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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 5,728 | $ 631,860,000 | $ 110,310 | $ 92,000 |
| Baltimore-Columbia-Towson, MD | 4,307 | $ 557,015,000 | $ 129,327 | $ 110,000 |
| New York-Jersey City-White Plains, NY-NJ | 3,708 | $ 1,168,205,000 | $ 315,049 | $ 142,251 |
| Outside any metro area | 3,367 | $ 399,535,000 | $ 118,662 | $ 92,844 |
| Rochester, NY | 1,876 | $ 212,670,000 | $ 113,363 | $ 88,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,587 | $ 334,895,000 | $ 211,023 | $ 129,282 |
| Nassau County-Suffolk County, NY | 1,181 | $ 435,445,000 | $ 368,708 | $ 156,000 |
| Syracuse, NY | 1,141 | $ 112,825,000 | $ 98,882 | $ 98,000 |
| York-Hanover, PA | 1,123 | $ 115,955,000 | $ 103,254 | $ 92,000 |
| Wilmington, DE-MD-NJ | 1,013 | $ 126,845,000 | $ 125,217 | $ 105,635 |
| Silver Spring-Frederick-Rockville, MD | 962 | $ 238,530,000 | $ 247,952 | $ 144,000 |
| Salisbury, MD-DE | 922 | $ 128,720,000 | $ 139,609 | $ 122,554 |
| Newark, NJ-PA | 832 | $ 180,240,000 | $ 216,634 | $ 136,704 |
| Binghamton, NY | 667 | $ 52,825,000 | $ 79,197 | $ 80,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 645 | $ 58,235,000 | $ 90,286 | $ 79,000 |
| Harrisburg-Carlisle, PA | 559 | $ 66,705,000 | $ 119,329 | $ 94,000 |
| Albany-Schenectady-Troy, NY | 553 | $ 126,595,000 | $ 228,924 | $ 111,000 |
| Dutchess County-Putnam County, NY | 471 | $ 101,445,000 | $ 215,382 | $ 123,000 |
| Utica-Rome, NY | 451 | $ 43,055,000 | $ 95,465 | $ 95,000 |
| Philadelphia, PA | 433 | $ 58,955,000 | $ 136,154 | $ 94,000 |
| Chambersburg-Waynesboro, PA | 406 | $ 39,970,000 | $ 98,448 | $ 76,000 |
| Montgomery County-Bucks County-Chester County, PA | 397 | $ 80,165,000 | $ 201,926 | $ 179,000 |
| Reading, PA | 397 | $ 34,105,000 | $ 85,906 | $ 79,000 |
| Hagerstown-Martinsburg, MD-WV | 345 | $ 35,405,000 | $ 102,623 | $ 79,573 |
| Richmond, VA | 314 | $ 110,760,000 | $ 352,738 | $ 122,000 |
| Bridgeport-Stamford-Norwalk, CT | 297 | $ 88,105,000 | $ 296,649 | $ 185,000 |
| Dover, DE | 275 | $ 28,295,000 | $ 102,890 | $ 75,000 |
| Phoenix-Mesa-Scottsdale, AZ | 272 | $ 57,300,000 | $ 210,661 | $ 75,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 272 | $ 83,830,000 | $ 308,198 | $ 104,389 |
| Kingston, NY | 263 | $ 32,465,000 | $ 123,441 | $ 96,000 |
| Lancaster, PA | 255 | $ 64,125,000 | $ 251,470 | $ 112,000 |
| Camden, NJ | 229 | $ 38,575,000 | $ 168,449 | $ 94,000 |
| Altoona, PA | 213 | $ 16,005,000 | $ 75,140 | $ 84,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 172 | $ 17,630,000 | $ 102,500 | $ 105,936 |
| State College, PA | 153 | $ 17,975,000 | $ 117,483 | $ 97,000 |
| Atlanta-Sandy Springs-Roswell, GA | 152 | $ 28,320,000 | $ 186,315 | $ 74,000 |
| Cumberland, MD-WV | 144 | $ 11,040,000 | $ 76,666 | $ 81,250 |
| Gettysburg, PA | 133 | $ 12,115,000 | $ 91,090 | $ 83,000 |
| Chicago-Naperville-Arlington Heights, IL | 128 | $ 30,270,000 | $ 236,484 | $ 100,000 |
| Salt Lake City, UT | 128 | $ 37,260,000 | $ 291,093 | $ 117,000 |
| Provo-Orem, UT | 124 | $ 32,260,000 | $ 260,161 | $ 87,000 |
| Seattle-Bellevue-Everett, WA | 124 | $ 42,760,000 | $ 344,838 | $ 113,000 |
| Denver-Aurora-Lakewood, CO | 113 | $ 36,635,000 | $ 324,203 | $ 106,000 |
| Riverside-San Bernardino-Ontario, CA | 95 | $ 23,845,000 | $ 251,000 | $ 84,000 |
| Williamsport, PA | 89 | $ 8,495,000 | $ 95,449 | $ 86,000 |
| Lebanon, PA | 85 | $ 8,125,000 | $ 95,588 | $ 98,000 |
| Bloomsburg-Berwick, PA | 84 | $ 6,940,000 | $ 82,619 | $ 80,000 |
| Ithaca, NY | 80 | $ 12,250,000 | $ 153,125 | $ 115,000 |
| Tacoma-Lakewood, WA | 80 | $ 24,280,000 | $ 303,500 | $ 97,000 |
| New Haven-Milford, CT | 79 | $ 11,315,000 | $ 143,227 | $ 89,000 |
| Hartford-West Hartford-East Hartford, CT | 78 | $ 16,600,000 | $ 212,820 | $ 88,000 |
| Los Angeles-Long Beach-Glendale, CA | 78 | $ 29,470,000 | $ 377,820 | $ 121,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 66 | $ 14,280,000 | $ 216,363 | $ 214,000 |
| Orlando-Kissimmee-Sanford, FL | 63 | $ 12,205,000 | $ 193,730 | $ 114,000 |
| Watertown-Fort Drum, NY | 56 | $ 7,360,000 | $ 131,428 | $ 86,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 54 | $ 26,540,000 | $ 491,481 | $ 508,000 |
| Trenton, NJ | 52 | $ 11,640,000 | $ 223,846 | $ 142,000 |
| Elmira, NY | 49 | $ 3,145,000 | $ 64,183 | $ 80,000 |
| Houston-The Woodlands-Sugar Land, TX | 49 | $ 7,735,000 | $ 157,857 | $ 81,000 |
| Worcester, MA-CT | 49 | $ 27,755,000 | $ 566,428 | $ 82,959 |
| Columbus, OH | 47 | $ 9,455,000 | $ 201,170 | $ 116,000 |
| Tampa-St. Petersburg-Clearwater, FL | 47 | $ 8,515,000 | $ 181,170 | $ 73,000 |
| Boston, MA | 44 | $ 48,450,000 | $ 1,101,136 | $ 250,000 |
| Pittsburgh, PA | 44 | $ 6,190,000 | $ 140,681 | $ 115,000 |
| Glens Falls, NY | 43 | $ 7,275,000 | $ 169,186 | $ 184,000 |
| East Stroudsburg, PA | 42 | $ 4,920,000 | $ 117,142 | $ 123,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 41 | $ 13,485,000 | $ 328,902 | $ 327,000 |
| Las Vegas-Henderson-Paradise, NV | 40 | $ 8,160,000 | $ 204,000 | $ 104,000 |
| Ogden-Clearfield, UT | 39 | $ 11,235,000 | $ 288,076 | $ 102,000 |
| Charlotte-Concord-Gastonia, NC-SC | 38 | $ 6,420,000 | $ 168,947 | $ 77,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 36 | $ 7,940,000 | $ 220,555 | $ 106,750 |
| Warren-Troy-Farmington Hills, MI | 36 | $ 5,570,000 | $ 154,722 | $ 72,000 |
| Providence-Warwick, RI-MA | 35 | $ 10,105,000 | $ 288,714 | $ 104,000 |
| Cape Coral-Fort Myers, FL | 33 | $ 7,065,000 | $ 214,090 | $ 127,000 |
| Cambridge-Newton-Framingham, MA | 32 | $ 10,800,000 | $ 337,500 | $ 125,000 |
| Atlantic City-Hammonton, NJ | 31 | $ 8,015,000 | $ 258,548 | $ 314,000 |
| Cincinnati, OH-KY-IN | 31 | $ 5,425,000 | $ 175,000 | $ 85,451 |
| Cleveland-Elyria, OH | 31 | $ 3,695,000 | $ 119,193 | $ 60,000 |
| Erie, PA | 31 | $ 3,485,000 | $ 112,419 | $ 75,000 |
| Memphis, TN-MS-AR | 31 | $ 5,345,000 | $ 172,419 | $ 77,387 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 30 | $ 5,640,000 | $ 188,000 | $ 73,000 |
| Ocean City, NJ | 30 | $ 24,090,000 | $ 803,000 | $ 653,000 |
| California-Lexington Park, MD | 29 | $ 3,155,000 | $ 108,793 | $ 91,000 |
| Indianapolis-Carmel-Anderson, IN | 29 | $ 4,465,000 | $ 153,965 | $ 65,000 |
| Jacksonville, FL | 29 | $ 5,975,000 | $ 206,034 | $ 76,000 |
| Miami-Miami Beach-Kendall, FL | 29 | $ 6,705,000 | $ 231,206 | $ 151,000 |
| North Port-Sarasota-Bradenton, FL | 25 | $ 7,625,000 | $ 305,000 | $ 240,000 |
| Norwich-New London, CT | 25 | $ 9,135,000 | $ 365,400 | $ 116,000 |
| San Diego-Carlsbad, CA | 25 | $ 15,455,000 | $ 618,200 | $ 350,000 |
| Stockton-Lodi, CA | 25 | $ 6,785,000 | $ 271,400 | $ 100,000 |
| Dallas-Plano-Irving, TX | 24 | $ 5,460,000 | $ 227,500 | $ 100,000 |
| Salem, OR | 24 | $ 5,980,000 | $ 249,166 | $ 82,000 |
| Naples-Immokalee-Marco Island, FL | 23 | $ 7,595,000 | $ 330,217 | $ 271,000 |
| Visalia-Porterville, CA | 23 | $ 4,655,000 | $ 202,391 | $ 70,000 |
| Charleston-North Charleston, SC | 22 | $ 5,120,000 | $ 232,727 | $ 322,000 |
| St. Louis, MO-IL | 22 | $ 3,180,000 | $ 144,545 | $ 88,454 |
| Lakeland-Winter Haven, FL | 21 | $ 3,125,000 | $ 148,809 | $ 79,000 |
| Winchester, VA-WV | 21 | $ 2,985,000 | $ 142,142 | $ 55,666 |
| Johnstown, PA | 20 | $ 1,350,000 | $ 67,500 | $ 58,000 |
| New Orleans-Metairie, LA | 20 | $ 2,940,000 | $ 147,000 | $ 73,000 |
| Oakland-Hayward-Berkeley, CA | 19 | $ 6,495,000 | $ 341,842 | $ 103,000 |
| Springfield, MA | 19 | $ 2,745,000 | $ 144,473 | $ 50,000 |
| Birmingham-Hoover, AL | 18 | $ 2,520,000 | $ 140,000 | $ 72,000 |
| Tucson, AZ | 18 | $ 2,840,000 | $ 157,777 | $ 58,000 |
| Detroit-Dearborn-Livonia, MI | 17 | $ 2,355,000 | $ 138,529 | $ 84,000 |
| Gary, IN | 17 | $ 2,615,000 | $ 153,823 | $ 81,000 |
| Longview, WA | 17 | $ 4,585,000 | $ 269,705 | $ 70,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 17 | $ 4,495,000 | $ 264,411 | $ 87,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 2,680,000 | $ 167,500 | $ 95,000 |
| Olympia-Tumwater, WA | 16 | $ 5,040,000 | $ 315,000 | $ 99,000 |
| Akron, OH | 15 | $ 2,515,000 | $ 167,666 | $ 102,000 |
| Colorado Springs, CO | 15 | $ 3,475,000 | $ 231,666 | $ 107,000 |
| Fresno, CA | 15 | $ 2,895,000 | $ 193,000 | $ 85,000 |
| Kansas City, MO-KS | 15 | $ 2,105,000 | $ 140,333 | $ 71,000 |
| Medford, OR | 15 | $ 3,515,000 | $ 234,333 | $ 83,000 |
| Raleigh, NC | 15 | $ 3,095,000 | $ 206,333 | $ 93,000 |
| Bakersfield, CA | 14 | $ 2,660,000 | $ 190,000 | $ 79,000 |
| Eugene, OR | 14 | $ 3,650,000 | $ 260,714 | $ 66,000 |
| Greenville-Anderson-Mauldin, SC | 14 | $ 2,710,000 | $ 193,571 | $ 63,000 |
| San Antonio-New Braunfels, TX | 14 | $ 2,370,000 | $ 169,285 | $ 82,000 |
| Anaheim-Santa Ana-Irvine, CA | 13 | $ 5,865,000 | $ 451,153 | $ 174,000 |
| Fort Worth-Arlington, TX | 13 | $ 1,685,000 | $ 129,615 | $ 71,000 |
| Jackson, MS | 13 | $ 1,975,000 | $ 151,923 | $ 77,000 |
| Louisville/Jefferson County, KY-IN | 13 | $ 1,905,000 | $ 146,538 | $ 69,538 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 13 | $ 3,025,000 | $ 232,692 | $ 176,000 |
| Winston-Salem, NC | 13 | $ 1,975,000 | $ 151,923 | $ 78,000 |
| Austin-Round Rock, TX | 12 | $ 2,330,000 | $ 194,166 | $ 119,000 |
| Bend-Redmond, OR | 12 | $ 3,200,000 | $ 266,666 | $ 89,000 |
| Lake County-Kenosha County, IL-WI | 12 | $ 2,260,000 | $ 188,333 | $ 90,666 |
| Oklahoma City, OK | 12 | $ 1,670,000 | $ 139,166 | $ 57,000 |
| St. George, UT | 12 | $ 4,710,000 | $ 392,500 | $ 244,000 |
| Elgin, IL | 11 | $ 1,925,000 | $ 175,000 | $ 95,000 |
| Rockingham County-Strafford County, NH | 11 | $ 3,395,000 | $ 308,636 | $ 126,000 |
| Albuquerque, NM | 10 | $ 1,600,000 | $ 160,000 | $ 76,000 |
| Boise City, ID | 10 | $ 1,790,000 | $ 179,000 | $ 58,000 |
| Columbia, SC | 10 | $ 1,780,000 | $ 178,000 | $ 115,000 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 1,800,000 | $ 180,000 | $ 94,000 |
| Portland-South Portland, ME | 10 | $ 2,500,000 | $ 250,000 | $ 115,000 |
| Spokane-Spokane Valley, WA | 10 | $ 2,570,000 | $ 257,000 | $ 89,000 |
| Vineland-Bridgeton, NJ | 10 | $ 900,000 | $ 90,000 | $ 68,000 |
| Durham-Chapel Hill, NC | 9 | $ 1,575,000 | $ 175,000 | $ 86,000 |
| Killeen-Temple, TX | 9 | $ 1,225,000 | $ 136,111 | $ 94,000 |
| Lewiston-Auburn, ME | 9 | $ 1,305,000 | $ 145,000 | $ 65,000 |
| Modesto, CA | 9 | $ 1,835,000 | $ 203,888 | $ 72,000 |
| Port St. Lucie, FL | 9 | $ 1,775,000 | $ 197,222 | $ 169,000 |
| Punta Gorda, FL | 9 | $ 1,075,000 | $ 119,444 | $ 84,000 |
| Reno, NV | 9 | $ 2,125,000 | $ 236,111 | $ 101,000 |
| Tulsa, OK | 9 | $ 1,405,000 | $ 156,111 | $ 70,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 3,930,000 | $ 491,250 | $ 95,000 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 1,300,000 | $ 162,500 | $ 79,000 |
| Milwaukee-Waukesha-West Allis, WI | 8 | $ 1,730,000 | $ 216,250 | $ 97,000 |
| Montgomery, AL | 8 | $ 1,220,000 | $ 152,500 | $ 81,000 |
| Barnstable Town, MA | 7 | $ 2,465,000 | $ 352,142 | $ 371,000 |
| Canton-Massillon, OH | 7 | $ 835,000 | $ 119,285 | $ 50,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 975,000 | $ 139,285 | $ 69,000 |
| Knoxville, TN | 7 | $ 13,645,000 | $ 1,949,285 | $ 71,000 |
| Merced, CA | 7 | $ 1,605,000 | $ 229,285 | $ 100,000 |
| Ocala, FL | 7 | $ 965,000 | $ 137,857 | $ 51,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 785,000 | $ 112,142 | $ 76,571 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 3,185,000 | $ 455,000 | $ 115,000 |
| Prescott, AZ | 7 | $ 1,655,000 | $ 236,428 | $ 67,000 |
| Albany, OR | 6 | $ 1,490,000 | $ 248,333 | $ 84,000 |
| Baton Rouge, LA | 6 | $ 890,000 | $ 148,333 | $ 71,000 |
| Bremerton-Silverdale, WA | 6 | $ 2,020,000 | $ 336,666 | $ 92,000 |
| Clarksville, TN-KY | 6 | $ 840,000 | $ 140,000 | $ 95,666 |
| Coeur D'Alene, ID | 6 | $ 1,550,000 | $ 258,333 | $ 82,000 |
| Grand Junction, CO | 6 | $ 900,000 | $ 150,000 | $ 49,000 |
| Idaho Falls, ID | 6 | $ 1,000,000 | $ 166,666 | $ 68,000 |
| Logan, UT-ID | 6 | $ 1,040,000 | $ 173,333 | $ 101,000 |
| Manchester-Nashua, NH | 6 | $ 1,460,000 | $ 243,333 | $ 121,000 |
| Roanoke, VA | 6 | $ 1,250,000 | $ 208,333 | $ 136,000 |
| Savannah, GA | 6 | $ 3,380,000 | $ 563,333 | $ 131,000 |
| Tallahassee, FL | 6 | $ 1,010,000 | $ 168,333 | $ 81,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,820,000 | $ 303,333 | $ 99,000 |
| Waco, TX | 6 | $ 980,000 | $ 163,333 | $ 100,000 |
| Wichita, KS | 6 | $ 580,000 | $ 96,666 | $ 60,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 400,000 | $ 66,666 | $ 44,500 |
| Boulder, CO | 5 | $ 1,705,000 | $ 341,000 | $ 119,000 |
| Burlington-South Burlington, VT | 5 | $ 985,000 | $ 197,000 | $ 70,000 |
| Charlottesville, VA | 5 | $ 1,765,000 | $ 353,000 | $ 247,000 |
| Dayton, OH | 5 | $ 515,000 | $ 103,000 | $ 55,000 |
| Flint, MI | 5 | $ 545,000 | $ 109,000 | $ 92,000 |
| Greensboro-High Point, NC | 5 | $ 735,000 | $ 147,000 | $ 79,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 705,000 | $ 141,000 | $ 65,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 1,435,000 | $ 287,000 | $ 95,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 485,000 | $ 97,000 | $ 83,400 |
| Huntsville, AL | 5 | $ 915,000 | $ 183,000 | $ 72,000 |
| Lansing-East Lansing, MI | 5 | $ 695,000 | $ 139,000 | $ 80,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 605,000 | $ 121,000 | $ 54,000 |
| Ann Arbor, MI | 4 | $ 770,000 | $ 192,500 | $ 161,000 |
| Beckley, WV | 4 | $ 190,000 | $ 47,500 | $ 48,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 340,000 | $ 85,000 | $ 110,000 |
| Chattanooga, TN-GA | 4 | $ 520,000 | $ 130,000 | $ 61,500 |
| Chico, CA | 4 | $ 690,000 | $ 172,500 | $ 92,000 |
| Gainesville, GA | 4 | $ 620,000 | $ 155,000 | $ 51,000 |
| Greeley, CO | 4 | $ 890,000 | $ 222,500 | $ 76,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 370,000 | $ 92,500 | $ 73,000 |
| Janesville-Beloit, WI | 4 | $ 590,000 | $ 147,500 | $ 48,000 |
| Kalamazoo-Portage, MI | 4 | $ 570,000 | $ 142,500 | $ 148,000 |
| Kennewick-Richland, WA | 4 | $ 730,000 | $ 182,500 | $ 79,000 |
| Lynchburg, VA | 4 | $ 360,000 | $ 90,000 | $ 119,000 |
| Morgantown, WV | 4 | $ 770,000 | $ 192,500 | $ 91,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,020,000 | $ 255,000 | $ 52,000 |
| Staunton-Waynesboro, VA | 4 | $ 380,000 | $ 95,000 | $ 32,000 |
| Urban Honolulu, HI | 4 | $ 880,000 | $ 220,000 | $ 0 |
| Wilmington, NC | 4 | $ 1,780,000 | $ 445,000 | $ 216,000 |
| Yakima, WA | 4 | $ 660,000 | $ 165,000 | $ 234,000 |
| Yuma, AZ | 4 | $ 500,000 | $ 125,000 | $ 29,000 |
| Asheville, NC | 3 | $ 445,000 | $ 148,333 | $ 79,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 505,000 | $ 168,333 | $ 90,000 |
| Burlington, NC | 3 | $ 385,000 | $ 128,333 | $ 50,000 |
| Corpus Christi, TX | 3 | $ 395,000 | $ 131,666 | $ 56,000 |
| Dalton, GA | 3 | $ 285,000 | $ 95,000 | $ 41,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 695,000 | $ 231,666 | $ 86,000 |
| Des Moines-West Des Moines, IA | 3 | $ 405,000 | $ 135,000 | $ 54,000 |
| El Paso, TX | 3 | $ 265,000 | $ 88,333 | $ 77,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 415,000 | $ 138,333 | $ 69,000 |
| Fayetteville, NC | 3 | $ 475,000 | $ 158,333 | $ 106,000 |
| Fort Collins, CO | 3 | $ 535,000 | $ 178,333 | $ 55,000 |
| Green Bay, WI | 3 | $ 495,000 | $ 165,000 | $ 84,000 |
| Harrisonburg, VA | 3 | $ 265,000 | $ 88,333 | $ 77,000 |
| Homosassa Springs, FL | 3 | $ 425,000 | $ 141,666 | $ 94,000 |
| Jacksonville, NC | 3 | $ 655,000 | $ 218,333 | $ 137,000 |
| La Crosse-Onalaska, WI-MN | 3 | $ 535,000 | $ 178,333 | $ 59,000 |
| Las Cruces, NM | 3 | $ 505,000 | $ 168,333 | $ 54,000 |
| Lawton, OK | 3 | $ 225,000 | $ 75,000 | $ 76,000 |
| Madera, CA | 3 | $ 645,000 | $ 215,000 | $ 76,000 |
| Michigan City-La Porte, IN | 3 | $ 255,000 | $ 85,000 | $ 26,000 |
| Mobile, AL | 3 | $ 475,000 | $ 158,333 | $ 119,000 |
| Monroe, MI | 3 | $ 465,000 | $ 155,000 | $ 63,000 |
| Pittsfield, MA | 3 | $ 475,000 | $ 158,333 | $ 109,000 |
| Santa Rosa, CA | 3 | $ 1,245,000 | $ 415,000 | $ 150,000 |
| Shreveport-Bossier City, LA | 3 | $ 375,000 | $ 125,000 | $ 38,000 |
| Spartanburg, SC | 3 | $ 315,000 | $ 105,000 | $ 41,000 |
| Springfield, MO | 3 | $ 445,000 | $ 148,333 | $ 82,000 |
| The Villages, FL | 3 | $ 775,000 | $ 258,333 | $ 119,000 |
| Wenatchee, WA | 3 | $ 705,000 | $ 235,000 | $ 119,000 |
| Athens-Clarke County, GA | 2 | $ 290,000 | $ 145,000 | $ 67,000 |
| Bangor, ME | 2 | $ 330,000 | $ 165,000 | $ 99,000 |
| Bay City, MI | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Brunswick, GA | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Cape Girardeau, MO-IL | 2 | $ 160,000 | $ 80,000 | $ 29,000 |
| Columbia, MO | 2 | $ 290,000 | $ 145,000 | $ 56,000 |
| Corvallis, OR | 2 | $ 430,000 | $ 215,000 | $ 52,000 |
| Dothan, AL | 2 | $ 240,000 | $ 120,000 | $ 76,000 |
| Duluth, MN-WI | 2 | $ 190,000 | $ 95,000 | $ 49,000 |
| El Centro, CA | 2 | $ 440,000 | $ 220,000 | $ 140,000 |
| Florence, SC | 2 | $ 280,000 | $ 140,000 | $ 134,000 |
| Florence-Muscle Shoals, AL | 2 | $ 290,000 | $ 145,000 | $ 91,000 |
| Grants Pass, OR | 2 | $ 680,000 | $ 340,000 | $ 119,000 |
| Great Falls, MT | 2 | $ 270,000 | $ 135,000 | $ 57,000 |
| Greenville, NC | 2 | $ 160,000 | $ 80,000 | $ 32,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 220,000 | $ 110,000 | $ 55,000 |
| Laredo, TX | 2 | $ 280,000 | $ 140,000 | $ 129,000 |
| Lexington-Fayette, KY | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Lubbock, TX | 2 | $ 220,000 | $ 110,000 | $ 107,000 |
| Missoula, MT | 2 | $ 500,000 | $ 250,000 | $ 101,000 |
| New Bern, NC | 2 | $ 560,000 | $ 280,000 | $ 86,000 |
| Peoria, IL | 2 | $ 140,000 | $ 70,000 | $ 47,000 |
| Racine, WI | 2 | $ 260,000 | $ 130,000 | $ 78,000 |
| Saginaw, MI | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Salinas, CA | 2 | $ 610,000 | $ 305,000 | $ 77,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 980,000 | $ 490,000 | $ 198,000 |
| Santa Fe, NM | 2 | $ 330,000 | $ 165,000 | $ 50,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 410,000 | $ 205,000 | $ 67,000 |
| Sebastian-Vero Beach, FL | 2 | $ 1,290,000 | $ 645,000 | $ 799,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 310,000 | $ 155,000 | $ 41,000 |
| Springfield, OH | 2 | $ 220,000 | $ 110,000 | $ 95,000 |
| Toledo, OH | 2 | $ 500,000 | $ 250,000 | $ 68,000 |
| Topeka, KS | 2 | $ 470,000 | $ 235,000 | $ 135,000 |
| Walla Walla, WA | 2 | $ 340,000 | $ 170,000 | $ 38,000 |
| Warner Robins, GA | 2 | $ 250,000 | $ 125,000 | $ 67,000 |
| Ames, IA | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Anchorage, AK | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Auburn-Opelika, AL | 1 | $ 105,000 | $ 105,000 | $ 185,000 |
| Bloomington, IN | 1 | $ 105,000 | $ 105,000 | $ 106,000 |
| Brownsville-Harlingen, TX | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Casper, WY | 1 | $ 135,000 | $ 135,000 | $ 27,000 |
| Cedar Rapids, IA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Charleston, WV | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Cheyenne, WY | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| College Station-Bryan, TX | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Columbus, GA-AL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Danville, IL | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Decatur, AL | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Elkhart-Goshen, IN | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Evansville, IN-KY | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Flagstaff, AZ | 1 | $ 565,000 | $ 565,000 | $ 550,000 |
| Fort Wayne, IN | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Gainesville, FL | 1 | $ 4,405,000 | $ 4,405,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 285,000 | $ 285,000 | $ 113,000 |
| Hinesville, GA | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Houma-Thibodaux, LA | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Jackson, TN | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Jonesboro, AR | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Joplin, MO | 1 | $ 105,000 | $ 105,000 | $ 154,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Kankakee, IL | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Kokomo, IN | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Lafayette, LA | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 245,000 | $ 245,000 | $ 235,000 |
| Lima, OH | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Lincoln, NE | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Macon-Bibb County, GA | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Manhattan, KS | 1 | $ 115,000 | $ 115,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Midland, TX | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Napa, CA | 1 | $ 225,000 | $ 225,000 | $ 238,000 |
| Parkersburg-Vienna, WV | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Pocatello, ID | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Redding, CA | 1 | $ 255,000 | $ 255,000 | $ 225,000 |
| Rochester, MN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Rockford, IL | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,875,000 | $ 1,875,000 | $ 1,280,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 645,000 | $ 645,000 | $ 159,000 |
| San Rafael, CA | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Sebring, FL | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Sherman-Denison, TX | 1 | $ 315,000 | $ 315,000 | $ 160,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 175,000 | $ 175,000 | $ 107,000 |
| St. Cloud, MN | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Valdosta, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 115,000 | $ 115,000 | $ 20,000 |
| Wichita Falls, TX | 1 | $ 115,000 | $ 115,000 | $ 93,000 |
| Yuba City, CA | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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