M&T Real Estate Trust Mortgage Lending & HMDA Data, 2017
In 2017, M&T Real Estate Trust of Buffalo, NY reported 206 mortgage applications totaling $615.0 million, down 35% from 2016. The average application was for $2,985,660, 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 (37), Buffalo-Cheektowaga-Niagara Falls, NY (26) and Baltimore-Columbia-Towson, MD (18) (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 | 206 |
| Total Mortgage Loan Application Amount | $615,046,000 |
| Average Mortgage Loan Application Amount | $2,985,660 |
| Highest Mortgage Loan Application Amount | $57,810,000 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 37 | $ 184,497,000 | $ 4,986,405 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 26 | $ 18,806,000 | $ 723,307 | $ 0 |
| Baltimore-Columbia-Towson, MD | 18 | $ 10,961,000 | $ 608,944 | $ 0 |
| Albany-Schenectady-Troy, NY | 11 | $ 66,148,000 | $ 6,013,454 | $ 0 |
| Salisbury, MD-DE | 9 | $ 2,441,000 | $ 271,222 | $ 0 |
| Binghamton, NY | 6 | $ 1,448,000 | $ 241,333 | $ 0 |
| Rochester, NY | 5 | $ 32,146,000 | $ 6,429,200 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 5 | $ 2,698,000 | $ 539,600 | $ 0 |
| Wilmington, DE-MD-NJ | 5 | $ 10,912,000 | $ 2,182,400 | $ 0 |
| York-Hanover, PA | 5 | $ 1,005,000 | $ 201,000 | $ 0 |
| Altoona, PA | 4 | $ 364,000 | $ 91,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 4 | $ 4,574,000 | $ 1,143,500 | $ 0 |
| Dutchess County-Putnam County, NY | 4 | $ 9,416,000 | $ 2,354,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 21,972,000 | $ 7,324,000 | $ 0 |
| Gettysburg, PA | 3 | $ 695,000 | $ 231,666 | $ 0 |
| Harrisburg-Carlisle, PA | 3 | $ 2,000,000 | $ 666,666 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 1,369,000 | $ 456,333 | $ 0 |
| Nassau County-Suffolk County, NY | 3 | $ 20,800,000 | $ 6,933,333 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 4,969,000 | $ 1,656,333 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 212,000 | $ 106,000 | $ 0 |
| Dover, DE | 2 | $ 765,000 | $ 382,500 | $ 0 |
| East Stroudsburg, PA | 2 | $ 12,440,000 | $ 6,220,000 | $ 0 |
| Philadelphia, PA | 2 | $ 15,350,000 | $ 7,675,000 | $ 0 |
| Reading, PA | 2 | $ 201,000 | $ 100,500 | $ 0 |
| Seattle-Bellevue-Everett, WA | 2 | $ 9,310,000 | $ 4,655,000 | $ 0 |
| Syracuse, NY | 2 | $ 473,000 | $ 236,500 | $ 0 |
| Tacoma-Lakewood, WA | 2 | $ 12,600,000 | $ 6,300,000 | $ 0 |
| Boston, MA | 1 | $ 57,810,000 | $ 57,810,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 39,450,000 | $ 39,450,000 | $ 0 |
| Glens Falls, NY | 1 | $ 1,630,000 | $ 1,630,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 16,125,000 | $ 16,125,000 | $ 0 |
| Kingston, NY | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lancaster, PA | 1 | $ 10,000,000 | $ 10,000,000 | $ 0 |
| Morgantown, WV | 1 | $ 98,000 | $ 98,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 3,885,000 | $ 3,885,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Raleigh, NC | 1 | $ 20,000,000 | $ 20,000,000 | $ 0 |
| Salem, OR | 1 | $ 1,610,000 | $ 1,610,000 | $ 0 |
| State College, PA | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 1,674,000 | $ 1,674,000 | $ 0 |
| Watertown-Fort Drum, NY | 1 | $ 650,000 | $ 650,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2017
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 | 134 | $379,455,000 | $2,831,000 | $39,450,000 | $0 | $0 |
| Refinancing | 50 | $213,579,000 | $4,271,000 | $57,810,000 | $0 | $0 |
| Home Improvement | 22 | $22,012,000 | $1,000,000 | $6,500,000 | $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 | 206 | $615,046,000 | $2,985,000 | $57,810,000 | $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) | 206 | $615,046,000 | $2,985,000 | $57,810,000 | $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 | 204 | $611,636,000 | $2,998,000 | $57,810,000 | $0 | $0 |
| Loan Originated | 2 | $3,410,000 | $1,705,000 | $1,800,000 | $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 2017 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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