M&T Real Estate Trust Mortgage Lending & HMDA Data, 2016
In 2016, M&T Real Estate Trust of Buffalo, NY reported 315 mortgage applications totaling $1.3 billion, up 1% from 2015. The average application was for $4,277,736, 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 (62), Baltimore-Columbia-Towson, MD (28) and Buffalo-Cheektowaga-Niagara Falls, NY (21) (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 | 315 |
| Total Mortgage Loan Application Amount | $1,347,487,000 |
| Average Mortgage Loan Application Amount | $4,277,736 |
| Highest Mortgage Loan Application Amount | $95,000,000 |
| 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(HMDA) records M&T Real Estate Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 62 | $ 526,428,000 | $ 8,490,774 | $ 0 |
| Baltimore-Columbia-Towson, MD | 28 | $ 56,672,000 | $ 2,024,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 21 | $ 6,495,000 | $ 309,285 | $ 0 |
| Syracuse, NY | 15 | $ 39,489,000 | $ 2,632,600 | $ 0 |
| Harrisburg-Carlisle, PA | 13 | $ 3,878,000 | $ 298,307 | $ 0 |
| Albany-Schenectady-Troy, NY | 12 | $ 92,596,000 | $ 7,716,333 | $ 0 |
| Rochester, NY | 11 | $ 24,355,000 | $ 2,214,090 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 9 | $ 1,620,000 | $ 180,000 | $ 0 |
| Nassau County-Suffolk County, NY | 9 | $ 39,448,000 | $ 4,383,111 | $ 0 |
| Salisbury, MD-DE | 8 | $ 28,739,000 | $ 3,592,375 | $ 0 |
| Altoona, PA | 7 | $ 15,935,000 | $ 2,276,428 | $ 0 |
| Binghamton, NY | 7 | $ 1,704,000 | $ 243,428 | $ 0 |
| Seattle-Bellevue-Everett, WA | 6 | $ 88,160,000 | $ 14,693,333 | $ 0 |
| Utica-Rome, NY | 6 | $ 1,328,000 | $ 221,333 | $ 0 |
| Chambersburg-Waynesboro, PA | 5 | $ 722,000 | $ 144,400 | $ 0 |
| Philadelphia, PA | 5 | $ 3,617,000 | $ 723,400 | $ 0 |
| York-Hanover, PA | 5 | $ 839,000 | $ 167,800 | $ 0 |
| Lancaster, PA | 4 | $ 8,273,000 | $ 2,068,250 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 29,565,000 | $ 7,391,250 | $ 0 |
| Newark, NJ-PA | 4 | $ 45,085,000 | $ 11,271,250 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 25,455,000 | $ 6,363,750 | $ 0 |
| Wilmington, DE-MD-NJ | 4 | $ 1,203,000 | $ 300,750 | $ 0 |
| Camden, NJ | 3 | $ 12,900,000 | $ 4,300,000 | $ 0 |
| Ithaca, NY | 3 | $ 4,976,000 | $ 1,658,666 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 447,000 | $ 149,000 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 3 | $ 2,517,000 | $ 839,000 | $ 0 |
| State College, PA | 3 | $ 267,000 | $ 89,000 | $ 0 |
| Watertown-Fort Drum, NY | 3 | $ 2,281,000 | $ 760,333 | $ 0 |
| Atlantic City-Hammonton, NJ | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Cumberland, MD-WV | 2 | $ 137,000 | $ 68,500 | $ 0 |
| Gainesville, FL | 2 | $ 10,322,000 | $ 5,161,000 | $ 0 |
| Glens Falls, NY | 2 | $ 12,033,000 | $ 6,016,500 | $ 0 |
| Reading, PA | 2 | $ 327,000 | $ 163,500 | $ 0 |
| Tallahassee, FL | 2 | $ 26,319,000 | $ 13,159,500 | $ 0 |
| Trenton, NJ | 2 | $ 372,000 | $ 186,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 701,000 | $ 350,500 | $ 0 |
| Williamsport, PA | 2 | $ 1,950,000 | $ 975,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Bloomsburg-Berwick, PA | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Boston, MA | 1 | $ 32,175,000 | $ 32,175,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 8,673,000 | $ 8,673,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 38,114,000 | $ 38,114,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 35,000,000 | $ 35,000,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 30,500,000 | $ 30,500,000 | $ 0 |
| Dover, DE | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Kingston, NY | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Ocean City, NJ | 1 | $ 1,375,000 | $ 1,375,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 39,806,000 | $ 39,806,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 18,635,000 | $ 18,635,000 | $ 0 |
| Savannah, GA | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 3,450,000 | $ 3,450,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 415,000 | $ 415,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 3,200,000 | $ 3,200,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 150,000 | $ 150,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Real Estate Trust in 2016
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 | 213 | $1,089,952,000 | $5,117,000 | $95,000,000 | $0 | $0 |
| Refinancing | 74 | $171,112,000 | $2,312,000 | $38,500,000 | $0 | $0 |
| Home Improvement | 28 | $86,423,000 | $3,086,000 | $50,000,000 | $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 | 315 | $1,347,487,000 | $4,277,000 | $95,000,000 | $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 Hawaiin 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) | 315 | $1,347,487,000 | $4,277,000 | $95,000,000 | $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 | $1,322,032,000 | $4,250,000 | $95,000,000 | $0 | $0 |
| Loan Originated | 4 | $25,455,000 | $6,363,000 | $11,250,000 | $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 2016 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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