M&T Real Estate Trust Mortgage Lending & HMDA Data, 2012
In 2012, M&T Real Estate Trust of Buffalo, NY reported 213 mortgage applications totaling $1.2 billion, up 59% from 2011. The average application was for $5,493,483, and applicants reported an average income of $0. 3% of its applications resulted in an originated loan and 0% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (61), Baltimore-Towson, MD (16) and Buffalo-Niagara Falls, NY (11) (applications in parentheses).
| Mortgage Company & Address | M&T Real Estate Trust 701 Seneca Street-Suite 330n Buffalo, NY 14210 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 213 |
| Total Mortgage Loan Application Amount | $1,170,112,000 |
| Average Mortgage Loan Application Amount | $5,493,483 |
| Highest Mortgage Loan Application Amount | $59,000,000 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 41 | $ 319,270,000 | $ 7,787,073 | $ 0 |
| Erie, New York | 10 | $ 17,119,000 | $ 1,711,900 | $ 0 |
| Monroe, New York | 8 | $ 40,487,000 | $ 5,060,875 | $ 0 |
| York, Pennsylvania | 7 | $ 9,469,000 | $ 1,352,714 | $ 0 |
| Baltimore, Maryland | 6 | $ 63,730,000 | $ 10,621,666 | $ 0 |
| Westchester, New York | 6 | $ 20,975,000 | $ 3,495,833 | $ 0 |
| Blair, Pennsylvania | 6 | $ 1,706,000 | $ 284,333 | $ 0 |
| New Castle, Delaware | 5 | $ 3,598,000 | $ 719,600 | $ 0 |
| Bronx, New York | 5 | $ 16,200,000 | $ 3,240,000 | $ 0 |
| Onondaga, New York | 5 | $ 3,574,000 | $ 714,800 | $ 0 |
| Baltimore City, Maryland | 4 | $ 5,020,000 | $ 1,255,000 | $ 0 |
| Frederick, Maryland | 4 | $ 728,000 | $ 182,000 | $ 0 |
| Kings, New York | 4 | $ 13,525,000 | $ 3,381,250 | $ 0 |
| Saratoga, New York | 4 | $ 40,534,000 | $ 10,133,500 | $ 0 |
| Multnomah, Oregon | 4 | $ 12,591,000 | $ 3,147,750 | $ 0 |
| Chester, Pennsylvania | 4 | $ 36,164,000 | $ 9,041,000 | $ 0 |
| Dauphin, Pennsylvania | 4 | $ 17,531,000 | $ 4,382,750 | $ 0 |
| Oneida, New York | 3 | $ 2,356,000 | $ 785,333 | $ 0 |
| Franklin, Pennsylvania | 3 | $ 272,000 | $ 90,666 | $ 0 |
| King, Washington | 3 | $ 15,880,000 | $ 5,293,333 | $ 0 |
| Kent, Delaware | 2 | $ 142,000 | $ 71,000 | $ 0 |
| Anne Arundel, Maryland | 2 | $ 759,000 | $ 379,500 | $ 0 |
| Carroll, Maryland | 2 | $ 443,000 | $ 221,500 | $ 0 |
| Cecil, Maryland | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Harford, Maryland | 2 | $ 32,225,000 | $ 16,112,500 | $ 0 |
| Hudson, New Jersey | 2 | $ 1,716,000 | $ 858,000 | $ 0 |
| Broome, New York | 2 | $ 1,150,000 | $ 575,000 | $ 0 |
| Nassau, New York | 2 | $ 33,451,000 | $ 16,725,500 | $ 0 |
| Orange, New York | 2 | $ 1,331,000 | $ 665,500 | $ 0 |
| Queens, New York | 2 | $ 25,090,000 | $ 12,545,000 | $ 0 |
| Rensselaer, New York | 2 | $ 36,000,000 | $ 18,000,000 | $ 0 |
| Tompkins, New York | 2 | $ 1,528,000 | $ 764,000 | $ 0 |
| Centre, Pennsylvania | 2 | $ 15,425,000 | $ 7,712,500 | $ 0 |
| Delaware, Pennsylvania | 2 | $ 6,010,000 | $ 3,005,000 | $ 0 |
| Monroe, Pennsylvania | 2 | $ 9,757,000 | $ 4,878,500 | $ 0 |
| Philadelphia, Pennsylvania | 2 | $ 26,015,000 | $ 13,007,500 | $ 0 |
| Clark, Washington | 2 | $ 10,450,000 | $ 5,225,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 1,850,000 | $ 1,850,000 | $ 0 |
| San Diego, California | 1 | $ 870,000 | $ 870,000 | $ 0 |
| Hartford, Connecticut | 1 | $ 12,500,000 | $ 12,500,000 | $ 0 |
| Sussex, Delaware | 1 | $ 300,000 | $ 300,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 28,300,000 | $ 28,300,000 | $ 0 |
| Collier, Florida | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Escambia, Florida | 1 | $ 3,300,000 | $ 3,300,000 | $ 0 |
| Calvert, Maryland | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Montgomery, Maryland | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Prince George's, Maryland | 1 | $ 47,000,000 | $ 47,000,000 | $ 0 |
| Washington, Maryland | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Plymouth, Massachusetts | 1 | $ 13,700,000 | $ 13,700,000 | $ 0 |
| Worcester, Massachusetts | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Harrison, Mississippi | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Somerset, New Jersey | 1 | $ 7,265,000 | $ 7,265,000 | $ 0 |
| Union, New Jersey | 1 | $ 4,305,000 | $ 4,305,000 | $ 0 |
| Albany, New York | 1 | $ 16,000,000 | $ 16,000,000 | $ 0 |
| Cattaraugus, New York | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Delaware, New York | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Dutchess, New York | 1 | $ 8,800,000 | $ 8,800,000 | $ 0 |
| Jefferson, New York | 1 | $ 28,145,000 | $ 28,145,000 | $ 0 |
| Niagara, New York | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Richmond, New York | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Schuyler, New York | 1 | $ 1,715,000 | $ 1,715,000 | $ 0 |
| Warren, New York | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Dare, North Carolina | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Adams, Pennsylvania | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Berks, Pennsylvania | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Clinton, Pennsylvania | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Columbia, Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Cumberland, Pennsylvania | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Lancaster, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Luzerne, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Montour, Pennsylvania | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Northumberland, Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Susquehanna, Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Tioga, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Washington, Pennsylvania | 1 | $ 35,258,000 | $ 35,258,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 59,000,000 | $ 59,000,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 30,000,000 | $ 30,000,000 | $ 0 |
| Henrico, Virginia | 1 | $ 12,100,000 | $ 12,100,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 8,350,000 | $ 8,350,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2012
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 | 151 | $825,193,000 | $5,464,000 | $47,000,000 | $0 | $0 |
| Refinancing | 35 | $136,172,000 | $3,890,000 | $21,000,000 | $0 | $0 |
| Home Improvement | 27 | $208,747,000 | $7,731,000 | $59,000,000 | $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 | 213 | $1,170,112,000 | $5,493,000 | $59,000,000 | $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) | 213 | $1,170,112,000 | $5,493,000 | $59,000,000 | $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 | 207 | $1,147,071,000 | $5,541,000 | $59,000,000 | $0 | $0 |
| Loan Originated | 6 | $23,041,000 | $3,840,000 | $6,300,000 | $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 2012 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.
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