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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 25 | $ 190,688,000 | $ 7,627,520 | $ 0 |
| Rochester, NY | 13 | $ 37,946,000 | $ 2,918,923 | $ 0 |
| York-Hanover, PA | 8 | $ 1,481,000 | $ 185,125 | $ 0 |
| Buffalo-Niagara Falls, NY | 7 | $ 11,428,000 | $ 1,632,571 | $ 0 |
| Baltimore-Towson, MD | 6 | $ 1,130,000 | $ 188,333 | $ 0 |
| Altoona, PA | 5 | $ 14,928,000 | $ 2,985,600 | $ 0 |
| Scranton--Wilkes-Barre, PA | 4 | $ 506,000 | $ 126,500 | $ 0 |
| Kingston, NY | 3 | $ 1,253,000 | $ 417,666 | $ 0 |
| Philadelphia, PA | 3 | $ 1,006,000 | $ 335,333 | $ 0 |
| Binghamton, NY | 2 | $ 2,521,000 | $ 1,260,500 | $ 0 |
| Cumberland, MD-WV | 2 | $ 225,000 | $ 112,500 | $ 0 |
| Harrisburg-Carlisle, PA | 2 | $ 366,000 | $ 183,000 | $ 0 |
| Lancaster, PA | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Syracuse, NY | 2 | $ 193,000 | $ 96,500 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Atlantic City, NJ | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Nassau-Suffolk, NY | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Reading, PA | 1 | $ 140,000 | $ 140,000 | $ 0 |
| State College, PA | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 238,000 | $ 238,000 | $ 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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