M&T Bank Mortgage Lending & HMDA Data, 2014
In 2014, M&T Bank of Buffalo, NY reported 32,448 mortgage applications totaling $7.6 billion, down 37% from 2013. The average application was for $233,456, and applicants reported an average income of $59,508. 53% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (3,335), Baltimore-Columbia-Towson, MD (2,281) and New York-Jersey City-White Plains, NY-NJ (2,030) (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 | 32,448 |
| Total Mortgage Loan Application Amount | $7,575,187,000 |
| Average Mortgage Loan Application Amount | $233,456 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $59,508 |
| Highest Applicant Income | $9,999,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 Purchase | 16,369 | $5,154,743,000 | $314,000 | $99,999,000 | $61,000 | $9,999,000 |
| Refinancing | 10,777 | $2,076,359,000 | $192,000 | $15,500,000 | $57,000 | $9,999,000 |
| Home Improvement | 5,302 | $344,085,000 | $64,000 | $99,999,000 | $60,000 | $2,304,000 |
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 | 17,782 | $2,620,294,000 | $147,000 | $8,500,000 | $79,000 | $9,999,000 |
| Not applicable | 7,036 | $3,837,715,000 | $545,000 | $99,999,000 | $0 | $2,357,000 |
| Black or African American | 2,705 | $290,631,000 | $107,000 | $1,500,000 | $45,000 | $1,979,000 |
| Not Provided | 2,513 | $436,665,000 | $173,000 | $3,000,000 | $104,000 | $3,550,000 |
| Hispanic | 1,443 | $200,902,000 | $139,000 | $789,000 | $46,000 | $1,900,000 |
| Asian | 764 | $166,080,000 | $217,000 | $2,000,000 | $102,000 | $4,710,000 |
| American Indian or Alaskan Native | 134 | $12,075,000 | $90,000 | $770,000 | $58,000 | $810,000 |
| Native Hawaiian or Other Pacific Islander | 71 | $10,825,000 | $152,000 | $577,000 | $58,000 | $500,000 |
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) | 20,027 | $5,380,225,000 | $268,000 | $99,999,000 | $83,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 10,706 | $1,887,782,000 | $176,000 | $1,227,000 | $19,000 | $1,584,000 |
| VA-guaranteed (Veterans Administration) | 1,135 | $220,777,000 | $194,000 | $733,000 | $53,000 | $442,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 580 | $86,403,000 | $148,000 | $410,000 | $43,000 | $125,000 |
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 | 17,219 | $5,163,805,000 | $299,000 | $99,999,000 | $77,000 | $9,999,000 |
| Loan Purchased By The Institution | 6,490 | $1,281,353,000 | $197,000 | $1,227,000 | $0 | $0 |
| Application Denied By Financial Institution | 5,180 | $445,945,000 | $86,000 | $4,300,000 | $59,000 | $1,706,000 |
| Application Withdrawn By Applicant | 1,476 | $326,165,000 | $220,000 | $8,000,000 | $100,000 | $9,999,000 |
| Application Approved But Not Accepted | 1,397 | $248,469,000 | $177,000 | $2,138,000 | $87,000 | $8,311,000 |
| File Closed For Incompleteness | 519 | $75,892,000 | $146,000 | $700,000 | $52,000 | $2,304,000 |
| Preapproval Denied by Financial Institution | 167 | $33,558,000 | $200,000 | $1,500,000 | $63,000 | $342,000 |
| 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 2014 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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