M&T Real Estate Trust Mortgage Lending & HMDA Data, 2015
In 2015, M&T Real Estate Trust of Buffalo, NY reported 313 mortgage applications totaling $1.3 billion, down 7% from 2014. The average application was for $4,185,159, and applicants reported an average income of $0. 2% of its applications resulted in an originated loan and 0% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (64), Baltimore-Columbia-Towson, MD (28) and Buffalo-Cheektowaga-Niagara Falls, NY (26) (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 | 313 |
| Total Mortgage Loan Application Amount | $1,309,955,000 |
| Average Mortgage Loan Application Amount | $4,185,159 |
| Highest Mortgage Loan Application Amount | $60,000,000 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 64 | $ 363,586,000 | $ 5,681,031 | $ 0 |
| Baltimore-Columbia-Towson, MD | 28 | $ 78,058,000 | $ 2,787,785 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 26 | $ 36,521,000 | $ 1,404,653 | $ 0 |
| Albany-Schenectady-Troy, NY | 12 | $ 101,989,000 | $ 8,499,083 | $ 0 |
| Rochester, NY | 12 | $ 49,822,000 | $ 4,151,833 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 10 | $ 5,873,000 | $ 587,300 | $ 0 |
| Harrisburg-Carlisle, PA | 9 | $ 10,066,000 | $ 1,118,444 | $ 0 |
| Seattle-Bellevue-Everett, WA | 8 | $ 92,305,000 | $ 11,538,125 | $ 0 |
| Binghamton, NY | 7 | $ 1,897,000 | $ 271,000 | $ 0 |
| Philadelphia, PA | 7 | $ 63,075,000 | $ 9,010,714 | $ 0 |
| Syracuse, NY | 7 | $ 26,853,000 | $ 3,836,142 | $ 0 |
| Chambersburg-Waynesboro, PA | 6 | $ 538,000 | $ 89,666 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 43,168,000 | $ 7,194,666 | $ 0 |
| Wilmington, DE-MD-NJ | 6 | $ 16,955,000 | $ 2,825,833 | $ 0 |
| Newark, NJ-PA | 5 | $ 8,486,000 | $ 1,697,200 | $ 0 |
| Salisbury, MD-DE | 5 | $ 1,002,000 | $ 200,400 | $ 0 |
| State College, PA | 5 | $ 958,000 | $ 191,600 | $ 0 |
| Utica-Rome, NY | 5 | $ 1,990,000 | $ 398,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 11,235,000 | $ 2,808,750 | $ 0 |
| Altoona, PA | 4 | $ 524,000 | $ 131,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 33,896,000 | $ 8,474,000 | $ 0 |
| Nassau County-Suffolk County, NY | 4 | $ 1,968,000 | $ 492,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 26,600,000 | $ 6,650,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 14,074,000 | $ 4,691,333 | $ 0 |
| Kingston, NY | 3 | $ 754,000 | $ 251,333 | $ 0 |
| Lancaster, PA | 3 | $ 2,192,000 | $ 730,666 | $ 0 |
| Cambridge-Newton-Framingham, MA | 2 | $ 37,980,000 | $ 18,990,000 | $ 0 |
| Camden, NJ | 2 | $ 14,077,000 | $ 7,038,500 | $ 0 |
| Dover, DE | 2 | $ 515,000 | $ 257,500 | $ 0 |
| Dutchess County-Putnam County, NY | 2 | $ 670,000 | $ 335,000 | $ 0 |
| Glens Falls, NY | 2 | $ 23,357,000 | $ 11,678,500 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 315,000 | $ 157,500 | $ 0 |
| Ithaca, NY | 2 | $ 2,038,000 | $ 1,019,000 | $ 0 |
| Pittsburgh, PA | 2 | $ 1,385,000 | $ 692,500 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 204,000 | $ 102,000 | $ 0 |
| York-Hanover, PA | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Albany, OR | 1 | $ 9,600,000 | $ 9,600,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 12,000,000 | $ 12,000,000 | $ 0 |
| Bloomsburg-Berwick, PA | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Boston, MA | 1 | $ 33,500,000 | $ 33,500,000 | $ 0 |
| Boulder, CO | 1 | $ 20,200,000 | $ 20,200,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Gettysburg, PA | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 8,500,000 | $ 8,500,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 28,500,000 | $ 28,500,000 | $ 0 |
| Huntsville, AL | 1 | $ 8,120,000 | $ 8,120,000 | $ 0 |
| Jacksonville, FL | 1 | $ 4,050,000 | $ 4,050,000 | $ 0 |
| Lebanon, PA | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 2,800,000 | $ 2,800,000 | $ 0 |
| Morgantown, WV | 1 | $ 100,000 | $ 100,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Ocean City, NJ | 1 | $ 1,540,000 | $ 1,540,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 32,700,000 | $ 32,700,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 16,210,000 | $ 16,210,000 | $ 0 |
| Reading, PA | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Spokane-Spokane Valley, WA | 1 | $ 4,500,000 | $ 4,500,000 | $ 0 |
| Springfield, MA | 1 | $ 21,000,000 | $ 21,000,000 | $ 0 |
| Williamsport, PA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 11,500,000 | $ 11,500,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2015
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 | 201 | $1,076,740,000 | $5,356,000 | $60,000,000 | $0 | $0 |
| Refinancing | 62 | $90,159,000 | $1,454,000 | $24,700,000 | $0 | $0 |
| Home Improvement | 50 | $143,056,000 | $2,861,000 | $29,096,000 | $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 | 313 | $1,309,955,000 | $4,185,000 | $60,000,000 | $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) | 313 | $1,309,955,000 | $4,185,000 | $60,000,000 | $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 | 307 | $1,269,255,000 | $4,134,000 | $60,000,000 | $0 | $0 |
| Loan Originated | 6 | $40,700,000 | $6,783,000 | $9,600,000 | $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 2015 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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