M&T Bank Mortgage Lending & HMDA Data, 2023
In 2023, M&T Bank of Buffalo, NY reported 32,719 mortgage applications totaling $6.8 billion, down 33% from 2022. The average application was for $209,190, and applicants reported an average income of $143,353. 54% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (3,494), Baltimore-Columbia-Towson, MD (2,389) and New York-Jersey City-White Plains, NY-NJ (2,205) (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 | 32,719 |
| Total Mortgage Loan Application Amount | $6,844,505,000 |
| Average Mortgage Loan Application Amount | $209,190 |
| Highest Mortgage Loan Application Amount | $93,005,000 |
| Average Applicant Income | $143,353 |
| Highest Applicant Income | $8,571,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,494 | $ 536,530,000 | $ 153,557 | $ 118,000 |
| Outside any metro area | 2,957 | $ 423,425,000 | $ 143,194 | $ 111,068 |
| Baltimore-Columbia-Towson, MD | 2,389 | $ 375,515,000 | $ 157,185 | $ 131,000 |
| New York-Jersey City-White Plains, NY-NJ | 2,205 | $ 738,345,000 | $ 334,850 | $ 184,453 |
| Nassau County-Suffolk County, NY | 1,268 | $ 332,750,000 | $ 262,421 | $ 191,000 |
| New York-Newark, NY | 1,256 | $ 280,490,000 | $ 223,320 | $ 155,435 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,174 | $ 344,970,000 | $ 293,841 | $ 183,827 |
| Bridgeport-Stamford-Norwalk, CT | 1,153 | $ 308,895,000 | $ 267,905 | $ 215,000 |
| Hartford-West Hartford-East Hartford, CT | 1,062 | $ 214,660,000 | $ 202,128 | $ 136,000 |
| Rochester, NY | 1,060 | $ 122,470,000 | $ 115,537 | $ 108,000 |
| York-Hanover, PA | 721 | $ 110,825,000 | $ 153,710 | $ 109,000 |
| Syracuse, NY | 662 | $ 79,970,000 | $ 120,800 | $ 100,000 |
| Salisbury, MD-DE | 639 | $ 192,265,000 | $ 300,884 | $ 119,474 |
| Newark, NJ-PA | 623 | $ 151,385,000 | $ 242,993 | $ 158,592 |
| New Haven-Milford, CT | 621 | $ 104,865,000 | $ 168,864 | $ 138,000 |
| Washington-Baltimore-Arlington, DC | 549 | $ 143,565,000 | $ 261,502 | $ 172,000 |
| Wilmington, DE-MD-NJ | 544 | $ 90,410,000 | $ 166,194 | $ 137,544 |
| Binghamton, NY | 480 | $ 50,270,000 | $ 104,729 | $ 88,000 |
| Cambridge-Newton-Framingham, MA | 431 | $ 191,935,000 | $ 445,324 | $ 249,000 |
| Albany-Schenectady-Troy, NY | 427 | $ 72,025,000 | $ 168,676 | $ 123,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 410 | $ 46,450,000 | $ 113,292 | $ 90,000 |
| Harrisburg-Carlisle, PA | 349 | $ 44,025,000 | $ 126,146 | $ 101,000 |
| Boston, MA | 338 | $ 204,810,000 | $ 605,946 | $ 323,000 |
| Springfield, MA | 325 | $ 43,325,000 | $ 133,307 | $ 104,000 |
| Montgomery County-Bucks County-Chester County, PA | 267 | $ 63,085,000 | $ 236,273 | $ 203,000 |
| Camden, NJ | 255 | $ 38,835,000 | $ 152,294 | $ 112,000 |
| Chambersburg-Waynesboro, PA | 253 | $ 29,635,000 | $ 117,134 | $ 101,000 |
| Utica-Rome, NY | 244 | $ 28,030,000 | $ 114,877 | $ 87,000 |
| Philadelphia, PA | 241 | $ 40,185,000 | $ 166,742 | $ 158,000 |
| Reading, PA | 239 | $ 27,595,000 | $ 115,460 | $ 86,000 |
| Hagerstown-Martinsburg, MD-WV | 211 | $ 25,715,000 | $ 121,872 | $ 89,957 |
| Portland-South Portland, ME | 184 | $ 39,140,000 | $ 212,717 | $ 170,000 |
| Dover, DE | 179 | $ 21,835,000 | $ 121,983 | $ 98,000 |
| Lancaster, PA | 178 | $ 24,620,000 | $ 138,314 | $ 95,000 |
| Worcester, MA-CT | 168 | $ 25,580,000 | $ 152,261 | $ 117,702 |
| Allentown-Bethlehem-Easton, PA-NJ | 159 | $ 23,355,000 | $ 146,886 | $ 114,157 |
| Norwich-New London, CT | 158 | $ 20,990,000 | $ 132,848 | $ 138,000 |
| Rockingham County-Strafford County, NH | 158 | $ 40,980,000 | $ 259,367 | $ 165,000 |
| Richmond, VA | 147 | $ 22,975,000 | $ 156,292 | $ 116,000 |
| Atlanta-Sandy Springs-Roswell, GA | 145 | $ 37,255,000 | $ 256,931 | $ 109,000 |
| Burlington-South Burlington, VT | 134 | $ 62,030,000 | $ 462,910 | $ 169,000 |
| Kingston, NY | 134 | $ 20,780,000 | $ 155,074 | $ 117,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 118 | $ 13,020,000 | $ 110,338 | $ 108,457 |
| Altoona, PA | 112 | $ 10,500,000 | $ 93,750 | $ 83,000 |
| Manchester-Nashua, NH | 111 | $ 23,145,000 | $ 208,513 | $ 138,000 |
| Gettysburg, PA | 108 | $ 14,670,000 | $ 135,833 | $ 121,000 |
| Chicago-Naperville, IL | 101 | $ 21,435,000 | $ 212,227 | $ 108,000 |
| Cumberland, MD-WV | 99 | $ 9,085,000 | $ 91,767 | $ 76,555 |
| Tampa-St. Petersburg-Clearwater, FL | 87 | $ 20,145,000 | $ 231,551 | $ 161,000 |
| Bloomsburg-Berwick, PA | 84 | $ 9,360,000 | $ 111,428 | $ 110,000 |
| State College, PA | 84 | $ 12,340,000 | $ 146,904 | $ 109,000 |
| Ithaca, NY | 74 | $ 16,920,000 | $ 228,648 | $ 139,000 |
| Orlando-Kissimmee-Sanford, FL | 74 | $ 15,350,000 | $ 207,432 | $ 151,000 |
| Pittsburgh, PA | 74 | $ 6,150,000 | $ 83,108 | $ 85,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 72 | $ 77,520,000 | $ 1,076,666 | $ 571,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 70 | $ 18,810,000 | $ 268,714 | $ 205,000 |
| Providence-Warwick, RI-MA | 69 | $ 20,525,000 | $ 297,463 | $ 140,173 |
| Williamsport, PA | 68 | $ 6,450,000 | $ 94,852 | $ 74,000 |
| Phoenix-Mesa-Scottsdale, AZ | 65 | $ 19,285,000 | $ 296,692 | $ 141,000 |
| Lebanon, PA | 64 | $ 7,400,000 | $ 115,625 | $ 79,000 |
| Charlotte-Concord-Gastonia, NC-SC | 55 | $ 15,495,000 | $ 281,727 | $ 118,854 |
| East Stroudsburg, PA | 55 | $ 7,535,000 | $ 137,000 | $ 118,000 |
| Jacksonville, FL | 50 | $ 12,450,000 | $ 249,000 | $ 124,000 |
| Miami-Miami Beach-Kendall, FL | 49 | $ 13,835,000 | $ 282,346 | $ 232,000 |
| Trenton, NJ | 48 | $ 9,630,000 | $ 200,625 | $ 166,000 |
| Glens Falls, NY | 45 | $ 7,055,000 | $ 156,777 | $ 218,000 |
| Las Vegas-Henderson-Paradise, NV | 44 | $ 19,910,000 | $ 452,500 | $ 211,000 |
| Barnstable Town, MA | 38 | $ 24,170,000 | $ 636,052 | $ 458,000 |
| Elmira, NY | 38 | $ 6,050,000 | $ 159,210 | $ 113,000 |
| Kansas City, MO-KS | 38 | $ 8,240,000 | $ 216,842 | $ 109,842 |
| Raleigh, NC | 36 | $ 23,670,000 | $ 657,500 | $ 158,000 |
| Columbus, OH | 35 | $ 8,005,000 | $ 228,714 | $ 84,000 |
| Naples-Immokalee-Marco Island, FL | 35 | $ 39,875,000 | $ 1,139,285 | $ 570,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 35 | $ 10,425,000 | $ 297,857 | $ 115,000 |
| Cape Coral-Fort Myers, FL | 34 | $ 7,550,000 | $ 222,058 | $ 161,000 |
| Houston-The Woodlands-Sugar Land, TX | 34 | $ 10,200,000 | $ 300,000 | $ 133,000 |
| Cleveland-Elyria, OH | 33 | $ 5,765,000 | $ 174,696 | $ 70,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 33 | $ 6,535,000 | $ 198,030 | $ 106,000 |
| Lakeland-Winter Haven, FL | 32 | $ 4,330,000 | $ 135,312 | $ 74,000 |
| St. Louis, MO-IL | 32 | $ 4,850,000 | $ 151,562 | $ 78,750 |
| Cincinnati, OH-KY-IN | 31 | $ 6,985,000 | $ 225,322 | $ 101,806 |
| Atlantic City-Hammonton, NJ | 29 | $ 6,945,000 | $ 239,482 | $ 266,000 |
| Charleston-North Charleston, SC | 29 | $ 17,825,000 | $ 614,655 | $ 211,000 |
| Pensacola-Ferry Pass-Brent, FL | 29 | $ 5,795,000 | $ 199,827 | $ 92,000 |
| Ocean City, NJ | 28 | $ 17,540,000 | $ 626,428 | $ 509,000 |
| Indianapolis-Carmel-Anderson, IN | 27 | $ 5,295,000 | $ 196,111 | $ 87,000 |
| Birmingham-Hoover, AL | 26 | $ 4,750,000 | $ 182,692 | $ 99,000 |
| California-Lexington Park, MD | 26 | $ 3,580,000 | $ 137,692 | $ 122,000 |
| Dallas-Plano-Irving, TX | 26 | $ 9,400,000 | $ 361,538 | $ 202,000 |
| Memphis, TN-MS-AR | 26 | $ 4,080,000 | $ 156,923 | $ 78,230 |
| Los Angeles-Long Beach-Glendale, CA | 25 | $ 49,205,000 | $ 1,968,200 | $ 386,000 |
| Riverside-San Bernardino-Ontario, CA | 25 | $ 8,785,000 | $ 351,400 | $ 158,000 |
| Tucson, AZ | 25 | $ 6,465,000 | $ 258,600 | $ 107,000 |
| Milwaukee-Waukesha-West Allis, WI | 23 | $ 3,815,000 | $ 165,869 | $ 95,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 23 | $ 6,385,000 | $ 277,608 | $ 120,000 |
| North Port-Sarasota-Bradenton, FL | 22 | $ 12,260,000 | $ 557,272 | $ 352,000 |
| Warren-Troy-Farmington Hills, MI | 22 | $ 4,970,000 | $ 225,909 | $ 217,000 |
| Albuquerque, NM | 21 | $ 3,995,000 | $ 190,238 | $ 80,000 |
| Colorado Springs, CO | 21 | $ 7,325,000 | $ 348,809 | $ 156,000 |
| Denver-Aurora-Lakewood, CO | 21 | $ 8,395,000 | $ 399,761 | $ 144,000 |
| Detroit-Dearborn-Livonia, MI | 21 | $ 2,705,000 | $ 128,809 | $ 63,000 |
| Louisville/Jefferson County, KY-IN | 21 | $ 4,775,000 | $ 227,380 | $ 103,142 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 21 | $ 5,455,000 | $ 259,761 | $ 157,571 |
| Palm Bay-Melbourne-Titusville, FL | 20 | $ 4,680,000 | $ 234,000 | $ 139,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 20 | $ 6,760,000 | $ 338,000 | $ 100,750 |
| Greensboro-High Point, NC | 19 | $ 3,815,000 | $ 200,789 | $ 90,000 |
| Greenville-Anderson-Mauldin, SC | 19 | $ 3,705,000 | $ 195,000 | $ 149,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 19 | $ 7,045,000 | $ 370,789 | $ 152,000 |
| San Antonio-New Braunfels, TX | 19 | $ 4,555,000 | $ 239,736 | $ 124,000 |
| San Diego-Carlsbad, CA | 19 | $ 10,585,000 | $ 557,105 | $ 154,000 |
| New Orleans-Metairie, LA | 17 | $ 2,765,000 | $ 162,647 | $ 87,000 |
| Oklahoma City, OK | 17 | $ 2,455,000 | $ 144,411 | $ 69,000 |
| Port St. Lucie, FL | 17 | $ 5,985,000 | $ 352,058 | $ 215,000 |
| Roanoke, VA | 17 | $ 1,555,000 | $ 91,470 | $ 89,000 |
| Watertown-Fort Drum, NY | 17 | $ 2,005,000 | $ 117,941 | $ 123,000 |
| Ocala, FL | 16 | $ 2,550,000 | $ 159,375 | $ 75,000 |
| Winchester, VA-WV | 16 | $ 4,130,000 | $ 258,125 | $ 167,937 |
| Columbia, SC | 15 | $ 2,595,000 | $ 173,000 | $ 78,000 |
| Fayetteville, NC | 15 | $ 3,035,000 | $ 202,333 | $ 88,000 |
| Gary, IN | 15 | $ 3,285,000 | $ 219,000 | $ 96,000 |
| Vineland-Bridgeton, NJ | 15 | $ 1,655,000 | $ 110,333 | $ 93,000 |
| Austin-Round Rock, TX | 13 | $ 4,625,000 | $ 355,769 | $ 152,000 |
| Huntsville, AL | 13 | $ 2,625,000 | $ 201,923 | $ 84,000 |
| Seattle-Bellevue-Everett, WA | 13 | $ 4,185,000 | $ 321,923 | $ 99,000 |
| Winston-Salem, NC | 13 | $ 2,035,000 | $ 156,538 | $ 81,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 2,370,000 | $ 197,500 | $ 112,083 |
| Dayton-Springfield-Kettering, OH | 12 | $ 2,370,000 | $ 197,500 | $ 102,000 |
| Fresno, CA | 12 | $ 2,510,000 | $ 209,166 | $ 104,000 |
| Knoxville, TN | 12 | $ 2,800,000 | $ 233,333 | $ 103,000 |
| Montgomery, AL | 12 | $ 2,080,000 | $ 173,333 | $ 85,000 |
| Wichita, KS | 12 | $ 1,570,000 | $ 130,833 | $ 82,000 |
| Baton Rouge, LA | 11 | $ 1,585,000 | $ 144,090 | $ 83,000 |
| Killeen-Temple, TX | 11 | $ 2,845,000 | $ 258,636 | $ 118,000 |
| Little Rock-North Little Rock-Conway, AR | 11 | $ 1,965,000 | $ 178,636 | $ 93,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 2,155,000 | $ 195,909 | $ 76,636 |
| Spartanburg, SC | 11 | $ 2,025,000 | $ 184,090 | $ 102,000 |
| Tulsa, OK | 11 | $ 1,995,000 | $ 181,363 | $ 68,000 |
| Durham-Chapel Hill, NC | 10 | $ 2,770,000 | $ 277,000 | $ 171,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 10 | $ 5,430,000 | $ 543,000 | $ 330,000 |
| Ogden-Clearfield, UT | 10 | $ 3,450,000 | $ 345,000 | $ 115,000 |
| Salt Lake City, UT | 10 | $ 2,960,000 | $ 296,000 | $ 102,000 |
| Savannah, GA | 10 | $ 1,650,000 | $ 165,000 | $ 73,000 |
| Bakersfield, CA | 9 | $ 2,285,000 | $ 253,888 | $ 112,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 1,245,000 | $ 138,333 | $ 77,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 1,335,000 | $ 148,333 | $ 79,000 |
| Macon-Bibb County, GA | 9 | $ 1,295,000 | $ 143,888 | $ 76,000 |
| Mobile, AL | 9 | $ 1,425,000 | $ 158,333 | $ 86,000 |
| Panama City, FL | 9 | $ 1,975,000 | $ 219,444 | $ 89,000 |
| Tacoma-Lakewood, WA | 9 | $ 4,215,000 | $ 468,333 | $ 175,000 |
| Vallejo-Fairfield, CA | 9 | $ 3,945,000 | $ 438,333 | $ 113,000 |
| Charleston, WV | 8 | $ 460,000 | $ 57,500 | $ 91,000 |
| Chattanooga, TN-GA | 8 | $ 1,470,000 | $ 183,750 | $ 78,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 1,460,000 | $ 182,500 | $ 150,000 |
| Fort Worth-Arlington, TX | 8 | $ 1,110,000 | $ 138,750 | $ 124,000 |
| Johnstown, PA | 8 | $ 810,000 | $ 101,250 | $ 75,000 |
| Lynchburg, VA | 8 | $ 1,250,000 | $ 156,250 | $ 73,000 |
| Akron, OH | 7 | $ 875,000 | $ 125,000 | $ 87,000 |
| Bangor, ME | 7 | $ 775,000 | $ 110,714 | $ 61,000 |
| Charlottesville, VA | 7 | $ 1,775,000 | $ 253,571 | $ 158,000 |
| Erie, PA | 7 | $ 355,000 | $ 50,714 | $ 59,000 |
| Gulfport-Biloxi-Pascagoula, MS | 7 | $ 1,075,000 | $ 153,571 | $ 88,000 |
| Jackson, MS | 7 | $ 1,125,000 | $ 160,714 | $ 79,000 |
| Lewiston-Auburn, ME | 7 | $ 845,000 | $ 120,714 | $ 68,000 |
| Oakland-Hayward-Berkeley, CA | 7 | $ 3,595,000 | $ 513,571 | $ 133,000 |
| Olympia-Tumwater, WA | 7 | $ 2,315,000 | $ 330,714 | $ 116,000 |
| Pittsfield, MA | 7 | $ 1,585,000 | $ 226,428 | $ 185,000 |
| Youngstown-Warren-Boardman, OH-PA | 7 | $ 495,000 | $ 70,714 | $ 63,142 |
| Anchorage, AK | 6 | $ 1,840,000 | $ 306,666 | $ 135,000 |
| Appleton, WI | 6 | $ 910,000 | $ 151,666 | $ 94,000 |
| Canton-Massillon, OH | 6 | $ 1,020,000 | $ 170,000 | $ 140,000 |
| Clarksville, TN-KY | 6 | $ 1,620,000 | $ 270,000 | $ 157,000 |
| Decatur, AL | 6 | $ 1,080,000 | $ 180,000 | $ 111,000 |
| El Paso, TX | 6 | $ 1,320,000 | $ 220,000 | $ 138,000 |
| Flint, MI | 6 | $ 670,000 | $ 111,666 | $ 60,000 |
| Florence-Muscle Shoals, AL | 6 | $ 1,070,000 | $ 178,333 | $ 74,000 |
| Fort Smith, AR-OK | 6 | $ 1,310,000 | $ 218,333 | $ 87,333 |
| Homosassa Springs, FL | 6 | $ 1,250,000 | $ 208,333 | $ 116,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,000,000 | $ 166,666 | $ 81,000 |
| Shreveport-Bossier City, LA | 6 | $ 810,000 | $ 135,000 | $ 61,000 |
| Springfield, MO | 6 | $ 1,530,000 | $ 255,000 | $ 159,000 |
| Sumter, SC | 6 | $ 1,220,000 | $ 203,333 | $ 73,000 |
| Tallahassee, FL | 6 | $ 430,000 | $ 71,666 | $ 70,000 |
| Urban Honolulu, HI | 6 | $ 3,960,000 | $ 660,000 | $ 186,000 |
| Wilmington, NC | 6 | $ 1,320,000 | $ 220,000 | $ 76,000 |
| Beckley, WV | 5 | $ 285,000 | $ 57,000 | $ 84,000 |
| Boise City, ID | 5 | $ 1,355,000 | $ 271,000 | $ 102,000 |
| Daphne-Fairhope-Foley, AL | 5 | $ 775,000 | $ 155,000 | $ 63,000 |
| Elgin, IL | 5 | $ 985,000 | $ 197,000 | $ 103,000 |
| Florence, SC | 5 | $ 805,000 | $ 161,000 | $ 88,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 1,145,000 | $ 229,000 | $ 76,000 |
| Lexington-Fayette, KY | 5 | $ 985,000 | $ 197,000 | $ 87,000 |
| Michigan City-La Porte, IN | 5 | $ 635,000 | $ 127,000 | $ 88,000 |
| Toledo, OH | 5 | $ 635,000 | $ 127,000 | $ 60,000 |
| Warner Robins, GA | 5 | $ 705,000 | $ 141,000 | $ 61,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 350,000 | $ 87,500 | $ 63,000 |
| Evansville, IN-KY | 4 | $ 490,000 | $ 122,500 | $ 48,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 740,000 | $ 185,000 | $ 37,000 |
| Flagstaff, AZ | 4 | $ 2,010,000 | $ 502,500 | $ 401,000 |
| Great Falls, MT | 4 | $ 800,000 | $ 200,000 | $ 93,000 |
| Lafayette, LA | 4 | $ 700,000 | $ 175,000 | $ 66,000 |
| Lake Charles, LA | 4 | $ 640,000 | $ 160,000 | $ 110,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,180,000 | $ 295,000 | $ 118,750 |
| Morgantown, WV | 4 | $ 620,000 | $ 155,000 | $ 76,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,850,000 | $ 462,500 | $ 180,000 |
| Peoria, IL | 4 | $ 560,000 | $ 140,000 | $ 72,000 |
| Prescott Valley-Prescott, AZ | 4 | $ 1,360,000 | $ 340,000 | $ 183,000 |
| Provo-Orem, UT | 4 | $ 2,110,000 | $ 527,500 | $ 162,000 |
| Punta Gorda, FL | 4 | $ 930,000 | $ 232,500 | $ 99,000 |
| Rocky Mount, NC | 4 | $ 490,000 | $ 122,500 | $ 85,000 |
| Stockton-Lodi, CA | 4 | $ 1,700,000 | $ 425,000 | $ 120,000 |
| The Villages, FL | 4 | $ 960,000 | $ 240,000 | $ 164,000 |
| Topeka, KS | 4 | $ 800,000 | $ 200,000 | $ 64,000 |
| Valdosta, GA | 4 | $ 560,000 | $ 140,000 | $ 53,000 |
| Asheville, NC | 3 | $ 855,000 | $ 285,000 | $ 295,000 |
| Auburn-Opelika, AL | 3 | $ 405,000 | $ 135,000 | $ 63,000 |
| Bowling Green, KY | 3 | $ 535,000 | $ 178,333 | $ 70,000 |
| Bremerton-Silverdale, WA | 3 | $ 1,205,000 | $ 401,666 | $ 204,000 |
| Cedar Rapids, IA | 3 | $ 695,000 | $ 231,666 | $ 118,000 |
| Cheyenne, WY | 3 | $ 775,000 | $ 258,333 | $ 141,000 |
| Columbia, MO | 3 | $ 655,000 | $ 218,333 | $ 131,000 |
| Columbus, GA-AL | 3 | $ 835,000 | $ 278,333 | $ 79,000 |
| Des Moines-West Des Moines, IA | 3 | $ 295,000 | $ 98,333 | $ 41,000 |
| Fort Wayne, IN | 3 | $ 235,000 | $ 78,333 | $ 38,000 |
| Greenville, NC | 3 | $ 485,000 | $ 161,666 | $ 55,000 |
| Harrisonburg, VA | 3 | $ 175,000 | $ 58,333 | $ 155,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 345,000 | $ 115,000 | $ 103,666 |
| Janesville-Beloit, WI | 3 | $ 455,000 | $ 151,666 | $ 61,000 |
| Jefferson City, MO | 3 | $ 675,000 | $ 225,000 | $ 76,000 |
| Joplin, MO | 3 | $ 475,000 | $ 158,333 | $ 76,000 |
| Kalamazoo-Portage, MI | 3 | $ 405,000 | $ 135,000 | $ 61,000 |
| Laredo, TX | 3 | $ 565,000 | $ 188,333 | $ 104,000 |
| Longview, WA | 3 | $ 765,000 | $ 255,000 | $ 78,000 |
| Lubbock, TX | 3 | $ 655,000 | $ 218,333 | $ 171,000 |
| Merced, CA | 3 | $ 505,000 | $ 168,333 | $ 49,000 |
| Muncie, IN | 3 | $ 275,000 | $ 91,666 | $ 46,000 |
| Oshkosh-Neenah, WI | 3 | $ 985,000 | $ 328,333 | $ 454,000 |
| Rapid City, SD | 3 | $ 735,000 | $ 245,000 | $ 87,000 |
| Rockford, IL | 3 | $ 465,000 | $ 155,000 | $ 145,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,595,000 | $ 531,666 | $ 185,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 2,165,000 | $ 721,666 | $ 257,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 535,000 | $ 178,333 | $ 97,000 |
| St. George, UT | 3 | $ 1,675,000 | $ 558,333 | $ 193,000 |
| St. Joseph, MO-KS | 3 | $ 355,000 | $ 118,333 | $ 84,000 |
| Staunton-Waynesboro, VA | 3 | $ 205,000 | $ 68,333 | $ 67,000 |
| Terre Haute, IN | 3 | $ 305,000 | $ 101,666 | $ 47,000 |
| Tuscaloosa, AL | 3 | $ 525,000 | $ 175,000 | $ 92,000 |
| Wheeling, WV-OH | 3 | $ 295,000 | $ 98,333 | $ 49,333 |
| Albany, GA | 2 | $ 290,000 | $ 145,000 | $ 79,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 160,000 | $ 80,000 | $ 32,000 |
| Athens-Clarke County, GA | 2 | $ 770,000 | $ 385,000 | $ 105,000 |
| Bay City, MI | 2 | $ 150,000 | $ 75,000 | $ 62,000 |
| Brownsville-Harlingen, TX | 2 | $ 170,000 | $ 85,000 | $ 83,000 |
| Burlington, NC | 2 | $ 290,000 | $ 145,000 | $ 83,000 |
| Champaign-Urbana, IL | 2 | $ 390,000 | $ 195,000 | $ 63,000 |
| Cleveland, TN | 2 | $ 1,070,000 | $ 535,000 | $ 155,000 |
| Coeur D'Alene, ID | 2 | $ 610,000 | $ 305,000 | $ 155,000 |
| Corpus Christi, TX | 2 | $ 420,000 | $ 210,000 | $ 96,000 |
| Dalton, GA | 2 | $ 410,000 | $ 205,000 | $ 52,000 |
| Danville, IL | 2 | $ 180,000 | $ 90,000 | $ 73,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 310,000 | $ 155,000 | $ 55,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 460,000 | $ 230,000 | $ 119,000 |
| Eugene, OR | 2 | $ 390,000 | $ 195,000 | $ 98,000 |
| Fairbanks, AK | 2 | $ 590,000 | $ 295,000 | $ 119,000 |
| Fort Collins, CO | 2 | $ 940,000 | $ 470,000 | $ 200,000 |
| Gadsden, AL | 2 | $ 230,000 | $ 115,000 | $ 89,000 |
| Gainesville, GA | 2 | $ 450,000 | $ 225,000 | $ 68,000 |
| Goldsboro, NC | 2 | $ 210,000 | $ 105,000 | $ 91,000 |
| Greeley, CO | 2 | $ 620,000 | $ 310,000 | $ 131,000 |
| Green Bay, WI | 2 | $ 280,000 | $ 140,000 | $ 75,000 |
| Hanford-Corcoran, CA | 2 | $ 380,000 | $ 190,000 | $ 95,000 |
| Hinesville, GA | 2 | $ 330,000 | $ 165,000 | $ 71,000 |
| Iowa City, IA | 2 | $ 280,000 | $ 140,000 | $ 50,000 |
| Jackson, MI | 2 | $ 370,000 | $ 185,000 | $ 77,000 |
| Jackson, TN | 2 | $ 330,000 | $ 165,000 | $ 104,000 |
| Jacksonville, NC | 2 | $ 290,000 | $ 145,000 | $ 48,000 |
| Lafayette-West Lafayette, IN | 2 | $ 320,000 | $ 160,000 | $ 70,000 |
| Lansing-East Lansing, MI | 2 | $ 280,000 | $ 140,000 | $ 60,000 |
| Las Cruces, NM | 2 | $ 510,000 | $ 255,000 | $ 115,000 |
| Madera, CA | 2 | $ 650,000 | $ 325,000 | $ 136,000 |
| Mansfield, OH | 2 | $ 400,000 | $ 200,000 | $ 65,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 190,000 | $ 95,000 | $ 59,000 |
| Modesto, CA | 2 | $ 210,000 | $ 105,000 | $ 46,000 |
| Pine Bluff, AR | 2 | $ 190,000 | $ 95,000 | $ 91,000 |
| Reno, NV | 2 | $ 750,000 | $ 375,000 | $ 104,000 |
| Saginaw, MI | 2 | $ 220,000 | $ 110,000 | $ 42,000 |
| Salem, OR | 2 | $ 630,000 | $ 315,000 | $ 51,000 |
| Salinas, CA | 2 | $ 1,680,000 | $ 840,000 | $ 314,000 |
| Sebastian-Vero Beach, FL | 2 | $ 2,170,000 | $ 1,085,000 | $ 4,310,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 630,000 | $ 315,000 | $ 106,000 |
| Spokane-Spokane Valley, WA | 2 | $ 700,000 | $ 350,000 | $ 96,000 |
| Springfield, IL | 2 | $ 180,000 | $ 90,000 | $ 76,000 |
| Waco, TX | 2 | $ 820,000 | $ 410,000 | $ 132,000 |
| Abilene, TX | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Albany, OR | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Alexandria, LA | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Amarillo, TX | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 805,000 | $ 805,000 | $ 1,117,000 |
| Ann Arbor, MI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 385,000 | $ 385,000 | $ 217,000 |
| Bellingham, WA | 1 | $ 305,000 | $ 305,000 | $ 63,000 |
| Billings, MT | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Boulder, CO | 1 | $ 305,000 | $ 305,000 | $ 142,000 |
| Carbondale-Marion, IL | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Casper, WY | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Chico, CA | 1 | $ 625,000 | $ 625,000 | $ 200,000 |
| Decatur, IL | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Dothan, AL | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Duluth, MN-WI | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Fargo, ND-MN | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Farmington, NM | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Fond Du Lac, WI | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Grand Forks, ND-MN | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Grand Junction, CO | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Hammond, LA | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Hattiesburg, MS | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Idaho Falls, ID | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Johnson City, TN | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Kennewick-Richland, WA | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Lawrence, KS | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| Lewiston, ID-WA | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Lincoln, NE | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Logan, UT-ID | 1 | $ 375,000 | $ 375,000 | $ 76,000 |
| Madison, WI | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Mankato-North Mankato, MN | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Missoula, MT | 1 | $ 425,000 | $ 425,000 | $ 116,000 |
| Monroe, MI | 1 | $ 145,000 | $ 145,000 | $ 21,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
| Muskegon, MI | 1 | $ 195,000 | $ 195,000 | $ 165,000 |
| New Bern, NC | 1 | $ 345,000 | $ 345,000 | $ 98,000 |
| Owensboro, KY | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Parkersburg-Vienna, WV | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Pocatello, ID | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| Pueblo, CO | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Racine, WI | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Rome, GA | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Santa Fe, NM | 1 | $ 415,000 | $ 415,000 | $ 102,000 |
| Santa Rosa, CA | 1 | $ 335,000 | $ 335,000 | $ 65,000 |
| Sebring, FL | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Sheboygan, WI | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Sioux City, IA-NE-SD | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Springfield, OH | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Wausau, WI | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Wenatchee, WA | 1 | $ 415,000 | $ 415,000 | $ 150,000 |
| Wichita Falls, TX | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Yakima, WA | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Yuba City, CA | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for M&T Bank in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 10,845 | $1,272,585,000 | $117,000 | $31,555,000 | $132,000 | $6,160,000 |
| Home Purchase | 8,850 | $3,014,920,000 | $340,000 | $35,565,000 | $171,000 | $6,801,000 |
| Refinancing | 4,756 | $1,128,400,000 | $237,000 | $93,005,000 | $149,000 | $5,756,000 |
| Other Purpose | 4,692 | $616,630,000 | $131,000 | $30,005,000 | $145,000 | $8,571,000 |
| Cash-out Refinancing | 3,368 | $783,150,000 | $232,000 | $20,005,000 | $97,000 | $1,998,000 |
| Not Applicable | 208 | $28,820,000 | $138,000 | $665,000 | $0 | $0 |
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 | 20,958 | $3,852,690,000 | $183,000 | $8,395,000 | $146,000 | $8,571,000 |
| Black or African American | 3,628 | $518,650,000 | $142,000 | $1,945,000 | $98,000 | $2,193,000 |
| Hispanic | 2,441 | $397,975,000 | $163,000 | $2,645,000 | $105,000 | $2,725,000 |
| Not Provided | 2,436 | $601,610,000 | $246,000 | $30,005,000 | $171,000 | $4,550,000 |
| Not applicable | 1,434 | $932,530,000 | $650,000 | $93,005,000 | $197,000 | $1,813,000 |
| Asian | 1,119 | $352,035,000 | $314,000 | $3,755,000 | $180,000 | $3,685,000 |
| American Indian or Alaskan Native | 149 | $25,525,000 | $171,000 | $1,005,000 | $104,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 32 | $4,530,000 | $141,000 | $565,000 | $88,000 | $271,000 |
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) | 28,687 | $5,893,305,000 | $205,000 | $93,005,000 | $150,000 | $8,571,000 |
| FHA-insured (Federal Housing Administration) | 3,464 | $748,880,000 | $216,000 | $1,415,000 | $83,000 | $1,226,000 |
| VA-guaranteed (Veterans Administration) | 558 | $200,330,000 | $359,000 | $2,435,000 | $124,000 | $1,024,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,990,000 | $199,000 | $305,000 | $82,000 | $122,000 |
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 | 17,611 | $4,035,035,000 | $229,000 | $93,005,000 | $155,000 | $8,571,000 |
| Application Denied By Financial Institution | 10,416 | $1,602,500,000 | $153,000 | $14,305,000 | $113,000 | $6,085,000 |
| Application Withdrawn By Applicant | 2,077 | $583,555,000 | $280,000 | $5,705,000 | $153,000 | $5,650,000 |
| Loan Purchased By The Institution | 1,149 | $368,885,000 | $321,000 | $1,745,000 | $197,000 | $1,813,000 |
| Application Approved But Not Accepted | 983 | $136,655,000 | $139,000 | $2,005,000 | $136,000 | $2,845,000 |
| File Closed For Incompleteness | 483 | $117,875,000 | $244,000 | $20,005,000 | $135,000 | $1,748,000 |
| 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 | 22,303 | $5,242,005,000 | $235,000 | $93,005,000 | $155,000 | $8,571,000 |
| Debt-To-Income Ratio | 3,923 | $712,135,000 | $181,000 | $8,395,000 | $75,000 | $2,844,000 |
| Credit History | 3,399 | $321,705,000 | $94,000 | $14,305,000 | $122,000 | $2,193,000 |
| Collateral | 1,741 | $300,305,000 | $172,000 | $6,705,000 | $160,000 | $3,665,000 |
| Other | 897 | $162,135,000 | $180,000 | $2,085,000 | $163,000 | $6,085,000 |
| Credit Application Incomplete | 150 | $40,920,000 | $272,000 | $1,405,000 | $129,000 | $1,500,000 |
| Unverifiable Information | 131 | $30,205,000 | $230,000 | $5,005,000 | $138,000 | $1,226,000 |
| Employment History | 97 | $14,085,000 | $145,000 | $565,000 | $112,000 | $723,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 76 | $20,650,000 | $271,000 | $1,505,000 | $104,000 | $608,000 |
| Mortgage Insurance Denied | 2 | $360,000 | $180,000 | $195,000 | $74,000 | $100,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M&T Bank's 2023 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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