M&T Bank Mortgage Lending & HMDA Data, 2021
In 2021, M&T Bank of Buffalo, NY reported 55,921 mortgage applications totaling $11.8 billion, down 4% from 2020. The average application was for $210,340, and applicants reported an average income of $121,408. 55% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (6,375), New York-Jersey City-White Plains, NY-NJ (4,244) and Baltimore-Columbia-Towson, MD (4,028) (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 | 55,921 |
| Total Mortgage Loan Application Amount | $11,762,465,000 |
| Average Mortgage Loan Application Amount | $210,340 |
| Highest Mortgage Loan Application Amount | $53,005,000 |
| Average Applicant Income | $121,408 |
| Highest Applicant Income | $8,576,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 6,375 | $ 995,115,000 | $ 156,096 | $ 103,000 |
| Outside any metro area | 4,502 | $ 613,620,000 | $ 136,299 | $ 90,971 |
| New York-Jersey City-White Plains, NY-NJ | 4,244 | $ 1,598,370,000 | $ 376,618 | $ 164,276 |
| Baltimore-Columbia-Towson, MD | 4,028 | $ 728,980,000 | $ 180,978 | $ 127,000 |
| Rochester, NY | 2,249 | $ 279,135,000 | $ 124,115 | $ 88,000 |
| New York-Newark, NY | 2,048 | $ 480,810,000 | $ 234,770 | $ 147,871 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,994 | $ 598,430,000 | $ 300,115 | $ 156,282 |
| Nassau County-Suffolk County, NY | 1,956 | $ 699,550,000 | $ 357,643 | $ 178,000 |
| Syracuse, NY | 1,220 | $ 163,980,000 | $ 134,409 | $ 110,000 |
| Washington-Baltimore-Arlington, DC | 1,065 | $ 300,185,000 | $ 281,863 | $ 178,000 |
| Newark, NJ-PA | 1,054 | $ 277,930,000 | $ 263,690 | $ 137,741 |
| Salisbury, MD-DE | 1,044 | $ 205,110,000 | $ 196,465 | $ 129,421 |
| Wilmington, DE-MD-NJ | 1,041 | $ 176,775,000 | $ 169,812 | $ 120,540 |
| York-Hanover, PA | 1,004 | $ 151,210,000 | $ 150,607 | $ 98,000 |
| Albany-Schenectady-Troy, NY | 886 | $ 160,810,000 | $ 181,501 | $ 113,000 |
| Binghamton, NY | 690 | $ 86,160,000 | $ 124,869 | $ 88,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 661 | $ 72,895,000 | $ 110,279 | $ 84,000 |
| Atlanta-Sandy Springs-Roswell, GA | 625 | $ 113,735,000 | $ 181,976 | $ 87,000 |
| Bridgeport-Stamford-Norwalk, CT | 563 | $ 178,375,000 | $ 316,829 | $ 194,000 |
| Philadelphia, PA | 563 | $ 94,205,000 | $ 167,326 | $ 100,000 |
| Montgomery County-Bucks County-Chester County, PA | 506 | $ 134,800,000 | $ 266,403 | $ 219,000 |
| Harrisburg-Carlisle, PA | 501 | $ 69,045,000 | $ 137,814 | $ 95,000 |
| Camden, NJ | 485 | $ 161,195,000 | $ 332,360 | $ 112,000 |
| Chicago-Naperville, IL | 427 | $ 89,095,000 | $ 208,653 | $ 112,000 |
| Hagerstown-Martinsburg, MD-WV | 400 | $ 58,290,000 | $ 145,725 | $ 91,217 |
| Utica-Rome, NY | 370 | $ 53,680,000 | $ 145,081 | $ 101,000 |
| Phoenix-Mesa-Scottsdale, AZ | 354 | $ 124,740,000 | $ 352,372 | $ 95,000 |
| Reading, PA | 339 | $ 43,155,000 | $ 127,300 | $ 85,000 |
| Lancaster, PA | 335 | $ 60,565,000 | $ 180,791 | $ 95,000 |
| Dover, DE | 330 | $ 46,500,000 | $ 140,909 | $ 93,000 |
| Houston-The Woodlands-Sugar Land, TX | 329 | $ 51,815,000 | $ 157,492 | $ 94,000 |
| Chambersburg-Waynesboro, PA | 321 | $ 40,965,000 | $ 127,616 | $ 86,000 |
| Kingston, NY | 320 | $ 53,360,000 | $ 166,750 | $ 107,000 |
| Richmond, VA | 283 | $ 64,545,000 | $ 228,074 | $ 100,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 282 | $ 44,260,000 | $ 156,950 | $ 101,411 |
| Riverside-San Bernardino-Ontario, CA | 260 | $ 63,960,000 | $ 246,000 | $ 94,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 242 | $ 45,040,000 | $ 186,115 | $ 99,694 |
| New Haven-Milford, CT | 233 | $ 47,435,000 | $ 203,583 | $ 109,000 |
| Los Angeles-Long Beach-Glendale, CA | 226 | $ 97,350,000 | $ 430,752 | $ 162,000 |
| Hartford-West Hartford-East Hartford, CT | 217 | $ 46,785,000 | $ 215,599 | $ 126,000 |
| Charlotte-Concord-Gastonia, NC-SC | 215 | $ 42,335,000 | $ 196,906 | $ 97,995 |
| Tampa-St. Petersburg-Clearwater, FL | 204 | $ 39,900,000 | $ 195,588 | $ 111,000 |
| Altoona, PA | 190 | $ 19,120,000 | $ 100,631 | $ 76,000 |
| Las Vegas-Henderson-Paradise, NV | 185 | $ 47,975,000 | $ 259,324 | $ 133,000 |
| Dallas-Plano-Irving, TX | 178 | $ 34,250,000 | $ 192,415 | $ 94,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 175 | $ 34,055,000 | $ 194,600 | $ 86,885 |
| Indianapolis-Carmel-Anderson, IN | 168 | $ 24,060,000 | $ 143,214 | $ 74,000 |
| Cumberland, MD-WV | 158 | $ 16,380,000 | $ 103,670 | $ 76,063 |
| Pittsburgh, PA | 158 | $ 22,530,000 | $ 142,594 | $ 97,000 |
| Providence-Warwick, RI-MA | 157 | $ 39,135,000 | $ 249,267 | $ 96,783 |
| Gettysburg, PA | 154 | $ 27,390,000 | $ 177,857 | $ 132,000 |
| St. Louis, MO-IL | 150 | $ 21,980,000 | $ 146,533 | $ 81,000 |
| Cleveland-Elyria, OH | 145 | $ 18,225,000 | $ 125,689 | $ 81,000 |
| Warren-Troy-Farmington Hills, MI | 144 | $ 20,970,000 | $ 145,625 | $ 75,000 |
| Orlando-Kissimmee-Sanford, FL | 142 | $ 29,250,000 | $ 205,985 | $ 94,000 |
| State College, PA | 141 | $ 24,675,000 | $ 175,000 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 137 | $ 34,435,000 | $ 251,350 | $ 220,000 |
| Jacksonville, FL | 133 | $ 27,235,000 | $ 204,774 | $ 121,000 |
| Ithaca, NY | 132 | $ 26,960,000 | $ 204,242 | $ 114,000 |
| San Antonio-New Braunfels, TX | 132 | $ 21,690,000 | $ 164,318 | $ 92,000 |
| Cincinnati, OH-KY-IN | 131 | $ 17,955,000 | $ 137,061 | $ 77,053 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 127 | $ 25,415,000 | $ 200,118 | $ 90,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 127 | $ 72,135,000 | $ 567,992 | $ 397,000 |
| Columbus, OH | 126 | $ 19,650,000 | $ 155,952 | $ 84,000 |
| Kansas City, MO-KS | 122 | $ 17,960,000 | $ 147,213 | $ 74,434 |
| Miami-Miami Beach-Kendall, FL | 119 | $ 56,855,000 | $ 477,773 | $ 227,000 |
| Fort Worth-Arlington, TX | 118 | $ 19,850,000 | $ 168,220 | $ 95,000 |
| Memphis, TN-MS-AR | 115 | $ 17,855,000 | $ 155,260 | $ 81,486 |
| Trenton, NJ | 115 | $ 26,705,000 | $ 232,217 | $ 127,000 |
| Cambridge-Newton-Framingham, MA | 113 | $ 51,305,000 | $ 454,026 | $ 202,000 |
| Boston, MA | 108 | $ 47,260,000 | $ 437,592 | $ 225,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 105 | $ 30,375,000 | $ 289,285 | $ 104,238 |
| Denver-Aurora-Lakewood, CO | 103 | $ 29,475,000 | $ 286,165 | $ 108,000 |
| Glens Falls, NY | 102 | $ 33,240,000 | $ 325,882 | $ 138,000 |
| Bloomsburg-Berwick, PA | 101 | $ 14,965,000 | $ 148,168 | $ 88,000 |
| Cape Coral-Fort Myers, FL | 101 | $ 27,455,000 | $ 271,831 | $ 236,000 |
| Worcester, MA-CT | 97 | $ 22,905,000 | $ 236,134 | $ 92,288 |
| Williamsport, PA | 96 | $ 10,460,000 | $ 108,958 | $ 59,000 |
| New Orleans-Metairie, LA | 94 | $ 16,190,000 | $ 172,234 | $ 80,000 |
| East Stroudsburg, PA | 87 | $ 13,505,000 | $ 155,229 | $ 112,000 |
| Austin-Round Rock, TX | 86 | $ 17,510,000 | $ 203,604 | $ 97,000 |
| Detroit-Dearborn-Livonia, MI | 86 | $ 10,140,000 | $ 117,906 | $ 74,000 |
| Lebanon, PA | 81 | $ 7,755,000 | $ 95,740 | $ 69,000 |
| Raleigh, NC | 80 | $ 35,390,000 | $ 442,375 | $ 83,000 |
| Seattle-Bellevue-Everett, WA | 80 | $ 26,900,000 | $ 336,250 | $ 121,000 |
| Oklahoma City, OK | 75 | $ 9,675,000 | $ 129,000 | $ 78,000 |
| San Diego-Carlsbad, CA | 74 | $ 34,450,000 | $ 465,540 | $ 111,000 |
| Elgin, IL | 72 | $ 13,600,000 | $ 188,888 | $ 91,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 72 | $ 20,660,000 | $ 286,944 | $ 110,000 |
| Louisville/Jefferson County, KY-IN | 71 | $ 9,315,000 | $ 131,197 | $ 69,225 |
| Tacoma-Lakewood, WA | 70 | $ 19,140,000 | $ 273,428 | $ 111,000 |
| Tucson, AZ | 70 | $ 11,060,000 | $ 158,000 | $ 80,000 |
| Atlantic City-Hammonton, NJ | 69 | $ 25,365,000 | $ 367,608 | $ 457,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 67 | $ 12,255,000 | $ 182,910 | $ 111,000 |
| North Port-Sarasota-Bradenton, FL | 67 | $ 26,685,000 | $ 398,283 | $ 321,000 |
| Ocean City, NJ | 67 | $ 50,895,000 | $ 759,626 | $ 638,000 |
| Elmira, NY | 66 | $ 6,740,000 | $ 102,121 | $ 72,000 |
| Greenville-Anderson-Mauldin, SC | 65 | $ 9,435,000 | $ 145,153 | $ 80,000 |
| Tulsa, OK | 65 | $ 8,585,000 | $ 132,076 | $ 72,000 |
| Springfield, MA | 64 | $ 10,980,000 | $ 171,562 | $ 79,000 |
| Columbia, SC | 63 | $ 8,745,000 | $ 138,809 | $ 76,000 |
| Gary, IN | 63 | $ 10,705,000 | $ 169,920 | $ 82,000 |
| Winston-Salem, NC | 63 | $ 9,605,000 | $ 152,460 | $ 78,000 |
| Baton Rouge, LA | 62 | $ 9,800,000 | $ 158,064 | $ 85,000 |
| Killeen-Temple, TX | 62 | $ 10,020,000 | $ 161,612 | $ 87,000 |
| Birmingham-Hoover, AL | 61 | $ 9,525,000 | $ 156,147 | $ 79,000 |
| Bakersfield, CA | 60 | $ 10,590,000 | $ 176,500 | $ 86,000 |
| Albuquerque, NM | 59 | $ 7,905,000 | $ 133,983 | $ 74,000 |
| Oakland-Hayward-Berkeley, CA | 56 | $ 21,800,000 | $ 389,285 | $ 135,000 |
| Milwaukee-Waukesha-West Allis, WI | 54 | $ 9,970,000 | $ 184,629 | $ 99,000 |
| Charleston-North Charleston, SC | 52 | $ 12,690,000 | $ 244,038 | $ 132,000 |
| Greensboro-High Point, NC | 51 | $ 6,955,000 | $ 136,372 | $ 79,000 |
| Norwich-New London, CT | 49 | $ 10,225,000 | $ 208,673 | $ 138,000 |
| Port St. Lucie, FL | 49 | $ 11,315,000 | $ 230,918 | $ 131,000 |
| Lakeland-Winter Haven, FL | 48 | $ 7,840,000 | $ 163,333 | $ 93,000 |
| Wichita, KS | 48 | $ 5,800,000 | $ 120,833 | $ 81,000 |
| Salt Lake City, UT | 47 | $ 10,385,000 | $ 220,957 | $ 82,000 |
| Montgomery, AL | 44 | $ 5,540,000 | $ 125,909 | $ 71,000 |
| Akron, OH | 43 | $ 6,065,000 | $ 141,046 | $ 82,000 |
| California-Lexington Park, MD | 43 | $ 5,545,000 | $ 128,953 | $ 114,000 |
| Jackson, MS | 43 | $ 6,545,000 | $ 152,209 | $ 80,000 |
| Fresno, CA | 42 | $ 8,190,000 | $ 195,000 | $ 82,000 |
| Lake County-Kenosha County, IL-WI | 41 | $ 7,585,000 | $ 185,000 | $ 115,780 |
| Savannah, GA | 41 | $ 6,465,000 | $ 157,682 | $ 89,000 |
| Fayetteville, NC | 40 | $ 5,960,000 | $ 149,000 | $ 89,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 40 | $ 8,660,000 | $ 216,500 | $ 119,600 |
| Pensacola-Ferry Pass-Brent, FL | 40 | $ 7,610,000 | $ 190,250 | $ 83,000 |
| Dayton-Springfield-Kettering, OH | 39 | $ 4,515,000 | $ 115,769 | $ 66,000 |
| Knoxville, TN | 39 | $ 7,455,000 | $ 191,153 | $ 97,000 |
| Naples-Immokalee-Marco Island, FL | 38 | $ 20,740,000 | $ 545,789 | $ 677,000 |
| Omaha-Council Bluffs, NE-IA | 38 | $ 5,060,000 | $ 133,157 | $ 83,526 |
| Palm Bay-Melbourne-Titusville, FL | 38 | $ 6,830,000 | $ 179,736 | $ 83,000 |
| Rockingham County-Strafford County, NH | 37 | $ 10,645,000 | $ 287,702 | $ 134,000 |
| Augusta-Richmond County, GA-SC | 36 | $ 5,140,000 | $ 142,777 | $ 77,750 |
| Stockton-Lodi, CA | 36 | $ 9,510,000 | $ 264,166 | $ 92,000 |
| Anaheim-Santa Ana-Irvine, CA | 35 | $ 22,235,000 | $ 635,285 | $ 252,000 |
| Little Rock-North Little Rock-Conway, AR | 35 | $ 4,235,000 | $ 121,000 | $ 80,000 |
| Visalia-Porterville, CA | 35 | $ 6,065,000 | $ 173,285 | $ 83,000 |
| El Paso, TX | 34 | $ 4,130,000 | $ 121,470 | $ 70,000 |
| Huntsville, AL | 34 | $ 5,020,000 | $ 147,647 | $ 75,000 |
| Colorado Springs, CO | 33 | $ 7,405,000 | $ 224,393 | $ 82,000 |
| Crestview-Fort Walton Beach-Destin, FL | 33 | $ 7,455,000 | $ 225,909 | $ 91,000 |
| Des Moines-West Des Moines, IA | 33 | $ 4,445,000 | $ 134,696 | $ 69,000 |
| Manchester-Nashua, NH | 33 | $ 8,645,000 | $ 261,969 | $ 99,000 |
| Modesto, CA | 31 | $ 6,815,000 | $ 219,838 | $ 93,000 |
| Spokane-Spokane Valley, WA | 31 | $ 6,135,000 | $ 197,903 | $ 87,000 |
| Watertown-Fort Drum, NY | 31 | $ 4,735,000 | $ 152,741 | $ 101,000 |
| Portland-South Portland, ME | 30 | $ 7,710,000 | $ 257,000 | $ 109,000 |
| Erie, PA | 29 | $ 3,585,000 | $ 123,620 | $ 73,000 |
| Vallejo-Fairfield, CA | 29 | $ 8,735,000 | $ 301,206 | $ 108,000 |
| Durham-Chapel Hill, NC | 28 | $ 46,080,000 | $ 1,645,714 | $ 104,000 |
| Mobile, AL | 28 | $ 3,210,000 | $ 114,642 | $ 70,000 |
| Ogden-Clearfield, UT | 28 | $ 4,810,000 | $ 171,785 | $ 69,000 |
| Springfield, MO | 28 | $ 4,070,000 | $ 145,357 | $ 80,000 |
| Winchester, VA-WV | 28 | $ 4,610,000 | $ 164,642 | $ 93,964 |
| Canton-Massillon, OH | 26 | $ 2,920,000 | $ 112,307 | $ 81,000 |
| Chattanooga, TN-GA | 26 | $ 3,640,000 | $ 140,000 | $ 88,384 |
| Fayetteville-Springdale-Rogers, AR-MO | 26 | $ 3,750,000 | $ 144,230 | $ 80,000 |
| Flint, MI | 26 | $ 4,930,000 | $ 189,615 | $ 143,000 |
| Vineland-Bridgeton, NJ | 26 | $ 4,110,000 | $ 158,076 | $ 79,000 |
| Boise City, ID | 25 | $ 6,305,000 | $ 252,200 | $ 91,000 |
| Lexington-Fayette, KY | 25 | $ 3,285,000 | $ 131,400 | $ 66,000 |
| McAllen-Edinburg-Mission, TX | 25 | $ 3,425,000 | $ 137,000 | $ 107,000 |
| Shreveport-Bossier City, LA | 25 | $ 3,685,000 | $ 147,400 | $ 62,000 |
| Youngstown-Warren-Boardman, OH-PA | 25 | $ 2,695,000 | $ 107,800 | $ 62,320 |
| Clarksville, TN-KY | 23 | $ 4,165,000 | $ 181,086 | $ 70,043 |
| Gulfport-Biloxi-Pascagoula, MS | 23 | $ 3,525,000 | $ 153,260 | $ 66,000 |
| Roanoke, VA | 23 | $ 3,675,000 | $ 159,782 | $ 75,000 |
| Toledo, OH | 23 | $ 3,135,000 | $ 136,304 | $ 80,000 |
| Topeka, KS | 23 | $ 3,305,000 | $ 143,695 | $ 72,000 |
| Columbus, GA-AL | 22 | $ 3,120,000 | $ 141,818 | $ 79,863 |
| Grand Rapids-Wyoming, MI | 22 | $ 3,530,000 | $ 160,454 | $ 70,000 |
| Fort Wayne, IN | 21 | $ 2,775,000 | $ 132,142 | $ 67,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 21 | $ 6,275,000 | $ 298,809 | $ 291,000 |
| Salem, OR | 21 | $ 3,835,000 | $ 182,619 | $ 82,000 |
| South Bend-Mishawaka, IN-MI | 21 | $ 2,535,000 | $ 120,714 | $ 76,761 |
| Spartanburg, SC | 20 | $ 3,100,000 | $ 155,000 | $ 76,000 |
| Hickory-Lenoir-Morganton, NC | 19 | $ 2,485,000 | $ 130,789 | $ 70,000 |
| Ocala, FL | 19 | $ 2,905,000 | $ 152,894 | $ 79,000 |
| Lansing-East Lansing, MI | 18 | $ 2,170,000 | $ 120,555 | $ 75,000 |
| Lynchburg, VA | 18 | $ 2,650,000 | $ 147,222 | $ 92,000 |
| Olympia-Tumwater, WA | 18 | $ 4,660,000 | $ 258,888 | $ 92,000 |
| Warner Robins, GA | 18 | $ 2,620,000 | $ 145,555 | $ 95,000 |
| Barnstable Town, MA | 17 | $ 7,915,000 | $ 465,588 | $ 219,000 |
| Davenport-Moline-Rock Island, IA-IL | 17 | $ 1,865,000 | $ 109,705 | $ 75,941 |
| Florence, SC | 17 | $ 2,235,000 | $ 131,470 | $ 52,000 |
| Gainesville, FL | 17 | $ 2,515,000 | $ 147,941 | $ 71,000 |
| Jacksonville, NC | 17 | $ 2,255,000 | $ 132,647 | $ 71,000 |
| Wilmington, NC | 17 | $ 2,705,000 | $ 159,117 | $ 74,000 |
| Anchorage, AK | 16 | $ 5,070,000 | $ 316,875 | $ 100,000 |
| Asheville, NC | 16 | $ 3,330,000 | $ 208,125 | $ 399,000 |
| Johnstown, PA | 16 | $ 2,400,000 | $ 150,000 | $ 109,000 |
| Lafayette, LA | 16 | $ 2,060,000 | $ 128,750 | $ 56,000 |
| Pueblo, CO | 16 | $ 2,480,000 | $ 155,000 | $ 97,000 |
| Rockford, IL | 16 | $ 1,690,000 | $ 105,625 | $ 82,000 |
| Corpus Christi, TX | 15 | $ 1,785,000 | $ 119,000 | $ 76,000 |
| Morgantown, WV | 15 | $ 2,565,000 | $ 171,000 | $ 151,000 |
| Sebastian-Vero Beach, FL | 15 | $ 8,725,000 | $ 581,666 | $ 408,000 |
| Bremerton-Silverdale, WA | 14 | $ 3,670,000 | $ 262,142 | $ 102,000 |
| Charlottesville, VA | 14 | $ 3,980,000 | $ 284,285 | $ 247,000 |
| Eugene, OR | 14 | $ 2,730,000 | $ 195,000 | $ 65,000 |
| Green Bay, WI | 14 | $ 1,610,000 | $ 115,000 | $ 107,000 |
| Homosassa Springs, FL | 14 | $ 2,020,000 | $ 144,285 | $ 76,000 |
| Kennewick-Richland, WA | 14 | $ 2,530,000 | $ 180,714 | $ 78,000 |
| Urban Honolulu, HI | 14 | $ 4,320,000 | $ 308,571 | $ 74,000 |
| Burlington, NC | 13 | $ 2,085,000 | $ 160,384 | $ 86,000 |
| Greeley, CO | 13 | $ 3,025,000 | $ 232,692 | $ 87,000 |
| Huntington-Ashland, WV-KY-OH | 13 | $ 1,585,000 | $ 121,923 | $ 108,461 |
| Jackson, MI | 13 | $ 1,625,000 | $ 125,000 | $ 69,000 |
| Lubbock, TX | 13 | $ 1,595,000 | $ 122,692 | $ 82,000 |
| Punta Gorda, FL | 13 | $ 2,045,000 | $ 157,307 | $ 93,000 |
| Reno, NV | 13 | $ 3,305,000 | $ 254,230 | $ 84,000 |
| Yuma, AZ | 13 | $ 1,765,000 | $ 135,769 | $ 79,000 |
| Appleton, WI | 12 | $ 1,780,000 | $ 148,333 | $ 75,000 |
| Kalamazoo-Portage, MI | 12 | $ 1,650,000 | $ 137,500 | $ 88,000 |
| Panama City, FL | 12 | $ 2,590,000 | $ 215,833 | $ 109,000 |
| Peoria, IL | 12 | $ 1,150,000 | $ 95,833 | $ 93,000 |
| St. Cloud, MN | 12 | $ 2,010,000 | $ 167,500 | $ 106,000 |
| Ann Arbor, MI | 11 | $ 2,355,000 | $ 214,090 | $ 176,000 |
| Beaumont-Port Arthur, TX | 11 | $ 8,345,000 | $ 758,636 | $ 72,000 |
| Daphne-Fairhope-Foley, AL | 11 | $ 2,545,000 | $ 231,363 | $ 132,000 |
| Lake Havasu City-Kingman, AZ | 11 | $ 2,135,000 | $ 194,090 | $ 93,000 |
| Laredo, TX | 11 | $ 1,545,000 | $ 140,454 | $ 116,000 |
| Lincoln, NE | 11 | $ 1,685,000 | $ 153,181 | $ 107,000 |
| Midland, TX | 11 | $ 1,685,000 | $ 153,181 | $ 77,000 |
| Provo-Orem, UT | 11 | $ 2,345,000 | $ 213,181 | $ 57,000 |
| Salinas, CA | 11 | $ 5,125,000 | $ 465,909 | $ 143,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 5,115,000 | $ 465,000 | $ 153,000 |
| Santa Maria-Santa Barbara, CA | 11 | $ 5,515,000 | $ 501,363 | $ 105,000 |
| Billings, MT | 10 | $ 2,100,000 | $ 210,000 | $ 67,000 |
| Brownsville-Harlingen, TX | 10 | $ 980,000 | $ 98,000 | $ 64,000 |
| Duluth, MN-WI | 10 | $ 1,430,000 | $ 143,000 | $ 84,300 |
| El Centro, CA | 10 | $ 1,810,000 | $ 181,000 | $ 96,000 |
| Greenville, NC | 10 | $ 1,170,000 | $ 117,000 | $ 68,000 |
| Lafayette-West Lafayette, IN | 10 | $ 1,080,000 | $ 108,000 | $ 56,000 |
| Macon-Bibb County, GA | 10 | $ 1,090,000 | $ 109,000 | $ 71,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 5,210,000 | $ 521,000 | $ 172,000 |
| St. Joseph, MO-KS | 10 | $ 1,150,000 | $ 115,000 | $ 65,000 |
| The Villages, FL | 10 | $ 2,550,000 | $ 255,000 | $ 135,000 |
| Bangor, ME | 9 | $ 1,445,000 | $ 160,555 | $ 92,000 |
| Cedar Rapids, IA | 9 | $ 1,225,000 | $ 136,111 | $ 93,000 |
| Dothan, AL | 9 | $ 1,085,000 | $ 120,555 | $ 73,000 |
| Evansville, IN-KY | 9 | $ 885,000 | $ 98,333 | $ 38,000 |
| Flagstaff, AZ | 9 | $ 2,045,000 | $ 227,222 | $ 84,000 |
| Gainesville, GA | 9 | $ 1,515,000 | $ 168,333 | $ 73,000 |
| Grand Junction, CO | 9 | $ 1,425,000 | $ 158,333 | $ 56,000 |
| Hanford-Corcoran, CA | 9 | $ 1,415,000 | $ 157,222 | $ 72,000 |
| Parkersburg-Vienna, WV | 9 | $ 995,000 | $ 110,555 | $ 135,000 |
| Pittsfield, MA | 9 | $ 1,655,000 | $ 183,888 | $ 275,000 |
| Prescott Valley-Prescott, AZ | 9 | $ 3,595,000 | $ 399,444 | $ 135,000 |
| Sierra Vista-Douglas, AZ | 9 | $ 1,535,000 | $ 170,555 | $ 103,000 |
| Sioux Falls, SD | 9 | $ 1,765,000 | $ 196,111 | $ 64,000 |
| Waco, TX | 9 | $ 995,000 | $ 110,555 | $ 55,000 |
| Abilene, TX | 8 | $ 1,010,000 | $ 126,250 | $ 113,000 |
| Amarillo, TX | 8 | $ 740,000 | $ 92,500 | $ 144,000 |
| Athens-Clarke County, GA | 8 | $ 1,000,000 | $ 125,000 | $ 81,000 |
| Auburn-Opelika, AL | 8 | $ 880,000 | $ 110,000 | $ 65,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 1,240,000 | $ 155,000 | $ 62,000 |
| Columbus, IN | 8 | $ 1,320,000 | $ 165,000 | $ 75,000 |
| Elizabethtown-Fort Knox, KY | 8 | $ 1,280,000 | $ 160,000 | $ 102,000 |
| Elkhart-Goshen, IN | 8 | $ 1,140,000 | $ 142,500 | $ 80,000 |
| Harrisonburg, VA | 8 | $ 1,600,000 | $ 200,000 | $ 124,000 |
| Lake Charles, LA | 8 | $ 1,100,000 | $ 137,500 | $ 71,000 |
| Logan, UT-ID | 8 | $ 1,360,000 | $ 170,000 | $ 53,125 |
| Longview, TX | 8 | $ 760,000 | $ 95,000 | $ 75,000 |
| Madison, WI | 8 | $ 1,510,000 | $ 188,750 | $ 126,000 |
| Medford, OR | 8 | $ 1,800,000 | $ 225,000 | $ 72,000 |
| Monroe, MI | 8 | $ 1,190,000 | $ 148,750 | $ 107,000 |
| Muskegon, MI | 8 | $ 1,070,000 | $ 133,750 | $ 65,000 |
| Rocky Mount, NC | 8 | $ 1,120,000 | $ 140,000 | $ 54,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 3,590,000 | $ 448,750 | $ 181,000 |
| Staunton-Waynesboro, VA | 8 | $ 2,050,000 | $ 256,250 | $ 122,000 |
| Tuscaloosa, AL | 8 | $ 1,040,000 | $ 130,000 | $ 121,000 |
| Wausau, WI | 8 | $ 1,590,000 | $ 198,750 | $ 174,000 |
| Albany, GA | 7 | $ 745,000 | $ 106,428 | $ 92,000 |
| Anniston-Oxford-Jacksonville, AL | 7 | $ 895,000 | $ 127,857 | $ 69,000 |
| Boulder, CO | 7 | $ 2,525,000 | $ 360,714 | $ 109,000 |
| Brunswick, GA | 7 | $ 2,205,000 | $ 315,000 | $ 233,000 |
| Champaign-Urbana, IL | 7 | $ 905,000 | $ 129,285 | $ 77,000 |
| Hammond, LA | 7 | $ 955,000 | $ 136,428 | $ 56,000 |
| Hattiesburg, MS | 7 | $ 1,025,000 | $ 146,428 | $ 39,000 |
| Hinesville, GA | 7 | $ 1,045,000 | $ 149,285 | $ 120,000 |
| Idaho Falls, ID | 7 | $ 1,265,000 | $ 180,714 | $ 85,000 |
| Johnson City, TN | 7 | $ 1,005,000 | $ 143,571 | $ 60,000 |
| Jonesboro, AR | 7 | $ 835,000 | $ 119,285 | $ 68,000 |
| Joplin, MO | 7 | $ 675,000 | $ 96,428 | $ 75,000 |
| Lewiston-Auburn, ME | 7 | $ 995,000 | $ 142,142 | $ 57,000 |
| Merced, CA | 7 | $ 1,565,000 | $ 223,571 | $ 78,000 |
| Muncie, IN | 7 | $ 635,000 | $ 90,714 | $ 75,000 |
| Oshkosh-Neenah, WI | 7 | $ 785,000 | $ 112,142 | $ 75,000 |
| Rochester, MN | 7 | $ 895,000 | $ 127,857 | $ 48,000 |
| Santa Rosa, CA | 7 | $ 5,325,000 | $ 760,714 | $ 121,000 |
| Sheboygan, WI | 7 | $ 1,025,000 | $ 146,428 | $ 68,000 |
| Springfield, IL | 7 | $ 895,000 | $ 127,857 | $ 72,000 |
| St. George, UT | 7 | $ 2,325,000 | $ 332,142 | $ 130,000 |
| Yakima, WA | 7 | $ 755,000 | $ 107,857 | $ 56,000 |
| Battle Creek, MI | 6 | $ 740,000 | $ 123,333 | $ 97,000 |
| Bend-Redmond, OR | 6 | $ 1,160,000 | $ 193,333 | $ 96,000 |
| Casper, WY | 6 | $ 840,000 | $ 140,000 | $ 68,000 |
| Columbia, MO | 6 | $ 950,000 | $ 158,333 | $ 111,000 |
| Decatur, AL | 6 | $ 850,000 | $ 141,666 | $ 79,000 |
| Farmington, NM | 6 | $ 1,010,000 | $ 168,333 | $ 66,000 |
| Goldsboro, NC | 6 | $ 730,000 | $ 121,666 | $ 73,000 |
| Lewiston, ID-WA | 6 | $ 630,000 | $ 105,000 | $ 49,000 |
| Madera, CA | 6 | $ 1,180,000 | $ 196,666 | $ 80,000 |
| Mansfield, OH | 6 | $ 510,000 | $ 85,000 | $ 76,000 |
| Morristown, TN | 6 | $ 990,000 | $ 165,000 | $ 73,000 |
| Pine Bluff, AR | 6 | $ 730,000 | $ 121,666 | $ 68,000 |
| Rapid City, SD | 6 | $ 740,000 | $ 123,333 | $ 52,000 |
| Saginaw, MI | 6 | $ 650,000 | $ 108,333 | $ 74,000 |
| Tallahassee, FL | 6 | $ 780,000 | $ 130,000 | $ 122,000 |
| Wichita Falls, TX | 6 | $ 650,000 | $ 108,333 | $ 70,000 |
| Beckley, WV | 5 | $ 495,000 | $ 99,000 | $ 86,000 |
| Bellingham, WA | 5 | $ 1,035,000 | $ 207,000 | $ 72,000 |
| Burlington-South Burlington, VT | 5 | $ 1,265,000 | $ 253,000 | $ 138,000 |
| Charleston, WV | 5 | $ 875,000 | $ 175,000 | $ 114,000 |
| Chico, CA | 5 | $ 1,025,000 | $ 205,000 | $ 65,000 |
| College Station-Bryan, TX | 5 | $ 875,000 | $ 175,000 | $ 134,000 |
| Dalton, GA | 5 | $ 485,000 | $ 97,000 | $ 64,000 |
| Fort Collins, CO | 5 | $ 1,065,000 | $ 213,000 | $ 106,000 |
| Fort Smith, AR-OK | 5 | $ 575,000 | $ 115,000 | $ 44,000 |
| Gadsden, AL | 5 | $ 825,000 | $ 165,000 | $ 69,000 |
| Grants Pass, OR | 5 | $ 1,145,000 | $ 229,000 | $ 101,000 |
| Houma-Thibodaux, LA | 5 | $ 825,000 | $ 165,000 | $ 56,000 |
| Kahului-Wailuku-Lahaina, HI | 5 | $ 2,225,000 | $ 445,000 | $ 79,000 |
| Kokomo, IN | 5 | $ 565,000 | $ 113,000 | $ 92,000 |
| Lawton, OK | 5 | $ 745,000 | $ 149,000 | $ 57,000 |
| Midland, MI | 5 | $ 435,000 | $ 87,000 | $ 49,000 |
| Napa, CA | 5 | $ 2,115,000 | $ 423,000 | $ 115,000 |
| New Bern, NC | 5 | $ 1,545,000 | $ 309,000 | $ 93,000 |
| Sherman-Denison, TX | 5 | $ 635,000 | $ 127,000 | $ 77,000 |
| Sumter, SC | 5 | $ 555,000 | $ 111,000 | $ 32,000 |
| Texarkana, TX-AR | 5 | $ 575,000 | $ 115,000 | $ 78,400 |
| Twin Falls, ID | 5 | $ 985,000 | $ 197,000 | $ 167,000 |
| Tyler, TX | 5 | $ 605,000 | $ 121,000 | $ 52,000 |
| Wheeling, WV-OH | 5 | $ 365,000 | $ 73,000 | $ 84,000 |
| Ames, IA | 4 | $ 550,000 | $ 137,500 | $ 74,000 |
| Cheyenne, WY | 4 | $ 580,000 | $ 145,000 | $ 149,000 |
| Cleveland, TN | 4 | $ 500,000 | $ 125,000 | $ 47,000 |
| Coeur D'Alene, ID | 4 | $ 1,040,000 | $ 260,000 | $ 100,000 |
| Fond Du Lac, WI | 4 | $ 490,000 | $ 122,500 | $ 73,000 |
| Great Falls, MT | 4 | $ 790,000 | $ 197,500 | $ 79,000 |
| Hot Springs, AR | 4 | $ 750,000 | $ 187,500 | $ 53,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 410,000 | $ 102,500 | $ 71,000 |
| Las Cruces, NM | 4 | $ 790,000 | $ 197,500 | $ 138,000 |
| Longview, WA | 4 | $ 950,000 | $ 237,500 | $ 88,000 |
| Mankato-North Mankato, MN | 4 | $ 470,000 | $ 117,500 | $ 77,000 |
| Missoula, MT | 4 | $ 990,000 | $ 247,500 | $ 121,000 |
| Monroe, LA | 4 | $ 550,000 | $ 137,500 | $ 73,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 870,000 | $ 217,500 | $ 104,000 |
| Niles-Benton Harbor, MI | 4 | $ 670,000 | $ 167,500 | $ 54,000 |
| Redding, CA | 4 | $ 820,000 | $ 205,000 | $ 66,000 |
| Rome, GA | 4 | $ 390,000 | $ 97,500 | $ 66,000 |
| Santa Fe, NM | 4 | $ 720,000 | $ 180,000 | $ 200,000 |
| Sioux City, IA-NE-SD | 4 | $ 430,000 | $ 107,500 | $ 65,750 |
| Victoria, TX | 4 | $ 350,000 | $ 87,500 | $ 88,000 |
| Wenatchee, WA | 4 | $ 1,250,000 | $ 312,500 | $ 127,000 |
| Albany, OR | 3 | $ 705,000 | $ 235,000 | $ 80,000 |
| Bay City, MI | 3 | $ 335,000 | $ 111,666 | $ 91,000 |
| Bismarck, ND | 3 | $ 645,000 | $ 215,000 | $ 152,000 |
| Bloomington, IL | 3 | $ 635,000 | $ 211,666 | $ 140,000 |
| Bloomington, IN | 3 | $ 395,000 | $ 131,666 | $ 50,000 |
| Bowling Green, KY | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Fargo, ND-MN | 3 | $ 285,000 | $ 95,000 | $ 49,666 |
| Florence-Muscle Shoals, AL | 3 | $ 325,000 | $ 108,333 | $ 77,000 |
| Jackson, TN | 3 | $ 225,000 | $ 75,000 | $ 50,000 |
| Janesville-Beloit, WI | 3 | $ 475,000 | $ 158,333 | $ 95,000 |
| Lawrence, KS | 3 | $ 525,000 | $ 175,000 | $ 103,000 |
| Lima, OH | 3 | $ 305,000 | $ 101,666 | $ 39,000 |
| Manhattan, KS | 3 | $ 415,000 | $ 138,333 | $ 66,000 |
| Odessa, TX | 3 | $ 245,000 | $ 81,666 | $ 100,000 |
| Pocatello, ID | 3 | $ 265,000 | $ 88,333 | $ 45,000 |
| San Angelo, TX | 3 | $ 335,000 | $ 111,666 | $ 59,000 |
| Springfield, OH | 3 | $ 255,000 | $ 85,000 | $ 65,000 |
| Valdosta, GA | 3 | $ 335,000 | $ 111,666 | $ 60,000 |
| Walla Walla, WA | 3 | $ 485,000 | $ 161,666 | $ 71,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 275,000 | $ 91,666 | $ 71,000 |
| Alexandria, LA | 2 | $ 480,000 | $ 240,000 | $ 115,000 |
| Danville, IL | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| Decatur, IL | 2 | $ 100,000 | $ 50,000 | $ 98,000 |
| Eau Claire, WI | 2 | $ 300,000 | $ 150,000 | $ 53,000 |
| Enid, OK | 2 | $ 260,000 | $ 130,000 | $ 42,000 |
| Grand Island, NE | 2 | $ 300,000 | $ 150,000 | $ 97,000 |
| Iowa City, IA | 2 | $ 300,000 | $ 150,000 | $ 42,000 |
| Jefferson City, MO | 2 | $ 390,000 | $ 195,000 | $ 65,000 |
| Kankakee, IL | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| Michigan City-La Porte, IN | 2 | $ 230,000 | $ 115,000 | $ 60,000 |
| Owensboro, KY | 2 | $ 190,000 | $ 95,000 | $ 39,000 |
| Racine, WI | 2 | $ 260,000 | $ 130,000 | $ 143,000 |
| San Rafael, CA | 2 | $ 1,680,000 | $ 840,000 | $ 171,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 910,000 | $ 455,000 | $ 136,000 |
| Sebring, FL | 2 | $ 490,000 | $ 245,000 | $ 104,000 |
| Terre Haute, IN | 2 | $ 330,000 | $ 165,000 | $ 74,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 180,000 | $ 90,000 | $ 88,000 |
| Yuba City, CA | 2 | $ 330,000 | $ 165,000 | $ 40,000 |
| Arecibo, PR | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Cape Girardeau, MO-IL | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Carson City, NV | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Dubuque, IA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Fairbanks, AK | 1 | $ 285,000 | $ 285,000 | $ 0 |
| La Crosse-Onalaska, WI-MN | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 385,000 | $ 385,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for M&T Bank in 2021
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 | 15,683 | $3,477,355,000 | $221,000 | $53,005,000 | $120,000 | $7,587,000 |
| Home Purchase | 13,359 | $3,804,165,000 | $284,000 | $41,605,000 | $123,000 | $7,189,000 |
| Cash-out Refinancing | 10,492 | $2,500,300,000 | $238,000 | $11,705,000 | $108,000 | $5,850,000 |
| Home Improvement | 8,983 | $873,125,000 | $97,000 | $12,005,000 | $127,000 | $7,923,000 |
| Not Applicable | 3,837 | $616,315,000 | $160,000 | $805,000 | $0 | $0 |
| Other Purpose | 3,567 | $491,205,000 | $137,000 | $10,505,000 | $147,000 | $8,576,000 |
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 | 31,861 | $5,912,995,000 | $185,000 | $15,005,000 | $127,000 | $8,576,000 |
| Not applicable | 8,666 | $2,727,980,000 | $314,000 | $53,005,000 | $116,000 | $1,490,000 |
| Black or African American | 5,669 | $995,275,000 | $175,000 | $1,505,000 | $90,000 | $5,454,000 |
| Not Provided | 3,750 | $833,540,000 | $222,000 | $11,705,000 | $138,000 | $7,587,000 |
| Hispanic | 3,526 | $658,980,000 | $186,000 | $1,685,000 | $90,000 | $1,218,000 |
| Asian | 1,631 | $462,735,000 | $283,000 | $2,285,000 | $144,000 | $7,189,000 |
| American Indian or Alaskan Native | 244 | $41,460,000 | $169,000 | $1,005,000 | $95,000 | $528,000 |
| Native Hawaiian or Other Pacific Islander | 45 | $8,875,000 | $197,000 | $605,000 | $83,000 | $217,000 |
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) | 43,679 | $9,018,625,000 | $206,000 | $53,005,000 | $128,000 | $8,576,000 |
| FHA-insured (Federal Housing Administration) | 10,228 | $2,254,240,000 | $220,000 | $1,295,000 | $79,000 | $554,000 |
| VA-guaranteed (Veterans Administration) | 1,859 | $466,975,000 | $251,000 | $1,265,000 | $98,000 | $461,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 155 | $22,625,000 | $145,000 | $385,000 | $52,000 | $116,000 |
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 | 30,860 | $6,587,730,000 | $213,000 | $53,005,000 | $129,000 | $8,576,000 |
| Application Denied By Financial Institution | 9,837 | $1,525,085,000 | $155,000 | $15,005,000 | $101,000 | $5,812,000 |
| Loan Purchased By The Institution | 8,215 | $2,126,415,000 | $258,000 | $1,615,000 | $116,000 | $1,490,000 |
| Application Withdrawn By Applicant | 4,236 | $1,042,210,000 | $246,000 | $23,125,000 | $117,000 | $5,850,000 |
| File Closed For Incompleteness | 1,635 | $300,775,000 | $183,000 | $1,055,000 | $106,000 | $7,923,000 |
| Application Approved But Not Accepted | 1,138 | $180,250,000 | $158,000 | $1,985,000 | $120,000 | $3,630,000 |
| 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 | 46,084 | $10,237,380,000 | $222,000 | $53,005,000 | $126,000 | $8,576,000 |
| Debt-To-Income Ratio | 2,782 | $485,380,000 | $174,000 | $3,165,000 | $63,000 | $620,000 |
| Credit History | 2,658 | $247,460,000 | $93,000 | $805,000 | $102,000 | $2,400,000 |
| Collateral | 2,015 | $306,515,000 | $152,000 | $2,005,000 | $133,000 | $5,454,000 |
| Other | 1,136 | $187,110,000 | $164,000 | $1,475,000 | $140,000 | $5,812,000 |
| Credit Application Incomplete | 788 | $209,990,000 | $266,000 | $15,005,000 | $114,000 | $1,701,000 |
| Unverifiable Information | 230 | $45,820,000 | $199,000 | $1,005,000 | $94,000 | $650,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 130 | $26,760,000 | $205,000 | $3,005,000 | $85,000 | $902,000 |
| Employment History | 93 | $15,055,000 | $161,000 | $455,000 | $73,000 | $355,000 |
| Mortgage Insurance Denied | 5 | $995,000 | $199,000 | $495,000 | $91,000 | $141,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M&T Bank's 2021 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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