M&T Bank Mortgage Lending & HMDA Data, 2025

In 2025, M&T Bank of Buffalo, NY reported 42,493 mortgage applications totaling $11.5 billion, up 17% from 2024. The average application was for $270,413, and applicants reported an average income of $170,608. 55% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (3,692), Baltimore-Columbia-Towson, MD (3,272) and New York-Jersey City-White Plains, NY-NJ (2,861) (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 42,493
Total Mortgage Loan Application Amount $11,490,660,000
Average Mortgage Loan Application Amount $270,413
Highest Mortgage Loan Application Amount $62,005,000
Average Applicant Income $170,608
Highest Applicant Income $9,450,000

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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 4,541 $ 796,305,000 $ 175,358 $ 135,933
Buffalo-Cheektowaga-Niagara Falls, NY 3,692 $ 644,010,000 $ 174,433 $ 121,000
Baltimore-Columbia-Towson, MD 3,272 $ 629,080,000 $ 192,261 $ 137,000
New York-Jersey City-White Plains, NY-NJ 2,861 $ 1,268,510,000 $ 443,379 $ 242,738
Nassau County-Suffolk County, NY 1,521 $ 459,745,000 $ 302,264 $ 214,000
Bridgeport-Stamford-Norwalk, CT 1,458 $ 489,110,000 $ 335,466 $ 247,000
Hartford-West Hartford-East Hartford, CT 1,341 $ 225,975,000 $ 168,512 $ 141,000
Arlington-Alexandria-Reston, VA-WV 1,142 $ 637,060,000 $ 557,845 $ 249,930
Rochester, NY 1,137 $ 185,455,000 $ 163,109 $ 118,000
Cambridge-Newton-Framingham, MA 1,038 $ 629,750,000 $ 606,695 $ 276,000
Washington-Baltimore-Arlington, DC 957 $ 389,935,000 $ 407,455 $ 233,000
York-Hanover, PA 874 $ 117,600,000 $ 134,553 $ 100,000
Syracuse, NY 863 $ 147,165,000 $ 170,527 $ 122,000
Lakewood-New Brunswick, NJ 840 $ 313,350,000 $ 373,035 $ 215,000
Newark, NJ-PA 775 $ 315,395,000 $ 406,961 $ 221,000
Washington, DC-MD 719 $ 237,215,000 $ 329,923 $ 186,043
Boston, MA 654 $ 550,930,000 $ 842,400 $ 373,000
Wilmington, DE-MD-NJ 646 $ 98,420,000 $ 152,352 $ 136,863
Kiryas Joel-Poughkeepsie-Newburgh, NY 591 $ 123,045,000 $ 208,197 $ 153,000
New Haven-Milford, CT 541 $ 108,215,000 $ 200,027 $ 150,000
Scranton--Wilkes-Barre--Hazleton, PA 473 $ 58,295,000 $ 123,245 $ 104,000
Albany-Schenectady-Troy, NY 457 $ 100,525,000 $ 219,967 $ 145,000
Springfield, MA 436 $ 66,840,000 $ 153,302 $ 105,000
Waterbury-Shelton, CT 413 $ 75,055,000 $ 181,731 $ 144,000
Binghamton, NY 395 $ 45,795,000 $ 115,936 $ 120,000
Harrisburg-Carlisle, PA 395 $ 59,525,000 $ 150,696 $ 108,000
Utica-Rome, NY 366 $ 47,740,000 $ 130,437 $ 91,000
Reading, PA 347 $ 43,655,000 $ 125,806 $ 101,000
Montgomery County-Bucks County-Chester County, PA 328 $ 118,640,000 $ 361,707 $ 215,000
Hagerstown-Martinsburg, MD-WV 318 $ 42,490,000 $ 133,616 $ 95,484
Chambersburg-Waynesboro, PA 306 $ 39,390,000 $ 128,725 $ 102,000
Philadelphia, PA 302 $ 61,170,000 $ 202,549 $ 193,000
Worcester, MA-CT 264 $ 127,980,000 $ 484,772 $ 166,000
Camden, NJ 263 $ 96,845,000 $ 368,231 $ 160,000
Dover, DE 251 $ 34,415,000 $ 137,111 $ 104,000
Rockingham County-Strafford County, NH 245 $ 75,735,000 $ 309,122 $ 216,000
Lancaster, PA 210 $ 35,340,000 $ 168,285 $ 104,000
Atlanta-Sandy Springs-Roswell, GA 198 $ 47,000,000 $ 237,373 $ 96,000
Portland-South Portland, ME 198 $ 52,120,000 $ 263,232 $ 160,000
Kingston, NY 197 $ 47,745,000 $ 242,360 $ 146,000
Burlington-South Burlington, VT 194 $ 67,880,000 $ 349,896 $ 186,000
Norwich-New London, CT 192 $ 34,420,000 $ 179,270 $ 158,000
Allentown-Bethlehem-Easton, PA-NJ 179 $ 27,835,000 $ 155,502 $ 131,413
Altoona, PA 156 $ 15,680,000 $ 100,512 $ 215,000
Richmond, VA 153 $ 28,525,000 $ 186,437 $ 139,000
Virginia Beach-Norfolk-Newport News, VA-NC 130 $ 22,490,000 $ 173,000 $ 177,984
Chicago-Naperville, IL 123 $ 31,825,000 $ 258,739 $ 122,000
Atlantic City-Hammonton, NJ 121 $ 79,605,000 $ 657,892 $ 563,000
Manchester-Nashua, NH 121 $ 30,985,000 $ 256,074 $ 152,000
Houston-The Woodlands-Sugar Land, TX 119 $ 34,075,000 $ 286,344 $ 174,000
Gettysburg, PA 118 $ 16,120,000 $ 136,610 $ 144,000
Providence-Warwick, RI-MA 117 $ 45,125,000 $ 385,683 $ 214,717
Salisbury, MD-DE 116 $ 11,080,000 $ 95,517 $ 92,000
Phoenix-Mesa-Scottsdale, AZ 101 $ 32,785,000 $ 324,603 $ 185,000
Pittsburgh, PA 101 $ 15,345,000 $ 151,930 $ 136,000
Orlando-Kissimmee-Sanford, FL 99 $ 18,915,000 $ 191,060 $ 147,000
Lexington Park, MD 94 $ 12,020,000 $ 127,872 $ 192,000
Tampa, FL 92 $ 18,650,000 $ 202,717 $ 156,000
State College, PA 85 $ 13,755,000 $ 161,823 $ 117,000
Ithaca, NY 84 $ 28,930,000 $ 344,404 $ 115,000
Williamsport, PA 83 $ 9,985,000 $ 120,301 $ 79,000
Trenton, NJ 82 $ 27,180,000 $ 331,463 $ 185,000
Lebanon, PA 79 $ 9,835,000 $ 124,493 $ 96,000
Dallas-Plano-Irving, TX 78 $ 25,140,000 $ 322,307 $ 197,000
West Palm Beach-Boca Raton-Delray Beach, FL 75 $ 81,865,000 $ 1,091,533 $ 640,000
Jacksonville, FL 70 $ 17,370,000 $ 248,142 $ 167,000
Miami-Miami Beach-Kendall, FL 69 $ 36,105,000 $ 523,260 $ 670,000
Riverside-San Bernardino-Ontario, CA 69 $ 25,265,000 $ 366,159 $ 140,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 66 $ 15,240,000 $ 230,909 $ 112,000
Indianapolis-Carmel-Anderson, IN 66 $ 14,330,000 $ 217,121 $ 98,000
San Antonio-New Braunfels, TX 64 $ 15,640,000 $ 244,375 $ 144,000
Elmira, NY 63 $ 8,185,000 $ 129,920 $ 83,000
Barnstable Town, MA 59 $ 40,875,000 $ 692,796 $ 551,000
Charlotte-Concord-Gastonia, NC-SC 58 $ 24,050,000 $ 414,655 $ 231,068
Glens Falls, NY 56 $ 12,080,000 $ 215,714 $ 191,000
St. Louis, MO-IL 52 $ 10,010,000 $ 192,500 $ 358,153
Cape Coral-Fort Myers, FL 51 $ 15,345,000 $ 300,882 $ 423,000
Memphis, TN-MS-AR 51 $ 9,335,000 $ 183,039 $ 101,080
Amherst Town-Northampton, MA 48 $ 6,220,000 $ 129,583 $ 84,000
Kansas City, MO-KS 48 $ 10,190,000 $ 212,291 $ 110,062
Urban Honolulu, HI 47 $ 36,295,000 $ 772,234 $ 183,000
Denver-Aurora-Lakewood, CO 45 $ 23,995,000 $ 533,222 $ 232,000
Fort Worth-Arlington, TX 45 $ 10,525,000 $ 233,888 $ 140,000
Colorado Springs, CO 43 $ 17,235,000 $ 400,813 $ 142,000
Lakeland-Winter Haven, FL 43 $ 7,635,000 $ 177,558 $ 95,000
Los Angeles-Long Beach-Glendale, CA 43 $ 35,855,000 $ 833,837 $ 577,000
Warren-Troy-Farmington Hills, MI 43 $ 8,705,000 $ 202,441 $ 131,000
Cleveland, OH 42 $ 5,780,000 $ 137,619 $ 90,000
Pensacola-Ferry Pass-Brent, FL 42 $ 9,050,000 $ 215,476 $ 130,000
Las Vegas-Henderson-Paradise, NV 41 $ 11,355,000 $ 276,951 $ 120,000
San Diego-Carlsbad, CA 40 $ 23,020,000 $ 575,500 $ 213,000
Cincinnati, OH-KY-IN 39 $ 7,875,000 $ 201,923 $ 117,974
Nashville-Davidson--Murfreesboro--Franklin, TN 39 $ 10,175,000 $ 260,897 $ 106,000
North Port-Sarasota-Bradenton, FL 38 $ 20,590,000 $ 541,842 $ 307,000
Portland-Vancouver-Hillsboro, OR-WA 38 $ 15,000,000 $ 394,736 $ 168,631
Marietta, GA 37 $ 8,335,000 $ 225,270 $ 98,000
Columbus, OH 35 $ 8,055,000 $ 230,142 $ 116,000
Minneapolis-St. Paul-Bloomington, MN-WI 35 $ 10,895,000 $ 311,285 $ 129,228
Naples-Immokalee-Marco Island, FL 35 $ 16,115,000 $ 460,428 $ 332,000
Austin-Round Rock, TX 33 $ 13,195,000 $ 399,848 $ 200,000
Oklahoma City, OK 32 $ 7,320,000 $ 228,750 $ 127,000
Charleston-North Charleston, SC 31 $ 23,725,000 $ 765,322 $ 247,000
Watertown-Fort Drum, NY 30 $ 3,270,000 $ 109,000 $ 110,000
Detroit-Dearborn-Livonia, MI 29 $ 4,145,000 $ 142,931 $ 77,000
Raleigh, NC 29 $ 9,075,000 $ 312,931 $ 139,000
Tucson, AZ 29 $ 7,285,000 $ 251,206 $ 145,000
Lake County-Porter County-Jasper County, IN 28 $ 5,640,000 $ 201,428 $ 78,000
Sacramento--Roseville--Arden-Arcade, CA 27 $ 9,915,000 $ 367,222 $ 157,000
St. Petersburg-Clearwater-Largo, FL 27 $ 7,915,000 $ 293,148 $ 182,000
Augusta-Richmond County, GA-SC 26 $ 5,560,000 $ 213,846 $ 93,538
Birmingham-Hoover, AL 26 $ 5,530,000 $ 212,692 $ 85,000
Deltona-Daytona Beach-Ormond Beach, FL 26 $ 5,590,000 $ 215,000 $ 120,000
Albuquerque, NM 25 $ 6,645,000 $ 265,800 $ 104,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 25 $ 7,835,000 $ 313,400 $ 178,000
Baton Rouge, LA 24 $ 3,890,000 $ 162,083 $ 67,000
Tulsa, OK 24 $ 4,330,000 $ 180,416 $ 107,000
Columbia, SC 23 $ 4,555,000 $ 198,043 $ 94,000
Port St. Lucie, FL 23 $ 6,865,000 $ 298,478 $ 188,000
Tacoma-Lakewood, WA 23 $ 10,695,000 $ 465,000 $ 179,000
Greenville-Anderson-Mauldin, SC 22 $ 4,640,000 $ 210,909 $ 91,000
New Orleans-Metairie, LA 22 $ 4,220,000 $ 191,818 $ 125,000
Charlottesville, VA 21 $ 7,085,000 $ 337,380 $ 193,000
Erie, PA 21 $ 2,075,000 $ 98,809 $ 79,000
Palm Bay-Melbourne-Titusville, FL 21 $ 5,265,000 $ 250,714 $ 144,000
Louisville/Jefferson County, KY-IN 20 $ 3,320,000 $ 166,000 $ 83,750
Milwaukee-Waukesha-West Allis, WI 20 $ 4,440,000 $ 222,000 $ 102,000
Crestview-Fort Walton Beach-Destin, FL 19 $ 6,305,000 $ 331,842 $ 248,000
Elgin, IL 19 $ 3,975,000 $ 209,210 $ 101,000
Wilmington, NC 19 $ 5,815,000 $ 306,052 $ 135,000
Grand Rapids-Wyoming, MI 18 $ 3,100,000 $ 172,222 $ 82,000
Johnstown, PA 18 $ 1,880,000 $ 104,444 $ 112,000
Ogden-Clearfield, UT 18 $ 7,200,000 $ 400,000 $ 138,000
Savannah, GA 17 $ 6,245,000 $ 367,352 $ 166,000
Winchester, VA-WV 17 $ 3,425,000 $ 201,470 $ 91,529
Bakersfield, CA 16 $ 3,130,000 $ 195,625 $ 129,000
Killeen-Temple, TX 16 $ 4,130,000 $ 258,125 $ 154,000
Youngstown-Warren-Boardman, OH-PA 16 $ 1,550,000 $ 96,875 $ 58,000
Des Moines-West Des Moines, IA 15 $ 2,285,000 $ 152,333 $ 68,000
Fresno, CA 15 $ 4,105,000 $ 273,666 $ 129,000
Jackson, MS 15 $ 3,325,000 $ 221,666 $ 99,000
Little Rock-North Little Rock-Conway, AR 15 $ 2,895,000 $ 193,000 $ 84,000
Montgomery, AL 15 $ 2,325,000 $ 155,000 $ 130,000
Oakland-Hayward-Berkeley, CA 15 $ 14,055,000 $ 937,000 $ 376,000
Roanoke, VA 15 $ 2,195,000 $ 146,333 $ 117,000
Clarksville, TN-KY 14 $ 3,780,000 $ 270,000 $ 96,000
Dayton-Springfield-Kettering, OH 14 $ 1,940,000 $ 138,571 $ 94,000
McAllen-Edinburg-Mission, TX 14 $ 2,280,000 $ 162,857 $ 0
Mobile, AL 14 $ 2,420,000 $ 172,857 $ 78,000
Punta Gorda, FL 14 $ 3,530,000 $ 252,142 $ 169,000
Salt Lake City, UT 14 $ 6,460,000 $ 461,428 $ 215,000
Huntsville, AL 13 $ 3,625,000 $ 278,846 $ 307,000
Knoxville, TN 13 $ 2,415,000 $ 185,769 $ 89,000
Seattle-Bellevue-Everett, WA 13 $ 7,225,000 $ 555,769 $ 230,000
Vineland-Bridgeton, NJ 13 $ 1,225,000 $ 94,230 $ 76,000
Akron, OH 12 $ 2,120,000 $ 176,666 $ 118,000
Fayetteville, NC 12 $ 1,680,000 $ 140,000 $ 82,000
Hilton Head Island-Bluffton-Beaufort, SC 12 $ 11,090,000 $ 924,166 $ 557,000
Lynchburg, VA 12 $ 2,190,000 $ 182,500 $ 129,000
Ocala, FL 12 $ 2,140,000 $ 178,333 $ 83,000
Omaha-Council Bluffs, NE-IA 12 $ 3,400,000 $ 283,333 $ 107,000
Greeley, CO 11 $ 3,245,000 $ 295,000 $ 88,000
Greensboro-High Point, NC 11 $ 1,765,000 $ 160,454 $ 116,000
San Francisco-Redwood City-South San Francisco, CA 11 $ 14,485,000 $ 1,316,818 $ 428,000
Sebastian-Vero Beach, FL 11 $ 8,895,000 $ 808,636 $ 475,000
Canton-Massillon, OH 10 $ 1,430,000 $ 143,000 $ 89,000
Panama City, FL 10 $ 1,860,000 $ 186,000 $ 122,000
San Jose-Sunnyvale-Santa Clara, CA 10 $ 12,790,000 $ 1,279,000 $ 481,000
Spartanburg, SC 10 $ 1,960,000 $ 196,000 $ 166,000
Winston-Salem, NC 10 $ 1,770,000 $ 177,000 $ 91,000
Charleston, WV 9 $ 825,000 $ 91,666 $ 85,000
Homosassa Springs, FL 9 $ 1,795,000 $ 199,444 $ 106,000
Kingsport-Bristol-Bristol, TN-VA 9 $ 1,395,000 $ 155,000 $ 140,000
South Bend-Mishawaka, IN-MI 9 $ 1,405,000 $ 156,111 $ 104,222
Springfield, MO 9 $ 1,365,000 $ 151,666 $ 74,000
Topeka, KS 9 $ 995,000 $ 110,555 $ 72,000
Visalia-Porterville, CA 9 $ 2,405,000 $ 267,222 $ 111,000
Bangor, ME 8 $ 570,000 $ 71,250 $ 91,000
Chattanooga, TN-GA 8 $ 2,020,000 $ 252,500 $ 137,000
Columbus, GA-AL 8 $ 2,400,000 $ 300,000 $ 156,375
Fort Wayne, IN 8 $ 1,300,000 $ 162,500 $ 145,000
Hickory-Lenoir-Morganton, NC 8 $ 1,540,000 $ 192,500 $ 76,000
Lake County-Kenosha County, IL-WI 8 $ 1,500,000 $ 187,500 $ 74,000
Laredo, TX 8 $ 1,670,000 $ 208,750 $ 98,000
Olympia-Tumwater, WA 8 $ 3,380,000 $ 422,500 $ 134,000
Oxnard-Thousand Oaks-Ventura, CA 8 $ 6,650,000 $ 831,250 $ 228,000
Spokane-Spokane Valley, WA 8 $ 1,120,000 $ 140,000 $ 40,000
Tuscaloosa, AL 8 $ 1,880,000 $ 235,000 $ 128,000
Anchorage, AK 7 $ 2,285,000 $ 326,428 $ 153,000
Asheville, NC 7 $ 2,805,000 $ 400,714 $ 364,000
Boise City, ID 7 $ 2,255,000 $ 322,142 $ 136,000
Champaign-Urbana, IL 7 $ 935,000 $ 133,571 $ 81,000
Daphne-Fairhope-Foley, AL 7 $ 3,075,000 $ 439,285 $ 267,000
Evansville, IN-KY 7 $ 1,385,000 $ 197,857 $ 70,000
Jackson, MI 7 $ 1,065,000 $ 152,142 $ 75,000
Lewiston-Auburn, ME 7 $ 1,215,000 $ 173,571 $ 67,000
Macon-Bibb County, GA 7 $ 1,405,000 $ 200,714 $ 83,000
Modesto, CA 7 $ 1,965,000 $ 280,714 $ 170,000
Provo-Orem, UT 7 $ 2,485,000 $ 355,000 $ 129,000
Redding, CA 7 $ 1,635,000 $ 233,571 $ 86,000
Salem, OR 7 $ 2,695,000 $ 385,000 $ 106,000
Shreveport-Bossier City, LA 7 $ 1,465,000 $ 209,285 $ 102,000
Staunton-Waynesboro, VA 7 $ 1,055,000 $ 150,714 $ 99,000
Vallejo-Fairfield, CA 7 $ 2,875,000 $ 410,714 $ 145,000
Albany, GA 6 $ 1,050,000 $ 175,000 $ 96,000
Beaumont-Port Arthur, TX 6 $ 1,150,000 $ 191,666 $ 105,000
Bremerton-Silverdale, WA 6 $ 2,040,000 $ 340,000 $ 78,000
El Paso, TX 6 $ 900,000 $ 150,000 $ 59,000
Everett, WA 6 $ 2,340,000 $ 390,000 $ 149,000
Gainesville, FL 6 $ 660,000 $ 110,000 $ 50,000
Gainesville, GA 6 $ 1,390,000 $ 231,666 $ 121,000
Harrisonburg, VA 6 $ 1,130,000 $ 188,333 $ 130,000
Huntington-Ashland, WV-KY-OH 6 $ 430,000 $ 71,666 $ 103,000
Lafayette, LA 6 $ 920,000 $ 153,333 $ 93,000
Peoria, IL 6 $ 760,000 $ 126,666 $ 74,000
Pittsfield, MA 6 $ 820,000 $ 136,666 $ 128,000
Prescott Valley-Prescott, AZ 6 $ 4,420,000 $ 736,666 $ 363,000
St. Joseph, MO-KS 6 $ 920,000 $ 153,333 $ 81,000
Stockton-Lodi, CA 6 $ 2,540,000 $ 423,333 $ 127,000
Tallahassee, FL 6 $ 1,310,000 $ 218,333 $ 128,000
Toledo, OH 6 $ 1,150,000 $ 191,666 $ 107,000
Traverse City, MI 6 $ 1,400,000 $ 233,333 $ 49,000
Valdosta, GA 6 $ 1,180,000 $ 196,666 $ 109,000
Wichita, KS 6 $ 800,000 $ 133,333 $ 77,000
Yuma, AZ 6 $ 1,230,000 $ 205,000 $ 123,000
Amarillo, TX 5 $ 875,000 $ 175,000 $ 84,000
Anaheim-Santa Ana-Irvine, CA 5 $ 4,395,000 $ 879,000 $ 297,000
Blacksburg-Christiansburg-Radford, VA 5 $ 865,000 $ 173,000 $ 80,000
Brunswick, GA 5 $ 2,745,000 $ 549,000 $ 640,000
Davenport-Moline-Rock Island, IA-IL 5 $ 825,000 $ 165,000 $ 81,400
Durham-Chapel Hill, NC 5 $ 2,245,000 $ 449,000 $ 381,000
El Centro, CA 5 $ 1,575,000 $ 315,000 $ 125,000
Fayetteville-Springdale-Rogers, AR-MO 5 $ 975,000 $ 195,000 $ 97,000
Flint, MI 5 $ 945,000 $ 189,000 $ 125,000
Florence, SC 5 $ 495,000 $ 99,000 $ 36,000
Fort Smith, AR-OK 5 $ 655,000 $ 131,000 $ 80,000
Greenville, NC 5 $ 605,000 $ 121,000 $ 63,000
Hinesville, GA 5 $ 835,000 $ 167,000 $ 154,000
Madison, WI 5 $ 1,495,000 $ 299,000 $ 180,000
Medford, OR 5 $ 1,695,000 $ 339,000 $ 142,000
Merced, CA 5 $ 1,905,000 $ 381,000 $ 92,000
Morgantown, WV 5 $ 635,000 $ 127,000 $ 100,000
Muskegon, MI 5 $ 985,000 $ 197,000 $ 129,000
Pueblo, CO 5 $ 1,385,000 $ 277,000 $ 107,000
Rockford, IL 5 $ 1,075,000 $ 215,000 $ 42,000
Slidell-Mandeville-Covington, LA 5 $ 775,000 $ 155,000 $ 64,000
Warner Robins, GA 5 $ 935,000 $ 187,000 $ 132,000
Yuba City, CA 5 $ 1,175,000 $ 235,000 $ 80,000
Alexandria, LA 4 $ 850,000 $ 212,500 $ 130,000
Anniston-Oxford-Jacksonville, AL 4 $ 1,040,000 $ 260,000 $ 132,000
Appleton, WI 4 $ 670,000 $ 167,500 $ 92,000
Bend-Redmond, OR 4 $ 1,490,000 $ 372,500 $ 2,185,000
Coeur D'Alene, ID 4 $ 1,310,000 $ 327,500 $ 226,000
Corpus Christi, TX 4 $ 990,000 $ 247,500 $ 203,000
Eugene, OR 4 $ 1,030,000 $ 257,500 $ 177,000
Gadsden, AL 4 $ 540,000 $ 135,000 $ 58,000
Goldsboro, NC 4 $ 410,000 $ 102,500 $ 66,000
Idaho Falls, ID 4 $ 940,000 $ 235,000 $ 128,000
Jackson, TN 4 $ 780,000 $ 195,000 $ 50,000
Kalamazoo-Portage, MI 4 $ 640,000 $ 160,000 $ 86,000
Lake Havasu City-Kingman, AZ 4 $ 1,220,000 $ 305,000 $ 138,000
Lansing-East Lansing, MI 4 $ 620,000 $ 155,000 $ 115,000
Las Cruces, NM 4 $ 640,000 $ 160,000 $ 141,000
Monroe, LA 4 $ 710,000 $ 177,500 $ 39,000
Racine, WI 4 $ 660,000 $ 165,000 $ 96,000
Reno, NV 4 $ 1,600,000 $ 400,000 $ 134,000
Rome, GA 4 $ 870,000 $ 217,500 $ 81,000
Salinas, CA 4 $ 1,520,000 $ 380,000 $ 127,000
Sumter, SC 4 $ 930,000 $ 232,500 $ 131,000
Texarkana, TX-AR 4 $ 710,000 $ 177,500 $ 47,250
Waco, TX 4 $ 960,000 $ 240,000 $ 71,000
Yakima, WA 4 $ 660,000 $ 165,000 $ 69,000
Abilene, TX 3 $ 505,000 $ 168,333 $ 66,000
Auburn-Opelika, AL 3 $ 525,000 $ 175,000 $ 87,000
Battle Creek, MI 3 $ 475,000 $ 158,333 $ 84,000
Beckley, WV 3 $ 275,000 $ 91,666 $ 50,000
Brownsville-Harlingen, TX 3 $ 685,000 $ 228,333 $ 222,000
Casper, WY 3 $ 1,005,000 $ 335,000 $ 81,000
Columbus, IN 3 $ 545,000 $ 181,666 $ 62,000
Duluth, MN-WI 3 $ 295,000 $ 98,333 $ 48,000
Eau Claire, WI 3 $ 485,000 $ 161,666 $ 64,000
Fort Collins, CO 3 $ 905,000 $ 301,666 $ 141,000
Green Bay, WI 3 $ 805,000 $ 268,333 $ 209,000
Gulfport-Biloxi-Pascagoula, MS 3 $ 775,000 $ 258,333 $ 119,000
Hammond, LA 3 $ 355,000 $ 118,333 $ 39,000
Houma-Thibodaux, LA 3 $ 545,000 $ 181,666 $ 146,000
Jacksonville, NC 3 $ 465,000 $ 155,000 $ 0
Janesville-Beloit, WI 3 $ 415,000 $ 138,333 $ 94,000
Johnson City, TN 3 $ 505,000 $ 168,333 $ 64,000
Lubbock, TX 3 $ 275,000 $ 91,666 $ 88,000
Midland, TX 3 $ 655,000 $ 218,333 $ 50,000
Minot, ND 3 $ 725,000 $ 241,666 $ 77,000
Morristown, TN 3 $ 485,000 $ 161,666 $ 60,000
Muncie, IN 3 $ 435,000 $ 145,000 $ 69,000
Napa, CA 3 $ 2,485,000 $ 828,333 $ 215,000
Paducah, KY-IL 3 $ 275,000 $ 91,666 $ 48,000
Sebring, FL 3 $ 265,000 $ 88,333 $ 30,000
Sherman-Denison, TX 3 $ 475,000 $ 158,333 $ 0
Sierra Vista-Douglas, AZ 3 $ 385,000 $ 128,333 $ 70,000
St. Cloud, MN 3 $ 405,000 $ 135,000 $ 93,000
Twin Falls, ID 3 $ 665,000 $ 221,666 $ 109,000
Tyler, TX 3 $ 255,000 $ 85,000 $ 0
Wheeling, WV-OH 3 $ 205,000 $ 68,333 $ 97,666
Wildwood-The Villages, FL 3 $ 775,000 $ 258,333 $ 90,000
Albany, OR 2 $ 520,000 $ 260,000 $ 133,000
Ames, IA 2 $ 250,000 $ 125,000 $ 137,000
Ann Arbor, MI 2 $ 430,000 $ 215,000 $ 147,000
Bismarck, ND 2 $ 590,000 $ 295,000 $ 152,000
Bozeman, MT 2 $ 580,000 $ 290,000 $ 117,000
Cape Girardeau, MO-IL 2 $ 320,000 $ 160,000 $ 89,000
Cedar Rapids, IA 2 $ 230,000 $ 115,000 $ 54,000
Cheyenne, WY 2 $ 620,000 $ 310,000 $ 76,000
Columbia, MO 2 $ 430,000 $ 215,000 $ 54,000
Decatur, AL 2 $ 290,000 $ 145,000 $ 60,000
Elizabethtown-Fort Knox, KY 2 $ 470,000 $ 235,000 $ 76,000
Fargo, ND-MN 2 $ 640,000 $ 320,000 $ 113,000
Farmington, NM 2 $ 380,000 $ 190,000 $ 78,000
Grand Forks, ND-MN 2 $ 400,000 $ 200,000 $ 99,000
Great Falls, MT 2 $ 500,000 $ 250,000 $ 92,000
Hattiesburg, MS 2 $ 380,000 $ 190,000 $ 50,000
Hot Springs, AR 2 $ 390,000 $ 195,000 $ 0
Jefferson City, MO 2 $ 260,000 $ 130,000 $ 65,000
Jonesboro, AR 2 $ 310,000 $ 155,000 $ 110,000
Joplin, MO 2 $ 360,000 $ 180,000 $ 14,000
Kankakee, IL 2 $ 260,000 $ 130,000 $ 88,000
Kennewick-Richland, WA 2 $ 530,000 $ 265,000 $ 83,000
Lake Charles, LA 2 $ 420,000 $ 210,000 $ 0
Lawrence, KS 2 $ 370,000 $ 185,000 $ 129,000
Lexington-Fayette, KY 2 $ 440,000 $ 220,000 $ 80,000
Lincoln, NE 2 $ 440,000 $ 220,000 $ 129,000
Longview, TX 2 $ 250,000 $ 125,000 $ 67,000
Manhattan, KS 2 $ 580,000 $ 290,000 $ 100,000
Mankato-North Mankato, MN 2 $ 420,000 $ 210,000 $ 0
Mansfield, OH 2 $ 360,000 $ 180,000 $ 65,000
Midland, MI 2 $ 190,000 $ 95,000 $ 0
Monroe, MI 2 $ 400,000 $ 200,000 $ 141,000
Odessa, TX 2 $ 560,000 $ 280,000 $ 90,000
Owensboro, KY 2 $ 560,000 $ 280,000 $ 111,000
Parkersburg-Vienna, WV 2 $ 280,000 $ 140,000 $ 0
Pinehurst-Southern Pines, NC 2 $ 690,000 $ 345,000 $ 818,000
Pocatello, ID 2 $ 950,000 $ 475,000 $ 95,000
Saginaw, MI 2 $ 210,000 $ 105,000 $ 29,000
Santa Maria-Santa Barbara, CA 2 $ 1,070,000 $ 535,000 $ 133,000
Sioux Falls, SD 2 $ 880,000 $ 440,000 $ 205,000
Victoria, TX 2 $ 150,000 $ 75,000 $ 31,000
Weirton-Steubenville, WV-OH 2 $ 100,000 $ 50,000 $ 0
Wenatchee, WA 2 $ 470,000 $ 235,000 $ 94,000
Billings, MT 1 $ 95,000 $ 95,000 $ 0
Bloomington, IL 1 $ 175,000 $ 175,000 $ 0
Boulder, CO 1 $ 585,000 $ 585,000 $ 666,000
Bowling Green, KY 1 $ 195,000 $ 195,000 $ 81,000
Burlington, NC 1 $ 195,000 $ 195,000 $ 81,000
Carson City, NV 1 $ 295,000 $ 295,000 $ 110,000
Chico, CA 1 $ 515,000 $ 515,000 $ 182,000
Cleveland, TN 1 $ 95,000 $ 95,000 $ 186,000
College Station-Bryan, TX 1 $ 235,000 $ 235,000 $ 166,000
Dalton, GA 1 $ 205,000 $ 205,000 $ 0
Dothan, AL 1 $ 155,000 $ 155,000 $ 0
Eagle Pass, TX 1 $ 135,000 $ 135,000 $ 0
Elkhart-Goshen, IN 1 $ 125,000 $ 125,000 $ 48,000
Fairbanks, AK 1 $ 135,000 $ 135,000 $ 19,000
Florence-Muscle Shoals, AL 1 $ 25,000 $ 25,000 $ 43,000
Fond Du Lac, WI 1 $ 95,000 $ 95,000 $ 0
Grand Island, NE 1 $ 205,000 $ 205,000 $ 95,000
Grants Pass, OR 1 $ 315,000 $ 315,000 $ 90,000
Hanford-Corcoran, CA 1 $ 55,000 $ 55,000 $ 41,000
Helena, MT 1 $ 195,000 $ 195,000 $ 48,000
Kahului-Wailuku-Lahaina, HI 1 $ 465,000 $ 465,000 $ 83,000
Kokomo, IN 1 $ 35,000 $ 35,000 $ 0
La Crosse-Onalaska, WI-MN 1 $ 95,000 $ 95,000 $ 0
Lafayette-West Lafayette, IN 1 $ 35,000 $ 35,000 $ 71,000
Lawton, OK 1 $ 195,000 $ 195,000 $ 0
Lima, OH 1 $ 45,000 $ 45,000 $ 0
Logan, UT-ID 1 $ 335,000 $ 335,000 $ 58,000
Longview, WA 1 $ 365,000 $ 365,000 $ 0
Michigan City-La Porte, IN 1 $ 195,000 $ 195,000 $ 0
Mount Vernon-Anacortes, WA 1 $ 495,000 $ 495,000 $ 184,000
Oshkosh-Neenah, WI 1 $ 165,000 $ 165,000 $ 113,000
Rapid City, SD 1 $ 175,000 $ 175,000 $ 0
Rochester, MN 1 $ 145,000 $ 145,000 $ 0
Rocky Mount, NC 1 $ 315,000 $ 315,000 $ 71,000
San Angelo, TX 1 $ 175,000 $ 175,000 $ 0
San Juan-Carolina-Caguas, PR 1 $ 105,000 $ 105,000 $ 81,000
San Rafael, CA 1 $ 755,000 $ 755,000 $ 337,000
Sandusky, OH 1 $ 255,000 $ 255,000 $ 0
Santa Cruz-Watsonville, CA 1 $ 665,000 $ 665,000 $ 222,000
Santa Fe, NM 1 $ 645,000 $ 645,000 $ 234,000
Santa Rosa, CA 1 $ 455,000 $ 455,000 $ 181,000
Springfield, IL 1 $ 45,000 $ 45,000 $ 68,000
Springfield, OH 1 $ 75,000 $ 75,000 $ 54,000
St. George, UT 1 $ 205,000 $ 205,000 $ 0
Terre Haute, IN 1 $ 295,000 $ 295,000 $ 107,000
Waterloo-Cedar Falls, IA 1 $ 245,000 $ 245,000 $ 0
Wichita Falls, TX 1 $ 115,000 $ 115,000 $ 0

Mortgage Loan Application Detail Totals for M&T Bank in 2025

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 Improvement 13,310 $1,729,520,000 $129,000 $15,205,000 $137,000 $5,840,000
Home Purchase 11,526 $5,429,945,000 $471,000 $62,005,000 $226,000 $9,450,000
Refinancing 7,565 $2,436,265,000 $322,000 $51,005,000 $180,000 $5,840,000
Other Purpose 6,375 $935,065,000 $146,000 $12,395,000 $161,000 $8,270,000
Cash-out Refinancing 3,078 $877,440,000 $285,000 $5,655,000 $131,000 $9,428,000
Not Applicable 639 $82,425,000 $128,000 $605,000 $47,000 $165,000

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 25,849 $6,231,015,000 $241,000 $12,395,000 $171,000 $9,450,000
Black or African American 4,050 $667,200,000 $164,000 $2,605,000 $111,000 $4,895,000
Not Provided 3,760 $1,242,660,000 $330,000 $8,005,000 $231,000 $7,427,000
Hispanic 3,550 $719,530,000 $202,000 $3,005,000 $124,000 $4,836,000
Asian 2,918 $1,509,890,000 $517,000 $8,795,000 $246,000 $8,374,000
Not applicable 2,146 $1,071,435,000 $499,000 $62,005,000 $47,000 $165,000
American Indian or Alaskan Native 137 $33,865,000 $247,000 $1,205,000 $139,000 $1,000,000
Native Hawaiian or Other Pacific Islander 83 $15,065,000 $181,000 $1,105,000 $110,000 $397,000

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) 36,417 $9,899,100,000 $271,000 $62,005,000 $178,000 $9,450,000
FHA-insured (Federal Housing Administration) 4,632 $1,072,150,000 $231,000 $1,235,000 $97,000 $7,427,000
VA-guaranteed (Veterans Administration) 1,355 $507,745,000 $374,000 $2,335,000 $152,000 $2,158,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 89 $11,665,000 $131,000 $455,000 $77,000 $180,000

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 23,446 $7,262,195,000 $309,000 $62,005,000 $187,000 $9,428,000
Application Denied By Financial Institution 12,073 $2,077,055,000 $172,000 $3,735,000 $127,000 $8,270,000
Application Withdrawn By Applicant 3,274 $1,410,410,000 $430,000 $11,705,000 $223,000 $9,450,000
Loan Purchased By The Institution 1,896 $398,580,000 $210,000 $1,105,000 $47,000 $165,000
Application Approved But Not Accepted 1,126 $181,330,000 $161,000 $3,295,000 $136,000 $2,698,000
File Closed For Incompleteness 678 $161,090,000 $237,000 $5,005,000 $160,000 $3,542,000
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 30,420 $9,413,605,000 $309,000 $62,005,000 $188,000 $9,450,000
Debt-To-Income Ratio 4,478 $883,550,000 $197,000 $2,685,000 $81,000 $943,000
Credit History 4,107 $474,775,000 $115,000 $2,325,000 $130,000 $4,895,000
Collateral 1,689 $328,155,000 $194,000 $2,945,000 $194,000 $8,151,000
Other 1,414 $277,620,000 $196,000 $2,815,000 $184,000 $8,270,000
Unverifiable Information 148 $37,350,000 $252,000 $3,005,000 $148,000 $2,000,000
Credit Application Incomplete 87 $35,625,000 $409,000 $3,735,000 $126,000 $529,000
Employment History 75 $14,265,000 $190,000 $1,005,000 $153,000 $1,447,000
Insufficient Cash (Downpayment, Closing Cost) 75 $25,715,000 $342,000 $2,185,000 $163,000 $1,611,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into M&T Bank's 2025 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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