M&T Real Estate Trust Mortgage Lending & HMDA Data, 2016
In 2016, M&T Real Estate Trust of Buffalo, NY reported 315 mortgage applications totaling $1.3 billion, up 1% from 2015. The average application was for $4,277,736, and applicants reported an average income of $0. 1% of its applications resulted in an originated loan and 0% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (62), Baltimore-Columbia-Towson, MD (28) and Buffalo-Cheektowaga-Niagara Falls, NY (21) (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 | 315 |
| Total Mortgage Loan Application Amount | $1,347,487,000 |
| Average Mortgage Loan Application Amount | $4,277,736 |
| Highest Mortgage Loan Application Amount | $95,000,000 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 25 | $ 258,389,000 | $ 10,335,560 | $ 0 |
| Baltimore City, Maryland | 20 | $ 6,133,000 | $ 306,650 | $ 0 |
| Erie, New York | 20 | $ 6,424,000 | $ 321,200 | $ 0 |
| Onondaga, New York | 13 | $ 38,727,000 | $ 2,979,000 | $ 0 |
| Monroe, New York | 11 | $ 24,355,000 | $ 2,214,090 | $ 0 |
| Washington, Maryland | 9 | $ 1,620,000 | $ 180,000 | $ 0 |
| Broome, New York | 7 | $ 1,704,000 | $ 243,428 | $ 0 |
| Queens, New York | 7 | $ 89,500,000 | $ 12,785,714 | $ 0 |
| Blair, Pennsylvania | 7 | $ 15,935,000 | $ 2,276,428 | $ 0 |
| Cumberland, Pennsylvania | 7 | $ 2,207,000 | $ 315,285 | $ 0 |
| Sussex, Delaware | 6 | $ 9,609,000 | $ 1,601,500 | $ 0 |
| Bronx, New York | 6 | $ 32,257,000 | $ 5,376,166 | $ 0 |
| Dauphin, Pennsylvania | 6 | $ 1,671,000 | $ 278,500 | $ 0 |
| Kings, New York | 5 | $ 37,200,000 | $ 7,440,000 | $ 0 |
| Oneida, New York | 5 | $ 1,278,000 | $ 255,600 | $ 0 |
| Rensselaer, New York | 5 | $ 35,073,000 | $ 7,014,600 | $ 0 |
| Suffolk, New York | 5 | $ 19,211,000 | $ 3,842,200 | $ 0 |
| Franklin, Pennsylvania | 5 | $ 722,000 | $ 144,400 | $ 0 |
| York, Pennsylvania | 5 | $ 839,000 | $ 167,800 | $ 0 |
| Hudson, New Jersey | 4 | $ 55,151,000 | $ 13,787,750 | $ 0 |
| Albany, New York | 4 | $ 31,575,000 | $ 7,893,750 | $ 0 |
| Nassau, New York | 4 | $ 20,237,000 | $ 5,059,250 | $ 0 |
| Rockland, New York | 4 | $ 1,630,000 | $ 407,500 | $ 0 |
| Multnomah, Oregon | 4 | $ 25,455,000 | $ 6,363,750 | $ 0 |
| Lancaster, Pennsylvania | 4 | $ 8,273,000 | $ 2,068,250 | $ 0 |
| Montgomery, Pennsylvania | 4 | $ 29,565,000 | $ 7,391,250 | $ 0 |
| Philadelphia, Pennsylvania | 4 | $ 3,417,000 | $ 854,250 | $ 0 |
| New Castle, Delaware | 3 | $ 928,000 | $ 309,333 | $ 0 |
| Baltimore, Maryland | 3 | $ 741,000 | $ 247,000 | $ 0 |
| Carroll, Maryland | 3 | $ 574,000 | $ 191,333 | $ 0 |
| Bergen, New Jersey | 3 | $ 26,402,000 | $ 8,800,666 | $ 0 |
| Burlington, New Jersey | 3 | $ 12,900,000 | $ 4,300,000 | $ 0 |
| Chautauqua, New York | 3 | $ 461,000 | $ 153,666 | $ 0 |
| Jefferson, New York | 3 | $ 2,281,000 | $ 760,333 | $ 0 |
| Tompkins, New York | 3 | $ 4,976,000 | $ 1,658,666 | $ 0 |
| Centre, Pennsylvania | 3 | $ 267,000 | $ 89,000 | $ 0 |
| Schuylkill, Pennsylvania | 3 | $ 2,115,000 | $ 705,000 | $ 0 |
| King, Washington | 3 | $ 39,260,000 | $ 13,086,666 | $ 0 |
| Snohomish, Washington | 3 | $ 48,900,000 | $ 16,300,000 | $ 0 |
| Alachua, Florida | 2 | $ 10,322,000 | $ 5,161,000 | $ 0 |
| Leon, Florida | 2 | $ 26,319,000 | $ 13,159,500 | $ 0 |
| Allegany, Maryland | 2 | $ 137,000 | $ 68,500 | $ 0 |
| Anne Arundel, Maryland | 2 | $ 49,224,000 | $ 24,612,000 | $ 0 |
| Montgomery, Maryland | 2 | $ 2,327,000 | $ 1,163,500 | $ 0 |
| Prince George's, Maryland | 2 | $ 701,000 | $ 350,500 | $ 0 |
| Atlantic, New Jersey | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Mercer, New Jersey | 2 | $ 372,000 | $ 186,000 | $ 0 |
| Monmouth, New Jersey | 2 | $ 23,300,000 | $ 11,650,000 | $ 0 |
| Madison, New York | 2 | $ 762,000 | $ 381,000 | $ 0 |
| Orange, New York | 2 | $ 711,000 | $ 355,500 | $ 0 |
| Saratoga, New York | 2 | $ 25,700,000 | $ 12,850,000 | $ 0 |
| Steuben, New York | 2 | $ 701,000 | $ 350,500 | $ 0 |
| Westchester, New York | 2 | $ 1,471,000 | $ 735,500 | $ 0 |
| Berks, Pennsylvania | 2 | $ 327,000 | $ 163,500 | $ 0 |
| Lackawanna, Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Lycoming, Pennsylvania | 2 | $ 1,950,000 | $ 975,000 | $ 0 |
| Broomfield, Colorado | 1 | $ 30,500,000 | $ 30,500,000 | $ 0 |
| El Paso, Colorado | 1 | $ 35,000,000 | $ 35,000,000 | $ 0 |
| Kent, Delaware | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Osceola, Florida | 1 | $ 39,806,000 | $ 39,806,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 3,200,000 | $ 3,200,000 | $ 0 |
| Chatham, Georgia | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Cecil, Maryland | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Dorchester, Maryland | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Frederick, Maryland | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Wicomico, Maryland | 1 | $ 18,980,000 | $ 18,980,000 | $ 0 |
| Worcester, Maryland | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 32,175,000 | $ 32,175,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 1,375,000 | $ 1,375,000 | $ 0 |
| Cumberland, New Jersey | 1 | $ 3,450,000 | $ 3,450,000 | $ 0 |
| Essex, New Jersey | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Morris, New Jersey | 1 | $ 42,000,000 | $ 42,000,000 | $ 0 |
| Ocean, New Jersey | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Passaic, New Jersey | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Somerset, New Jersey | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| Union, New Jersey | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Warren, New Jersey | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Cayuga, New York | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Columbia, New York | 1 | $ 940,000 | $ 940,000 | $ 0 |
| Herkimer, New York | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Niagara, New York | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Schenectady, New York | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Ulster, New York | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Warren, New York | 1 | $ 10,000,000 | $ 10,000,000 | $ 0 |
| Washington, New York | 1 | $ 2,033,000 | $ 2,033,000 | $ 0 |
| Currituck, North Carolina | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Clearfield, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Columbia, Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Luzerne, Pennsylvania | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 38,114,000 | $ 38,114,000 | $ 0 |
| Salt Lake, Utah | 1 | $ 18,635,000 | $ 18,635,000 | $ 0 |
| Chittenden, Vermont | 1 | $ 8,673,000 | $ 8,673,000 | $ 0 |
| Windsor, Vermont | 1 | $ 9,345,000 | $ 9,345,000 | $ 0 |
| Hampshire, West Virginia | 1 | $ 150,000 | $ 150,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2016
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 | 213 | $1,089,952,000 | $5,117,000 | $95,000,000 | $0 | $0 |
| Refinancing | 74 | $171,112,000 | $2,312,000 | $38,500,000 | $0 | $0 |
| Home Improvement | 28 | $86,423,000 | $3,086,000 | $50,000,000 | $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 | 315 | $1,347,487,000 | $4,277,000 | $95,000,000 | $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 Hawaiin 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) | 315 | $1,347,487,000 | $4,277,000 | $95,000,000 | $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 | $1,322,032,000 | $4,250,000 | $95,000,000 | $0 | $0 |
| Loan Originated | 4 | $25,455,000 | $6,363,000 | $11,250,000 | $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 2016 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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