M&T Bank Mortgage Lending & HMDA Data, 2015
In 2015, M&T Bank of Buffalo, NY reported 35,496 mortgage applications totaling $9.0 billion, up 9% from 2014. The average application was for $253,904, and applicants reported an average income of $67,769. 55% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (3,697), Baltimore-Columbia-Towson, MD (2,429) and New York-Jersey City-White Plains, NY-NJ (2,245) (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 | 35,496 |
| Total Mortgage Loan Application Amount | $9,012,610,000 |
| Average Mortgage Loan Application Amount | $253,904 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $67,769 |
| 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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 18,195 | $5,861,681,000 | $322,000 | $99,999,000 | $69,000 | $5,300,000 |
| Refinancing | 12,023 | $2,763,731,000 | $229,000 | $63,780,000 | $68,000 | $9,999,000 |
| Home Improvement | 5,278 | $387,198,000 | $73,000 | $32,500,000 | $63,000 | $914,000 |
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 | 17,353 | $2,721,227,000 | $156,000 | $4,631,000 | $83,000 | $9,999,000 |
| Not applicable | 10,607 | $5,086,700,000 | $479,000 | $99,999,000 | $38,000 | $1,159,000 |
| Black or African American | 2,513 | $280,279,000 | $111,000 | $1,500,000 | $48,000 | $1,921,000 |
| Not Provided | 2,503 | $498,323,000 | $199,000 | $12,000,000 | $115,000 | $5,593,000 |
| Hispanic | 1,514 | $211,882,000 | $139,000 | $1,080,000 | $45,000 | $808,000 |
| Asian | 791 | $185,998,000 | $235,000 | $4,084,000 | $98,000 | $3,981,000 |
| American Indian or Alaskan Native | 142 | $17,295,000 | $121,000 | $680,000 | $65,000 | $570,000 |
| Native Hawaiian or Other Pacific Islander | 73 | $10,906,000 | $149,000 | $496,000 | $56,000 | $350,000 |
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) | 22,635 | $6,549,250,000 | $289,000 | $99,999,000 | $79,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 11,388 | $2,195,917,000 | $192,000 | $964,000 | $49,000 | $2,365,000 |
| VA-guaranteed (Veterans Administration) | 1,076 | $206,293,000 | $191,000 | $950,000 | $46,000 | $397,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 397 | $61,150,000 | $154,000 | $398,000 | $47,000 | $118,000 |
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 | 19,513 | $6,269,692,000 | $321,000 | $99,999,000 | $71,000 | $7,663,000 |
| Loan Purchased By The Institution | 7,423 | $1,542,581,000 | $207,000 | $964,000 | $54,000 | $700,000 |
| Application Denied By Financial Institution | 4,983 | $490,231,000 | $98,000 | $4,000,000 | $65,000 | $5,593,000 |
| Application Withdrawn By Applicant | 1,577 | $358,690,000 | $227,000 | $12,000,000 | $104,000 | $9,999,000 |
| Application Approved But Not Accepted | 1,340 | $237,046,000 | $176,000 | $2,835,000 | $70,000 | $3,920,000 |
| File Closed For Incompleteness | 570 | $95,656,000 | $167,000 | $3,900,000 | $67,000 | $4,019,000 |
| Preapproval Denied by Financial Institution | 90 | $18,714,000 | $207,000 | $854,000 | $58,000 | $323,000 |
| 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 2015 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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