M&T Bank Mortgage Lending & HMDA Data, 2024
In 2024, M&T Bank of Buffalo, NY reported 36,377 mortgage applications totaling $8.4 billion, up 11% from 2023. The average application was for $230,394, and applicants reported an average income of $158,718. 57% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (3,529), Baltimore-Columbia-Towson, MD (2,951) and New York-Jersey City-White Plains, NY-NJ (2,370) (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 | 36,377 |
| Total Mortgage Loan Application Amount | $8,381,065,000 |
| Average Mortgage Loan Application Amount | $230,394 |
| Highest Mortgage Loan Application Amount | $45,895,000 |
| Average Applicant Income | $158,718 |
| Highest Applicant Income | $9,295,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 3,959 | $ 628,365,000 | $ 158,718 | $ 129,755 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3,529 | $ 567,415,000 | $ 160,786 | $ 116,000 |
| Baltimore-Columbia-Towson, MD | 2,951 | $ 492,215,000 | $ 166,796 | $ 131,000 |
| New York-Jersey City-White Plains, NY-NJ | 2,370 | $ 761,740,000 | $ 321,409 | $ 212,982 |
| Nassau County-Suffolk County, NY | 1,302 | $ 360,600,000 | $ 276,958 | $ 206,000 |
| Bridgeport-Stamford-Norwalk, CT | 1,295 | $ 388,605,000 | $ 300,081 | $ 234,000 |
| Hartford-West Hartford-East Hartford, CT | 1,149 | $ 181,665,000 | $ 158,107 | $ 135,000 |
| Arlington-Alexandria-Reston, VA-WV | 984 | $ 487,730,000 | $ 495,660 | $ 250,079 |
| Rochester, NY | 925 | $ 111,575,000 | $ 120,621 | $ 102,000 |
| York-Hanover, PA | 819 | $ 102,925,000 | $ 125,671 | $ 96,000 |
| Washington-Baltimore-Arlington, DC | 789 | $ 290,075,000 | $ 367,648 | $ 210,000 |
| Cambridge-Newton-Framingham, MA | 786 | $ 389,530,000 | $ 495,585 | $ 244,000 |
| Syracuse, NY | 748 | $ 98,650,000 | $ 131,885 | $ 115,000 |
| Lakewood-New Brunswick, NJ | 705 | $ 206,985,000 | $ 293,595 | $ 193,000 |
| Newark, NJ-PA | 669 | $ 201,125,000 | $ 300,635 | $ 204,000 |
| Washington, DC-MD | 620 | $ 187,110,000 | $ 301,790 | $ 182,909 |
| Wilmington, DE-MD-NJ | 559 | $ 83,585,000 | $ 149,525 | $ 125,620 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 544 | $ 104,910,000 | $ 192,849 | $ 145,000 |
| Boston, MA | 543 | $ 394,075,000 | $ 725,736 | $ 409,000 |
| New Haven-Milford, CT | 502 | $ 91,920,000 | $ 183,107 | $ 143,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 469 | $ 57,045,000 | $ 121,631 | $ 110,000 |
| Albany-Schenectady-Troy, NY | 441 | $ 68,745,000 | $ 155,884 | $ 135,000 |
| Binghamton, NY | 440 | $ 54,050,000 | $ 122,840 | $ 112,000 |
| Harrisburg-Carlisle, PA | 388 | $ 54,450,000 | $ 140,335 | $ 95,000 |
| Waterbury-Shelton, CT | 366 | $ 54,510,000 | $ 148,934 | $ 116,000 |
| Springfield, MA | 341 | $ 45,065,000 | $ 132,155 | $ 107,000 |
| Utica-Rome, NY | 308 | $ 37,360,000 | $ 121,298 | $ 96,000 |
| Camden, NJ | 297 | $ 54,645,000 | $ 183,989 | $ 140,000 |
| Hagerstown-Martinsburg, MD-WV | 285 | $ 35,595,000 | $ 124,894 | $ 99,343 |
| Chambersburg-Waynesboro, PA | 282 | $ 36,070,000 | $ 127,907 | $ 92,000 |
| Reading, PA | 281 | $ 34,235,000 | $ 121,832 | $ 93,000 |
| Montgomery County-Bucks County-Chester County, PA | 266 | $ 73,580,000 | $ 276,616 | $ 192,000 |
| Philadelphia, PA | 262 | $ 42,920,000 | $ 163,816 | $ 122,000 |
| Dover, DE | 215 | $ 25,815,000 | $ 120,069 | $ 109,000 |
| Burlington-South Burlington, VT | 212 | $ 79,070,000 | $ 372,971 | $ 169,000 |
| Worcester, MA-CT | 194 | $ 54,090,000 | $ 278,814 | $ 159,000 |
| Rockingham County-Strafford County, NH | 193 | $ 49,885,000 | $ 258,471 | $ 175,000 |
| Portland-South Portland, ME | 187 | $ 46,965,000 | $ 251,149 | $ 169,000 |
| Lancaster, PA | 186 | $ 33,550,000 | $ 180,376 | $ 144,000 |
| Norwich-New London, CT | 184 | $ 32,220,000 | $ 175,108 | $ 139,000 |
| Kingston, NY | 180 | $ 41,930,000 | $ 232,944 | $ 172,000 |
| Richmond, VA | 171 | $ 24,375,000 | $ 142,543 | $ 115,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 153 | $ 22,275,000 | $ 145,588 | $ 136,196 |
| Salisbury, MD-DE | 149 | $ 16,965,000 | $ 113,859 | $ 103,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 141 | $ 19,965,000 | $ 141,595 | $ 116,680 |
| Altoona, PA | 119 | $ 11,695,000 | $ 98,277 | $ 94,000 |
| Atlantic City-Hammonton, NJ | 118 | $ 49,310,000 | $ 417,881 | $ 294,000 |
| Atlanta-Sandy Springs-Roswell, GA | 107 | $ 25,855,000 | $ 241,635 | $ 103,000 |
| Gettysburg, PA | 96 | $ 11,650,000 | $ 121,354 | $ 99,000 |
| State College, PA | 83 | $ 12,645,000 | $ 152,349 | $ 119,000 |
| Manchester-Nashua, NH | 82 | $ 19,230,000 | $ 234,512 | $ 166,000 |
| Ithaca, NY | 78 | $ 15,180,000 | $ 194,615 | $ 124,000 |
| Lebanon, PA | 76 | $ 9,320,000 | $ 122,631 | $ 90,000 |
| Lexington Park, MD | 75 | $ 10,955,000 | $ 146,066 | $ 146,000 |
| Phoenix-Mesa-Scottsdale, AZ | 75 | $ 23,825,000 | $ 317,666 | $ 152,000 |
| Providence-Warwick, RI-MA | 75 | $ 23,425,000 | $ 312,333 | $ 184,093 |
| Williamsport, PA | 75 | $ 7,315,000 | $ 97,533 | $ 76,000 |
| Trenton, NJ | 70 | $ 26,400,000 | $ 377,142 | $ 214,000 |
| Orlando-Kissimmee-Sanford, FL | 69 | $ 15,885,000 | $ 230,217 | $ 141,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 67 | $ 61,095,000 | $ 911,865 | $ 472,000 |
| Elmira, NY | 64 | $ 7,700,000 | $ 120,312 | $ 82,000 |
| Pittsburgh, PA | 64 | $ 6,090,000 | $ 95,156 | $ 110,000 |
| Tampa, FL | 61 | $ 13,975,000 | $ 229,098 | $ 141,000 |
| Chicago-Naperville, IL | 60 | $ 13,680,000 | $ 228,000 | $ 120,000 |
| Glens Falls, NY | 55 | $ 12,015,000 | $ 218,454 | $ 149,000 |
| Miami-Miami Beach-Kendall, FL | 53 | $ 17,365,000 | $ 327,641 | $ 182,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 52 | $ 15,980,000 | $ 307,307 | $ 358,000 |
| Houston-The Woodlands-Sugar Land, TX | 52 | $ 10,810,000 | $ 207,884 | $ 135,000 |
| Jacksonville, FL | 48 | $ 14,540,000 | $ 302,916 | $ 144,000 |
| Charlotte-Concord-Gastonia, NC-SC | 46 | $ 22,610,000 | $ 491,521 | $ 220,304 |
| Indianapolis-Carmel-Anderson, IN | 43 | $ 8,645,000 | $ 201,046 | $ 120,000 |
| Amherst Town-Northampton, MA | 38 | $ 7,330,000 | $ 192,894 | $ 112,000 |
| Barnstable Town, MA | 38 | $ 19,690,000 | $ 518,157 | $ 331,000 |
| Cape Coral-Fort Myers, FL | 37 | $ 16,675,000 | $ 450,675 | $ 356,000 |
| North Port-Sarasota-Bradenton, FL | 36 | $ 12,850,000 | $ 356,944 | $ 415,000 |
| Riverside-San Bernardino-Ontario, CA | 36 | $ 12,990,000 | $ 360,833 | $ 161,000 |
| San Antonio-New Braunfels, TX | 36 | $ 8,870,000 | $ 246,388 | $ 161,000 |
| Denver-Aurora-Lakewood, CO | 35 | $ 17,365,000 | $ 496,142 | $ 174,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 35 | $ 13,625,000 | $ 389,285 | $ 173,000 |
| Birmingham-Hoover, AL | 32 | $ 7,070,000 | $ 220,937 | $ 107,000 |
| Colorado Springs, CO | 31 | $ 12,105,000 | $ 390,483 | $ 136,000 |
| Los Angeles-Long Beach-Glendale, CA | 31 | $ 21,635,000 | $ 697,903 | $ 650,000 |
| Naples-Immokalee-Marco Island, FL | 28 | $ 19,080,000 | $ 681,428 | $ 692,000 |
| Cincinnati, OH-KY-IN | 27 | $ 4,865,000 | $ 180,185 | $ 122,555 |
| Lakeland-Winter Haven, FL | 27 | $ 3,955,000 | $ 146,481 | $ 122,000 |
| Las Vegas-Henderson-Paradise, NV | 27 | $ 10,715,000 | $ 396,851 | $ 126,000 |
| St. Petersburg-Clearwater-Largo, FL | 27 | $ 11,815,000 | $ 437,592 | $ 616,000 |
| Dallas-Plano-Irving, TX | 26 | $ 7,410,000 | $ 285,000 | $ 131,000 |
| Kansas City, MO-KS | 26 | $ 5,130,000 | $ 197,307 | $ 126,730 |
| Winchester, VA-WV | 26 | $ 3,130,000 | $ 120,384 | $ 117,884 |
| Fort Worth-Arlington, TX | 25 | $ 7,215,000 | $ 288,600 | $ 151,000 |
| Marietta, GA | 24 | $ 6,140,000 | $ 255,833 | $ 107,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 24 | $ 6,840,000 | $ 285,000 | $ 110,000 |
| St. Louis, MO-IL | 24 | $ 3,690,000 | $ 153,750 | $ 83,666 |
| Tacoma-Lakewood, WA | 24 | $ 10,250,000 | $ 427,083 | $ 218,000 |
| Tucson, AZ | 23 | $ 6,625,000 | $ 288,043 | $ 118,000 |
| Warren-Troy-Farmington Hills, MI | 23 | $ 5,835,000 | $ 253,695 | $ 101,000 |
| Cleveland, OH | 22 | $ 3,820,000 | $ 173,636 | $ 99,000 |
| Columbus, OH | 22 | $ 4,530,000 | $ 205,909 | $ 118,000 |
| Memphis, TN-MS-AR | 22 | $ 4,330,000 | $ 196,818 | $ 104,636 |
| Pensacola-Ferry Pass-Brent, FL | 22 | $ 3,910,000 | $ 177,727 | $ 88,000 |
| Raleigh, NC | 22 | $ 9,210,000 | $ 418,636 | $ 237,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 21 | $ 5,875,000 | $ 279,761 | $ 167,857 |
| San Diego-Carlsbad, CA | 21 | $ 12,145,000 | $ 578,333 | $ 185,000 |
| Charleston-North Charleston, SC | 19 | $ 8,375,000 | $ 440,789 | $ 180,000 |
| Port St. Lucie, FL | 19 | $ 7,505,000 | $ 395,000 | $ 251,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 19 | $ 7,585,000 | $ 399,210 | $ 115,000 |
| Oklahoma City, OK | 18 | $ 2,450,000 | $ 136,111 | $ 76,000 |
| Watertown-Fort Drum, NY | 18 | $ 2,470,000 | $ 137,222 | $ 242,000 |
| Albuquerque, NM | 17 | $ 4,035,000 | $ 237,352 | $ 127,000 |
| Johnstown, PA | 17 | $ 805,000 | $ 47,352 | $ 79,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 17 | $ 6,335,000 | $ 372,647 | $ 153,000 |
| Palm Bay-Melbourne-Titusville, FL | 17 | $ 5,155,000 | $ 303,235 | $ 274,000 |
| Detroit-Dearborn-Livonia, MI | 16 | $ 3,170,000 | $ 198,125 | $ 110,000 |
| Greenville-Anderson-Mauldin, SC | 16 | $ 3,130,000 | $ 195,625 | $ 86,000 |
| Urban Honolulu, HI | 16 | $ 12,260,000 | $ 766,250 | $ 182,000 |
| Charlottesville, VA | 15 | $ 2,855,000 | $ 190,333 | $ 187,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 15 | $ 7,315,000 | $ 487,666 | $ 266,000 |
| Killeen-Temple, TX | 15 | $ 5,165,000 | $ 344,333 | $ 156,000 |
| Oakland-Hayward-Berkeley, CA | 15 | $ 11,385,000 | $ 759,000 | $ 300,000 |
| Pittsfield, MA | 15 | $ 5,715,000 | $ 381,000 | $ 216,000 |
| Winston-Salem, NC | 15 | $ 2,835,000 | $ 189,000 | $ 72,000 |
| Columbia, SC | 14 | $ 3,000,000 | $ 214,285 | $ 83,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 5,300,000 | $ 378,571 | $ 309,000 |
| Milwaukee-Waukesha-West Allis, WI | 14 | $ 3,330,000 | $ 237,857 | $ 90,000 |
| Savannah, GA | 14 | $ 4,430,000 | $ 316,428 | $ 313,000 |
| Wilmington, NC | 14 | $ 4,640,000 | $ 331,428 | $ 198,000 |
| Akron, OH | 13 | $ 3,355,000 | $ 258,076 | $ 130,000 |
| Fayetteville, NC | 13 | $ 2,025,000 | $ 155,769 | $ 105,000 |
| Montgomery, AL | 13 | $ 2,555,000 | $ 196,538 | $ 110,000 |
| Punta Gorda, FL | 13 | $ 2,945,000 | $ 226,538 | $ 133,000 |
| Roanoke, VA | 13 | $ 915,000 | $ 70,384 | $ 98,000 |
| Fresno, CA | 12 | $ 2,780,000 | $ 231,666 | $ 147,000 |
| Lake County-Kenosha County, IL-WI | 12 | $ 2,830,000 | $ 235,833 | $ 162,000 |
| New Orleans-Metairie, LA | 12 | $ 1,790,000 | $ 149,166 | $ 101,000 |
| Sebastian-Vero Beach, FL | 12 | $ 6,240,000 | $ 520,000 | $ 431,000 |
| Vineland-Bridgeton, NJ | 12 | $ 1,480,000 | $ 123,333 | $ 87,000 |
| Augusta-Richmond County, GA-SC | 11 | $ 2,665,000 | $ 242,272 | $ 110,454 |
| Clarksville, TN-KY | 11 | $ 2,525,000 | $ 229,545 | $ 120,363 |
| Greensboro-High Point, NC | 11 | $ 2,245,000 | $ 204,090 | $ 88,000 |
| Lewiston-Auburn, ME | 11 | $ 1,035,000 | $ 94,090 | $ 101,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 2,235,000 | $ 203,181 | $ 106,000 |
| Huntsville, AL | 10 | $ 2,820,000 | $ 282,000 | $ 104,000 |
| Olympia-Tumwater, WA | 10 | $ 3,510,000 | $ 351,000 | $ 127,000 |
| Boise City, ID | 9 | $ 3,705,000 | $ 411,666 | $ 164,000 |
| Crestview-Fort Walton Beach-Destin, FL | 9 | $ 3,005,000 | $ 333,888 | $ 116,000 |
| Dayton-Springfield-Kettering, OH | 9 | $ 2,095,000 | $ 232,777 | $ 114,000 |
| Erie, PA | 9 | $ 1,055,000 | $ 117,222 | $ 99,000 |
| Little Rock-North Little Rock-Conway, AR | 9 | $ 1,295,000 | $ 143,888 | $ 69,000 |
| Ocala, FL | 9 | $ 1,155,000 | $ 128,333 | $ 86,000 |
| Wichita, KS | 9 | $ 1,215,000 | $ 135,000 | $ 101,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 650,000 | $ 81,250 | $ 73,000 |
| Canton-Massillon, OH | 8 | $ 2,160,000 | $ 270,000 | $ 232,000 |
| Gulfport-Biloxi-Pascagoula, MS | 8 | $ 1,470,000 | $ 183,750 | $ 118,000 |
| Jacksonville, NC | 8 | $ 1,650,000 | $ 206,250 | $ 117,000 |
| Lake County-Porter County-Jasper County, IN | 8 | $ 1,420,000 | $ 177,500 | $ 78,000 |
| Lynchburg, VA | 8 | $ 2,310,000 | $ 288,750 | $ 146,000 |
| Prescott Valley-Prescott, AZ | 8 | $ 2,760,000 | $ 345,000 | $ 85,000 |
| Salt Lake City, UT | 8 | $ 3,570,000 | $ 446,250 | $ 195,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 10,730,000 | $ 1,341,250 | $ 626,000 |
| Austin-Round Rock, TX | 7 | $ 2,705,000 | $ 386,428 | $ 167,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 1,545,000 | $ 220,714 | $ 180,000 |
| Fort Wayne, IN | 7 | $ 1,035,000 | $ 147,857 | $ 121,000 |
| Louisville/Jefferson County, KY-IN | 7 | $ 1,575,000 | $ 225,000 | $ 140,285 |
| Seattle-Bellevue-Everett, WA | 7 | $ 3,565,000 | $ 509,285 | $ 222,000 |
| Spartanburg, SC | 7 | $ 1,305,000 | $ 186,428 | $ 145,000 |
| Springfield, MO | 7 | $ 1,255,000 | $ 179,285 | $ 77,000 |
| Bakersfield, CA | 6 | $ 1,350,000 | $ 225,000 | $ 114,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 650,000 | $ 108,333 | $ 71,833 |
| Des Moines-West Des Moines, IA | 6 | $ 1,020,000 | $ 170,000 | $ 58,000 |
| El Paso, TX | 6 | $ 1,090,000 | $ 181,666 | $ 131,000 |
| Gainesville, FL | 6 | $ 400,000 | $ 66,666 | $ 72,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 940,000 | $ 156,666 | $ 156,000 |
| Morgantown, WV | 6 | $ 880,000 | $ 146,666 | $ 99,000 |
| Pinehurst-Southern Pines, NC | 6 | $ 2,470,000 | $ 411,666 | $ 233,000 |
| Racine, WI | 6 | $ 980,000 | $ 163,333 | $ 71,000 |
| Shreveport-Bossier City, LA | 6 | $ 1,490,000 | $ 248,333 | $ 109,000 |
| Topeka, KS | 6 | $ 840,000 | $ 140,000 | $ 94,000 |
| Tuscaloosa, AL | 6 | $ 1,130,000 | $ 188,333 | $ 90,000 |
| Vallejo-Fairfield, CA | 6 | $ 2,030,000 | $ 338,333 | $ 125,000 |
| Visalia-Porterville, CA | 6 | $ 1,200,000 | $ 200,000 | $ 96,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 780,000 | $ 130,000 | $ 76,000 |
| Abilene, TX | 5 | $ 1,265,000 | $ 253,000 | $ 152,000 |
| Albany, GA | 5 | $ 695,000 | $ 139,000 | $ 69,000 |
| Bangor, ME | 5 | $ 295,000 | $ 59,000 | $ 154,000 |
| Baton Rouge, LA | 5 | $ 955,000 | $ 191,000 | $ 120,000 |
| Charleston, WV | 5 | $ 555,000 | $ 111,000 | $ 83,000 |
| Chattanooga, TN-GA | 5 | $ 775,000 | $ 155,000 | $ 41,600 |
| Elgin, IL | 5 | $ 885,000 | $ 177,000 | $ 112,000 |
| Flint, MI | 5 | $ 645,000 | $ 129,000 | $ 67,000 |
| Florence, SC | 5 | $ 895,000 | $ 179,000 | $ 67,000 |
| Fort Collins, CO | 5 | $ 1,645,000 | $ 329,000 | $ 95,000 |
| Homosassa Springs, FL | 5 | $ 835,000 | $ 167,000 | $ 63,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 585,000 | $ 117,000 | $ 59,400 |
| Jackson, MS | 5 | $ 835,000 | $ 167,000 | $ 99,000 |
| Knoxville, TN | 5 | $ 1,675,000 | $ 335,000 | $ 187,000 |
| Mobile, AL | 5 | $ 1,285,000 | $ 257,000 | $ 86,000 |
| Ogden-Clearfield, UT | 5 | $ 1,935,000 | $ 387,000 | $ 101,000 |
| Valdosta, GA | 5 | $ 965,000 | $ 193,000 | $ 192,000 |
| Yuma, AZ | 5 | $ 935,000 | $ 187,000 | $ 89,000 |
| Anchorage, AK | 4 | $ 1,550,000 | $ 387,500 | $ 113,000 |
| Champaign-Urbana, IL | 4 | $ 760,000 | $ 190,000 | $ 105,000 |
| Coeur D'Alene, ID | 4 | $ 1,050,000 | $ 262,500 | $ 105,000 |
| College Station-Bryan, TX | 4 | $ 960,000 | $ 240,000 | $ 212,000 |
| Harrisonburg, VA | 4 | $ 780,000 | $ 195,000 | $ 179,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 960,000 | $ 240,000 | $ 149,000 |
| Lafayette-West Lafayette, IN | 4 | $ 650,000 | $ 162,500 | $ 85,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 3,020,000 | $ 755,000 | $ 287,000 |
| Provo-Orem, UT | 4 | $ 1,280,000 | $ 320,000 | $ 87,000 |
| Rockford, IL | 4 | $ 730,000 | $ 182,500 | $ 134,000 |
| St. George, UT | 4 | $ 2,340,000 | $ 585,000 | $ 267,000 |
| St. Joseph, MO-KS | 4 | $ 960,000 | $ 240,000 | $ 100,000 |
| Staunton-Waynesboro, VA | 4 | $ 220,000 | $ 55,000 | $ 65,000 |
| Stockton-Lodi, CA | 4 | $ 1,430,000 | $ 357,500 | $ 61,000 |
| Tallahassee, FL | 4 | $ 1,210,000 | $ 302,500 | $ 218,000 |
| Tulsa, OK | 4 | $ 740,000 | $ 185,000 | $ 113,000 |
| Warner Robins, GA | 4 | $ 800,000 | $ 200,000 | $ 106,000 |
| Wildwood-The Villages, FL | 4 | $ 1,280,000 | $ 320,000 | $ 171,000 |
| Albany, OR | 3 | $ 525,000 | $ 175,000 | $ 66,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 435,000 | $ 145,000 | $ 133,000 |
| Asheville, NC | 3 | $ 955,000 | $ 318,333 | $ 112,000 |
| Auburn-Opelika, AL | 3 | $ 285,000 | $ 95,000 | $ 56,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 665,000 | $ 221,666 | $ 139,000 |
| Decatur, AL | 3 | $ 305,000 | $ 101,666 | $ 63,000 |
| Durham-Chapel Hill, NC | 3 | $ 1,355,000 | $ 451,666 | $ 204,000 |
| El Centro, CA | 3 | $ 395,000 | $ 131,666 | $ 81,000 |
| Eugene, OR | 3 | $ 725,000 | $ 241,666 | $ 107,000 |
| Everett, WA | 3 | $ 2,105,000 | $ 701,666 | $ 174,000 |
| Florence-Muscle Shoals, AL | 3 | $ 345,000 | $ 115,000 | $ 70,000 |
| Fort Smith, AR-OK | 3 | $ 545,000 | $ 181,666 | $ 73,333 |
| Gainesville, GA | 3 | $ 765,000 | $ 255,000 | $ 106,000 |
| Grand Junction, CO | 3 | $ 685,000 | $ 228,333 | $ 112,000 |
| Kenosha, WI | 3 | $ 605,000 | $ 201,666 | $ 37,000 |
| Lincoln, NE | 3 | $ 565,000 | $ 188,333 | $ 614,000 |
| Longview, TX | 3 | $ 615,000 | $ 205,000 | $ 131,000 |
| Macon-Bibb County, GA | 3 | $ 385,000 | $ 128,333 | $ 33,000 |
| Muskegon, MI | 3 | $ 445,000 | $ 148,333 | $ 39,000 |
| Oshkosh-Neenah, WI | 3 | $ 335,000 | $ 111,666 | $ 109,000 |
| Panama City, FL | 3 | $ 565,000 | $ 188,333 | $ 118,000 |
| Reno, NV | 3 | $ 1,465,000 | $ 488,333 | $ 184,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 1,775,000 | $ 591,666 | $ 697,000 |
| Springfield, IL | 3 | $ 495,000 | $ 165,000 | $ 83,000 |
| Texarkana, TX-AR | 3 | $ 235,000 | $ 78,333 | $ 0 |
| Wheeling, WV-OH | 3 | $ 135,000 | $ 45,000 | $ 45,000 |
| Wichita Falls, TX | 3 | $ 695,000 | $ 231,666 | $ 153,000 |
| Yakima, WA | 3 | $ 685,000 | $ 228,333 | $ 83,000 |
| Amarillo, TX | 2 | $ 620,000 | $ 310,000 | $ 75,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 2,710,000 | $ 1,355,000 | $ 509,000 |
| Appleton, WI | 2 | $ 280,000 | $ 140,000 | $ 60,000 |
| Athens-Clarke County, GA | 2 | $ 320,000 | $ 160,000 | $ 223,000 |
| Beaumont-Port Arthur, TX | 2 | $ 320,000 | $ 160,000 | $ 95,000 |
| Bend-Redmond, OR | 2 | $ 760,000 | $ 380,000 | $ 105,000 |
| Boulder, CO | 2 | $ 1,330,000 | $ 665,000 | $ 212,000 |
| Bremerton-Silverdale, WA | 2 | $ 430,000 | $ 215,000 | $ 89,000 |
| Casper, WY | 2 | $ 330,000 | $ 165,000 | $ 105,000 |
| Cedar Rapids, IA | 2 | $ 45,970,000 | $ 22,985,000 | $ 0 |
| Cheyenne, WY | 2 | $ 1,090,000 | $ 545,000 | $ 205,000 |
| Cleveland, TN | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Corpus Christi, TX | 2 | $ 300,000 | $ 150,000 | $ 87,000 |
| Dothan, AL | 2 | $ 180,000 | $ 90,000 | $ 48,000 |
| Goldsboro, NC | 2 | $ 270,000 | $ 135,000 | $ 114,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 130,000 | $ 65,000 | $ 22,000 |
| Greeley, CO | 2 | $ 620,000 | $ 310,000 | $ 102,000 |
| Green Bay, WI | 2 | $ 360,000 | $ 180,000 | $ 73,000 |
| Hammond, LA | 2 | $ 330,000 | $ 165,000 | $ 122,000 |
| Hattiesburg, MS | 2 | $ 500,000 | $ 250,000 | $ 74,000 |
| Idaho Falls, ID | 2 | $ 430,000 | $ 215,000 | $ 63,000 |
| Jackson, TN | 2 | $ 230,000 | $ 115,000 | $ 33,000 |
| Johnson City, TN | 2 | $ 460,000 | $ 230,000 | $ 86,000 |
| Jonesboro, AR | 2 | $ 370,000 | $ 185,000 | $ 89,000 |
| Joplin, MO | 2 | $ 230,000 | $ 115,000 | $ 55,000 |
| Lafayette, LA | 2 | $ 590,000 | $ 295,000 | $ 93,000 |
| Lake Charles, LA | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 2 | $ 360,000 | $ 180,000 | $ 62,000 |
| Las Cruces, NM | 2 | $ 270,000 | $ 135,000 | $ 74,000 |
| Lawton, OK | 2 | $ 250,000 | $ 125,000 | $ 141,000 |
| Lexington-Fayette, KY | 2 | $ 620,000 | $ 310,000 | $ 72,000 |
| Lima, OH | 2 | $ 560,000 | $ 280,000 | $ 141,000 |
| Lubbock, TX | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Medford, OR | 2 | $ 320,000 | $ 160,000 | $ 64,000 |
| Michigan City-La Porte, IN | 2 | $ 350,000 | $ 175,000 | $ 137,000 |
| Modesto, CA | 2 | $ 610,000 | $ 305,000 | $ 108,000 |
| Owensboro, KY | 2 | $ 230,000 | $ 115,000 | $ 53,000 |
| Paducah, KY-IL | 2 | $ 340,000 | $ 170,000 | $ 49,000 |
| Peoria, IL | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Pocatello, ID | 2 | $ 400,000 | $ 200,000 | $ 59,000 |
| Pueblo, CO | 2 | $ 240,000 | $ 120,000 | $ 81,000 |
| Rocky Mount, NC | 2 | $ 340,000 | $ 170,000 | $ 100,000 |
| Rome, GA | 2 | $ 280,000 | $ 140,000 | $ 97,000 |
| Saginaw, MI | 2 | $ 160,000 | $ 80,000 | $ 60,000 |
| Salem, OR | 2 | $ 380,000 | $ 190,000 | $ 34,000 |
| San Angelo, TX | 2 | $ 560,000 | $ 280,000 | $ 117,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 840,000 | $ 420,000 | $ 326,000 |
| Santa Fe, NM | 2 | $ 950,000 | $ 475,000 | $ 106,000 |
| Sioux Falls, SD | 2 | $ 730,000 | $ 365,000 | $ 146,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 810,000 | $ 405,000 | $ 212,000 |
| Spokane-Spokane Valley, WA | 2 | $ 370,000 | $ 185,000 | $ 134,000 |
| Toledo, OH | 2 | $ 170,000 | $ 85,000 | $ 61,000 |
| Yuba City, CA | 2 | $ 570,000 | $ 285,000 | $ 81,000 |
| Ann Arbor, MI | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Beckley, WV | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Billings, MT | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Bloomington, IN | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Brownsville-Harlingen, TX | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Burlington, NC | 1 | $ 365,000 | $ 365,000 | $ 136,000 |
| Columbia, MO | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Columbus, GA-AL | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Duluth, MN-WI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Eau Claire, WI | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 395,000 | $ 395,000 | $ 224,000 |
| Elkhart-Goshen, IN | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Enid, OK | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 385,000 | $ 385,000 | $ 257,000 |
| Fargo, ND-MN | 1 | $ 465,000 | $ 465,000 | $ 204,000 |
| Farmington, NM | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 1,865,000 | $ 1,865,000 | $ 1,306,000 |
| Fond Du Lac, WI | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Grants Pass, OR | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Great Falls, MT | 1 | $ 285,000 | $ 285,000 | $ 160,000 |
| Greenville, NC | 1 | $ 505,000 | $ 505,000 | $ 195,000 |
| Hanford-Corcoran, CA | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Helena, MT | 1 | $ 325,000 | $ 325,000 | $ 84,000 |
| Hinesville, GA | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Houma-Thibodaux, LA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Jefferson City, MO | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Kennewick-Richland, WA | 1 | $ 355,000 | $ 355,000 | $ 479,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
| Kokomo, IN | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Lawrence, KS | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 355,000 | $ 355,000 | $ 252,000 |
| Logan, UT-ID | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Longview, WA | 1 | $ 455,000 | $ 455,000 | $ 89,000 |
| Madison, WI | 1 | $ 155,000 | $ 155,000 | $ 103,000 |
| Manhattan, KS | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Mansfield, OH | 1 | $ 225,000 | $ 225,000 | $ 124,000 |
| Midland, TX | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Monroe, MI | 1 | $ 185,000 | $ 185,000 | $ 121,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Muncie, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Odessa, TX | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Rapid City, SD | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Redding, CA | 1 | $ 345,000 | $ 345,000 | $ 87,000 |
| Salinas, CA | 1 | $ 355,000 | $ 355,000 | $ 374,000 |
| San Juan-Carolina-Caguas, PR | 1 | $ 35,000 | $ 35,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 395,000 | $ 395,000 | $ 163,000 |
| Sandusky, OH | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 675,000 | $ 675,000 | $ 404,000 |
| Sebring, FL | 1 | $ 205,000 | $ 205,000 | $ 138,000 |
| Sheboygan, WI | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Sherman-Denison, TX | 1 | $ 275,000 | $ 275,000 | $ 133,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Cloud, MN | 1 | $ 1,195,000 | $ 1,195,000 | $ 840,000 |
| Traverse City, MI | 1 | $ 2,415,000 | $ 2,415,000 | $ 2,063,000 |
| Victoria, TX | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Waco, TX | 1 | $ 625,000 | $ 625,000 | $ 266,000 |
| Wausau, WI | 1 | $ 315,000 | $ 315,000 | $ 91,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Wenatchee, WA | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for M&T Bank in 2024
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 | 12,073 | $1,462,705,000 | $121,000 | $13,005,000 | $133,000 | $9,295,000 |
| Home Purchase | 9,753 | $3,934,305,000 | $403,000 | $27,955,000 | $205,000 | $9,099,000 |
| Refinancing | 6,152 | $1,520,400,000 | $247,000 | $45,895,000 | $161,000 | $4,055,000 |
| Other Purpose | 5,508 | $738,340,000 | $134,000 | $4,005,000 | $152,000 | $6,910,000 |
| Cash-out Refinancing | 2,637 | $691,975,000 | $262,000 | $6,755,000 | $114,000 | $6,346,000 |
| Not Applicable | 254 | $33,340,000 | $131,000 | $555,000 | $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 | 23,163 | $4,966,575,000 | $214,000 | $6,755,000 | $159,000 | $9,099,000 |
| Black or African American | 3,850 | $571,640,000 | $148,000 | $2,695,000 | $107,000 | $2,427,000 |
| Hispanic | 3,259 | $566,975,000 | $173,000 | $2,105,000 | $115,000 | $3,704,000 |
| Not Provided | 2,884 | $912,500,000 | $316,000 | $27,955,000 | $226,000 | $9,295,000 |
| Asian | 2,298 | $1,033,800,000 | $449,000 | $3,895,000 | $217,000 | $3,155,000 |
| Not applicable | 671 | $283,365,000 | $422,000 | $45,895,000 | $0 | $0 |
| American Indian or Alaskan Native | 142 | $28,890,000 | $203,000 | $1,875,000 | $125,000 | $1,094,000 |
| Native Hawaiian or Other Pacific Islander | 63 | $11,265,000 | $178,000 | $725,000 | $129,000 | $443,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 32,433 | $7,369,145,000 | $227,000 | $45,895,000 | $165,000 | $9,295,000 |
| FHA-insured (Federal Housing Administration) | 3,020 | $687,920,000 | $227,000 | $1,485,000 | $89,000 | $2,189,000 |
| VA-guaranteed (Veterans Administration) | 894 | $319,250,000 | $357,000 | $1,935,000 | $145,000 | $1,193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,750,000 | $158,000 | $335,000 | $85,000 | $220,000 |
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 | 20,743 | $5,369,435,000 | $258,000 | $45,895,000 | $175,000 | $9,295,000 |
| Application Denied By Financial Institution | 11,248 | $1,775,260,000 | $157,000 | $27,955,000 | $118,000 | $6,910,000 |
| Application Withdrawn By Applicant | 2,329 | $864,755,000 | $371,000 | $4,205,000 | $193,000 | $4,610,000 |
| Application Approved But Not Accepted | 986 | $144,470,000 | $146,000 | $3,005,000 | $136,000 | $3,848,000 |
| Loan Purchased By The Institution | 544 | $106,490,000 | $195,000 | $1,435,000 | $0 | $0 |
| File Closed For Incompleteness | 527 | $120,655,000 | $228,000 | $3,105,000 | $159,000 | $3,851,000 |
| 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 | 25,129 | $6,605,805,000 | $262,000 | $45,895,000 | $175,000 | $9,295,000 |
| Debt-To-Income Ratio | 4,331 | $817,955,000 | $188,000 | $2,005,000 | $81,000 | $1,484,000 |
| Credit History | 3,936 | $356,680,000 | $90,000 | $2,005,000 | $131,000 | $4,802,000 |
| Collateral | 1,592 | $291,100,000 | $182,000 | $3,505,000 | $168,000 | $4,000,000 |
| Other | 1,038 | $228,660,000 | $220,000 | $27,955,000 | $166,000 | $5,445,000 |
| Unverifiable Information | 122 | $24,590,000 | $201,000 | $1,465,000 | $128,000 | $1,225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 79 | $19,275,000 | $243,000 | $1,765,000 | $87,000 | $496,000 |
| Credit Application Incomplete | 77 | $23,065,000 | $299,000 | $1,935,000 | $136,000 | $765,000 |
| Employment History | 71 | $13,515,000 | $190,000 | $2,005,000 | $203,000 | $6,910,000 |
| Mortgage Insurance Denied | 2 | $420,000 | $210,000 | $405,000 | $116,000 | $116,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M&T Bank's 2024 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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