M&T Bank Mortgage Lending & HMDA Data, 2011
In 2011, M&T Bank of Buffalo, NY reported 32,749 mortgage applications totaling $6.0 billion. The average application was for $182,070, and applicants reported an average income of $78,839. 58% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Buffalo-Niagara Falls, NY (2,932), Baltimore-Towson, MD (2,306) and Rochester, NY (1,510) (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 | 32,749 |
| Total Mortgage Loan Application Amount | $5,962,622,000 |
| Average Mortgage Loan Application Amount | $182,070 |
| Highest Mortgage Loan Application Amount | $46,059,000 |
| Average Applicant Income | $78,839 |
| Highest Applicant Income | $4,512,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for M&T Bank in 2011
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 | 14,706 | $3,089,209,000 | $210,000 | $35,000,000 | $96,000 | $4,512,000 |
| Home Purchase | 12,868 | $2,536,469,000 | $197,000 | $37,143,000 | $66,000 | $2,328,000 |
| Home Improvement | 5,175 | $336,944,000 | $65,000 | $46,059,000 | $62,000 | $2,894,000 |
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 | 22,860 | $3,781,714,000 | $165,000 | $3,990,000 | $89,000 | $4,512,000 |
| Not applicable | 3,796 | $1,178,743,000 | $310,000 | $46,059,000 | $0 | $41,000 |
| Not Provided | 2,799 | $483,052,000 | $172,000 | $4,450,000 | $109,000 | $2,894,000 |
| Black or African American | 1,512 | $178,858,000 | $118,000 | $1,050,000 | $59,000 | $1,500,000 |
| Hispanic | 872 | $134,897,000 | $154,000 | $1,490,000 | $66,000 | $1,250,000 |
| Asian | 766 | $185,499,000 | $242,000 | $3,000,000 | $112,000 | $1,042,000 |
| American Indian or Alaskan Native | 89 | $10,443,000 | $117,000 | $863,000 | $84,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 55 | $9,416,000 | $171,000 | $474,000 | $83,000 | $391,000 |
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) | 21,225 | $3,951,117,000 | $186,000 | $46,059,000 | $99,000 | $4,512,000 |
| FHA-insured (Federal Housing Administration) | 9,992 | $1,723,794,000 | $172,000 | $1,044,000 | $40,000 | $1,270,000 |
| VA-guaranteed (Veterans Administration) | 993 | $205,420,000 | $206,000 | $725,000 | $60,000 | $449,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 539 | $82,291,000 | $152,000 | $352,000 | $45,000 | $119,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 19,083 | $3,726,084,000 | $195,000 | $46,059,000 | $94,000 | $4,512,000 |
| Application Denied By Financial Institution | 5,379 | $604,058,000 | $112,000 | $2,000,000 | $66,000 | $2,894,000 |
| Loan Purchased By The Institution | 3,541 | $624,602,000 | $176,000 | $990,000 | $0 | $0 |
| Application Withdrawn By Applicant | 2,082 | $479,523,000 | $230,000 | $3,990,000 | $96,000 | $4,487,000 |
| Application Approved But Not Accepted | 2,072 | $415,592,000 | $200,000 | $1,500,000 | $92,000 | $2,000,000 |
| File Closed For Incompleteness | 369 | $74,918,000 | $203,000 | $1,200,000 | $105,000 | $1,189,000 |
| Preapproval Denied by Financial Institution | 223 | $37,845,000 | $169,000 | $800,000 | $51,000 | $173,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M&T Bank's 2011 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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