
Huntingdon, Pennsylvania 13 $ 935,000 $ 71,923 $ 66,000
Sevier, Utah 13 $ 2,655,000 $ 204,230 $ 89,000
Caroline, Virginia 13 $ 1,745,000 $ 134,230 $ 57,000
Morgan, West Virginia 13 $ 735,000 $ 56,538 $ 61,000
Jefferson, Alabama 12 $ 1,690,000 $ 140,833 $ 74,000
Contra Costa, California 12 $ 4,130,000 $ 344,166 $ 108,000
Sarasota, Florida 12 $ 3,900,000 $ 325,000 $ 359,000
Essex, Massachusetts 12 $ 3,500,000 $ 291,666 $ 108,000
Montgomery, New York 12 $ 790,000 $ 65,833 $ 65,000
Wake, North Carolina 12 $ 2,520,000 $ 210,000 $ 99,000
Deschutes, Oregon 12 $ 3,200,000 $ 266,666 $ 89,000
Somerset, Pennsylvania 12 $ 1,020,000 $ 85,000 $ 49,000
Charleston, South Carolina 12 $ 3,600,000 $ 300,000 $ 466,000
Dallas, Texas 12 $ 3,060,000 $ 255,000 $ 115,000
Washington, Utah 12 $ 4,710,000 $ 392,500 $ 244,000
Frederick, Virginia 12 $ 2,590,000 $ 215,833 $ 67,000
Fredericksburg, Virginia 12 $ 2,010,000 $ 167,500 $ 125,000
Windham, Connecticut 11 $ 1,805,000 $ 164,090 $ 69,000
Duval, Florida 11 $ 2,135,000 $ 194,090 $ 72,000
Pasco, Florida 11 $ 1,565,000 $ 142,272 $ 64,000
DeKalb, Georgia 11 $ 1,885,000 $ 171,363 $ 71,000
Forsyth, North Carolina 11 $ 1,675,000 $ 152,272 $ 78,000
Providence, Rhode Island 11 $ 2,175,000 $ 197,727 $ 109,000
Davidson, Tennessee 11 $ 1,575,000 $ 143,181 $ 66,000
Tarrant, Texas 11 $ 1,395,000 $ 126,818 $ 70,000
Tooele, Utah 11 $ 2,635,000 $ 239,545 $ 84,000
Weber, Utah 11 $ 2,185,000 $ 198,636 $ 63,000
James City, Virginia 11 $ 2,955,000 $ 268,636 $ 137,000
Summit, Colorado 10 $ 3,530,000 $ 353,000 $ 124,000
Brevard, Florida 10 $ 1,800,000 $ 180,000 $ 94,000
Will, Illinois 10 $ 2,210,000 $ 221,000 $ 101,000
Kent, Maryland 10 $ 3,670,000 $ 367,000 $ 214,000
Cumberland, New Jersey 10 $ 900,000 $ 90,000 $ 68,000
Clinton, New York 10 $ 960,000 $ 96,000 $ 133,000
St. Lawrence, New York 10 $ 1,160,000 $ 116,000 $ 118,000
Yates, New York 10 $ 1,020,000 $ 102,000 $ 83,000
Columbia, Oregon 10 $ 2,410,000 $ 241,000 $ 73,000
Bexar, Texas 10 $ 1,470,000 $ 147,000 $ 63,000
Accomack, Virginia 10 $ 1,470,000 $ 147,000 $ 108,000
Chesapeake, Virginia 10 $ 2,520,000 $ 252,000 $ 108,000
Orange, Virginia 10 $ 1,460,000 $ 146,000 $ 96,000
Stanislaus, California 9 $ 1,835,000 $ 203,888 $ 72,000
Charlotte, Florida 9 $ 1,075,000 $ 119,444 $ 84,000
Monroe, Florida 9 $ 10,965,000 $ 1,218,333 $ 950,000
Barrow, Georgia 9 $ 1,495,000 $ 166,111 $ 53,000
Paulding, Georgia 9 $ 1,635,000 $ 181,666 $ 121,000
Androscoggin, Maine 9 $ 1,305,000 $ 145,000 $ 65,000
Somerset, Maryland 9 $ 625,000 $ 69,444 $ 80,000
Macomb, Michigan 9 $ 1,305,000 $ 145,000 $ 55,000
Washoe, Nevada 9 $ 2,125,000 $ 236,111 $ 101,000
Rockingham, New Hampshire 9 $ 2,715,000 $ 301,666 $ 110,000
Essex, New York 9 $ 1,875,000 $ 208,333 $ 134,000
Summit, Ohio 9 $ 1,165,000 $ 129,444 $ 92,000
Clatsop, Oregon 9 $ 2,375,000 $ 263,888 $ 77,000
Tillamook, Oregon 9 $ 1,905,000 $ 211,666 $ 88,000
Rutherford, Tennessee 9 $ 1,665,000 $ 185,000 $ 65,000
Powhatan, Virginia 9 $ 3,015,000 $ 335,000 $ 183,000
Warren, Virginia 9 $ 1,845,000 $ 205,000 $ 96,000
Mason, Washington 9 $ 2,335,000 $ 259,444 $ 107,000
Douglas, Georgia 8 $ 1,280,000 $ 160,000 $ 54,000
Henry, Georgia 8 $ 1,320,000 $ 165,000 $ 55,000
Kane, Illinois 8 $ 1,560,000 $ 195,000 $ 110,000
Lake, Illinois 8 $ 1,400,000 $ 175,000 $ 80,000
Dakota, Minnesota 8 $ 1,600,000 $ 200,000 $ 124,000
St. Louis, Missouri 8 $ 1,270,000 $ 158,750 $ 78,000
Salem, New Jersey 8 $ 1,090,000 $ 136,250 $ 79,000
Umatilla, Oregon 8 $ 1,760,000 $ 220,000 $ 97,000
Juniata, Pennsylvania 8 $ 550,000 $ 68,750 $ 66,000
Wayne, Pennsylvania 8 $ 1,000,000 $ 125,000 $ 58,000
Horry, South Carolina 8 $ 1,940,000 $ 242,500 $ 191,000
Richland, South Carolina 8 $ 1,490,000 $ 186,250 $ 109,000
Bell, Texas 8 $ 1,090,000 $ 136,250 $ 90,000
Travis, Texas 8 $ 1,750,000 $ 218,750 $ 156,000
Culpeper, Virginia 8 $ 1,060,000 $ 132,500 $ 192,000
King George, Virginia 8 $ 1,490,000 $ 186,250 $ 126,000
Jefferson, West Virginia 8 $ 1,380,000 $ 172,500 $ 130,000
Yavapai, Arizona 7 $ 1,655,000 $ 236,428 $ 67,000
Alameda, California 7 $ 2,365,000 $ 337,857 $ 96,000
Merced, California 7 $ 1,605,000 $ 229,285 $ 100,000
Ventura, California 7 $ 3,185,000 $ 455,000 $ 115,000
Middlesex, Connecticut 7 $ 1,265,000 $ 180,714 $ 91,000
Baker, Florida 7 $ 1,205,000 $ 172,142 $ 43,000
Marion, Florida 7 $ 965,000 $ 137,857 $ 51,000
Seminole, Florida 7 $ 1,245,000 $ 177,857 $ 123,000
St. Lucie, Florida 7 $ 935,000 $ 133,571 $ 63,000
DuPage, Illinois 7 $ 1,345,000 $ 192,142 $ 87,000
McHenry, Illinois 7 $ 1,525,000 $ 217,857 $ 105,000
Jefferson, Louisiana 7 $ 835,000 $ 119,285 $ 54,000
Barnstable, Massachusetts 7 $ 2,465,000 $ 352,142 $ 371,000
Fairfield, Ohio 7 $ 1,445,000 $ 206,428 $ 112,000
Stark, Ohio 7 $ 835,000 $ 119,285 $ 50,000
Oklahoma, Oklahoma 7 $ 865,000 $ 123,571 $ 48,000
Tulsa, Oklahoma 7 $ 1,175,000 $ 167,857 $ 76,000
Mifflin, Pennsylvania 7 $ 655,000 $ 93,571 $ 98,000
Tioga, Pennsylvania 7 $ 565,000 $ 80,714 $ 104,000
Dorchester, South Carolina 7 $ 975,000 $ 139,285 $ 66,000
Greenville, South Carolina 7 $ 1,525,000 $ 217,857 $ 58,000
Galveston, Texas 7 $ 1,415,000 $ 202,142 $ 90,000
Fairfax City, Virginia 7 $ 1,445,000 $ 206,428 $ 85,000
Spokane, Washington 7 $ 1,705,000 $ 243,571 $ 89,000
Hampshire, West Virginia 7 $ 325,000 $ 46,428 $ 37,000
Pulaski, Arkansas 6 $ 970,000 $ 161,666 $ 74,000
Solano, California 6 $ 1,820,000 $ 303,333 $ 99,000
Mesa, Colorado 6 $ 900,000 $ 150,000 $ 49,000
Chatham, Georgia 6 $ 3,380,000 $ 563,333 $ 131,000
Coweta, Georgia 6 $ 1,160,000 $ 193,333 $ 63,000
Ada, Idaho 6 $ 1,200,000 $ 200,000 $ 63,000
Kootenai, Idaho 6 $ 1,550,000 $ 258,333 $ 82,000
Johnson, Kansas 6 $ 1,070,000 $ 178,333 $ 92,000
Cumberland, Maine 6 $ 1,100,000 $ 183,333 $ 74,000
Hillsborough, New Hampshire 6 $ 1,460,000 $ 243,333 $ 121,000
Lewis, New York 6 $ 680,000 $ 113,333 $ 66,000
Schoharie, New York 6 $ 370,000 $ 61,666 $ 92,000
Butler, Ohio 6 $ 860,000 $ 143,333 $ 65,000
Lorain, Ohio 6 $ 620,000 $ 103,333 $ 66,000
Portage, Ohio 6 $ 1,350,000 $ 225,000 $ 122,000
Linn, Oregon 6 $ 1,490,000 $ 248,333 $ 84,000
Morrow, Oregon 6 $ 1,440,000 $ 240,000 $ 78,000
Warren, Pennsylvania 6 $ 730,000 $ 121,666 $ 71,000
Knox, Tennessee 6 $ 13,540,000 $ 2,256,666 $ 71,000
McLennan, Texas 6 $ 980,000 $ 163,333 $ 100,000
Cache, Utah 6 $ 1,040,000 $ 173,333 $ 101,000
Garfield, Utah 6 $ 1,120,000 $ 186,666 $ 71,000
Millard, Utah 6 $ 1,030,000 $ 171,666 $ 70,000
Rutland, Vermont 6 $ 790,000 $ 131,666 $ 83,000
Louisa, Virginia 6 $ 1,480,000 $ 246,666 $ 133,000
Norfolk, Virginia 6 $ 1,060,000 $ 176,666 $ 108,000
Kitsap, Washington 6 $ 2,020,000 $ 336,666 $ 92,000
Lewis, Washington 6 $ 1,700,000 $ 283,333 $ 94,000
Madison, Alabama 5 $ 915,000 $ 183,000 $ 72,000
Boulder, Colorado 5 $ 1,705,000 $ 341,000 $ 119,000
Tolland, Connecticut 5 $ 1,015,000 $ 203,000 $ 102,000
St. Johns, Florida 5 $ 1,165,000 $ 233,000 $ 90,000
Bartow, Georgia 5 $ 685,000 $ 137,000 $ 44,000
Cherokee, Georgia 5 $ 735,000 $ 147,000 $ 124,000
Rockdale, Georgia 5 $ 915,000 $ 183,000 $ 66,000
Sedgwick, Kansas 5 $ 505,000 $ 101,000 $ 57,000
Jefferson, Kentucky 5 $ 755,000 $ 151,000 $ 61,000
St. Charles, Louisiana 5 $ 815,000 $ 163,000 $ 73,000
Genesee, Michigan 5 $ 545,000 $ 109,000 $ 92,000
Anoka, Minnesota 5 $ 1,075,000 $ 215,000 $ 76,000
Hennepin, Minnesota 5 $ 1,165,000 $ 233,000 $ 95,000
Ramsey, Minnesota 5 $ 1,125,000 $ 225,000 $ 150,000
Rankin, Mississippi 5 $ 705,000 $ 141,000 $ 131,000
Jefferson, Missouri 5 $ 705,000 $ 141,000 $ 46,000
Bernalillo, New Mexico 5 $ 1,005,000 $ 201,000 $ 93,000
Hamilton, New York 5 $ 485,000 $ 97,000 $ 111,000
Brunswick, North Carolina 5 $ 1,085,000 $ 217,000 $ 152,000
Gaston, North Carolina 5 $ 635,000 $ 127,000 $ 52,000
Lake, Ohio 5 $ 445,000 $ 89,000 $ 71,000
Pickaway, Ohio 5 $ 1,155,000 $ 231,000 $ 94,000
Gilliam, Oregon 5 $ 575,000 $ 115,000 $ 51,000
Beaver, Pennsylvania 5 $ 355,000 $ 71,000 $ 49,000
Westmoreland, Pennsylvania 5 $ 1,745,000 $ 349,000 $ 122,000
Anderson, South Carolina 5 $ 875,000 $ 175,000 $ 69,000
Beaufort, South Carolina 5 $ 1,435,000 $ 287,000 $ 95,000
Montgomery, Tennessee 5 $ 685,000 $ 137,000 $ 94,000
Montgomery, Texas 5 $ 655,000 $ 131,000 $ 73,000
Summit, Utah 5 $ 2,445,000 $ 489,000 $ 294,000
Hampton, Virginia 5 $ 285,000 $ 57,000 $ 104,000
Petersburg, Virginia 5 $ 555,000 $ 111,000 $ 53,000
Montgomery, Alabama 4 $ 730,000 $ 182,500 $ 113,000
Yuma, Arizona 4 $ 500,000 $ 125,000 $ 29,000
Butte, California 4 $ 690,000 $ 172,500 $ 92,000
Elbert, Colorado 4 $ 1,620,000 $ 405,000 $ 108,000
Weld, Colorado 4 $ 890,000 $ 222,500 $ 76,000
Escambia, Florida 4 $ 380,000 $ 95,000 $ 53,000
Leon, Florida 4 $ 640,000 $ 160,000 $ 64,000
Nassau, Florida 4 $ 1,140,000 $ 285,000 $ 116,000
Okaloosa, Florida 4 $ 3,270,000 $ 817,500 $ 100,000
Walton, Florida 4 $ 660,000 $ 165,000 $ 92,000
Hall, Georgia 4 $ 620,000 $ 155,000 $ 51,000
Jackson, Georgia 4 $ 530,000 $ 132,500 $ 53,000
Newton, Georgia 4 $ 580,000 $ 145,000 $ 36,000
Honolulu, Hawaii 4 $ 880,000 $ 220,000 $ 0
Bonneville, Idaho 4 $ 620,000 $ 155,000 $ 51,000
Canyon, Idaho 4 $ 590,000 $ 147,500 $ 52,000
York, Maine 4 $ 1,400,000 $ 350,000 $ 177,000
Washtenaw, Michigan 4 $ 770,000 $ 192,500 $ 161,000
Sherburne, Minnesota 4 $ 1,240,000 $ 310,000 $ 122,000
Hinds, Mississippi 4 $ 460,000 $ 115,000 $ 48,000
Madison, Mississippi 4 $ 810,000 $ 202,500 $ 80,000
Clay, Missouri 4 $ 390,000 $ 97,500 $ 46,000
Douglas, Nebraska 4 $ 470,000 $ 117,500 $ 90,000
Franklin, New York 4 $ 580,000 $ 145,000 $ 131,000
Cabarrus, North Carolina 4 $ 690,000 $ 172,500 $ 95,000
Catawba, North Carolina 4 $ 520,000 $ 130,000 $ 61,000
Guilford, North Carolina 4 $ 670,000 $ 167,500 $ 89,000
New Hanover, North Carolina 4 $ 1,780,000 $ 445,000 $ 216,000
Montgomery, Ohio 4 $ 460,000 $ 115,000 $ 55,000
Canadian, Oklahoma 4 $ 560,000 $ 140,000 $ 68,000
Yamhill, Oregon 4 $ 1,250,000 $ 312,500 $ 73,000
Williamson, Tennessee 4 $ 1,620,000 $ 405,000 $ 119,000
Collin, Texas 4 $ 1,080,000 $ 270,000 $ 90,000
Wasatch, Utah 4 $ 1,650,000 $ 412,500 $ 290,000
Colonial Heights, Virginia 4 $ 470,000 $ 117,500 $ 58,000
Falls Church, Virginia 4 $ 1,040,000 $ 260,000 $ 377,000
King William, Virginia 4 $ 1,380,000 $ 345,000 $ 232,000
Newport News, Virginia 4 $ 460,000 $ 115,000 $ 84,000
Portsmouth, Virginia 4 $ 240,000 $ 60,000 $ 51,000
Prince George, Virginia 4 $ 710,000 $ 177,500 $ 88,000
Island, Washington 4 $ 1,050,000 $ 262,500 $ 70,000
Skagit, Washington 4 $ 1,020,000 $ 255,000 $ 52,000
Yakima, Washington 4 $ 660,000 $ 165,000 $ 234,000
Kenosha, Wisconsin 4 $ 860,000 $ 215,000 $ 112,000
Rock, Wisconsin 4 $ 590,000 $ 147,500 $ 48,000
Waukesha, Wisconsin 4 $ 1,230,000 $ 307,500 $ 116,000
Autauga, Alabama 3 $ 395,000 $ 131,666 $ 75,000
Baldwin, Alabama 3 $ 695,000 $ 231,666 $ 86,000
Mobile, Alabama 3 $ 475,000 $ 158,333 $ 119,000
Shelby, Alabama 3 $ 535,000 $ 178,333 $ 59,000
Gila, Arizona 3 $ 645,000 $ 215,000 $ 110,000
Madera, California 3 $ 645,000 $ 215,000 $ 76,000
Placer, California 3 $ 695,000 $ 231,666 $ 114,000
Sonoma, California 3 $ 1,245,000 $ 415,000 $ 150,000
La Plata, Colorado 3 $ 895,000 $ 298,333 $ 122,000
Larimer, Colorado 3 $ 535,000 $ 178,333 $ 55,000
Citrus, Florida 3 $ 425,000 $ 141,666 $ 94,000
Sumter, Florida 3 $ 775,000 $ 258,333 $ 119,000
Forsyth, Georgia 3 $ 955,000 $ 318,333 $ 123,000
Whitfield, Georgia 3 $ 285,000 $ 95,000 $ 41,000
Bingham, Idaho 3 $ 555,000 $ 185,000 $ 676,000
DeKalb, Illinois 3 $ 365,000 $ 121,666 $ 55,000
St. Clair, Illinois 3 $ 335,000 $ 111,666 $ 130,000
Clark, Indiana 3 $ 355,000 $ 118,333 $ 70,000
Hendricks, Indiana 3 $ 505,000 $ 168,333 $ 87,000
LaPorte, Indiana 3 $ 255,000 $ 85,000 $ 26,000
Porter, Indiana 3 $ 835,000 $ 278,333 $ 119,000
Polk, Iowa 3 $ 405,000 $ 135,000 $ 54,000
Boone, Kentucky 3 $ 525,000 $ 175,000 $ 64,000
Orleans, Louisiana 3 $ 415,000 $ 138,333 $ 86,000
St. Tammany, Louisiana 3 $ 575,000 $ 191,666 $ 106,000
Kennebec, Maine 3 $ 395,000 $ 131,666 $ 81,000
Berkshire, Massachusetts 3 $ 475,000 $ 158,333 $ 109,000
Franklin, Massachusetts 3 $ 465,000 $ 155,000 $ 171,000
Ingham, Michigan 3 $ 425,000 $ 141,666 $ 70,000
Kent, Michigan 3 $ 545,000 $ 181,666 $ 90,000
Monroe, Michigan 3 $ 465,000 $ 155,000 $ 63,000
Harrison, Mississippi 3 $ 295,000 $ 98,333 $ 73,000
Jackson, Missouri 3 $ 385,000 $ 128,333 $ 49,000
Dona Ana, New Mexico 3 $ 505,000 $ 168,333 $ 54,000
Valencia, New Mexico 3 $ 295,000 $ 98,333 $ 60,000
Alamance, North Carolina 3 $ 385,000 $ 128,333 $ 50,000
Dare, North Carolina 3 $ 1,245,000 $ 415,000 $ 89,000
Halifax, North Carolina 3 $ 265,000 $ 88,333 $ 103,000
Onslow, North Carolina 3 $ 655,000 $ 218,333 $ 137,000
Orange, North Carolina 3 $ 785,000 $ 261,666 $ 86,000
Pasquotank, North Carolina 3 $ 335,000 $ 111,666 $ 50,000
Person, North Carolina 3 $ 265,000 $ 88,333 $ 19,000
Ashtabula, Ohio 3 $ 325,000 $ 108,333 $ 75,000
Delaware, Ohio 3 $ 465,000 $ 155,000 $ 73,000
Mahoning, Ohio 3 $ 105,000 $ 35,000 $ 0
Comanche, Oklahoma 3 $ 225,000 $ 75,000 $ 76,000
Crook, Oregon 3 $ 845,000 $ 281,666 $ 140,000
Douglas, Oregon 3 $ 705,000 $ 235,000 $ 74,000
Grant, Oregon 3 $ 535,000 $ 178,333 $ 50,000
Hood River, Oregon 3 $ 1,335,000 $ 445,000 $ 114,000
Butler, Pennsylvania 3 $ 525,000 $ 175,000 $ 69,000
McKean, Pennsylvania 3 $ 195,000 $ 65,000 $ 39,000
Bristol, Rhode Island 3 $ 885,000 $ 295,000 $ 106,000
Newport, Rhode Island 3 $ 2,435,000 $ 811,666 $ 186,000
Berkeley, South Carolina 3 $ 545,000 $ 181,666 $ 60,000
Orangeburg, South Carolina 3 $ 445,000 $ 148,333 $ 43,000
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Mortgage Loan Application Detail Totals for M&T Bank in 2018

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
Home Purchase 11,873 $3,082,380,000 $259,000 $50,005,000 $102,000 $4,375,000
Refinancing 10,043 $1,587,655,000 $158,000 $27,405,000 $114,000 $3,834,000
Home Improvement 8,968 $776,870,000 $86,000 $30,405,000 $112,000 $8,458,000
Other Purpose 5,200 $536,650,000 $103,000 $5,805,000 $114,000 $9,892,000
Cash-out Refinancing 3,202 $729,470,000 $227,000 $4,405,000 $114,000 $5,686,000
Not Applicable 1,139 $234,585,000 $205,000 $825,000 $84,000 $414,000

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 27,623 $3,788,955,000 $137,000 $5,805,000 $115,000 $9,892,000
Not applicable 4,160 $1,817,945,000 $437,000 $50,005,000 $88,000 $736,000
Black or African American 3,258 $411,850,000 $126,000 $3,005,000 $82,000 $1,650,000
Not Provided 1,859 $341,875,000 $183,000 $4,405,000 $133,000 $5,686,000
Hispanic 1,847 $261,505,000 $141,000 $1,085,000 $84,000 $1,618,000
Asian 1,201 $247,445,000 $206,000 $1,875,000 $120,000 $1,383,000
American Indian or Alaskan Native 111 $14,965,000 $134,000 $1,005,000 $104,000 $928,000
Native Hawaiian or Other Pacific Islander 37 $5,895,000 $159,000 $505,000 $89,000 $340,000

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) 33,998 $5,514,595,000 $162,000 $50,005,000 $116,000 $9,892,000
FHA-insured (Federal Housing Administration) 5,774 $1,283,700,000 $222,000 $1,215,000 $74,000 $710,000
VA-guaranteed (Veterans Administration) 487 $120,085,000 $246,000 $765,000 $89,000 $662,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 166 $29,230,000 $176,000 $455,000 $56,000 $113,000

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 23,625 $4,344,530,000 $183,000 $50,005,000 $117,000 $9,892,000
Application Denied By Financial Institution 9,841 $1,093,705,000 $111,000 $4,405,000 $95,000 $6,577,000
Loan Purchased By The Institution 3,826 $965,580,000 $252,000 $1,215,000 $88,000 $736,000
Application Withdrawn By Applicant 1,644 $345,010,000 $209,000 $2,615,000 $117,000 $2,403,000
Application Approved But Not Accepted 1,117 $144,595,000 $129,000 $1,465,000 $115,000 $2,192,000
File Closed For Incompleteness 372 $54,190,000 $145,000 $1,315,000 $126,000 $1,637,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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
Not applicable 30,584 $5,853,905,000 $191,000 $50,005,000 $114,000 $9,892,000
Credit History 3,098 $220,710,000 $71,000 $1,215,000 $105,000 $6,577,000
Collateral 2,686 $303,220,000 $112,000 $2,155,000 $116,000 $1,779,000
Debt-To-Income Ratio 2,603 $361,295,000 $138,000 $4,405,000 $58,000 $844,000
Other 1,128 $150,330,000 $133,000 $1,075,000 $120,000 $5,000,000
Unverifiable Information 102 $12,030,000 $117,000 $825,000 $101,000 $360,000
Credit Application Incomplete 99 $22,775,000 $230,000 $1,265,000 $101,000 $397,000
Insufficient Cash (Downpayment, Closing Cost) 69 $16,605,000 $240,000 $1,375,000 $92,000 $615,000
Employment History 56 $6,740,000 $120,000 $495,000 $73,000 $240,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into M&T Bank's 2018 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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