M&T Bank Mortgage Lending & HMDA Data, 2015
In 2015, M&T Bank of Buffalo, NY reported 35,496 mortgage applications totaling $9.0 billion, up 9% from 2014. The average application was for $253,904, and applicants reported an average income of $67,769. 55% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (3,697), Baltimore-Columbia-Towson, MD (2,429) and New York-Jersey City-White Plains, NY-NJ (2,245) (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 | 35,496 |
| Total Mortgage Loan Application Amount | $9,012,610,000 |
| Average Mortgage Loan Application Amount | $253,904 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $67,769 |
| Highest Applicant Income | $9,999,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Cheektowaga-Niagara Falls, NY | 3,697 | $ 437,167,000 | $ 118,249 | $ 66,000 |
| Baltimore-Columbia-Towson, MD | 2,429 | $ 395,832,000 | $ 162,960 | $ 78,000 |
| New York-Jersey City-White Plains, NY-NJ | 2,245 | $ 1,930,206,000 | $ 859,779 | $ 111,640 |
| Rochester, NY | 1,618 | $ 232,740,000 | $ 143,844 | $ 63,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,215 | $ 521,753,000 | $ 429,426 | $ 101,939 |
| Portland-Vancouver-Hillsboro, OR-WA | 1,143 | $ 310,390,000 | $ 271,557 | $ 36,424 |
| Syracuse, NY | 882 | $ 117,905,000 | $ 133,679 | $ 76,000 |
| Salt Lake City, UT | 863 | $ 201,528,000 | $ 233,520 | $ 39,000 |
| Nassau County-Suffolk County, NY | 826 | $ 256,595,000 | $ 310,647 | $ 99,000 |
| Phoenix-Mesa-Scottsdale, AZ | 743 | $ 175,311,000 | $ 235,950 | $ 7,000 |
| York-Hanover, PA | 592 | $ 67,955,000 | $ 114,788 | $ 67,000 |
| Wilmington, DE-MD-NJ | 531 | $ 110,878,000 | $ 208,809 | $ 88,563 |
| Seattle-Bellevue-Everett, WA | 511 | $ 273,681,000 | $ 535,579 | $ 92,000 |
| Albany-Schenectady-Troy, NY | 505 | $ 178,186,000 | $ 352,843 | $ 71,000 |
| Silver Spring-Frederick-Rockville, MD | 501 | $ 226,617,000 | $ 452,329 | $ 99,000 |
| Provo-Orem, UT | 498 | $ 108,284,000 | $ 217,437 | $ 28,000 |
| Newark, NJ-PA | 457 | $ 140,515,000 | $ 307,472 | $ 92,468 |
| Salisbury, MD-DE | 455 | $ 68,218,000 | $ 149,929 | $ 108,107 |
| Binghamton, NY | 446 | $ 36,060,000 | $ 80,852 | $ 62,000 |
| Philadelphia, PA | 395 | $ 232,661,000 | $ 589,015 | $ 76,000 |
| Hartford-West Hartford-East Hartford, CT | 385 | $ 132,621,000 | $ 344,470 | $ 49,000 |
| Denver-Aurora-Lakewood, CO | 356 | $ 88,734,000 | $ 249,252 | $ 90,000 |
| Montgomery County-Bucks County-Chester County, PA | 345 | $ 159,868,000 | $ 463,385 | $ 114,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 335 | $ 29,872,000 | $ 89,170 | $ 66,000 |
| Utica-Rome, NY | 315 | $ 33,627,000 | $ 106,752 | $ 59,000 |
| Richmond, VA | 305 | $ 80,305,000 | $ 263,295 | $ 105,000 |
| Camden, NJ | 259 | $ 59,250,000 | $ 228,764 | $ 61,000 |
| Bridgeport-Stamford-Norwalk, CT | 241 | $ 132,270,000 | $ 548,838 | $ 137,000 |
| Harrisburg-Carlisle, PA | 240 | $ 34,007,000 | $ 141,695 | $ 55,000 |
| Chicago-Naperville-Arlington Heights, IL | 236 | $ 45,374,000 | $ 192,262 | $ 49,000 |
| Atlanta-Sandy Springs-Roswell, GA | 218 | $ 44,615,000 | $ 204,655 | $ 36,000 |
| Dutchess County-Putnam County, NY | 215 | $ 40,872,000 | $ 190,102 | $ 103,000 |
| Hagerstown-Martinsburg, MD-WV | 203 | $ 20,339,000 | $ 100,192 | $ 64,714 |
| Dover, DE | 200 | $ 21,014,000 | $ 105,070 | $ 72,000 |
| Altoona, PA | 187 | $ 9,137,000 | $ 48,860 | $ 64,000 |
| New Haven-Milford, CT | 178 | $ 39,317,000 | $ 220,882 | $ 67,000 |
| St. George, UT | 172 | $ 36,702,000 | $ 213,383 | $ 19,000 |
| Houston-The Woodlands-Sugar Land, TX | 170 | $ 20,875,000 | $ 122,794 | $ 29,000 |
| Cleveland-Elyria, OH | 169 | $ 41,721,000 | $ 246,869 | $ 48,000 |
| Reading, PA | 165 | $ 15,010,000 | $ 90,969 | $ 63,000 |
| Chambersburg-Waynesboro, PA | 156 | $ 15,734,000 | $ 100,858 | $ 61,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 156 | $ 52,337,000 | $ 335,493 | $ 49,269 |
| Ogden-Clearfield, UT | 149 | $ 33,522,000 | $ 224,979 | $ 49,000 |
| Las Vegas-Henderson-Paradise, NV | 135 | $ 24,214,000 | $ 179,362 | $ 95,000 |
| Cambridge-Newton-Framingham, MA | 132 | $ 77,322,000 | $ 585,772 | $ 71,000 |
| Lancaster, PA | 126 | $ 66,874,000 | $ 530,746 | $ 103,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 121 | $ 38,728,000 | $ 320,066 | $ 54,743 |
| Warren-Troy-Farmington Hills, MI | 120 | $ 15,995,000 | $ 133,291 | $ 49,000 |
| Riverside-San Bernardino-Ontario, CA | 114 | $ 21,167,000 | $ 185,675 | $ 37,000 |
| Kingston, NY | 113 | $ 12,311,000 | $ 108,946 | $ 64,000 |
| Tacoma-Lakewood, WA | 113 | $ 27,753,000 | $ 245,601 | $ 54,000 |
| Providence-Warwick, RI-MA | 104 | $ 21,886,000 | $ 210,442 | $ 44,778 |
| St. Louis, MO-IL | 103 | $ 13,220,000 | $ 128,349 | $ 31,155 |
| Tampa-St. Petersburg-Clearwater, FL | 100 | $ 15,094,000 | $ 150,940 | $ 44,000 |
| Cumberland, MD-WV | 98 | $ 5,926,000 | $ 60,469 | $ 63,000 |
| Worcester, MA-CT | 98 | $ 16,899,000 | $ 172,438 | $ 37,142 |
| Dallas-Plano-Irving, TX | 96 | $ 11,505,000 | $ 119,843 | $ 21,000 |
| Los Angeles-Long Beach-Glendale, CA | 96 | $ 25,883,000 | $ 269,614 | $ 50,000 |
| Miami-Miami Beach-Kendall, FL | 95 | $ 20,433,000 | $ 215,084 | $ 65,000 |
| Boston, MA | 92 | $ 60,696,000 | $ 659,739 | $ 75,000 |
| Pittsburgh, PA | 90 | $ 11,830,000 | $ 131,444 | $ 34,000 |
| Charlotte-Concord-Gastonia, NC-SC | 87 | $ 13,321,000 | $ 153,114 | $ 39,252 |
| Columbus, OH | 83 | $ 10,996,000 | $ 132,481 | $ 26,000 |
| Gettysburg, PA | 82 | $ 12,750,000 | $ 155,487 | $ 84,000 |
| Bend-Redmond, OR | 80 | $ 17,180,000 | $ 214,750 | $ 10,000 |
| Trenton, NJ | 79 | $ 14,844,000 | $ 187,898 | $ 71,000 |
| Cincinnati, OH-KY-IN | 72 | $ 9,565,000 | $ 132,847 | $ 32,736 |
| San Antonio-New Braunfels, TX | 72 | $ 9,989,000 | $ 138,736 | $ 22,000 |
| State College, PA | 68 | $ 11,179,000 | $ 164,397 | $ 61,000 |
| Detroit-Dearborn-Livonia, MI | 67 | $ 7,479,000 | $ 111,626 | $ 32,000 |
| Orlando-Kissimmee-Sanford, FL | 67 | $ 43,596,000 | $ 650,686 | $ 31,000 |
| Prescott, AZ | 67 | $ 15,471,000 | $ 230,910 | $ 3,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 66 | $ 12,611,000 | $ 191,075 | $ 74,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 64 | $ 26,139,000 | $ 408,421 | $ 225,000 |
| Springfield, MA | 63 | $ 31,424,000 | $ 498,793 | $ 38,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 62 | $ 11,609,000 | $ 187,241 | $ 44,274 |
| Spokane-Spokane Valley, WA | 61 | $ 10,863,000 | $ 178,081 | $ 6,000 |
| Erie, PA | 60 | $ 7,858,000 | $ 130,966 | $ 53,000 |
| Kansas City, MO-KS | 58 | $ 7,479,000 | $ 128,948 | $ 28,551 |
| Williamsport, PA | 56 | $ 4,858,000 | $ 86,750 | $ 66,000 |
| Eugene, OR | 54 | $ 10,500,000 | $ 194,444 | $ 16,000 |
| Portland-South Portland, ME | 54 | $ 10,275,000 | $ 190,277 | $ 55,000 |
| New Orleans-Metairie, LA | 51 | $ 7,631,000 | $ 149,627 | $ 23,000 |
| Watertown-Fort Drum, NY | 51 | $ 7,229,000 | $ 141,745 | $ 84,000 |
| Akron, OH | 50 | $ 6,190,000 | $ 123,800 | $ 29,000 |
| Glens Falls, NY | 49 | $ 29,063,000 | $ 593,122 | $ 58,000 |
| Indianapolis-Carmel-Anderson, IN | 49 | $ 5,179,000 | $ 105,693 | $ 11,000 |
| Yakima, WA | 48 | $ 8,543,000 | $ 177,979 | $ 15,000 |
| East Stroudsburg, PA | 47 | $ 5,388,000 | $ 114,638 | $ 72,000 |
| Bloomsburg-Berwick, PA | 45 | $ 3,495,000 | $ 77,666 | $ 59,000 |
| Fort Worth-Arlington, TX | 45 | $ 5,250,000 | $ 116,666 | $ 23,000 |
| Atlantic City-Hammonton, NJ | 43 | $ 9,104,000 | $ 211,720 | $ 88,000 |
| Lebanon, PA | 42 | $ 4,506,000 | $ 107,285 | $ 52,000 |
| Olympia-Tumwater, WA | 42 | $ 8,810,000 | $ 209,761 | $ 52,000 |
| Ithaca, NY | 41 | $ 8,075,000 | $ 196,951 | $ 83,000 |
| Kennewick-Richland, WA | 40 | $ 9,867,000 | $ 246,675 | $ 14,000 |
| Salem, OR | 39 | $ 8,350,000 | $ 214,102 | $ 46,000 |
| San Diego-Carlsbad, CA | 39 | $ 13,819,000 | $ 354,333 | $ 74,000 |
| Longview, WA | 38 | $ 8,311,000 | $ 218,710 | $ 57,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 38 | $ 8,265,000 | $ 217,500 | $ 44,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 37 | $ 6,260,000 | $ 169,189 | $ 45,000 |
| Albuquerque, NM | 36 | $ 4,702,000 | $ 130,611 | $ 30,000 |
| Jacksonville, FL | 35 | $ 9,899,000 | $ 282,828 | $ 43,000 |
| Columbia, SC | 34 | $ 4,187,000 | $ 123,147 | $ 14,000 |
| Bakersfield, CA | 33 | $ 5,415,000 | $ 164,090 | $ 41,000 |
| Oklahoma City, OK | 32 | $ 4,071,000 | $ 127,218 | $ 26,000 |
| Charleston-North Charleston, SC | 31 | $ 5,229,000 | $ 168,677 | $ 67,000 |
| Flint, MI | 31 | $ 2,688,000 | $ 86,709 | $ 42,000 |
| Elmira, NY | 30 | $ 2,741,000 | $ 91,366 | $ 57,000 |
| Rockingham County-Strafford County, NH | 29 | $ 7,246,000 | $ 249,862 | $ 81,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 28 | $ 4,002,000 | $ 142,928 | $ 38,000 |
| Austin-Round Rock, TX | 27 | $ 3,407,000 | $ 126,185 | $ 31,000 |
| Louisville/Jefferson County, KY-IN | 27 | $ 2,879,000 | $ 106,629 | $ 20,333 |
| Manchester-Nashua, NH | 27 | $ 5,147,000 | $ 190,629 | $ 59,000 |
| Memphis, TN-MS-AR | 27 | $ 3,195,000 | $ 118,333 | $ 19,666 |
| Vineland-Bridgeton, NJ | 27 | $ 4,699,000 | $ 174,037 | $ 176,000 |
| North Port-Sarasota-Bradenton, FL | 26 | $ 7,439,000 | $ 286,115 | $ 188,000 |
| Cape Coral-Fort Myers, FL | 24 | $ 6,029,000 | $ 251,208 | $ 164,000 |
| Dayton, OH | 24 | $ 2,766,000 | $ 115,250 | $ 20,000 |
| Milwaukee-Waukesha-West Allis, WI | 24 | $ 3,707,000 | $ 154,458 | $ 19,000 |
| Greensboro-High Point, NC | 23 | $ 2,776,000 | $ 120,695 | $ 12,000 |
| Norwich-New London, CT | 23 | $ 4,277,000 | $ 185,956 | $ 43,000 |
| Fresno, CA | 22 | $ 4,200,000 | $ 190,909 | $ 37,000 |
| Montgomery, AL | 22 | $ 3,205,000 | $ 145,681 | $ 6,000 |
| Oakland-Hayward-Berkeley, CA | 22 | $ 7,279,000 | $ 330,863 | $ 80,000 |
| Ocean City, NJ | 22 | $ 11,062,000 | $ 502,818 | $ 332,000 |
| Stockton-Lodi, CA | 22 | $ 4,554,000 | $ 207,000 | $ 36,000 |
| Idaho Falls, ID | 21 | $ 3,196,000 | $ 152,190 | $ 32,000 |
| Raleigh, NC | 21 | $ 3,334,000 | $ 158,761 | $ 20,000 |
| Savannah, GA | 21 | $ 3,996,000 | $ 190,285 | $ 48,000 |
| Winchester, VA-WV | 21 | $ 3,484,000 | $ 165,904 | $ 74,857 |
| Boise City, ID | 20 | $ 3,191,000 | $ 159,550 | $ 42,000 |
| Colorado Springs, CO | 20 | $ 3,208,000 | $ 160,400 | $ 56,000 |
| Springfield, MO | 20 | $ 2,198,000 | $ 109,900 | $ 15,000 |
| Tucson, AZ | 20 | $ 2,545,000 | $ 127,250 | $ 3,000 |
| Lake County-Kenosha County, IL-WI | 19 | $ 3,120,000 | $ 164,210 | $ 27,315 |
| Lakeland-Winter Haven, FL | 19 | $ 7,851,000 | $ 413,210 | $ 24,000 |
| Logan, UT-ID | 19 | $ 3,816,000 | $ 200,842 | $ 44,736 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 19 | $ 2,567,000 | $ 135,105 | $ 61,263 |
| Palm Bay-Melbourne-Titusville, FL | 19 | $ 2,615,000 | $ 137,631 | $ 31,000 |
| Pensacola-Ferry Pass-Brent, FL | 19 | $ 2,632,000 | $ 138,526 | $ 37,000 |
| Tulsa, OK | 19 | $ 2,146,000 | $ 112,947 | $ 15,000 |
| Birmingham-Hoover, AL | 18 | $ 2,730,000 | $ 151,666 | $ 47,000 |
| Bremerton-Silverdale, WA | 18 | $ 4,128,000 | $ 229,333 | $ 52,000 |
| California-Lexington Park, MD | 18 | $ 2,130,000 | $ 118,333 | $ 116,000 |
| Elgin, IL | 18 | $ 2,985,000 | $ 165,833 | $ 69,000 |
| Lexington-Fayette, KY | 18 | $ 4,981,000 | $ 276,722 | $ 8,000 |
| Anaheim-Santa Ana-Irvine, CA | 17 | $ 5,445,000 | $ 320,294 | $ 72,000 |
| Baton Rouge, LA | 17 | $ 2,107,000 | $ 123,941 | $ 29,000 |
| Des Moines-West Des Moines, IA | 17 | $ 2,186,000 | $ 128,588 | $ 136,000 |
| Fayetteville, NC | 17 | $ 1,856,000 | $ 109,176 | $ 4,000 |
| Little Rock-North Little Rock-Conway, AR | 17 | $ 2,051,000 | $ 120,647 | $ 12,000 |
| Visalia-Porterville, CA | 17 | $ 2,226,000 | $ 130,941 | $ 29,000 |
| Winston-Salem, NC | 17 | $ 13,500,000 | $ 794,117 | $ 31,000 |
| Wichita, KS | 16 | $ 2,003,000 | $ 125,187 | $ 44,000 |
| Youngstown-Warren-Boardman, OH-PA | 16 | $ 1,805,000 | $ 112,812 | $ 13,125 |
| Bangor, ME | 15 | $ 2,139,000 | $ 142,600 | $ 37,000 |
| Fort Collins, CO | 14 | $ 2,964,000 | $ 211,714 | $ 89,000 |
| Greeley, CO | 14 | $ 2,423,000 | $ 173,071 | $ 45,000 |
| Albany, OR | 13 | $ 1,886,000 | $ 145,076 | $ 18,000 |
| Durham-Chapel Hill, NC | 13 | $ 1,998,000 | $ 153,692 | $ 28,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 1,271,000 | $ 97,769 | $ 19,000 |
| Greenville-Anderson-Mauldin, SC | 13 | $ 1,716,000 | $ 132,000 | $ 30,000 |
| McAllen-Edinburg-Mission, TX | 13 | $ 1,725,000 | $ 132,692 | $ 55,000 |
| Modesto, CA | 13 | $ 2,088,000 | $ 160,615 | $ 33,000 |
| Reno, NV | 13 | $ 2,716,000 | $ 208,923 | $ 64,000 |
| Huntsville, AL | 12 | $ 9,657,000 | $ 804,750 | $ 27,000 |
| Johnstown, PA | 12 | $ 420,000 | $ 35,000 | $ 51,000 |
| Knoxville, TN | 12 | $ 1,416,000 | $ 118,000 | $ 23,000 |
| Naples-Immokalee-Marco Island, FL | 12 | $ 7,192,000 | $ 599,333 | $ 351,000 |
| Port St. Lucie, FL | 12 | $ 1,918,000 | $ 159,833 | $ 70,000 |
| Punta Gorda, FL | 12 | $ 2,192,000 | $ 182,666 | $ 74,000 |
| Canton-Massillon, OH | 11 | $ 1,036,000 | $ 94,181 | $ 26,000 |
| Chattanooga, TN-GA | 11 | $ 1,229,000 | $ 111,727 | $ 15,090 |
| Jacksonville, NC | 11 | $ 1,310,000 | $ 119,090 | $ 2,000 |
| Lewiston-Auburn, ME | 11 | $ 1,458,000 | $ 132,545 | $ 39,000 |
| Merced, CA | 11 | $ 1,842,000 | $ 167,454 | $ 45,000 |
| Mobile, AL | 11 | $ 1,227,000 | $ 111,545 | $ 18,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 1,688,000 | $ 153,454 | $ 46,363 |
| Salinas, CA | 11 | $ 2,118,000 | $ 192,545 | $ 57,000 |
| St. Cloud, MN | 11 | $ 1,721,000 | $ 156,454 | $ 0 |
| Toledo, OH | 11 | $ 1,414,000 | $ 128,545 | $ 20,000 |
| Walla Walla, WA | 11 | $ 2,537,000 | $ 230,636 | $ 38,000 |
| Wilmington, NC | 11 | $ 2,691,000 | $ 244,636 | $ 16,000 |
| Boulder, CO | 10 | $ 22,358,000 | $ 2,235,800 | $ 75,000 |
| El Paso, TX | 10 | $ 1,150,000 | $ 115,000 | $ 35,000 |
| Gary, IN | 10 | $ 1,326,000 | $ 132,600 | $ 14,000 |
| Grand Junction, CO | 10 | $ 1,525,000 | $ 152,500 | $ 27,000 |
| Lynchburg, VA | 10 | $ 1,515,000 | $ 151,500 | $ 55,000 |
| Roanoke, VA | 10 | $ 1,396,000 | $ 139,600 | $ 46,000 |
| San Francisco-Redwood City-South San Francisco, CA | 10 | $ 3,908,000 | $ 390,800 | $ 85,000 |
| Urban Honolulu, HI | 10 | $ 2,773,000 | $ 277,300 | $ 0 |
| Barnstable Town, MA | 9 | $ 2,756,000 | $ 306,222 | $ 141,000 |
| Clarksville, TN-KY | 9 | $ 1,094,000 | $ 121,555 | $ 3,000 |
| Crestview-Fort Walton Beach-Destin, FL | 9 | $ 1,254,000 | $ 139,333 | $ 4,000 |
| Elizabethtown-Fort Knox, KY | 9 | $ 973,000 | $ 108,111 | $ 10,000 |
| Jackson, MS | 9 | $ 1,294,000 | $ 143,777 | $ 17,000 |
| Lansing-East Lansing, MI | 9 | $ 929,000 | $ 103,222 | $ 32,000 |
| Madison, WI | 9 | $ 1,378,000 | $ 153,111 | $ 91,000 |
| Shreveport-Bossier City, LA | 9 | $ 1,219,000 | $ 135,444 | $ 20,000 |
| Ann Arbor, MI | 8 | $ 1,275,000 | $ 159,375 | $ 43,000 |
| Charlottesville, VA | 8 | $ 2,787,000 | $ 348,375 | $ 89,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 856,000 | $ 107,000 | $ 10,000 |
| Killeen-Temple, TX | 8 | $ 940,000 | $ 117,500 | $ 5,000 |
| Medford, OR | 8 | $ 1,392,000 | $ 174,000 | $ 31,000 |
| Missoula, MT | 8 | $ 1,401,000 | $ 175,125 | $ 59,000 |
| Vallejo-Fairfield, CA | 8 | $ 1,371,000 | $ 171,375 | $ 20,000 |
| Warner Robins, GA | 8 | $ 853,000 | $ 106,625 | $ 6,000 |
| Auburn-Opelika, AL | 7 | $ 900,000 | $ 128,571 | $ 6,000 |
| Coeur D'Alene, ID | 7 | $ 1,307,000 | $ 186,714 | $ 0 |
| El Centro, CA | 7 | $ 889,000 | $ 127,000 | $ 39,000 |
| Evansville, IN-KY | 7 | $ 600,000 | $ 85,714 | $ 2,000 |
| Green Bay, WI | 7 | $ 1,035,000 | $ 147,857 | $ 23,000 |
| Gulfport-Biloxi-Pascagoula, MS | 7 | $ 9,127,000 | $ 1,303,857 | $ 9,000 |
| Lafayette, LA | 7 | $ 706,000 | $ 100,857 | $ 0 |
| Rockford, IL | 7 | $ 821,000 | $ 117,285 | $ 23,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 1,732,000 | $ 247,428 | $ 36,000 |
| Sebastian-Vero Beach, FL | 7 | $ 2,892,000 | $ 413,142 | $ 363,000 |
| Bellingham, WA | 6 | $ 1,323,000 | $ 220,500 | $ 80,000 |
| Billings, MT | 6 | $ 886,000 | $ 147,666 | $ 7,000 |
| Fort Wayne, IN | 6 | $ 609,000 | $ 101,500 | $ 50,000 |
| Gainesville, FL | 6 | $ 759,000 | $ 126,500 | $ 26,000 |
| Grants Pass, OR | 6 | $ 1,472,000 | $ 245,333 | $ 60,000 |
| Las Cruces, NM | 6 | $ 760,000 | $ 126,666 | $ 6,000 |
| Lawton, OK | 6 | $ 606,000 | $ 101,000 | $ 17,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,277,000 | $ 212,833 | $ 78,000 |
| Pittsfield, MA | 6 | $ 1,045,000 | $ 174,166 | $ 61,000 |
| Sierra Vista-Douglas, AZ | 6 | $ 829,000 | $ 138,166 | $ 16,000 |
| Springfield, OH | 6 | $ 682,000 | $ 113,666 | $ 51,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 512,000 | $ 102,400 | $ 4,000 |
| Burlington-South Burlington, VT | 5 | $ 872,000 | $ 174,400 | $ 77,000 |
| Corpus Christi, TX | 5 | $ 717,000 | $ 143,400 | $ 11,000 |
| Corvallis, OR | 5 | $ 1,026,000 | $ 205,200 | $ 60,000 |
| Daphne-Fairhope-Foley, AL | 5 | $ 1,202,000 | $ 240,400 | $ 94,000 |
| Farmington, NM | 5 | $ 704,000 | $ 140,800 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 1,671,000 | $ 334,200 | $ 104,000 |
| Homosassa Springs, FL | 5 | $ 494,000 | $ 98,800 | $ 36,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 323,000 | $ 64,600 | $ 8,800 |
| Janesville-Beloit, WI | 5 | $ 611,000 | $ 122,200 | $ 52,000 |
| Joplin, MO | 5 | $ 513,000 | $ 102,600 | $ 30,000 |
| Kalamazoo-Portage, MI | 5 | $ 526,000 | $ 105,200 | $ 9,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 739,000 | $ 147,800 | $ 15,600 |
| Monroe, MI | 5 | $ 749,000 | $ 149,800 | $ 95,000 |
| Morgantown, WV | 5 | $ 939,000 | $ 187,800 | $ 35,000 |
| Ocala, FL | 5 | $ 414,000 | $ 82,800 | $ 5,000 |
| Pueblo, CO | 5 | $ 779,000 | $ 155,800 | $ 40,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 1,256,000 | $ 251,200 | $ 63,000 |
| San Rafael, CA | 5 | $ 3,383,000 | $ 676,600 | $ 159,000 |
| Topeka, KS | 5 | $ 529,000 | $ 105,800 | $ 15,000 |
| Albany, GA | 4 | $ 387,000 | $ 96,750 | $ 25,000 |
| Asheville, NC | 4 | $ 495,000 | $ 123,750 | $ 94,000 |
| Athens-Clarke County, GA | 4 | $ 563,000 | $ 140,750 | $ 43,000 |
| Brownsville-Harlingen, TX | 4 | $ 357,000 | $ 89,250 | $ 16,000 |
| Casper, WY | 4 | $ 679,000 | $ 169,750 | $ 65,000 |
| Cedar Rapids, IA | 4 | $ 645,000 | $ 161,250 | $ 36,000 |
| Champaign-Urbana, IL | 4 | $ 288,000 | $ 72,000 | $ 14,000 |
| Cheyenne, WY | 4 | $ 628,000 | $ 157,000 | $ 29,000 |
| College Station-Bryan, TX | 4 | $ 406,000 | $ 101,500 | $ 10,000 |
| Columbia, MO | 4 | $ 461,000 | $ 115,250 | $ 33,000 |
| Columbus, GA-AL | 4 | $ 476,000 | $ 119,000 | $ 51,000 |
| Decatur, AL | 4 | $ 546,000 | $ 136,500 | $ 90,000 |
| Duluth, MN-WI | 4 | $ 481,000 | $ 120,250 | $ 11,250 |
| Gainesville, GA | 4 | $ 621,000 | $ 155,250 | $ 36,000 |
| Hammond, LA | 4 | $ 532,000 | $ 133,000 | $ 0 |
| Harrisonburg, VA | 4 | $ 596,000 | $ 149,000 | $ 15,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 417,000 | $ 104,250 | $ 26,000 |
| Lafayette-West Lafayette, IN | 4 | $ 459,000 | $ 114,750 | $ 9,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 442,000 | $ 110,500 | $ 12,000 |
| Laredo, TX | 4 | $ 476,000 | $ 119,000 | $ 21,000 |
| Lima, OH | 4 | $ 336,000 | $ 84,000 | $ 28,000 |
| Macon, GA | 4 | $ 578,000 | $ 144,500 | $ 45,000 |
| Muskegon, MI | 4 | $ 311,000 | $ 77,750 | $ 25,000 |
| Oshkosh-Neenah, WI | 4 | $ 498,000 | $ 124,500 | $ 36,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,334,000 | $ 333,500 | $ 23,000 |
| Panama City, FL | 4 | $ 662,000 | $ 165,500 | $ 20,000 |
| Peoria, IL | 4 | $ 480,000 | $ 120,000 | $ 64,000 |
| Racine, WI | 4 | $ 607,000 | $ 151,750 | $ 12,000 |
| Redding, CA | 4 | $ 938,000 | $ 234,500 | $ 47,000 |
| Saginaw, MI | 4 | $ 363,000 | $ 90,750 | $ 21,000 |
| Santa Fe, NM | 4 | $ 1,585,000 | $ 396,250 | $ 430,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 1,408,000 | $ 352,000 | $ 35,000 |
| Santa Rosa, CA | 4 | $ 925,000 | $ 231,250 | $ 66,000 |
| Sherman-Denison, TX | 4 | $ 332,000 | $ 83,000 | $ 12,000 |
| Spartanburg, SC | 4 | $ 546,000 | $ 136,500 | $ 38,000 |
| St. Joseph, MO-KS | 4 | $ 465,000 | $ 116,250 | $ 12,000 |
| Staunton-Waynesboro, VA | 4 | $ 595,000 | $ 148,750 | $ 27,000 |
| Tallahassee, FL | 4 | $ 500,000 | $ 125,000 | $ 0 |
| Wausau, WI | 4 | $ 504,000 | $ 126,000 | $ 66,000 |
| Yuma, AZ | 4 | $ 528,000 | $ 132,000 | $ 8,000 |
| Anchorage, AK | 3 | $ 339,000 | $ 113,000 | $ 0 |
| Appleton, WI | 3 | $ 406,000 | $ 135,333 | $ 45,000 |
| Beckley, WV | 3 | $ 343,000 | $ 114,333 | $ 59,000 |
| Charleston, WV | 3 | $ 305,000 | $ 101,666 | $ 13,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 328,000 | $ 109,333 | $ 0 |
| Elkhart-Goshen, IN | 3 | $ 240,000 | $ 80,000 | $ 25,000 |
| Fond Du Lac, WI | 3 | $ 371,000 | $ 123,666 | $ 14,000 |
| Hattiesburg, MS | 3 | $ 294,000 | $ 98,000 | $ 0 |
| Jackson, MI | 3 | $ 314,000 | $ 104,666 | $ 43,000 |
| Jackson, TN | 3 | $ 324,000 | $ 108,000 | $ 16,000 |
| Kankakee, IL | 3 | $ 426,000 | $ 142,000 | $ 0 |
| Lincoln, NE | 3 | $ 426,000 | $ 142,000 | $ 31,000 |
| Midland, MI | 3 | $ 294,000 | $ 98,000 | $ 16,000 |
| Muncie, IN | 3 | $ 295,000 | $ 98,333 | $ 0 |
| Texarkana, TX-AR | 3 | $ 403,000 | $ 134,333 | $ 44,000 |
| The Villages, FL | 3 | $ 1,900,000 | $ 633,333 | $ 49,000 |
| Tuscaloosa, AL | 3 | $ 364,000 | $ 121,333 | $ 0 |
| Tyler, TX | 3 | $ 331,000 | $ 110,333 | $ 20,000 |
| Wenatchee, WA | 3 | $ 1,024,000 | $ 341,333 | $ 140,000 |
| Amarillo, TX | 2 | $ 138,000 | $ 69,000 | $ 49,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 221,000 | $ 110,500 | $ 22,000 |
| Bay City, MI | 2 | $ 175,000 | $ 87,500 | $ 17,000 |
| Burlington, NC | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Carson City, NV | 2 | $ 321,000 | $ 160,500 | $ 0 |
| Dalton, GA | 2 | $ 379,000 | $ 189,500 | $ 0 |
| Fairbanks, AK | 2 | $ 328,000 | $ 164,000 | $ 0 |
| Florence, SC | 2 | $ 289,000 | $ 144,500 | $ 16,000 |
| Goldsboro, NC | 2 | $ 223,000 | $ 111,500 | $ 84,000 |
| Hinesville, GA | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Houma-Thibodaux, LA | 2 | $ 216,000 | $ 108,000 | $ 50,000 |
| Kokomo, IN | 2 | $ 190,000 | $ 95,000 | $ 16,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 283,000 | $ 141,500 | $ 73,000 |
| Lake Charles, LA | 2 | $ 302,000 | $ 151,000 | $ 88,000 |
| Lawrence, KS | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Lewiston, ID-WA | 2 | $ 268,000 | $ 134,000 | $ 0 |
| Lubbock, TX | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Midland, TX | 2 | $ 218,000 | $ 109,000 | $ 0 |
| Monroe, LA | 2 | $ 228,000 | $ 114,000 | $ 63,000 |
| New Bern, NC | 2 | $ 262,000 | $ 131,000 | $ 0 |
| Rochester, MN | 2 | $ 333,000 | $ 166,500 | $ 39,000 |
| San Angelo, TX | 2 | $ 278,000 | $ 139,000 | $ 0 |
| Sheboygan, WI | 2 | $ 225,000 | $ 112,500 | $ 0 |
| Sioux City, IA-NE-SD | 2 | $ 236,000 | $ 118,000 | $ 0 |
| Terre Haute, IN | 2 | $ 374,000 | $ 187,000 | $ 24,000 |
| Valdosta, GA | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 2 | $ 202,000 | $ 101,000 | $ 25,000 |
| Ames, IA | 1 | $ 139,000 | $ 139,000 | $ 92,000 |
| Beaumont-Port Arthur, TX | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 200,000 | $ 200,000 | $ 257,000 |
| Bloomington, IL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Chico, CA | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Cleveland, TN | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Danville, IL | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Dothan, AL | 1 | $ 167,000 | $ 167,000 | $ 150,000 |
| Dubuque, IA | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 172,000 | $ 172,000 | $ 82,000 |
| Flagstaff, AZ | 1 | $ 92,000 | $ 92,000 | $ 42,000 |
| Florence-Muscle Shoals, AL | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 254,000 | $ 254,000 | $ 0 |
| Gadsden, AL | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 168,000 | $ 168,000 | $ 52,000 |
| Hanford-Corcoran, CA | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Iowa City, IA | 1 | $ 142,000 | $ 142,000 | $ 19,000 |
| Jefferson City, MO | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Johnson City, TN | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Longview, TX | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Madera, CA | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Mansfield, OH | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Odessa, TX | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Pocatello, ID | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 267,000 | $ 267,000 | $ 0 |
| Rome, GA | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 413,000 | $ 413,000 | $ 142,000 |
| Sebring, FL | 1 | $ 58,000 | $ 58,000 | $ 50,000 |
| Sioux Falls, SD | 1 | $ 183,000 | $ 183,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 69,000 | $ 69,000 | $ 54,000 |
| Sumter, SC | 1 | $ 135,000 | $ 135,000 | $ 81,000 |
| Victoria, TX | 1 | $ 173,000 | $ 173,000 | $ 71,000 |
| Waco, TX | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 97,000 | $ 97,000 | $ 58,000 |
| Wichita Falls, TX | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Yuba City, CA | 1 | $ 188,000 | $ 188,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2015
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 | 18,195 | $5,861,681,000 | $322,000 | $99,999,000 | $69,000 | $5,300,000 |
| Refinancing | 12,023 | $2,763,731,000 | $229,000 | $63,780,000 | $68,000 | $9,999,000 |
| Home Improvement | 5,278 | $387,198,000 | $73,000 | $32,500,000 | $63,000 | $914,000 |
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 | 17,353 | $2,721,227,000 | $156,000 | $4,631,000 | $83,000 | $9,999,000 |
| Not applicable | 10,607 | $5,086,700,000 | $479,000 | $99,999,000 | $38,000 | $1,159,000 |
| Black or African American | 2,513 | $280,279,000 | $111,000 | $1,500,000 | $48,000 | $1,921,000 |
| Not Provided | 2,503 | $498,323,000 | $199,000 | $12,000,000 | $115,000 | $5,593,000 |
| Hispanic | 1,514 | $211,882,000 | $139,000 | $1,080,000 | $45,000 | $808,000 |
| Asian | 791 | $185,998,000 | $235,000 | $4,084,000 | $98,000 | $3,981,000 |
| American Indian or Alaskan Native | 142 | $17,295,000 | $121,000 | $680,000 | $65,000 | $570,000 |
| Native Hawaiian or Other Pacific Islander | 73 | $10,906,000 | $149,000 | $496,000 | $56,000 | $350,000 |
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) | 22,635 | $6,549,250,000 | $289,000 | $99,999,000 | $79,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 11,388 | $2,195,917,000 | $192,000 | $964,000 | $49,000 | $2,365,000 |
| VA-guaranteed (Veterans Administration) | 1,076 | $206,293,000 | $191,000 | $950,000 | $46,000 | $397,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 397 | $61,150,000 | $154,000 | $398,000 | $47,000 | $118,000 |
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 | 19,513 | $6,269,692,000 | $321,000 | $99,999,000 | $71,000 | $7,663,000 |
| Loan Purchased By The Institution | 7,423 | $1,542,581,000 | $207,000 | $964,000 | $54,000 | $700,000 |
| Application Denied By Financial Institution | 4,983 | $490,231,000 | $98,000 | $4,000,000 | $65,000 | $5,593,000 |
| Application Withdrawn By Applicant | 1,577 | $358,690,000 | $227,000 | $12,000,000 | $104,000 | $9,999,000 |
| Application Approved But Not Accepted | 1,340 | $237,046,000 | $176,000 | $2,835,000 | $70,000 | $3,920,000 |
| File Closed For Incompleteness | 570 | $95,656,000 | $167,000 | $3,900,000 | $67,000 | $4,019,000 |
| Preapproval Denied by Financial Institution | 90 | $18,714,000 | $207,000 | $854,000 | $58,000 | $323,000 |
| 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 2015 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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