M&T Real Estate Trust Mortgage Lending & HMDA Data, 2014
In 2014, M&T Real Estate Trust of Buffalo, NY reported 336 mortgage applications totaling $1.8 billion, up 5% from 2013. The average application was for $5,364,312, 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-Jersey City-White Plains, NY-NJ (90), Baltimore-Columbia-Towson, MD (27) and Wilmington, DE-MD-NJ (17) (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 | 336 |
| Total Mortgage Loan Application Amount | $1,802,409,000 |
| Average Mortgage Loan Application Amount | $5,364,312 |
| Highest Mortgage Loan Application Amount | $73,000,000 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 43 | $ 241,365,000 | $ 5,613,139 | $ 0 |
| New Castle, Delaware | 13 | $ 51,858,000 | $ 3,989,076 | $ 0 |
| Kings, New York | 13 | $ 171,962,000 | $ 13,227,846 | $ 0 |
| Baltimore City, Maryland | 11 | $ 4,663,000 | $ 423,909 | $ 0 |
| Erie, New York | 10 | $ 13,636,000 | $ 1,363,600 | $ 0 |
| Multnomah, Oregon | 10 | $ 76,585,000 | $ 7,658,500 | $ 0 |
| York, Pennsylvania | 10 | $ 4,222,000 | $ 422,200 | $ 0 |
| Monroe, New York | 9 | $ 32,237,000 | $ 3,581,888 | $ 0 |
| Dutchess, New York | 8 | $ 43,029,000 | $ 5,378,625 | $ 0 |
| Philadelphia, Pennsylvania | 8 | $ 106,280,000 | $ 13,285,000 | $ 0 |
| Broome, New York | 7 | $ 5,193,000 | $ 741,857 | $ 0 |
| Queens, New York | 7 | $ 19,493,000 | $ 2,784,714 | $ 0 |
| Westchester, New York | 7 | $ 20,187,000 | $ 2,883,857 | $ 0 |
| Baltimore, Maryland | 5 | $ 1,025,000 | $ 205,000 | $ 0 |
| Harford, Maryland | 5 | $ 1,248,000 | $ 249,600 | $ 0 |
| Nassau, New York | 5 | $ 4,025,000 | $ 805,000 | $ 0 |
| Niagara, New York | 5 | $ 3,255,000 | $ 651,000 | $ 0 |
| Onondaga, New York | 5 | $ 5,145,000 | $ 1,029,000 | $ 0 |
| King, Washington | 5 | $ 60,935,000 | $ 12,187,000 | $ 0 |
| Fairfield, Connecticut | 4 | $ 53,565,000 | $ 13,391,250 | $ 0 |
| Cecil, Maryland | 4 | $ 759,000 | $ 189,750 | $ 0 |
| Bergen, New Jersey | 4 | $ 48,420,000 | $ 12,105,000 | $ 0 |
| Albany, New York | 4 | $ 27,510,000 | $ 6,877,500 | $ 0 |
| Oneida, New York | 4 | $ 557,000 | $ 139,250 | $ 0 |
| Rensselaer, New York | 4 | $ 847,000 | $ 211,750 | $ 0 |
| Saratoga, New York | 4 | $ 58,220,000 | $ 14,555,000 | $ 0 |
| Suffolk, New York | 4 | $ 7,472,000 | $ 1,868,000 | $ 0 |
| Blair, Pennsylvania | 4 | $ 2,247,000 | $ 561,750 | $ 0 |
| Montgomery, Pennsylvania | 4 | $ 42,671,000 | $ 10,667,750 | $ 0 |
| Sussex, Delaware | 3 | $ 3,545,000 | $ 1,181,666 | $ 0 |
| Hudson, New Jersey | 3 | $ 3,279,000 | $ 1,093,000 | $ 0 |
| Middlesex, New Jersey | 3 | $ 18,545,000 | $ 6,181,666 | $ 0 |
| Morris, New Jersey | 3 | $ 19,420,000 | $ 6,473,333 | $ 0 |
| Passaic, New Jersey | 3 | $ 1,953,000 | $ 651,000 | $ 0 |
| Schenectady, New York | 3 | $ 4,923,000 | $ 1,641,000 | $ 0 |
| Chester, Pennsylvania | 3 | $ 37,375,000 | $ 12,458,333 | $ 0 |
| Cumberland, Pennsylvania | 3 | $ 12,720,000 | $ 4,240,000 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 33,974,000 | $ 16,987,000 | $ 0 |
| Broward, Florida | 2 | $ 8,425,000 | $ 4,212,500 | $ 0 |
| Chatham, Georgia | 2 | $ 3,800,000 | $ 1,900,000 | $ 0 |
| Carroll, Maryland | 2 | $ 1,000,000 | $ 500,000 | $ 0 |
| Frederick, Maryland | 2 | $ 501,000 | $ 250,500 | $ 0 |
| Howard, Maryland | 2 | $ 7,230,000 | $ 3,615,000 | $ 0 |
| St. Mary's, Maryland | 2 | $ 9,043,000 | $ 4,521,500 | $ 0 |
| Worcester, Maryland | 2 | $ 4,498,000 | $ 2,249,000 | $ 0 |
| Essex, New Jersey | 2 | $ 2,599,000 | $ 1,299,500 | $ 0 |
| Orange, New York | 2 | $ 1,750,000 | $ 875,000 | $ 0 |
| Putnam, New York | 2 | $ 545,000 | $ 272,500 | $ 0 |
| Rockland, New York | 2 | $ 1,005,000 | $ 502,500 | $ 0 |
| Tioga, New York | 2 | $ 331,000 | $ 165,500 | $ 0 |
| Delaware, Pennsylvania | 2 | $ 475,000 | $ 237,500 | $ 0 |
| Franklin, Pennsylvania | 2 | $ 1,319,000 | $ 659,500 | $ 0 |
| Lancaster, Pennsylvania | 2 | $ 2,475,000 | $ 1,237,500 | $ 0 |
| Lycoming, Pennsylvania | 2 | $ 162,000 | $ 81,000 | $ 0 |
| Kent, Delaware | 1 | $ 7,120,000 | $ 7,120,000 | $ 0 |
| Orange, Florida | 1 | $ 31,350,000 | $ 31,350,000 | $ 0 |
| Glynn, Georgia | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Allegany, Maryland | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Garrett, Maryland | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Montgomery, Maryland | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Prince George's, Maryland | 1 | $ 69,580,000 | $ 69,580,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 1,183,000 | $ 1,183,000 | $ 0 |
| Washington, Maryland | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Wicomico, Maryland | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Dukes, Massachusetts | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Middlesex, Massachusetts | 1 | $ 15,346,000 | $ 15,346,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 15,500,000 | $ 15,500,000 | $ 0 |
| Suffolk, Massachusetts | 1 | $ 62,000,000 | $ 62,000,000 | $ 0 |
| Atlantic, New Jersey | 1 | $ 1,850,000 | $ 1,850,000 | $ 0 |
| Camden, New Jersey | 1 | $ 11,275,000 | $ 11,275,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Gloucester, New Jersey | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 806,000 | $ 806,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Ocean, New Jersey | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Union, New Jersey | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Bronx, New York | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Cattaraugus, New York | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Cayuga, New York | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Cortland, New York | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Genesee, New York | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Otsego, New York | 1 | $ 645,000 | $ 645,000 | $ 0 |
| St. Lawrence, New York | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Wayne, New York | 1 | $ 1,150,000 | $ 1,150,000 | $ 0 |
| McKenzie, North Dakota | 1 | $ 9,880,000 | $ 9,880,000 | $ 0 |
| Marion, Oregon | 1 | $ 9,000,000 | $ 9,000,000 | $ 0 |
| Adams, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 52,000,000 | $ 52,000,000 | $ 0 |
| Berks, Pennsylvania | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Carbon, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Centre, Pennsylvania | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Clearfield, Pennsylvania | 1 | $ 10,650,000 | $ 10,650,000 | $ 0 |
| Columbia, Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Montour, Pennsylvania | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Northampton, Pennsylvania | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Northumberland, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Washington, Pennsylvania | 1 | $ 21,370,000 | $ 21,370,000 | $ 0 |
| Richland, South Carolina | 1 | $ 19,645,000 | $ 19,645,000 | $ 0 |
| Midland, Texas | 1 | $ 73,000,000 | $ 73,000,000 | $ 0 |
| Loudoun, Virginia | 1 | $ 52,029,000 | $ 52,029,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 21,710,000 | $ 21,710,000 | $ 0 |
| Grant, Washington | 1 | $ 13,100,000 | $ 13,100,000 | $ 0 |
| Monongalia, West Virginia | 1 | $ 2,062,000 | $ 2,062,000 | $ 0 |
| Morgan, West Virginia | 1 | $ 92,000 | $ 92,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2014
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 | 235 | $1,592,915,000 | $6,778,000 | $73,000,000 | $0 | $0 |
| Refinancing | 63 | $103,089,000 | $1,636,000 | $15,500,000 | $0 | $0 |
| Home Improvement | 38 | $106,405,000 | $2,800,000 | $19,300,000 | $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 | 336 | $1,802,409,000 | $5,364,000 | $73,000,000 | $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) | 336 | $1,802,409,000 | $5,364,000 | $73,000,000 | $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 | 325 | $1,716,824,000 | $5,282,000 | $73,000,000 | $0 | $0 |
| Loan Originated | 11 | $85,585,000 | $7,780,000 | $14,100,000 | $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 2014 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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