M&T Bank Mortgage Lending & HMDA Data, 2012
In 2012, M&T Bank of Buffalo, NY reported 51,116 mortgage applications totaling $10.7 billion, up 56% from 2011. The average application was for $210,283, and applicants reported an average income of $60,923. 56% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Buffalo-Niagara Falls, NY (4,190), Baltimore-Towson, MD (3,198) and Rochester, NY (1,990) (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 | 51,116 |
| Total Mortgage Loan Application Amount | $10,748,835,000 |
| Average Mortgage Loan Application Amount | $210,283 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $60,923 |
| Highest Applicant Income | $8,869,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 27,476 | $5,969,809,000 | $217,000 | $25,870,000 | $64,000 | $8,869,000 |
| Home Purchase | 17,269 | $4,230,181,000 | $244,000 | $47,000,000 | $56,000 | $3,394,000 |
| Home Improvement | 6,371 | $548,845,000 | $86,000 | $99,999,000 | $61,000 | $7,046,000 |
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 | 30,191 | $5,290,237,000 | $175,000 | $9,345,000 | $80,000 | $7,046,000 |
| Not applicable | 11,093 | $3,740,866,000 | $337,000 | $99,999,000 | $0 | $0 |
| Not Provided | 4,264 | $761,570,000 | $178,000 | $2,000,000 | $87,000 | $2,611,000 |
| Black or African American | 2,423 | $335,764,000 | $138,000 | $1,413,000 | $47,000 | $921,000 |
| Hispanic | 1,611 | $283,970,000 | $176,000 | $2,399,000 | $48,000 | $8,869,000 |
| Asian | 1,307 | $301,666,000 | $230,000 | $1,354,000 | $82,000 | $1,892,000 |
| American Indian or Alaskan Native | 141 | $16,799,000 | $119,000 | $825,000 | $60,000 | $698,000 |
| Native Hawaiian or Other Pacific Islander | 86 | $17,963,000 | $208,000 | $953,000 | $64,000 | $428,000 |
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) | 32,336 | $7,294,489,000 | $225,000 | $99,999,000 | $81,000 | $8,869,000 |
| FHA-insured (Federal Housing Administration) | 16,863 | $3,087,399,000 | $183,000 | $1,413,000 | $23,000 | $818,000 |
| VA-guaranteed (Veterans Administration) | 1,239 | $266,179,000 | $214,000 | $647,000 | $59,000 | $613,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 678 | $100,768,000 | $148,000 | $344,000 | $35,000 | $240,000 |
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 | 28,622 | $6,868,768,000 | $239,000 | $99,999,000 | $79,000 | $7,046,000 |
| Loan Purchased By The Institution | 10,684 | $2,068,567,000 | $193,000 | $1,352,000 | $0 | $0 |
| Application Denied By Financial Institution | 6,738 | $687,992,000 | $102,000 | $2,150,000 | $66,000 | $2,111,000 |
| Application Withdrawn By Applicant | 2,316 | $587,441,000 | $253,000 | $23,730,000 | $85,000 | $8,869,000 |
| Application Approved But Not Accepted | 2,077 | $411,385,000 | $198,000 | $2,399,000 | $80,000 | $3,152,000 |
| File Closed For Incompleteness | 511 | $93,910,000 | $183,000 | $808,000 | $67,000 | $501,000 |
| Preapproval Denied by Financial Institution | 168 | $30,772,000 | $183,000 | $742,000 | $59,000 | $318,000 |
| 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 2012 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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