M&T Real Estate Trust Mortgage Lending & HMDA Data, 2013
In 2013, M&T Real Estate Trust of Buffalo, NY reported 319 mortgage applications totaling $1.3 billion, up 50% from 2012. The average application was for $4,055,153, 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 (65), Baltimore-Towson, MD (22) and Wilmington, DE-MD-NJ (22) (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 | 319 |
| Total Mortgage Loan Application Amount | $1,293,594,000 |
| Average Mortgage Loan Application Amount | $4,055,153 |
| Highest Mortgage Loan Application Amount | $66,000,000 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 30 | $ 266,831,000 | $ 8,894,366 | $ 0 |
| New Castle, Delaware | 19 | $ 66,633,000 | $ 3,507,000 | $ 0 |
| Westchester, New York | 15 | $ 54,441,000 | $ 3,629,400 | $ 0 |
| Monroe, New York | 14 | $ 23,824,000 | $ 1,701,714 | $ 0 |
| Sussex, Delaware | 11 | $ 6,387,000 | $ 580,636 | $ 0 |
| Baltimore City, Maryland | 10 | $ 3,266,000 | $ 326,600 | $ 0 |
| Onondaga, New York | 10 | $ 24,823,000 | $ 2,482,300 | $ 0 |
| Franklin, Pennsylvania | 9 | $ 2,306,000 | $ 256,222 | $ 0 |
| Erie, New York | 8 | $ 13,310,000 | $ 1,663,750 | $ 0 |
| Multnomah, Oregon | 7 | $ 24,350,000 | $ 3,478,571 | $ 0 |
| Kings, New York | 6 | $ 4,255,000 | $ 709,166 | $ 0 |
| Blair, Pennsylvania | 6 | $ 1,163,000 | $ 193,833 | $ 0 |
| Dauphin, Pennsylvania | 6 | $ 3,494,000 | $ 582,333 | $ 0 |
| Bronx, New York | 5 | $ 28,285,000 | $ 5,657,000 | $ 0 |
| Saratoga, New York | 5 | $ 31,325,000 | $ 6,265,000 | $ 0 |
| Centre, Pennsylvania | 5 | $ 1,632,000 | $ 326,400 | $ 0 |
| Lancaster, Pennsylvania | 5 | $ 3,550,000 | $ 710,000 | $ 0 |
| Baltimore, Maryland | 4 | $ 1,487,000 | $ 371,750 | $ 0 |
| Albany, New York | 4 | $ 6,733,000 | $ 1,683,250 | $ 0 |
| Broome, New York | 4 | $ 1,014,000 | $ 253,500 | $ 0 |
| Niagara, New York | 4 | $ 1,479,000 | $ 369,750 | $ 0 |
| Orange, New York | 4 | $ 10,180,000 | $ 2,545,000 | $ 0 |
| Rensselaer, New York | 4 | $ 6,080,000 | $ 1,520,000 | $ 0 |
| King, Washington | 4 | $ 80,950,000 | $ 20,237,500 | $ 0 |
| Hartford, Connecticut | 3 | $ 34,822,000 | $ 11,607,333 | $ 0 |
| District of Columbia, District Of Columbia | 3 | $ 6,107,000 | $ 2,035,666 | $ 0 |
| Anne Arundel, Maryland | 3 | $ 1,089,000 | $ 363,000 | $ 0 |
| Cecil, Maryland | 3 | $ 5,210,000 | $ 1,736,666 | $ 0 |
| Harford, Maryland | 3 | $ 855,000 | $ 285,000 | $ 0 |
| Montgomery, Maryland | 3 | $ 1,295,000 | $ 431,666 | $ 0 |
| Hudson, New Jersey | 3 | $ 13,513,000 | $ 4,504,333 | $ 0 |
| Ontario, New York | 3 | $ 25,225,000 | $ 8,408,333 | $ 0 |
| Tompkins, New York | 3 | $ 1,310,000 | $ 436,666 | $ 0 |
| Berks, Pennsylvania | 3 | $ 733,000 | $ 244,333 | $ 0 |
| Philadelphia, Pennsylvania | 3 | $ 66,714,000 | $ 22,238,000 | $ 0 |
| York, Pennsylvania | 3 | $ 660,000 | $ 220,000 | $ 0 |
| Richmond City, Virginia | 3 | $ 15,240,000 | $ 5,080,000 | $ 0 |
| Calvert, Maryland | 2 | $ 1,903,000 | $ 951,500 | $ 0 |
| Frederick, Maryland | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Washington, Maryland | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Wicomico, Maryland | 2 | $ 3,325,000 | $ 1,662,500 | $ 0 |
| Bergen, New Jersey | 2 | $ 10,600,000 | $ 5,300,000 | $ 0 |
| Queens, New York | 2 | $ 985,000 | $ 492,500 | $ 0 |
| Schenectady, New York | 2 | $ 1,222,000 | $ 611,000 | $ 0 |
| Adams, Pennsylvania | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Cumberland, Pennsylvania | 2 | $ 332,000 | $ 166,000 | $ 0 |
| Delaware, Pennsylvania | 2 | $ 38,330,000 | $ 19,165,000 | $ 0 |
| Lehigh, Pennsylvania | 2 | $ 16,162,000 | $ 8,081,000 | $ 0 |
| Lycoming, Pennsylvania | 2 | $ 1,250,000 | $ 625,000 | $ 0 |
| Fairfax, Virginia | 2 | $ 94,000,000 | $ 47,000,000 | $ 0 |
| Monongalia, West Virginia | 2 | $ 2,318,000 | $ 1,159,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 803,000 | $ 803,000 | $ 0 |
| Fairfield, Connecticut | 1 | $ 1,163,000 | $ 1,163,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 38,600,000 | $ 38,600,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 26,000,000 | $ 26,000,000 | $ 0 |
| Cumberland, Maine | 1 | $ 12,120,000 | $ 12,120,000 | $ 0 |
| Allegany, Maryland | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Carroll, Maryland | 1 | $ 6,760,000 | $ 6,760,000 | $ 0 |
| Garrett, Maryland | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Howard, Maryland | 1 | $ 18,400,000 | $ 18,400,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Worcester, Maryland | 1 | $ 733,000 | $ 733,000 | $ 0 |
| Plymouth, Massachusetts | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 2,600,000 | $ 2,600,000 | $ 0 |
| Essex, New Jersey | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 26,076,000 | $ 26,076,000 | $ 0 |
| Morris, New Jersey | 1 | $ 3,500,000 | $ 3,500,000 | $ 0 |
| Passaic, New Jersey | 1 | $ 3,800,000 | $ 3,800,000 | $ 0 |
| Chenango, New York | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Delaware, New York | 1 | $ 1,170,000 | $ 1,170,000 | $ 0 |
| Genesee, New York | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Herkimer, New York | 1 | $ 4,500,000 | $ 4,500,000 | $ 0 |
| Oneida, New York | 1 | $ 1,700,000 | $ 1,700,000 | $ 0 |
| Otsego, New York | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Rockland, New York | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Suffolk, New York | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Washington, New York | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Dare, North Carolina | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Linn, Oregon | 1 | $ 1,720,000 | $ 1,720,000 | $ 0 |
| Bedford, Pennsylvania | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Bradford, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Butler, Pennsylvania | 1 | $ 37,400,000 | $ 37,400,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Clinton, Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Columbia, Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Indiana, Pennsylvania | 1 | $ 1,740,000 | $ 1,740,000 | $ 0 |
| Lackawanna, Pennsylvania | 1 | $ 9,000,000 | $ 9,000,000 | $ 0 |
| Monroe, Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Montgomery, Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Montour, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Northampton, Pennsylvania | 1 | $ 15,800,000 | $ 15,800,000 | $ 0 |
| Northumberland, Pennsylvania | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Schuylkill, Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Tioga, Pennsylvania | 1 | $ 3,100,000 | $ 3,100,000 | $ 0 |
| Providence, Rhode Island | 1 | $ 12,000,000 | $ 12,000,000 | $ 0 |
| Florence, South Carolina | 1 | $ 3,600,000 | $ 3,600,000 | $ 0 |
| Henrico, Virginia | 1 | $ 19,302,000 | $ 19,302,000 | $ 0 |
| Orange, Virginia | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Prince William, Virginia | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Pierce, Washington | 1 | $ 18,750,000 | $ 18,750,000 | $ 0 |
| Berkeley, West Virginia | 1 | $ 1,054,000 | $ 1,054,000 | $ 0 |
| Morgan, West Virginia | 1 | $ 300,000 | $ 300,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2013
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 | 214 | $1,069,687,000 | $4,998,000 | $66,000,000 | $0 | $0 |
| Refinancing | 68 | $74,860,000 | $1,100,000 | $14,260,000 | $0 | $0 |
| Home Improvement | 37 | $149,047,000 | $4,028,000 | $57,000,000 | $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 | 319 | $1,293,594,000 | $4,055,000 | $66,000,000 | $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) | 319 | $1,293,594,000 | $4,055,000 | $66,000,000 | $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 | 311 | $1,267,524,000 | $4,075,000 | $66,000,000 | $0 | $0 |
| Loan Originated | 8 | $26,070,000 | $3,258,000 | $4,750,000 | $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 2013 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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