M&T Bank, NA Mortgage Lending & HMDA Data, 2008
In 2008, M&T Bank, NA of Buffalo, NY reported 1,013 mortgage applications totaling $304.6 million. The average application was for $300,730, and applicants reported an average income of $13,492. 8% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Buffalo-Niagara Falls, NY (177), New York-White Plains-Wayne, NY-NJ (69) and Rochester, NY (64) (applications in parentheses).
| Mortgage Company & Address | M&T Bank, NA 1 M&T Plaza - 15th Floor Buffalo, NY 14203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 |
| Total Number of Mortgage Applications | 1,013 |
| Total Mortgage Loan Application Amount | $304,640,000 |
| Average Mortgage Loan Application Amount | $300,730 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $13,492 |
| Highest Applicant Income | $457,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records M&T Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Buffalo-Niagara Falls, NY | 177 | $ 32,780,000 | $ 185,197 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 69 | $ 34,679,000 | $ 502,594 | $ 27,434 |
| Rochester, NY | 64 | $ 13,338,000 | $ 208,406 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 61 | $ 17,029,000 | $ 279,163 | $ 83,000 |
| Albany-Schenectady-Troy, NY | 49 | $ 13,909,000 | $ 283,857 | $ 0 |
| Baltimore-Towson, MD | 46 | $ 18,144,000 | $ 394,434 | $ 3,000 |
| New Haven-Milford, CT | 41 | $ 7,461,000 | $ 181,975 | $ 77,000 |
| Syracuse, NY | 35 | $ 7,248,000 | $ 207,085 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 32 | $ 11,204,000 | $ 350,125 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 25 | $ 11,620,000 | $ 464,800 | $ 8,640 |
| Binghamton, NY | 24 | $ 4,797,000 | $ 199,875 | $ 0 |
| York-Hanover, PA | 21 | $ 4,973,000 | $ 236,809 | $ 0 |
| Nassau-Suffolk, NY | 17 | $ 14,306,000 | $ 841,529 | $ 12,000 |
| Cumberland, MD-WV | 14 | $ 1,954,000 | $ 139,571 | $ 0 |
| Harrisburg-Carlisle, PA | 14 | $ 3,227,000 | $ 230,500 | $ 0 |
| Scranton--Wilkes-Barre, PA | 14 | $ 2,937,000 | $ 209,785 | $ 0 |
| Lancaster, PA | 13 | $ 3,170,000 | $ 243,846 | $ 0 |
| Utica-Rome, NY | 13 | $ 1,795,000 | $ 138,076 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 12 | $ 7,337,000 | $ 611,416 | $ 0 |
| Kingston, NY | 11 | $ 3,010,000 | $ 273,636 | $ 0 |
| Edison-New Brunswick, NJ | 10 | $ 4,555,000 | $ 455,500 | $ 9,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 1,827,000 | $ 203,000 | $ 78,000 |
| Philadelphia, PA | 9 | $ 4,253,000 | $ 472,555 | $ 0 |
| Columbus, OH | 8 | $ 3,102,000 | $ 387,750 | $ 0 |
| Williamsport, PA | 8 | $ 1,122,000 | $ 140,250 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 6 | $ 2,409,000 | $ 401,500 | $ 0 |
| Glens Falls, NY | 6 | $ 3,499,000 | $ 583,166 | $ 0 |
| Newark-Union, NJ-PA | 6 | $ 1,905,000 | $ 317,500 | $ 70,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 4,469,000 | $ 744,833 | $ 0 |
| Altoona, PA | 5 | $ 747,000 | $ 149,400 | $ 0 |
| Denver-Aurora, CO | 5 | $ 3,931,000 | $ 786,200 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 1,392,000 | $ 278,400 | $ 0 |
| Ithaca, NY | 4 | $ 1,009,000 | $ 252,250 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 2,398,000 | $ 799,333 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,138,000 | $ 379,333 | $ 17,000 |
| Ocean City, NJ | 3 | $ 1,734,000 | $ 578,000 | $ 0 |
| Pittsburgh, PA | 3 | $ 548,000 | $ 182,666 | $ 0 |
| Reading, PA | 3 | $ 444,000 | $ 148,000 | $ 0 |
| Salem, OR | 3 | $ 857,000 | $ 285,666 | $ 0 |
| State College, PA | 3 | $ 419,000 | $ 139,666 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 219,000 | $ 109,500 | $ 120,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 1,967,000 | $ 983,500 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 350,000 | $ 175,000 | $ 37,000 |
| Elmira, NY | 2 | $ 203,000 | $ 101,500 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 1,389,000 | $ 694,500 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,194,000 | $ 597,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 2,527,000 | $ 1,263,500 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 887,000 | $ 443,500 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 642,000 | $ 321,000 | $ 123,000 |
| Austin-Round Rock, TX | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 1,237,000 | $ 1,237,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Chicago-Naperville-Joliet, IL | 1 | $ 649,000 | $ 649,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Durham, NC | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Mansfield, OH | 1 | $ 518,000 | $ 518,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 712,000 | $ 712,000 | $ 0 |
| Palm Coast, FL | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Pittsfield, MA | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 442,000 | $ 442,000 | $ 0 |
| Salisbury, MD | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 744,000 | $ 744,000 | $ 0 |
| Springfield, MA | 1 | $ 582,000 | $ 582,000 | $ 0 |
| Tacoma, WA | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Wilmington, NC | 1 | $ 168,000 | $ 168,000 | $ 123,000 |
| Worcester, MA | 1 | $ 522,000 | $ 522,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank, NA in 2008
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 | 652 | $191,294,000 | $293,000 | $2,400,000 | $17,000 | $457,000 |
| Refinancing | 342 | $105,637,000 | $308,000 | $5,000,000 | $7,000 | $313,000 |
| Home Improvement | 19 | $7,709,000 | $405,000 | $1,200,000 | $10,000 | $202,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 869 | $270,967,000 | $311,000 | $5,000,000 | $0 | $0 |
| White | 65 | $15,748,000 | $242,000 | $642,000 | $101,000 | $457,000 |
| Asian | 32 | $8,536,000 | $266,000 | $812,000 | $117,000 | $247,000 |
| Black or African American | 26 | $5,271,000 | $202,000 | $570,000 | $88,000 | $303,000 |
| Hispanic | 13 | $2,917,000 | $224,000 | $650,000 | $83,000 | $216,000 |
| Not Provided | 8 | $1,201,000 | $150,000 | $344,000 | $69,000 | $123,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 913 | $286,467,000 | $313,000 | $5,000,000 | $11,000 | $457,000 |
| FHA-insured (Federal Housing Administration) | 99 | $18,001,000 | $181,000 | $812,000 | $35,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 1 | $172,000 | $172,000 | $172,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 Purchased By The Institution | 869 | $270,967,000 | $311,000 | $5,000,000 | $0 | $0 |
| Loan Originated | 76 | $17,356,000 | $228,000 | $642,000 | $87,000 | $376,000 |
| Application Denied By Financial Institution | 29 | $4,921,000 | $169,000 | $417,000 | $105,000 | $247,000 |
| Application Withdrawn By Applicant | 29 | $8,311,000 | $286,000 | $812,000 | $119,000 | $457,000 |
| Application Approved But Not Accepted | 10 | $3,085,000 | $308,000 | $471,000 | $115,000 | $220,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Other | 15 | $2,375,000 | $158,000 | $400,000 | $150,000 | $247,000 |
| Collateral | 6 | $900,000 | $150,000 | $247,000 | $59,000 | $102,000 |
| Debt-To-Income Ratio | 6 | $1,020,000 | $170,000 | $417,000 | $48,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $626,000 | $313,000 | $408,000 | $77,000 | $102,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M&T Bank, NA's 2008 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, NA'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.
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