M&T Bank Mortgage Lending & HMDA Data, 2013
In 2013, M&T Bank of Buffalo, NY reported 51,476 mortgage applications totaling $10.7 billion, up 1% from 2012. The average application was for $208,295, and applicants reported an average income of $51,267. 53% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Buffalo-Niagara Falls, NY (4,011), Baltimore-Towson, MD (3,037) and New York-White Plains-Wayne, NY-NJ (2,262) (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 | 51,476 |
| Total Mortgage Loan Application Amount | $10,722,204,000 |
| Average Mortgage Loan Application Amount | $208,295 |
| Highest Mortgage Loan Application Amount | $66,000,000 |
| Average Applicant Income | $51,267 |
| Highest Applicant Income | $7,000,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 26,692 | $5,494,051,000 | $205,000 | $50,000,000 | $47,000 | $7,000,000 |
| Home Purchase | 19,432 | $4,934,983,000 | $253,000 | $66,000,000 | $55,000 | $6,789,000 |
| Home Improvement | 5,352 | $293,170,000 | $54,000 | $57,000,000 | $59,000 | $939,000 |
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 | 27,902 | $4,765,596,000 | $170,000 | $7,500,000 | $73,000 | $7,000,000 |
| Not applicable | 12,884 | $4,152,938,000 | $322,000 | $66,000,000 | $0 | $290,000 |
| Not Provided | 3,641 | $648,060,000 | $177,000 | $3,657,000 | $84,000 | $3,730,000 |
| Black or African American | 3,140 | $428,996,000 | $136,000 | $941,000 | $40,000 | $687,000 |
| Hispanic | 2,232 | $371,720,000 | $166,000 | $911,000 | $34,000 | $4,836,000 |
| Asian | 1,427 | $316,452,000 | $221,000 | $1,324,000 | $70,000 | $1,752,000 |
| American Indian or Alaskan Native | 153 | $18,628,000 | $121,000 | $770,000 | $49,000 | $986,000 |
| Native Hawaiian or Other Pacific Islander | 97 | $19,814,000 | $204,000 | $800,000 | $47,000 | $200,000 |
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) | 30,988 | $6,874,098,000 | $221,000 | $66,000,000 | $72,000 | $7,000,000 |
| FHA-insured (Federal Housing Administration) | 18,664 | $3,508,161,000 | $187,000 | $1,374,000 | $17,000 | $559,000 |
| VA-guaranteed (Veterans Administration) | 1,208 | $249,285,000 | $206,000 | $750,000 | $52,000 | $426,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 616 | $90,660,000 | $147,000 | $407,000 | $37,000 | $95,000 |
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 | 27,343 | $6,432,760,000 | $235,000 | $66,000,000 | $69,000 | $7,000,000 |
| Loan Purchased By The Institution | 12,325 | $2,430,619,000 | $197,000 | $1,374,000 | $0 | $0 |
| Application Denied By Financial Institution | 5,934 | $633,564,000 | $106,000 | $2,900,000 | $60,000 | $4,672,000 |
| Application Approved But Not Accepted | 2,984 | $583,672,000 | $195,000 | $2,125,000 | $68,000 | $3,725,000 |
| Application Withdrawn By Applicant | 2,099 | $494,540,000 | $235,000 | $18,000,000 | $79,000 | $4,836,000 |
| File Closed For Incompleteness | 644 | $117,991,000 | $183,000 | $1,000,000 | $54,000 | $1,200,000 |
| Preapproval Denied by Financial Institution | 147 | $29,058,000 | $197,000 | $900,000 | $62,000 | $210,000 |
| 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 2013 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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