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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 65 | $ 383,158,000 | $ 5,894,738 | $ 0 |
| Baltimore-Towson, MD | 22 | $ 31,857,000 | $ 1,448,045 | $ 0 |
| Wilmington, DE-MD-NJ | 22 | $ 71,843,000 | $ 3,265,590 | $ 0 |
| Rochester, NY | 17 | $ 49,049,000 | $ 2,885,235 | $ 0 |
| Albany-Schenectady-Troy, NY | 15 | $ 45,360,000 | $ 3,024,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 12 | $ 14,789,000 | $ 1,232,416 | $ 0 |
| Syracuse, NY | 10 | $ 24,823,000 | $ 2,482,300 | $ 0 |
| Harrisburg-Carlisle, PA | 8 | $ 3,826,000 | $ 478,250 | $ 0 |
| Philadelphia, PA | 8 | $ 105,648,000 | $ 13,206,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 102,460,000 | $ 12,807,500 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 24,350,000 | $ 3,478,571 | $ 0 |
| Altoona, PA | 6 | $ 1,163,000 | $ 193,833 | $ 0 |
| Bethesda-Rockville-Frederick, MD | 5 | $ 1,685,000 | $ 337,000 | $ 0 |
| Lancaster, PA | 5 | $ 3,550,000 | $ 710,000 | $ 0 |
| State College, PA | 5 | $ 1,632,000 | $ 326,400 | $ 0 |
| Binghamton, NY | 4 | $ 1,014,000 | $ 253,500 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 1,510,000 | $ 377,500 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 10,180,000 | $ 2,545,000 | $ 0 |
| Richmond, VA | 4 | $ 34,542,000 | $ 8,635,500 | $ 0 |
| Seattle-Bellevue-Everett, WA | 4 | $ 80,950,000 | $ 20,237,500 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 31,962,000 | $ 10,654,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 34,822,000 | $ 11,607,333 | $ 0 |
| Ithaca, NY | 3 | $ 1,310,000 | $ 436,666 | $ 0 |
| Reading, PA | 3 | $ 733,000 | $ 244,333 | $ 0 |
| York-Hanover, PA | 3 | $ 660,000 | $ 220,000 | $ 0 |
| Morgantown, WV | 2 | $ 2,318,000 | $ 1,159,000 | $ 0 |
| Newark-Union, NJ-PA | 2 | $ 3,630,000 | $ 1,815,000 | $ 0 |
| Salisbury, MD | 2 | $ 3,325,000 | $ 1,662,500 | $ 0 |
| Utica-Rome, NY | 2 | $ 6,200,000 | $ 3,100,000 | $ 0 |
| Williamsport, PA | 2 | $ 1,250,000 | $ 625,000 | $ 0 |
| Boston-Quincy, MA | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,163,000 | $ 1,163,000 | $ 0 |
| Camden, NJ | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Edison-New Brunswick, NJ | 1 | $ 26,076,000 | $ 26,076,000 | $ 0 |
| Florence, SC | 1 | $ 3,600,000 | $ 3,600,000 | $ 0 |
| Glens Falls, NY | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Nassau-Suffolk, NY | 1 | $ 300,000 | $ 300,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 38,600,000 | $ 38,600,000 | $ 0 |
| Ocean City, NJ | 1 | $ 2,600,000 | $ 2,600,000 | $ 0 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 803,000 | $ 803,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 37,400,000 | $ 37,400,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 12,120,000 | $ 12,120,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 12,000,000 | $ 12,000,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 1 | $ 9,000,000 | $ 9,000,000 | $ 0 |
| Tacoma, WA | 1 | $ 18,750,000 | $ 18,750,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 26,000,000 | $ 26,000,000 | $ 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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