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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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-White Plains-Wayne, NY-NJ | 61 | $ 397,376,000 | $ 6,514,360 | $ 0 |
| Baltimore-Towson, MD | 16 | $ 102,177,000 | $ 6,386,062 | $ 0 |
| Buffalo-Niagara Falls, NY | 11 | $ 17,289,000 | $ 1,571,727 | $ 0 |
| Philadelphia, PA | 9 | $ 68,664,000 | $ 7,629,333 | $ 0 |
| Rochester, NY | 8 | $ 40,487,000 | $ 5,060,875 | $ 0 |
| Albany-Schenectady-Troy, NY | 7 | $ 92,534,000 | $ 13,219,142 | $ 0 |
| Wilmington, DE-MD-NJ | 7 | $ 3,914,000 | $ 559,142 | $ 0 |
| York-Hanover, PA | 7 | $ 9,469,000 | $ 1,352,714 | $ 0 |
| Altoona, PA | 6 | $ 1,706,000 | $ 284,333 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 23,041,000 | $ 3,840,166 | $ 0 |
| Bethesda-Rockville-Frederick, MD | 5 | $ 918,000 | $ 183,600 | $ 0 |
| Harrisburg-Carlisle, PA | 5 | $ 17,801,000 | $ 3,560,200 | $ 0 |
| Syracuse, NY | 5 | $ 3,574,000 | $ 714,800 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 164,390,000 | $ 32,878,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 10,131,000 | $ 3,377,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 3 | $ 15,880,000 | $ 5,293,333 | $ 0 |
| Utica-Rome, NY | 3 | $ 2,356,000 | $ 785,333 | $ 0 |
| Binghamton, NY | 2 | $ 1,150,000 | $ 575,000 | $ 0 |
| Dover, DE | 2 | $ 142,000 | $ 71,000 | $ 0 |
| Ithaca, NY | 2 | $ 1,528,000 | $ 764,000 | $ 0 |
| Nassau-Suffolk, NY | 2 | $ 33,451,000 | $ 16,725,500 | $ 0 |
| Richmond, VA | 2 | $ 20,450,000 | $ 10,225,000 | $ 0 |
| State College, PA | 2 | $ 15,425,000 | $ 7,712,500 | $ 0 |
| Boston-Quincy, MA | 1 | $ 13,700,000 | $ 13,700,000 | $ 0 |
| Edison-New Brunswick, NJ | 1 | $ 7,265,000 | $ 7,265,000 | $ 0 |
| Glens Falls, NY | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 12,500,000 | $ 12,500,000 | $ 0 |
| Lancaster, PA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Newark-Union, NJ-PA | 1 | $ 4,305,000 | $ 4,305,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 3,300,000 | $ 3,300,000 | $ 0 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 1,850,000 | $ 1,850,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 35,258,000 | $ 35,258,000 | $ 0 |
| Reading, PA | 1 | $ 268,000 | $ 268,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 870,000 | $ 870,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Worcester, MA | 1 | $ 263,000 | $ 263,000 | $ 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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