M&T Real Estate Trust Mortgage Lending & HMDA Data, 2007
In 2007, M&T Real Estate Trust of Buffalo, NY reported 109 mortgage applications totaling $278.0 million, down 17% from 2006. The average application was for $2,550,091, and applicants reported an average income of $0. 4% of its applications resulted in an originated loan and 0% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (25), Rochester, NY (13) and York-Hanover, PA (8) (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 | 109 |
| Total Mortgage Loan Application Amount | $277,960,000 |
| Average Mortgage Loan Application Amount | $2,550,091 |
| Highest Mortgage Loan Application Amount | $89,850,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Monroe, New York | 11 | $ 37,823,000 | $ 3,438,454 | $ 0 |
| New York, New York | 11 | $ 53,159,000 | $ 4,832,636 | $ 0 |
| York, Pennsylvania | 8 | $ 1,481,000 | $ 185,125 | $ 0 |
| Erie, New York | 5 | $ 10,756,000 | $ 2,151,200 | $ 0 |
| Kings, New York | 5 | $ 5,990,000 | $ 1,198,000 | $ 0 |
| Blair, Pennsylvania | 5 | $ 14,928,000 | $ 2,985,600 | $ 0 |
| Franklin, Pennsylvania | 5 | $ 1,317,000 | $ 263,400 | $ 0 |
| Queens, New York | 4 | $ 128,470,000 | $ 32,117,500 | $ 0 |
| Luzerne, Pennsylvania | 4 | $ 506,000 | $ 126,500 | $ 0 |
| Baltimore, Maryland | 3 | $ 682,000 | $ 227,333 | $ 0 |
| Bronx, New York | 3 | $ 1,584,000 | $ 528,000 | $ 0 |
| Ulster, New York | 3 | $ 1,253,000 | $ 417,666 | $ 0 |
| Delaware, Pennsylvania | 3 | $ 1,006,000 | $ 335,333 | $ 0 |
| Broome, New York | 2 | $ 2,521,000 | $ 1,260,500 | $ 0 |
| Livingston, New York | 2 | $ 123,000 | $ 61,500 | $ 0 |
| Niagara, New York | 2 | $ 672,000 | $ 336,000 | $ 0 |
| Rockland, New York | 2 | $ 1,485,000 | $ 742,500 | $ 0 |
| Columbia, Pennsylvania | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Lancaster, Pennsylvania | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Fairfield, Connecticut | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Allegany, Maryland | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Carroll, Maryland | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Frederick, Maryland | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Worcester, Maryland | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Atlantic, New Jersey | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Cortland, New York | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Dutchess, New York | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Madison, New York | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Nassau, New York | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Onondaga, New York | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Schenectady, New York | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Steuben, New York | 1 | $ 1,575,000 | $ 1,575,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Berks, Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Centre, Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Clinton, Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Cumberland, Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Schuylkill, Pennsylvania | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Snyder, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Union, Pennsylvania | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Mineral, West Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2007
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 | 80 | $199,988,000 | $2,499,000 | $89,850,000 | $0 | $0 |
| Home Improvement | 22 | $68,114,000 | $3,096,000 | $34,520,000 | $0 | $0 |
| Refinancing | 7 | $9,858,000 | $1,408,000 | $9,000,000 | $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 | 109 | $277,960,000 | $2,550,000 | $89,850,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $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 |
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) | 109 | $277,960,000 | $2,550,000 | $89,850,000 | $0 | $0 |
| 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 Purchased By The Institution | 104 | $266,011,000 | $2,557,000 | $89,850,000 | $0 | $0 |
| Loan Originated | 4 | $2,949,000 | $737,000 | $1,200,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $9,000,000 | $9,000,000 | $9,000,000 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 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 2007 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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