M&T Real Estate Trust Mortgage Lending & HMDA Data, 2009
In 2009, M&T Real Estate Trust of Buffalo, NY reported 121 mortgage applications totaling $96.0 million, down 6% from 2008. The average application was for $793,429, and applicants reported an average income of $0. 2% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Wilmington, DE-MD-NJ (9), Altoona, PA (8) and Binghamton, NY (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 | 121 |
| Total Mortgage Loan Application Amount | $96,005,000 |
| Average Mortgage Loan Application Amount | $793,429 |
| Highest Mortgage Loan Application Amount | $32,500,000 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wilmington, DE-MD-NJ | 9 | $ 6,825,000 | $ 758,333 | $ 0 |
| Altoona, PA | 8 | $ 1,452,000 | $ 181,500 | $ 0 |
| Binghamton, NY | 8 | $ 3,362,000 | $ 420,250 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 8 | $ 9,793,000 | $ 1,224,125 | $ 0 |
| Baltimore-Towson, MD | 7 | $ 1,201,000 | $ 171,571 | $ 0 |
| Harrisburg-Carlisle, PA | 7 | $ 2,973,000 | $ 424,714 | $ 0 |
| York-Hanover, PA | 7 | $ 942,000 | $ 134,571 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 835,000 | $ 139,166 | $ 0 |
| Buffalo-Niagara Falls, NY | 4 | $ 3,490,000 | $ 872,500 | $ 0 |
| Cumberland, MD-WV | 4 | $ 542,000 | $ 135,500 | $ 0 |
| Philadelphia, PA | 4 | $ 3,329,000 | $ 832,250 | $ 0 |
| Syracuse, NY | 4 | $ 1,640,000 | $ 410,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 840,000 | $ 210,000 | $ 0 |
| Bethesda-Frederick-Rockville, MD | 3 | $ 1,991,000 | $ 663,666 | $ 0 |
| Lancaster, PA | 3 | $ 1,090,000 | $ 363,333 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 34,950,000 | $ 11,650,000 | $ 0 |
| Reading, PA | 2 | $ 301,000 | $ 150,500 | $ 0 |
| Rochester, NY | 2 | $ 671,000 | $ 335,500 | $ 0 |
| State College, PA | 2 | $ 619,000 | $ 309,500 | $ 0 |
| Utica-Rome, NY | 2 | $ 375,000 | $ 187,500 | $ 0 |
| Williamsport, PA | 2 | $ 2,425,000 | $ 1,212,500 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 713,000 | $ 713,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Kingston, NY | 1 | $ 1,280,000 | $ 1,280,000 | $ 0 |
| Lebanon, PA | 1 | $ 1,360,000 | $ 1,360,000 | $ 0 |
| Ocean City, NJ | 1 | $ 4,870,000 | $ 4,870,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 1,900,000 | $ 1,900,000 | $ 0 |
| Salisbury, MD | 1 | $ 850,000 | $ 850,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 800,000 | $ 800,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2009
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 | 67 | $68,015,000 | $1,015,000 | $32,500,000 | $0 | $0 |
| Refinancing | 39 | $23,826,000 | $610,000 | $3,000,000 | $0 | $0 |
| Home Improvement | 15 | $4,164,000 | $277,000 | $1,340,000 | $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 | 120 | $93,705,000 | $780,000 | $32,500,000 | $0 | $0 |
| White | 1 | $2,300,000 | $2,300,000 | $2,300,000 | $0 | $0 |
| Not Provided | 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) | 121 | $96,005,000 | $793,000 | $32,500,000 | $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 | 118 | $61,055,000 | $517,000 | $4,870,000 | $0 | $0 |
| Loan Originated | 3 | $34,950,000 | $11,650,000 | $32,500,000 | $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 2009 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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