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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Buffalo-Niagara Falls, NY | 4,190 | $ 470,008,000 | $ 112,173 | $ 68,000 |
| Baltimore-Towson, MD | 3,198 | $ 654,074,000 | $ 204,525 | $ 88,000 |
| Rochester, NY | 1,990 | $ 269,748,000 | $ 135,551 | $ 67,000 |
| New York-White Plains-Wayne, NY-NJ | 1,981 | $ 1,276,752,000 | $ 644,498 | $ 88,525 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,760 | $ 561,457,000 | $ 319,009 | $ 83,291 |
| Portland-Vancouver-Hillsboro, OR-WA | 1,530 | $ 338,510,000 | $ 221,248 | $ 82,527 |
| Philadelphia, PA | 1,406 | $ 430,655,000 | $ 306,298 | $ 72,000 |
| Syracuse, NY | 1,297 | $ 126,425,000 | $ 97,474 | $ 59,000 |
| York-Hanover, PA | 1,006 | $ 136,672,000 | $ 135,856 | $ 75,000 |
| Albany-Schenectady-Troy, NY | 993 | $ 272,588,000 | $ 274,509 | $ 71,000 |
| Salt Lake City, UT | 986 | $ 220,112,000 | $ 223,237 | $ 83,000 |
| Seattle-Bellevue-Everett, WA | 985 | $ 290,210,000 | $ 294,629 | $ 96,000 |
| Denver-Aurora-Broomfield, CO | 900 | $ 210,891,000 | $ 234,323 | $ 94,000 |
| Wilmington, DE-MD-NJ | 805 | $ 138,826,000 | $ 172,454 | $ 78,355 |
| Bethesda-Rockville-Frederick, MD | 760 | $ 190,475,000 | $ 250,625 | $ 95,000 |
| Scranton--Wilkes-Barre, PA | 737 | $ 81,348,000 | $ 110,377 | $ 72,000 |
| Nassau-Suffolk, NY | 687 | $ 218,213,000 | $ 317,631 | $ 69,000 |
| Phoenix-Mesa-Glendale, AZ | 670 | $ 145,629,000 | $ 217,356 | $ 21,000 |
| Binghamton, NY | 623 | $ 60,601,000 | $ 97,272 | $ 70,000 |
| Utica-Rome, NY | 586 | $ 50,728,000 | $ 86,566 | $ 56,000 |
| Harrisburg-Carlisle, PA | 577 | $ 102,589,000 | $ 177,797 | $ 75,000 |
| Camden, NJ | 509 | $ 95,337,000 | $ 187,302 | $ 10,000 |
| Edison-New Brunswick, NJ | 494 | $ 146,098,000 | $ 295,744 | $ 57,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 491 | $ 93,089,000 | $ 189,590 | $ 85,000 |
| Riverside-San Bernardino-Ontario, CA | 458 | $ 119,058,000 | $ 259,951 | $ 3,000 |
| Chicago-Joliet-Naperville, IL | 456 | $ 88,749,000 | $ 194,625 | $ 2,000 |
| Ogden-Clearfield, UT | 380 | $ 79,784,000 | $ 209,957 | $ 70,000 |
| Altoona, PA | 338 | $ 29,485,000 | $ 87,233 | $ 70,000 |
| Newark-Union, NJ-PA | 337 | $ 95,929,000 | $ 284,655 | $ 42,290 |
| Hagerstown-Martinsburg, MD-WV | 309 | $ 40,601,000 | $ 131,394 | $ 55,660 |
| Cleveland-Elyria-Mentor, OH | 290 | $ 38,807,000 | $ 133,817 | $ 2,000 |
| Reading, PA | 288 | $ 39,628,000 | $ 137,597 | $ 57,000 |
| Orlando-Kissimmee-Sanford, FL | 285 | $ 56,174,000 | $ 197,101 | $ 3,000 |
| Las Vegas-Paradise, NV | 273 | $ 62,003,000 | $ 227,117 | $ 5,000 |
| Tacoma, WA | 271 | $ 59,662,000 | $ 220,154 | $ 68,000 |
| Richmond, VA | 261 | $ 83,944,000 | $ 321,624 | $ 52,000 |
| Atlanta-Sandy Springs-Marietta, GA | 255 | $ 44,194,000 | $ 173,309 | $ 6,000 |
| Provo-Orem, UT | 254 | $ 50,312,000 | $ 198,078 | $ 62,000 |
| Dover, DE | 251 | $ 25,592,000 | $ 101,960 | $ 57,000 |
| Lancaster, PA | 251 | $ 49,754,000 | $ 198,223 | $ 90,000 |
| Providence-New Bedford-Fall River, RI-MA | 248 | $ 49,685,000 | $ 200,342 | $ 30,350 |
| Los Angeles-Long Beach-Glendale, CA | 247 | $ 74,943,000 | $ 303,412 | $ 17,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 243 | $ 40,776,000 | $ 167,802 | $ 51,971 |
| Boston-Quincy, MA | 234 | $ 103,796,000 | $ 443,572 | $ 48,000 |
| Cincinnati-Middletown, OH-KY-IN | 229 | $ 35,823,000 | $ 156,432 | $ 25,205 |
| Hartford-West Hartford-East Hartford, CT | 226 | $ 58,265,000 | $ 257,809 | $ 35,000 |
| Columbus, OH | 222 | $ 33,631,000 | $ 151,490 | $ 8,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 213 | $ 38,951,000 | $ 182,868 | $ 1,187 |
| Warren-Troy-Farmington Hills, MI | 208 | $ 27,244,000 | $ 130,980 | $ 1,000 |
| Cumberland, MD-WV | 199 | $ 18,786,000 | $ 94,402 | $ 63,065 |
| Sacramento--Arden-Arcade--Roseville, CA | 198 | $ 50,952,000 | $ 257,333 | $ 2,000 |
| St. Louis, MO-IL | 197 | $ 29,977,000 | $ 152,167 | $ 939 |
| Bridgeport-Stamford-Norwalk, CT | 192 | $ 88,108,000 | $ 458,895 | $ 101,000 |
| Worcester, MA | 174 | $ 34,463,000 | $ 198,063 | $ 13,000 |
| State College, PA | 170 | $ 39,571,000 | $ 232,770 | $ 84,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 166 | $ 36,747,000 | $ 221,367 | $ 20,000 |
| Kingston, NY | 162 | $ 20,567,000 | $ 126,956 | $ 60,000 |
| Miami-Miami Beach-Kendall, FL | 162 | $ 35,281,000 | $ 217,783 | $ 21,000 |
| Tampa-St. Petersburg-Clearwater, FL | 161 | $ 29,840,000 | $ 185,341 | $ 7,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 156 | $ 34,298,000 | $ 219,858 | $ 27,538 |
| New Haven-Milford, CT | 148 | $ 29,835,000 | $ 201,587 | $ 41,000 |
| Cambridge-Newton-Framingham, MA | 144 | $ 45,561,000 | $ 316,395 | $ 27,000 |
| Louisville/Jefferson County, KY-IN | 141 | $ 22,861,000 | $ 162,134 | $ 28,141 |
| Peabody, MA | 138 | $ 33,671,000 | $ 243,992 | $ 26,000 |
| Pittsburgh, PA | 126 | $ 53,765,000 | $ 426,706 | $ 26,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 122 | $ 29,422,000 | $ 241,163 | $ 35,000 |
| Salem, OR | 121 | $ 23,539,000 | $ 194,537 | $ 60,000 |
| Atlantic City-Hammonton, NJ | 120 | $ 24,404,000 | $ 203,366 | $ 25,000 |
| Williamsport, PA | 113 | $ 9,822,000 | $ 86,920 | $ 60,000 |
| San Diego-Carlsbad-San Marcos, CA | 109 | $ 33,407,000 | $ 306,486 | $ 23,000 |
| Longview, WA | 107 | $ 19,970,000 | $ 186,635 | $ 74,000 |
| Glens Falls, NY | 102 | $ 13,510,000 | $ 132,450 | $ 90,000 |
| Detroit-Livonia-Dearborn, MI | 101 | $ 12,775,000 | $ 126,485 | $ 0 |
| Salisbury, MD | 100 | $ 8,708,000 | $ 87,080 | $ 51,000 |
| Eugene-Springfield, OR | 99 | $ 17,675,000 | $ 178,535 | $ 57,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 92 | $ 16,997,000 | $ 184,750 | $ 4,565 |
| Indianapolis-Carmel, IN | 92 | $ 11,536,000 | $ 125,391 | $ 3,000 |
| Lebanon, PA | 92 | $ 11,277,000 | $ 122,576 | $ 56,000 |
| Akron, OH | 91 | $ 11,156,000 | $ 122,593 | $ 1,000 |
| Erie, PA | 91 | $ 11,207,000 | $ 123,153 | $ 4,000 |
| New Orleans-Metairie-Kenner, LA | 91 | $ 15,350,000 | $ 168,681 | $ 7,000 |
| Boise City-Nampa, ID | 90 | $ 16,782,000 | $ 186,466 | $ 40,000 |
| Oakland-Fremont-Hayward, CA | 88 | $ 25,519,000 | $ 289,988 | $ 3,000 |
| Tucson, AZ | 85 | $ 17,926,000 | $ 210,894 | $ 23,000 |
| Logan, UT-ID | 84 | $ 16,360,000 | $ 194,761 | $ 61,440 |
| Cape Coral-Fort Myers, FL | 83 | $ 17,322,000 | $ 208,698 | $ 31,000 |
| Ithaca, NY | 82 | $ 21,596,000 | $ 263,365 | $ 66,000 |
| Rockingham County-Strafford County, NH | 82 | $ 17,982,000 | $ 219,292 | $ 17,000 |
| Jacksonville, FL | 81 | $ 21,210,000 | $ 261,851 | $ 3,000 |
| Portland-South Portland-Biddeford, ME | 81 | $ 17,506,000 | $ 216,123 | $ 20,000 |
| Manchester-Nashua, NH | 78 | $ 16,128,000 | $ 206,769 | $ 3,000 |
| Kansas City, MO-KS | 75 | $ 10,453,000 | $ 139,373 | $ 586 |
| Colorado Springs, CO | 74 | $ 15,367,000 | $ 207,662 | $ 51,000 |
| Kennewick-Pasco-Richland, WA | 73 | $ 14,458,000 | $ 198,054 | $ 96,000 |
| Boulder, CO | 70 | $ 18,991,000 | $ 271,300 | $ 104,000 |
| Lakeland-Winter Haven, FL | 70 | $ 10,328,000 | $ 147,542 | $ 1,000 |
| Stockton, CA | 66 | $ 16,190,000 | $ 245,303 | $ 1,000 |
| Bakersfield-Delano, CA | 65 | $ 14,143,000 | $ 217,584 | $ 1,000 |
| Bend, OR | 64 | $ 17,065,000 | $ 266,640 | $ 120,000 |
| Gary, IN | 60 | $ 8,144,000 | $ 135,733 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 59 | $ 9,499,000 | $ 161,000 | $ 3,000 |
| Ocean City, NJ | 58 | $ 18,135,000 | $ 312,672 | $ 162,000 |
| Medford, OR | 56 | $ 11,535,000 | $ 205,982 | $ 64,000 |
| San Antonio-New Braunfels, TX | 55 | $ 8,915,000 | $ 162,090 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 55 | $ 18,461,000 | $ 335,654 | $ 4,000 |
| Youngstown-Warren-Boardman, OH-PA | 53 | $ 5,131,000 | $ 96,811 | $ 7,566 |
| Fresno, CA | 51 | $ 11,671,000 | $ 228,843 | $ 3,000 |
| North Port-Bradenton-Sarasota, FL | 51 | $ 10,951,000 | $ 214,725 | $ 106,000 |
| Modesto, CA | 50 | $ 12,162,000 | $ 243,240 | $ 0 |
| Raleigh-Cary, NC | 50 | $ 9,399,000 | $ 187,980 | $ 8,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 49 | $ 8,731,000 | $ 178,183 | $ 0 |
| Bremerton-Silverdale, WA | 48 | $ 12,038,000 | $ 250,791 | $ 80,000 |
| Lexington-Fayette, KY | 48 | $ 7,726,000 | $ 160,958 | $ 2,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 48 | $ 8,531,000 | $ 177,729 | $ 7,000 |
| Canton-Massillon, OH | 47 | $ 5,445,000 | $ 115,851 | $ 2,000 |
| Olympia, WA | 47 | $ 10,536,000 | $ 224,170 | $ 54,000 |
| Springfield, MA | 45 | $ 7,914,000 | $ 175,866 | $ 24,000 |
| Greeley, CO | 42 | $ 8,599,000 | $ 204,738 | $ 52,000 |
| Vallejo-Fairfield, CA | 42 | $ 12,361,000 | $ 294,309 | $ 0 |
| Spokane, WA | 41 | $ 8,723,000 | $ 212,756 | $ 45,000 |
| St. George, UT | 41 | $ 7,903,000 | $ 192,756 | $ 87,000 |
| Trenton-Ewing, NJ | 41 | $ 9,785,000 | $ 238,658 | $ 35,000 |
| Fort Collins-Loveland, CO | 40 | $ 10,121,000 | $ 253,025 | $ 84,000 |
| Grand Rapids-Wyoming, MI | 40 | $ 5,611,000 | $ 140,275 | $ 0 |
| Naples-Marco Island, FL | 40 | $ 13,641,000 | $ 341,025 | $ 138,000 |
| Vineland-Millville-Bridgeton, NJ | 38 | $ 6,032,000 | $ 158,736 | $ 1,000 |
| Port St. Lucie, FL | 37 | $ 7,470,000 | $ 201,891 | $ 10,000 |
| Flint, MI | 36 | $ 3,498,000 | $ 97,166 | $ 0 |
| Elmira, NY | 35 | $ 2,496,000 | $ 71,314 | $ 40,000 |
| Yakima, WA | 35 | $ 6,741,000 | $ 192,600 | $ 58,000 |
| Charleston-North Charleston-Summerville, SC | 34 | $ 6,703,000 | $ 197,147 | $ 33,000 |
| Visalia-Porterville, CA | 33 | $ 6,740,000 | $ 204,242 | $ 2,000 |
| Dallas-Plano-Irving, TX | 31 | $ 4,619,000 | $ 149,000 | $ 4,000 |
| Johnstown, PA | 31 | $ 2,060,000 | $ 66,451 | $ 38,000 |
| Memphis, TN-MS-AR | 31 | $ 4,891,000 | $ 157,774 | $ 3,548 |
| Baton Rouge, LA | 29 | $ 4,633,000 | $ 159,758 | $ 8,000 |
| Dayton, OH | 29 | $ 3,936,000 | $ 135,724 | $ 8,000 |
| Lake County-Kenosha County, IL-WI | 29 | $ 5,229,000 | $ 180,310 | $ 4,655 |
| Idaho Falls, ID | 28 | $ 5,282,000 | $ 188,642 | $ 71,000 |
| Norwich-New London, CT | 28 | $ 4,896,000 | $ 174,857 | $ 21,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 27 | $ 8,449,000 | $ 312,925 | $ 0 |
| Reno-Sparks, NV | 27 | $ 6,796,000 | $ 251,703 | $ 2,000 |
| Albuquerque, NM | 25 | $ 4,436,000 | $ 177,440 | $ 24,000 |
| Winchester, VA-WV | 25 | $ 3,804,000 | $ 152,160 | $ 48,960 |
| Gainesville, FL | 24 | $ 3,814,000 | $ 158,916 | $ 0 |
| Prescott, AZ | 24 | $ 5,485,000 | $ 228,541 | $ 6,000 |
| Bellingham, WA | 23 | $ 5,750,000 | $ 250,000 | $ 68,000 |
| Coeur D'Alene, ID | 23 | $ 4,824,000 | $ 209,739 | $ 56,000 |
| Milwaukee-Waukesha-West Allis, WI | 23 | $ 3,553,000 | $ 154,478 | $ 1,000 |
| Toledo, OH | 23 | $ 2,761,000 | $ 120,043 | $ 0 |
| Lewiston-Auburn, ME | 22 | $ 3,296,000 | $ 149,818 | $ 2,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 22 | $ 6,461,000 | $ 293,681 | $ 8,000 |
| Grand Junction, CO | 21 | $ 4,229,000 | $ 201,380 | $ 39,000 |
| Lake Havasu City-Kingman, AZ | 21 | $ 4,640,000 | $ 220,952 | $ 71,000 |
| Pueblo, CO | 21 | $ 4,767,000 | $ 227,000 | $ 101,000 |
| Charleston, WV | 20 | $ 2,369,000 | $ 118,450 | $ 9,000 |
| Corvallis, OR | 20 | $ 4,285,000 | $ 214,250 | $ 83,000 |
| Fort Worth-Arlington, TX | 20 | $ 2,559,000 | $ 127,950 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 20 | $ 3,649,000 | $ 182,450 | $ 0 |
| Punta Gorda, FL | 20 | $ 3,466,000 | $ 173,300 | $ 41,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 19 | $ 3,644,000 | $ 191,789 | $ 12,000 |
| Barnstable Town, MA | 18 | $ 5,775,000 | $ 320,833 | $ 71,000 |
| Evansville, IN-KY | 18 | $ 2,214,000 | $ 123,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 6,221,000 | $ 345,611 | $ 13,000 |
| Santa Rosa-Petaluma, CA | 18 | $ 6,146,000 | $ 341,444 | $ 0 |
| Columbia, SC | 16 | $ 2,147,000 | $ 134,187 | $ 0 |
| Durham-Chapel Hill, NC | 16 | $ 2,687,000 | $ 167,937 | $ 3,000 |
| Lansing-East Lansing, MI | 16 | $ 2,566,000 | $ 160,375 | $ 0 |
| Mobile, AL | 16 | $ 1,698,000 | $ 106,125 | $ 4,000 |
| Oklahoma City, OK | 16 | $ 2,287,000 | $ 142,937 | $ 17,000 |
| Salinas, CA | 16 | $ 4,490,000 | $ 280,625 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 16 | $ 11,525,000 | $ 720,312 | $ 260,000 |
| Bangor, ME | 15 | $ 2,319,000 | $ 154,600 | $ 24,000 |
| Birmingham-Hoover, AL | 15 | $ 2,270,000 | $ 151,333 | $ 0 |
| Chattanooga, TN-GA | 15 | $ 2,195,000 | $ 146,333 | $ 5,000 |
| Montgomery, AL | 15 | $ 1,938,000 | $ 129,200 | $ 0 |
| Wichita, KS | 15 | $ 1,483,000 | $ 98,866 | $ 0 |
| Yuba City, CA | 15 | $ 2,782,000 | $ 185,466 | $ 0 |
| Flagstaff, AZ | 14 | $ 3,854,000 | $ 275,285 | $ 28,000 |
| Lynchburg, VA | 14 | $ 2,704,000 | $ 193,142 | $ 20,000 |
| Yuma, AZ | 14 | $ 2,642,000 | $ 188,714 | $ 20,000 |
| Lafayette, LA | 13 | $ 2,196,000 | $ 168,923 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 13 | $ 5,277,000 | $ 405,923 | $ 4,000 |
| Charlottesville, VA | 12 | $ 3,167,000 | $ 263,916 | $ 32,000 |
| Des Moines-West Des Moines, IA | 12 | $ 1,721,000 | $ 143,416 | $ 8,000 |
| Fayetteville, NC | 12 | $ 1,785,000 | $ 148,750 | $ 0 |
| Greensboro-High Point, NC | 12 | $ 2,338,000 | $ 194,833 | $ 0 |
| Roanoke, VA | 12 | $ 1,968,000 | $ 164,000 | $ 14,000 |
| Saginaw-Saginaw Township North, MI | 12 | $ 1,128,000 | $ 94,000 | $ 0 |
| Wenatchee-East Wenatchee, WA | 12 | $ 2,551,000 | $ 212,583 | $ 110,000 |
| Wilmington, NC | 12 | $ 2,231,000 | $ 185,916 | $ 7,000 |
| Crestview-Fort Walton Beach-Destin, FL | 11 | $ 1,816,000 | $ 165,090 | $ 0 |
| McAllen-Edinburg-Mission, TX | 11 | $ 1,230,000 | $ 111,818 | $ 0 |
| Ocala, FL | 11 | $ 1,706,000 | $ 155,090 | $ 0 |
| Redding, CA | 11 | $ 2,542,000 | $ 231,090 | $ 0 |
| Winston-Salem, NC | 11 | $ 1,588,000 | $ 144,363 | $ 0 |
| Ann Arbor, MI | 10 | $ 1,525,000 | $ 152,500 | $ 5,000 |
| Bowling Green, KY | 10 | $ 1,521,000 | $ 152,100 | $ 11,000 |
| El Centro, CA | 10 | $ 1,860,000 | $ 186,000 | $ 0 |
| Fort Wayne, IN | 10 | $ 1,349,000 | $ 134,900 | $ 0 |
| Jackson, MS | 10 | $ 1,426,000 | $ 142,600 | $ 0 |
| Lima, OH | 10 | $ 854,000 | $ 85,400 | $ 0 |
| Merced, CA | 10 | $ 2,235,000 | $ 223,500 | $ 0 |
| Mount Vernon-Anacortes, WA | 10 | $ 1,921,000 | $ 192,100 | $ 65,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 1,415,000 | $ 157,222 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 9 | $ 1,151,000 | $ 127,888 | $ 22,333 |
| Knoxville, TN | 9 | $ 1,933,000 | $ 214,777 | $ 8,000 |
| Anderson, IN | 8 | $ 817,000 | $ 102,125 | $ 0 |
| Augusta-Richmond County, GA-SC | 8 | $ 1,107,000 | $ 138,375 | $ 10,625 |
| Austin-Round Rock-San Marcos, TX | 8 | $ 1,397,000 | $ 174,625 | $ 0 |
| Beaumont-Port Arthur, TX | 8 | $ 860,000 | $ 107,500 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 1,615,000 | $ 201,875 | $ 24,000 |
| Cheyenne, WY | 8 | $ 1,167,000 | $ 145,875 | $ 63,000 |
| Corpus Christi, TX | 8 | $ 1,452,000 | $ 181,500 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 8 | $ 1,162,000 | $ 145,250 | $ 0 |
| Greenville-Mauldin-Easley, SC | 8 | $ 1,719,000 | $ 214,875 | $ 45,000 |
| Hanford-Corcoran, CA | 8 | $ 1,626,000 | $ 203,250 | $ 0 |
| Sebastian-Vero Beach, FL | 8 | $ 2,400,000 | $ 300,000 | $ 0 |
| Shreveport-Bossier City, LA | 8 | $ 1,430,000 | $ 178,750 | $ 15,000 |
| Springfield, MO | 8 | $ 1,063,000 | $ 132,875 | $ 0 |
| Columbus, GA-AL | 7 | $ 1,456,000 | $ 208,000 | $ 24,000 |
| Danville, VA | 7 | $ 1,065,000 | $ 152,142 | $ 19,000 |
| Gulfport-Biloxi, MS | 7 | $ 3,385,000 | $ 483,571 | $ 0 |
| Jacksonville, NC | 7 | $ 1,420,000 | $ 202,857 | $ 0 |
| Lincoln, NE | 7 | $ 841,000 | $ 120,142 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 7 | $ 1,549,000 | $ 221,285 | $ 37,000 |
| Morgantown, WV | 7 | $ 456,000 | $ 65,142 | $ 84,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 2,390,000 | $ 341,428 | $ 0 |
| Santa Fe, NM | 7 | $ 1,203,000 | $ 171,857 | $ 57,000 |
| Savannah, GA | 7 | $ 818,000 | $ 116,857 | $ 19,000 |
| Topeka, KS | 7 | $ 923,000 | $ 131,857 | $ 24,000 |
| Chico, CA | 6 | $ 1,495,000 | $ 249,166 | $ 0 |
| Honolulu, HI | 6 | $ 1,790,000 | $ 298,333 | $ 20,000 |
| Madera-Chowchilla, CA | 6 | $ 1,063,000 | $ 177,166 | $ 5,000 |
| Madison, WI | 6 | $ 1,067,000 | $ 177,833 | $ 10,000 |
| Palm Coast, FL | 6 | $ 1,150,000 | $ 191,666 | $ 14,000 |
| Sandusky, OH | 6 | $ 428,000 | $ 71,333 | $ 0 |
| Springfield, OH | 6 | $ 955,000 | $ 159,166 | $ 0 |
| Tulsa, OK | 6 | $ 909,000 | $ 151,500 | $ 17,000 |
| Anderson, SC | 5 | $ 885,000 | $ 177,000 | $ 0 |
| Asheville, NC | 5 | $ 721,000 | $ 144,200 | $ 0 |
| Burlington, NC | 5 | $ 785,000 | $ 157,000 | $ 0 |
| Elkhart-Goshen, IN | 5 | $ 466,000 | $ 93,200 | $ 23,000 |
| Kalamazoo-Portage, MI | 5 | $ 590,000 | $ 118,000 | $ 0 |
| Lafayette, IN | 5 | $ 499,000 | $ 99,800 | $ 0 |
| Napa, CA | 5 | $ 1,597,000 | $ 319,400 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 5 | $ 420,000 | $ 84,000 | $ 28,200 |
| Pittsfield, MA | 5 | $ 1,842,000 | $ 368,400 | $ 212,000 |
| Rockford, IL | 5 | $ 467,000 | $ 93,400 | $ 0 |
| Santa Cruz-Watsonville, CA | 5 | $ 1,754,000 | $ 350,800 | $ 0 |
| South Bend-Mishawaka, IN-MI | 5 | $ 638,000 | $ 127,600 | $ 0 |
| Spartanburg, SC | 5 | $ 608,000 | $ 121,600 | $ 0 |
| Tallahassee, FL | 5 | $ 812,000 | $ 162,400 | $ 23,000 |
| Auburn-Opelika, AL | 4 | $ 795,000 | $ 198,750 | $ 17,000 |
| Bloomington, IN | 4 | $ 538,000 | $ 134,500 | $ 0 |
| Cape Girardeau-Jackson, MO-IL | 4 | $ 511,000 | $ 127,750 | $ 0 |
| Clarksville, TN-KY | 4 | $ 569,000 | $ 142,250 | $ 15,000 |
| Gainesville, GA | 4 | $ 793,000 | $ 198,250 | $ 0 |
| Green Bay, WI | 4 | $ 638,000 | $ 159,500 | $ 13,000 |
| Holland-Grand Haven, MI | 4 | $ 448,000 | $ 112,000 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 643,000 | $ 160,750 | $ 0 |
| Jefferson City, MO | 4 | $ 588,000 | $ 147,000 | $ 0 |
| Muskegon-Norton Shores, MI | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 4 | $ 634,000 | $ 158,500 | $ 0 |
| Peoria, IL | 4 | $ 409,000 | $ 102,250 | $ 0 |
| Springfield, IL | 4 | $ 473,000 | $ 118,250 | $ 0 |
| St. Cloud, MN | 4 | $ 685,000 | $ 171,250 | $ 0 |
| Athens-Clarke County, GA | 3 | $ 405,000 | $ 135,000 | $ 29,000 |
| Bay City, MI | 3 | $ 343,000 | $ 114,333 | $ 0 |
| Billings, MT | 3 | $ 701,000 | $ 233,666 | $ 65,000 |
| Bloomington-Normal, IL | 3 | $ 924,000 | $ 308,000 | $ 0 |
| Casper, WY | 3 | $ 486,000 | $ 162,000 | $ 53,000 |
| El Paso, TX | 3 | $ 408,000 | $ 136,000 | $ 0 |
| Elizabethtown, KY | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Fort Smith, AR-OK | 3 | $ 337,000 | $ 112,333 | $ 0 |
| Goldsboro, NC | 3 | $ 408,000 | $ 136,000 | $ 21,000 |
| Harrisonburg, VA | 3 | $ 981,000 | $ 327,000 | $ 109,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 407,000 | $ 135,666 | $ 0 |
| Janesville, WI | 3 | $ 416,000 | $ 138,666 | $ 0 |
| Laredo, TX | 3 | $ 548,000 | $ 182,666 | $ 0 |
| Lewiston, ID-WA | 3 | $ 596,000 | $ 198,666 | $ 32,000 |
| Mansfield, OH | 3 | $ 424,000 | $ 141,333 | $ 0 |
| Monroe, MI | 3 | $ 392,000 | $ 130,666 | $ 0 |
| Muncie, IN | 3 | $ 256,000 | $ 85,333 | $ 0 |
| Pascagoula, MS | 3 | $ 400,000 | $ 133,333 | $ 0 |
| Pocatello, ID | 3 | $ 585,000 | $ 195,000 | $ 90,000 |
| Tuscaloosa, AL | 3 | $ 754,000 | $ 251,333 | $ 0 |
| Wheeling, WV-OH | 3 | $ 115,000 | $ 38,333 | $ 14,666 |
| Ames, IA | 2 | $ 257,000 | $ 128,500 | $ 0 |
| Anchorage, AK | 2 | $ 402,000 | $ 201,000 | $ 40,000 |
| Brownsville-Harlingen, TX | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Brunswick, GA | 2 | $ 1,066,000 | $ 533,000 | $ 475,000 |
| Burlington-South Burlington, VT | 2 | $ 280,000 | $ 140,000 | $ 835,000 |
| Columbia, MO | 2 | $ 325,000 | $ 162,500 | $ 0 |
| Columbus, IN | 2 | $ 402,000 | $ 201,000 | $ 0 |
| Dalton, GA | 2 | $ 208,000 | $ 104,000 | $ 0 |
| Decatur, IL | 2 | $ 187,000 | $ 93,500 | $ 0 |
| Duluth, MN-WI | 2 | $ 213,000 | $ 106,500 | $ 0 |
| Eau Claire, WI | 2 | $ 225,000 | $ 112,500 | $ 0 |
| Fairbanks, AK | 2 | $ 353,000 | $ 176,500 | $ 49,000 |
| Greenville, NC | 2 | $ 351,000 | $ 175,500 | $ 25,000 |
| Hattiesburg, MS | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Huntsville, AL | 2 | $ 271,000 | $ 135,500 | $ 0 |
| Jackson, MI | 2 | $ 225,000 | $ 112,500 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 417,000 | $ 208,500 | $ 0 |
| Lawrence, KS | 2 | $ 277,000 | $ 138,500 | $ 0 |
| Manhattan, KS | 2 | $ 237,000 | $ 118,500 | $ 0 |
| Mankato-North Mankato, MN | 2 | $ 262,000 | $ 131,000 | $ 0 |
| Monroe, LA | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Niles-Benton Harbor, MI | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Racine, WI | 2 | $ 409,000 | $ 204,500 | $ 0 |
| Rome, GA | 2 | $ 254,000 | $ 127,000 | $ 0 |
| St. Joseph, MO-KS | 2 | $ 331,000 | $ 165,500 | $ 0 |
| Valdosta, GA | 2 | $ 211,000 | $ 105,500 | $ 25,000 |
| Waco, TX | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Wichita Falls, TX | 2 | $ 179,000 | $ 89,500 | $ 0 |
| Albany, GA | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Appleton, WI | 1 | $ 122,000 | $ 122,000 | $ 55,000 |
| Battle Creek, MI | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Decatur, AL | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Farmington, NM | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Hinesville-Fort Stewart, GA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hot Springs, AR | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Jonesboro, AR | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Joplin, MO | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Kokomo, IN | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Lake Charles, LA | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Las Cruces, NM | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Lubbock, TX | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Macon, GA | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Morristown, TN | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Owensboro, KY | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Rapid City, SD | 1 | $ 113,000 | $ 113,000 | $ 59,000 |
| Rochester, MN | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Steubenville-Weirton, OH-WV | 1 | $ 3,000 | $ 3,000 | $ 35,000 |
| Victoria, TX | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Warner Robins, GA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Wausau, WI | 1 | $ 101,000 | $ 101,000 | $ 91,000 |
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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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