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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 90 | $ 529,914,000 | $ 5,887,933 | $ 0 |
| Baltimore-Columbia-Towson, MD | 27 | $ 16,824,000 | $ 623,111 | $ 0 |
| Wilmington, DE-MD-NJ | 17 | $ 52,617,000 | $ 3,095,117 | $ 0 |
| Albany-Schenectady-Troy, NY | 15 | $ 91,500,000 | $ 6,100,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 15 | $ 16,891,000 | $ 1,126,066 | $ 0 |
| Dutchess County-Putnam County, NY | 10 | $ 43,574,000 | $ 4,357,400 | $ 0 |
| Philadelphia, PA | 10 | $ 106,755,000 | $ 10,675,500 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 76,585,000 | $ 7,658,500 | $ 0 |
| Rochester, NY | 10 | $ 33,387,000 | $ 3,338,700 | $ 0 |
| York-Hanover, PA | 10 | $ 4,222,000 | $ 422,200 | $ 0 |
| Binghamton, NY | 9 | $ 5,524,000 | $ 613,777 | $ 0 |
| Nassau County-Suffolk County, NY | 9 | $ 11,497,000 | $ 1,277,444 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 7 | $ 80,046,000 | $ 11,435,142 | $ 0 |
| Newark, NJ-PA | 6 | $ 22,263,000 | $ 3,710,500 | $ 0 |
| Salisbury, MD-DE | 6 | $ 8,118,000 | $ 1,353,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 5 | $ 60,935,000 | $ 12,187,000 | $ 0 |
| Syracuse, NY | 5 | $ 5,145,000 | $ 1,029,000 | $ 0 |
| Altoona, PA | 4 | $ 2,247,000 | $ 561,750 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 53,565,000 | $ 13,391,250 | $ 0 |
| Utica-Rome, NY | 4 | $ 557,000 | $ 139,250 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 155,583,000 | $ 38,895,750 | $ 0 |
| Harrisburg-Carlisle, PA | 3 | $ 12,720,000 | $ 4,240,000 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 3 | $ 709,000 | $ 236,333 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,000,000 | $ 500,000 | $ 0 |
| Bloomsburg-Berwick, PA | 2 | $ 289,000 | $ 144,500 | $ 0 |
| Boston, MA | 2 | $ 77,500,000 | $ 38,750,000 | $ 0 |
| California-Lexington Park, MD | 2 | $ 9,043,000 | $ 4,521,500 | $ 0 |
| Camden, NJ | 2 | $ 11,675,000 | $ 5,837,500 | $ 0 |
| Chambersburg-Waynesboro, PA | 2 | $ 1,319,000 | $ 659,500 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 8,425,000 | $ 4,212,500 | $ 0 |
| Lancaster, PA | 2 | $ 2,475,000 | $ 1,237,500 | $ 0 |
| Pittsburgh, PA | 2 | $ 73,370,000 | $ 36,685,000 | $ 0 |
| Savannah, GA | 2 | $ 3,800,000 | $ 1,900,000 | $ 0 |
| Williamsport, PA | 2 | $ 162,000 | $ 81,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 1,850,000 | $ 1,850,000 | $ 0 |
| Brunswick, GA | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 15,346,000 | $ 15,346,000 | $ 0 |
| Columbia, SC | 1 | $ 19,645,000 | $ 19,645,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Dover, DE | 1 | $ 7,120,000 | $ 7,120,000 | $ 0 |
| Gettysburg, PA | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Midland, TX | 1 | $ 73,000,000 | $ 73,000,000 | $ 0 |
| Morgantown, WV | 1 | $ 2,062,000 | $ 2,062,000 | $ 0 |
| Ocean City, NJ | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 31,350,000 | $ 31,350,000 | $ 0 |
| Reading, PA | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Richmond, VA | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Salem, OR | 1 | $ 9,000,000 | $ 9,000,000 | $ 0 |
| State College, PA | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Trenton, NJ | 1 | $ 806,000 | $ 806,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 21,710,000 | $ 21,710,000 | $ 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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