M&T Real Estate Trust Mortgage Lending & HMDA Data, 2010
In 2010, M&T Real Estate Trust of Buffalo, NY reported 112 mortgage applications totaling $247.4 million, down 7% from 2009. The average application was for $2,209,116, and applicants reported an average income of $0. 5% of its applications resulted in an originated loan and 0% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (19), Baltimore-Towson, MD (7) and Syracuse, NY (6) (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 | 112 |
| Total Mortgage Loan Application Amount | $247,421,000 |
| Average Mortgage Loan Application Amount | $2,209,116 |
| Highest Mortgage Loan Application Amount | $20,000,000 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 19 | $ 152,925,000 | $ 8,048,684 | $ 0 |
| Baltimore-Towson, MD | 7 | $ 1,191,000 | $ 170,142 | $ 0 |
| Syracuse, NY | 6 | $ 1,728,000 | $ 288,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 11,567,000 | $ 1,927,833 | $ 0 |
| York-Hanover, PA | 6 | $ 2,609,000 | $ 434,833 | $ 0 |
| Rochester, NY | 5 | $ 19,130,000 | $ 3,826,000 | $ 0 |
| State College, PA | 5 | $ 1,443,000 | $ 288,600 | $ 0 |
| Altoona, PA | 4 | $ 520,000 | $ 130,000 | $ 0 |
| Binghamton, NY | 4 | $ 10,099,000 | $ 2,524,750 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 2,930,000 | $ 732,500 | $ 0 |
| Williamsport, PA | 4 | $ 2,709,000 | $ 677,250 | $ 0 |
| Buffalo-Niagara Falls, NY | 3 | $ 937,000 | $ 312,333 | $ 0 |
| Reading, PA | 3 | $ 1,116,000 | $ 372,000 | $ 0 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 385,000 | $ 192,500 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 184,000 | $ 92,000 | $ 0 |
| Nassau-Suffolk, NY | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Philadelphia, PA | 2 | $ 1,000,000 | $ 500,000 | $ 0 |
| Richmond, VA | 2 | $ 665,000 | $ 332,500 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,900,000 | $ 1,900,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Lancaster, PA | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Ocean City, NJ | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 6,500,000 | $ 6,500,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Spokane, WA | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 200,000 | $ 200,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2010
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 | 73 | $132,549,000 | $1,815,000 | $18,850,000 | $0 | $0 |
| Refinancing | 27 | $111,095,000 | $4,114,000 | $20,000,000 | $0 | $0 |
| Home Improvement | 12 | $3,777,000 | $314,000 | $1,000,000 | $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 | 112 | $247,421,000 | $2,209,000 | $20,000,000 | $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) | 112 | $247,421,000 | $2,209,000 | $20,000,000 | $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 | 106 | $240,241,000 | $2,266,000 | $20,000,000 | $0 | $0 |
| Loan Originated | 6 | $7,180,000 | $1,196,000 | $3,000,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $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 |
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 2010 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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