M&T Real Estate Trust Mortgage Lending & HMDA Data, 2004
In 2004, M&T Real Estate Trust of Buffalo, NY reported 244 mortgage applications totaling $662.9 million, down 11% from 2003. The average application was for $2,716,885, and applicants reported an average income of $520,983. 92% of its applications resulted in an originated loan and 1% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (106), Buffalo-Niagara Falls, NY (19) and Rochester, NY (19) (applications in parentheses).
| Mortgage Company & Address | M&T Real Estate Trust One M&T Plaza - 15th Floor Buffalo, NY 14203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 244 |
| Total Mortgage Loan Application Amount | $662,920,000 |
| Average Mortgage Loan Application Amount | $2,716,885 |
| Highest Mortgage Loan Application Amount | $90,000,000 |
| Average Applicant Income | $520,983 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York, New York | 71 | $ 426,449,000 | $ 6,006,323 | $ 630,000 |
| Monroe, New York | 19 | $ 40,913,000 | $ 2,153,315 | $ 283,000 |
| Erie, New York | 18 | $ 8,815,000 | $ 489,722 | $ 294,000 |
| Broome, New York | 16 | $ 3,665,000 | $ 229,062 | $ 201,000 |
| Westchester, New York | 10 | $ 15,768,000 | $ 1,576,800 | $ 75,000 |
| Onondaga, New York | 9 | $ 3,425,000 | $ 380,555 | $ 3,000 |
| Kings, New York | 8 | $ 7,705,000 | $ 963,125 | $ 0 |
| Queens, New York | 7 | $ 4,297,000 | $ 613,857 | $ 115,000 |
| York, Pennsylvania | 6 | $ 5,524,000 | $ 920,666 | $ 29,000 |
| Bronx, New York | 4 | $ 16,700,000 | $ 4,175,000 | $ 1,666,000 |
| Suffolk, New York | 4 | $ 11,457,000 | $ 2,864,250 | $ 3,333,000 |
| Multnomah, Oregon | 4 | $ 18,303,000 | $ 4,575,750 | $ 0 |
| Blair, Pennsylvania | 4 | $ 8,665,000 | $ 2,166,250 | $ 0 |
| Philadelphia, Pennsylvania | 4 | $ 4,447,000 | $ 1,111,750 | $ 0 |
| Albany, New York | 3 | $ 750,000 | $ 250,000 | $ 3,733,000 |
| Rockland, New York | 3 | $ 925,000 | $ 308,333 | $ 6,666,000 |
| Ulster, New York | 3 | $ 1,500,000 | $ 500,000 | $ 1,048,000 |
| Lancaster, Pennsylvania | 3 | $ 448,000 | $ 149,333 | $ 96,000 |
| Schuylkill, Pennsylvania | 3 | $ 485,000 | $ 161,666 | $ 112,000 |
| New Haven, Connecticut | 2 | $ 11,500,000 | $ 5,750,000 | $ 0 |
| Baltimore City, Maryland | 2 | $ 6,470,000 | $ 3,235,000 | $ 550,000 |
| Calvert, Maryland | 2 | $ 400,000 | $ 200,000 | $ 905,000 |
| Worcester, Maryland | 2 | $ 633,000 | $ 316,500 | $ 758,000 |
| Chautauqua, New York | 2 | $ 2,624,000 | $ 1,312,000 | $ 25,000 |
| Dutchess, New York | 2 | $ 2,400,000 | $ 1,200,000 | $ 0 |
| Rensselaer, New York | 2 | $ 1,030,000 | $ 515,000 | $ 37,000 |
| Richmond, New York | 2 | $ 2,000,000 | $ 1,000,000 | $ 0 |
| Tompkins, New York | 2 | $ 649,000 | $ 324,500 | $ 24,000 |
| Bucks, Pennsylvania | 2 | $ 960,000 | $ 480,000 | $ 518,000 |
| Franklin, Pennsylvania | 2 | $ 1,280,000 | $ 640,000 | $ 100,000 |
| Fairfield, Connecticut | 1 | $ 1,975,000 | $ 1,975,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 6,000,000 | $ 6,000,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 168,000 | $ 168,000 | $ 235,000 |
| Howard, Maryland | 1 | $ 296,000 | $ 296,000 | $ 38,000 |
| Jefferson, New York | 1 | $ 113,000 | $ 113,000 | $ 187,000 |
| Nassau, New York | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Niagara, New York | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Oneida, New York | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Putnam, New York | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Sullivan, New York | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Tioga, New York | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 1,600,000 | $ 1,600,000 | $ 0 |
| Bradford, Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 2,000,000 |
| Centre, Pennsylvania | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 455,000 |
| Lackawanna, Pennsylvania | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Lycoming, Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 1,075,000 |
| Northumberland, Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 99,000 |
| Tioga, Pennsylvania | 1 | $ 380,000 | $ 380,000 | $ 733,000 |
| Wyoming, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Providence, Rhode Island | 1 | $ 24,500,000 | $ 24,500,000 | $ 0 |
| Clark, Washington | 1 | $ 7,800,000 | $ 7,800,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2004
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 | 218 | $651,395,000 | $6,648,250 | $90,000,000 | $132,625 | $9,999,000 |
| Refinancing | 26 | $11,525,000 | $346,000 | $3,100,000 | $572,666 | $4,000,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 196 | $621,207,000 | $6,375,571 | $90,000,000 | $201,571 | $9,999,000 |
| White | 47 | $41,659,000 | $3,113,333 | $7,800,000 | $209,333 | $4,000,000 |
| Asian | 1 | $54,000 | $54,000 | $54,000 | $186,000 | $186,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 244 | $662,920,000 | $6,506,125 | $90,000,000 | $170,750 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 Originated | 224 | $380,097,000 | $3,415,000 | $21,600,000 | $214,714 | $9,999,000 |
| Application Withdrawn By Applicant | 12 | $135,452,000 | $11,287,000 | $70,000,000 | $0 | $0 |
| Loan Purchased By The Institution | 6 | $112,371,000 | $15,483,500 | $90,000,000 | $0 | $0 |
| Application Denied By Financial Institution | 2 | $35,000,000 | $17,500,000 | $24,500,000 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Real Estate Trust's 2004 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 Real Estate Trust'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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