M&T Real Estate Trust Mortgage Lending & HMDA Data, 2005
In 2005, M&T Real Estate Trust of Buffalo, NY reported 168 mortgage applications totaling $421.2 million, down 31% from 2004. The average application was for $2,507,065, and applicants reported an average income of $434,386. 94% of its applications resulted in an originated loan and 3% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (75), Rochester, NY (17) and Nassau-Suffolk, NY (12) (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 | 168 |
| Total Mortgage Loan Application Amount | $421,187,000 |
| Average Mortgage Loan Application Amount | $2,507,065 |
| Highest Mortgage Loan Application Amount | $38,335,000 |
| Average Applicant Income | $434,386 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 45 | $ 172,818,000 | $ 3,840,400 | $ 67,000 |
| Monroe, New York | 14 | $ 17,606,000 | $ 1,257,571 | $ 249,000 |
| Westchester, New York | 10 | $ 27,458,000 | $ 2,745,800 | $ 833,000 |
| Bronx, New York | 7 | $ 10,550,000 | $ 1,507,142 | $ 0 |
| Dutchess, New York | 7 | $ 9,364,000 | $ 1,337,714 | $ 84,000 |
| Kings, New York | 7 | $ 17,180,000 | $ 2,454,285 | $ 22,000 |
| Nassau, New York | 7 | $ 27,625,000 | $ 3,946,428 | $ 681,000 |
| Erie, New York | 6 | $ 3,135,000 | $ 522,500 | $ 725,000 |
| Suffolk, New York | 5 | $ 25,800,000 | $ 5,160,000 | $ 0 |
| Queens, New York | 4 | $ 17,628,000 | $ 4,407,000 | $ 0 |
| Ulster, New York | 4 | $ 1,230,000 | $ 307,500 | $ 2,115,000 |
| Litchfield, Connecticut | 3 | $ 3,275,000 | $ 1,091,666 | $ 675,000 |
| Hudson, New Jersey | 3 | $ 2,625,000 | $ 875,000 | $ 0 |
| Cortland, New York | 3 | $ 1,227,000 | $ 409,000 | $ 74,000 |
| Bergen, New Jersey | 2 | $ 10,440,000 | $ 5,220,000 | $ 4,999,000 |
| Essex, New Jersey | 2 | $ 5,300,000 | $ 2,650,000 | $ 0 |
| Broome, New York | 2 | $ 195,000 | $ 97,500 | $ 0 |
| Chautauqua, New York | 2 | $ 1,170,000 | $ 585,000 | $ 0 |
| Niagara, New York | 2 | $ 675,000 | $ 337,500 | $ 0 |
| Orange, New York | 2 | $ 700,000 | $ 350,000 | $ 7,418,000 |
| Rensselaer, New York | 2 | $ 1,951,000 | $ 975,500 | $ 400,000 |
| Steuben, New York | 2 | $ 3,600,000 | $ 1,800,000 | $ 0 |
| Tompkins, New York | 2 | $ 359,000 | $ 179,500 | $ 51,000 |
| Delaware, Pennsylvania | 2 | $ 1,313,000 | $ 656,500 | $ 0 |
| Collier, Florida | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Frederick, Maryland | 1 | $ 26,200,000 | $ 26,200,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Chemung, New York | 1 | $ 2,750,000 | $ 2,750,000 | $ 0 |
| Livingston, New York | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Oneida, New York | 1 | $ 2,900,000 | $ 2,900,000 | $ 0 |
| Onondaga, New York | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Ontario, New York | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Putnam, New York | 1 | $ 400,000 | $ 400,000 | $ 67,000 |
| Richmond, New York | 1 | $ 8,113,000 | $ 8,113,000 | $ 0 |
| Schenectady, New York | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| Wayne, New York | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Marion, Oregon | 1 | $ 2,750,000 | $ 2,750,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Berks, Pennsylvania | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Blair, Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Cambria, Pennsylvania | 1 | $ 2,300,000 | $ 2,300,000 | $ 0 |
| Clearfield, Pennsylvania | 1 | $ 2,150,000 | $ 2,150,000 | $ 0 |
| Cumberland, Pennsylvania | 1 | $ 1,303,000 | $ 1,303,000 | $ 0 |
| Lancaster, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 210,000 |
| Northampton, Pennsylvania | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 749,000 | $ 749,000 | $ 0 |
| Snyder, Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2005
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 | 100 | $330,465,000 | $6,739,800 | $38,335,000 | $60,000 | $9,999,000 |
| Home Purchase | 51 | $73,180,000 | $1,717,750 | $13,000,000 | $1,028,250 | $9,999,000 |
| Home Improvement | 17 | $17,542,000 | $899,750 | $2,900,000 | $295,000 | $9,614,000 |
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 | 147 | $405,779,000 | $5,772,666 | $38,335,000 | $472,333 | $9,999,000 |
| White | 20 | $14,105,000 | $661,666 | $2,300,000 | $98,333 | $1,000,000 |
| Asian | 1 | $1,303,000 | $1,303,000 | $1,303,000 | $0 | $0 |
| 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) | 168 | $421,187,000 | $4,994,285 | $38,335,000 | $400,285 | $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 | 158 | $395,799,000 | $4,989,285 | $38,335,000 | $454,000 | $9,999,000 |
| Application Denied By Financial Institution | 5 | $17,138,000 | $3,298,000 | $8,113,000 | $0 | $0 |
| Application Withdrawn By Applicant | 4 | $6,050,000 | $1,512,000 | $1,800,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $2,200,000 | $2,200,000 | $2,200,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 2005 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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