M&T Bank Mortgage Lending & HMDA Data, 2010

In 2010, M&T Bank of Buffalo, NY reported 36,929 mortgage applications totaling $6.8 billion, down 23% from 2009. The average application was for $185,040, and applicants reported an average income of $78,759. 62% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Buffalo-Niagara Falls, NY (2,785), Baltimore-Towson, MD (2,567) and Portland-Vancouver-Hillsboro, OR-WA (1,852) (applications in parentheses).

Mortgage Company & Address M&T Bank
1 M&T Plaza -15th Floor
Buffalo, NY 14203
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 36,929
Total Mortgage Loan Application Amount $6,833,368,000
Average Mortgage Loan Application Amount $185,040
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $78,759
Highest Applicant Income $6,445,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for M&T Bank by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Erie, New York 2,412 $ 257,274,000 $ 106,664 $ 67,000
Monroe, New York 1,272 $ 165,874,000 $ 130,404 $ 69,000
Baltimore, Maryland 986 $ 171,229,000 $ 173,660 $ 96,000
Onondaga, New York 923 $ 93,987,000 $ 101,827 $ 71,000
York, Pennsylvania 899 $ 120,493,000 $ 134,030 $ 73,000
Salt Lake, Utah 867 $ 193,549,000 $ 223,239 $ 69,000
King, Washington 756 $ 234,633,000 $ 310,361 $ 122,000
Baltimore City, Maryland 576 $ 60,816,000 $ 105,583 $ 54,000
Broome, New York 557 $ 59,846,000 $ 107,443 $ 68,000
Luzerne, Pennsylvania 515 $ 52,525,000 $ 101,990 $ 68,000
Multnomah, Oregon 485 $ 109,470,000 $ 225,711 $ 88,000
Clark, Washington 410 $ 85,233,000 $ 207,885 $ 75,000
Davis, Utah 380 $ 86,033,000 $ 226,402 $ 73,000
Anne Arundel, Maryland 379 $ 75,767,000 $ 199,912 $ 96,000
Niagara, New York 373 $ 31,696,000 $ 84,975 $ 53,000
Suffolk, New York 372 $ 91,907,000 $ 247,061 $ 80,000
Clackamas, Oregon 364 $ 94,123,000 $ 258,579 $ 86,000
Franklin, Pennsylvania 359 $ 46,428,000 $ 129,325 $ 76,000
Kings, New York 352 $ 131,756,000 $ 374,306 $ 75,000
Prince George's, Maryland 350 $ 58,817,000 $ 168,048 $ 62,000
Washington, Oregon 347 $ 79,083,000 $ 227,904 $ 79,000
Oneida, New York 346 $ 30,826,000 $ 89,092 $ 64,000
Pierce, Washington 342 $ 76,062,000 $ 222,403 $ 82,000
Utah, Utah 340 $ 70,732,000 $ 208,035 $ 66,000
Albany, New York 322 $ 53,274,000 $ 165,447 $ 75,000
Montgomery, Maryland 320 $ 95,221,000 $ 297,565 $ 155,000
Blair, Pennsylvania 313 $ 33,817,000 $ 108,041 $ 81,000
Orange, New York 292 $ 47,631,000 $ 163,119 $ 70,000
Cumberland, Pennsylvania 292 $ 41,167,000 $ 140,982 $ 83,000
Queens, New York 288 $ 84,255,000 $ 292,552 $ 77,000
Nassau, New York 287 $ 90,144,000 $ 314,090 $ 111,000
Saratoga, New York 272 $ 47,418,000 $ 174,330 $ 81,000
Washington, Maryland 269 $ 33,312,000 $ 123,836 $ 71,000
Dauphin, Pennsylvania 266 $ 31,962,000 $ 120,157 $ 74,000
Denver, Colorado 263 $ 62,181,000 $ 236,429 $ 99,000
Snohomish, Washington 257 $ 67,513,000 $ 262,696 $ 87,000
Harford, Maryland 255 $ 42,664,000 $ 167,309 $ 78,000
Westchester, New York 249 $ 94,307,000 $ 378,742 $ 114,000
New Haven, Connecticut 247 $ 49,119,000 $ 198,862 $ 73,000
Jefferson, Colorado 240 $ 55,088,000 $ 229,533 $ 101,000
Dutchess, New York 239 $ 45,693,000 $ 191,184 $ 91,000
Lancaster, Pennsylvania 236 $ 36,490,000 $ 154,618 $ 84,000
New York, New York 231 $ 358,401,000 $ 1,551,519 $ 292,000
Berks, Pennsylvania 228 $ 25,749,000 $ 112,934 $ 65,000
Fairfield, Connecticut 225 $ 78,283,000 $ 347,924 $ 112,000
Lane, Oregon 218 $ 41,886,000 $ 192,137 $ 62,000
Montgomery, Pennsylvania 214 $ 55,289,000 $ 258,359 $ 127,000
Schenectady, New York 210 $ 28,576,000 $ 136,076 $ 62,000
Marion, Oregon 210 $ 35,980,000 $ 171,333 $ 78,000
Arapahoe, Colorado 209 $ 46,622,000 $ 223,071 $ 93,000
Weber, Utah 196 $ 36,510,000 $ 186,275 $ 63,000
Rensselaer, New York 192 $ 23,991,000 $ 124,953 $ 60,000
Schuylkill, Pennsylvania 190 $ 13,698,000 $ 72,094 $ 64,000
Douglas, Colorado 188 $ 50,014,000 $ 266,031 $ 124,000
Philadelphia, Pennsylvania 187 $ 28,932,000 $ 154,716 $ 66,000
Carroll, Maryland 178 $ 34,480,000 $ 193,707 $ 93,000
Genesee, New York 174 $ 13,689,000 $ 78,672 $ 56,000
Delaware, Pennsylvania 170 $ 36,681,000 $ 215,770 $ 88,000
Chester, Pennsylvania 169 $ 45,800,000 $ 271,005 $ 126,000
Fairfax, Virginia 164 $ 44,055,000 $ 268,628 $ 131,000
Bucks, Pennsylvania 163 $ 40,504,000 $ 248,490 $ 93,000
Ada, Idaho 161 $ 28,762,000 $ 178,645 $ 68,000
Centre, Pennsylvania 161 $ 22,012,000 $ 136,720 $ 83,000
Frederick, Maryland 158 $ 30,137,000 $ 190,740 $ 86,000
Howard, Maryland 158 $ 35,596,000 $ 225,291 $ 109,000
Lycoming, Pennsylvania 156 $ 18,880,000 $ 121,025 $ 71,000
Columbia, Oregon 154 $ 27,841,000 $ 180,785 $ 76,000
Herkimer, New York 149 $ 8,682,000 $ 58,268 $ 55,000
District of Columbia, District Of Columbia 148 $ 52,749,000 $ 356,412 $ 108,000
Franklin, Ohio 142 $ 19,338,000 $ 136,183 $ 8,000
Chautauqua, New York 135 $ 10,354,000 $ 76,696 $ 55,000
Ulster, New York 133 $ 16,840,000 $ 126,616 $ 65,000
Allegany, Maryland 127 $ 10,350,000 $ 81,496 $ 54,000
Tooele, Utah 126 $ 23,672,000 $ 187,873 $ 67,000
Rockland, New York 116 $ 29,368,000 $ 253,172 $ 99,000
Adams, Pennsylvania 116 $ 15,410,000 $ 132,844 $ 75,000
Lackawanna, Pennsylvania 112 $ 14,338,000 $ 128,017 $ 68,000
Northumberland, Pennsylvania 112 $ 9,918,000 $ 88,553 $ 59,000
Ontario, New York 110 $ 27,937,000 $ 253,972 $ 210,000
Bedford, Pennsylvania 110 $ 9,311,000 $ 84,645 $ 51,000
Hartford, Connecticut 109 $ 23,200,000 $ 212,844 $ 68,000
Cayuga, New York 109 $ 8,942,000 $ 82,036 $ 73,000
Cattaraugus, New York 108 $ 8,679,000 $ 80,361 $ 71,000
Adams, Colorado 106 $ 20,251,000 $ 191,047 $ 73,000
Columbia, Pennsylvania 96 $ 9,223,000 $ 96,072 $ 65,000
Prince William, Virginia 94 $ 23,289,000 $ 247,755 $ 78,000
Putnam, New York 93 $ 19,796,000 $ 212,860 $ 96,000
Bronx, New York 92 $ 28,307,000 $ 307,684 $ 59,000
Sanpete, Utah 92 $ 14,748,000 $ 160,304 $ 59,000
Allegheny, Pennsylvania 90 $ 17,854,000 $ 198,377 $ 69,000
Madison, New York 89 $ 9,686,000 $ 108,831 $ 65,000
Lebanon, Pennsylvania 89 $ 10,463,000 $ 117,561 $ 59,000
Oswego, New York 87 $ 6,766,000 $ 77,770 $ 54,000
Miami-Dade, Florida 85 $ 12,836,000 $ 151,011 $ 7,000
Tioga, New York 85 $ 7,242,000 $ 85,200 $ 63,000
Jackson, Oregon 85 $ 20,022,000 $ 235,552 $ 100,000
Yamhill, Oregon 85 $ 20,903,000 $ 245,917 $ 80,000
Otsego, New York 84 $ 8,827,000 $ 105,083 $ 63,000
Stafford, Virginia 84 $ 23,060,000 $ 274,523 $ 275,000
Essex, Massachusetts 82 $ 20,891,000 $ 254,768 $ 67,000
Providence, Rhode Island 81 $ 13,398,000 $ 165,407 $ 49,000
Mineral, West Virginia 79 $ 6,713,000 $ 84,974 $ 48,000
Bonneville, Idaho 78 $ 11,005,000 $ 141,089 $ 63,000
Oakland, Michigan 78 $ 4,968,000 $ 63,692 $ 0
Sussex, Delaware 77 $ 20,689,000 $ 268,688 $ 197,000
Canyon, Idaho 77 $ 11,082,000 $ 143,922 $ 39,000
Wayne, New York 76 $ 5,824,000 $ 76,631 $ 43,000
Middlesex, Massachusetts 75 $ 23,099,000 $ 307,986 $ 102,000
Cache, Utah 75 $ 12,919,000 $ 172,253 $ 51,000
Jefferson, New York 74 $ 10,911,000 $ 147,445 $ 80,000
Wicomico, Maryland 73 $ 9,549,000 $ 130,808 $ 90,000
Livingston, New York 73 $ 11,498,000 $ 157,506 $ 75,000
Linn, Oregon 71 $ 12,003,000 $ 169,056 $ 56,000
Bristol, Massachusetts 69 $ 13,824,000 $ 200,347 $ 57,000
Benton, Washington 69 $ 14,387,000 $ 208,507 $ 100,000
Chenango, New York 68 $ 4,258,000 $ 62,617 $ 48,000
Garrett, Maryland 67 $ 8,061,000 $ 120,313 $ 87,000
Clinton, New York 67 $ 8,132,000 $ 121,373 $ 86,000
Tompkins, New York 67 $ 7,937,000 $ 118,462 $ 72,000
Lehigh, Pennsylvania 67 $ 10,374,000 $ 154,835 $ 125,000
Bradford, Pennsylvania 66 $ 5,288,000 $ 80,121 $ 62,000
Snyder, Pennsylvania 66 $ 5,856,000 $ 88,727 $ 54,000
Cuyahoga, Ohio 65 $ 8,029,000 $ 123,523 $ 18,000
Boulder, Colorado 64 $ 16,331,000 $ 255,171 $ 109,000
Worcester, Massachusetts 64 $ 12,048,000 $ 188,250 $ 56,000
Erie, Pennsylvania 64 $ 7,873,000 $ 123,015 $ 11,000
Richmond, New York 63 $ 16,160,000 $ 256,507 $ 82,000
Thurston, Washington 63 $ 14,118,000 $ 224,095 $ 75,000
Bergen, New Jersey 62 $ 24,132,000 $ 389,225 $ 88,000
Steuben, New York 62 $ 5,200,000 $ 83,870 $ 59,000
Sullivan, New York 62 $ 7,287,000 $ 117,532 $ 60,000
Warren, New York 62 $ 7,994,000 $ 128,935 $ 73,000
Cowlitz, Washington 62 $ 12,174,000 $ 196,354 $ 68,000
Wyoming, New York 61 $ 4,466,000 $ 73,213 $ 49,000
Loudoun, Virginia 60 $ 15,915,000 $ 265,250 $ 103,000
Deschutes, Oregon 58 $ 11,831,000 $ 203,982 $ 119,000
New Castle, Delaware 57 $ 17,020,000 $ 298,596 $ 82,000
Fulton, New York 57 $ 5,457,000 $ 95,736 $ 50,000
Clark, Nevada 56 $ 9,712,000 $ 173,428 $ 73,000
Washington, New York 56 $ 5,456,000 $ 97,428 $ 51,000
Cortland, New York 54 $ 6,816,000 $ 126,222 $ 53,000
Washington, Utah 54 $ 10,737,000 $ 198,833 $ 69,000
Wasco, Oregon 53 $ 8,231,000 $ 155,301 $ 71,000
Plymouth, Massachusetts 52 $ 12,475,000 $ 239,903 $ 67,000
Clearfield, Pennsylvania 52 $ 2,911,000 $ 55,980 $ 49,000
Union, Pennsylvania 52 $ 7,779,000 $ 149,596 $ 120,000
Chemung, New York 51 $ 4,386,000 $ 86,000 $ 80,000
Orleans, New York 50 $ 3,877,000 $ 77,540 $ 58,000
St. Lawrence, New York 49 $ 4,983,000 $ 101,693 $ 53,000
Polk, Oregon 49 $ 9,895,000 $ 201,938 $ 76,000
Charles, Maryland 48 $ 6,752,000 $ 140,666 $ 84,000
Spotsylvania, Virginia 48 $ 10,439,000 $ 217,479 $ 99,000
Spokane, Washington 48 $ 8,885,000 $ 185,104 $ 70,000
Worcester, Maryland 47 $ 9,355,000 $ 199,042 $ 104,000
Lincoln, Oregon 47 $ 10,826,000 $ 230,340 $ 83,000
El Paso, Colorado 46 $ 9,687,000 $ 210,586 $ 214,000
Calvert, Maryland 46 $ 8,276,000 $ 179,913 $ 93,000
Cecil, Maryland 46 $ 7,190,000 $ 156,304 $ 106,000
Clallam, Washington 46 $ 9,195,000 $ 199,891 $ 87,000
Clinton, Pennsylvania 45 $ 2,869,000 $ 63,755 $ 50,000
Blaine, Idaho 44 $ 11,446,000 $ 260,136 $ 111,000
Henrico, Virginia 43 $ 5,199,000 $ 120,906 $ 43,000
Lorain, Ohio 41 $ 6,168,000 $ 150,439 $ 5,000
Yakima, Washington 41 $ 6,958,000 $ 169,707 $ 54,000
Essex, New Jersey 40 $ 11,846,000 $ 296,150 $ 47,000
Penobscot, Maine 39 $ 6,149,000 $ 157,666 $ 56,000
Clatsop, Oregon 39 $ 7,872,000 $ 201,846 $ 93,000
Weld, Colorado 38 $ 8,251,000 $ 217,131 $ 76,000
Jefferson, Idaho 38 $ 6,093,000 $ 160,342 $ 56,000
Middlesex, New Jersey 38 $ 9,143,000 $ 240,605 $ 36,000
Franklin, Washington 38 $ 7,502,000 $ 197,421 $ 85,000
Suffolk, Massachusetts 37 $ 10,489,000 $ 283,486 $ 78,000
Montgomery, New York 37 $ 3,605,000 $ 97,432 $ 55,000
Douglas, Oregon 37 $ 6,330,000 $ 171,081 $ 66,000
Middlesex, Connecticut 36 $ 8,724,000 $ 242,333 $ 65,000
Broward, Florida 36 $ 6,036,000 $ 167,666 $ 8,000
Morrow, Oregon 36 $ 3,656,000 $ 101,555 $ 77,000
Cambria, Pennsylvania 36 $ 2,875,000 $ 79,861 $ 57,000
Whatcom, Washington 36 $ 8,527,000 $ 236,861 $ 83,000
Queen Anne's, Maryland 35 $ 10,083,000 $ 288,085 $ 205,000
Norfolk, Massachusetts 35 $ 11,920,000 $ 340,571 $ 101,000
Ravalli, Montana 35 $ 6,477,000 $ 185,057 $ 46,000
Taos, New Mexico 35 $ 7,858,000 $ 224,514 $ 74,000
Monroe, Pennsylvania 35 $ 4,288,000 $ 122,514 $ 86,000
Kent, Rhode Island 35 $ 6,580,000 $ 188,000 $ 78,000
Kitsap, Washington 35 $ 9,794,000 $ 279,828 $ 88,000
St. Mary's, Maryland 34 $ 6,439,000 $ 189,382 $ 197,000
Allegany, New York 33 $ 1,937,000 $ 58,696 $ 57,000
Bexar, Texas 33 $ 4,595,000 $ 139,242 $ 0
Chesterfield, Virginia 33 $ 5,289,000 $ 160,272 $ 45,000
Richmond City, Virginia 33 $ 4,848,000 $ 146,909 $ 43,000
La Plata, Colorado 32 $ 8,451,000 $ 264,093 $ 82,000
Monmouth, New Jersey 32 $ 9,312,000 $ 291,000 $ 173,000
Josephine, Oregon 32 $ 6,075,000 $ 189,843 $ 68,000
Tillamook, Oregon 32 $ 7,405,000 $ 231,406 $ 108,000
Palm Beach, Florida 31 $ 8,092,000 $ 261,032 $ 149,000
Union, New Jersey 31 $ 8,565,000 $ 276,290 $ 87,000
Riverside, California 30 $ 9,828,000 $ 327,600 $ 17,000
Benton, Oregon 30 $ 6,039,000 $ 201,300 $ 79,000
Carbon, Pennsylvania 30 $ 3,992,000 $ 133,066 $ 49,000
Rockingham, New Hampshire 29 $ 6,089,000 $ 209,965 $ 58,000
Umatilla, Oregon 29 $ 4,844,000 $ 167,034 $ 69,000
Northampton, Pennsylvania 29 $ 4,439,000 $ 153,068 $ 91,000
Summit, Utah 29 $ 8,555,000 $ 295,000 $ 130,000
Delaware, New York 28 $ 3,029,000 $ 108,178 $ 67,000
Medina, Ohio 28 $ 3,317,000 $ 118,464 $ 6,000
Lake, Florida 27 $ 3,899,000 $ 144,407 $ 0
Litchfield, Connecticut 26 $ 4,946,000 $ 190,230 $ 74,000
Orange, Florida 26 $ 3,921,000 $ 150,807 $ 0
Atlantic, New Jersey 26 $ 6,354,000 $ 244,384 $ 121,000
Seneca, New York 26 $ 2,631,000 $ 101,192 $ 67,000
Perry, Pennsylvania 26 $ 2,921,000 $ 112,346 $ 55,000
Skagit, Washington 26 $ 5,400,000 $ 207,692 $ 60,000
Hudson, New Jersey 25 $ 7,331,000 $ 293,240 $ 102,000
Butler, Ohio 25 $ 3,637,000 $ 145,480 $ 9,000
Coos, Oregon 25 $ 3,694,000 $ 147,760 $ 49,000
Tolland, Connecticut 24 $ 5,505,000 $ 229,375 $ 78,000
Columbia, New York 24 $ 5,495,000 $ 228,958 $ 75,000
Delaware, Ohio 24 $ 5,065,000 $ 211,041 $ 46,000
Island, Washington 24 $ 5,683,000 $ 236,791 $ 80,000
Los Angeles, California 23 $ 6,033,000 $ 262,304 $ 34,000
Elbert, Colorado 23 $ 6,735,000 $ 292,826 $ 180,000
New London, Connecticut 23 $ 4,763,000 $ 207,086 $ 55,000
Hillsborough, New Hampshire 23 $ 4,948,000 $ 215,130 $ 64,000
Camden, New Jersey 23 $ 4,183,000 $ 181,869 $ 69,000
Essex, New York 23 $ 3,672,000 $ 159,652 $ 89,000
Schoharie, New York 23 $ 2,138,000 $ 92,956 $ 61,000
Butler, Pennsylvania 23 $ 3,881,000 $ 168,739 $ 76,000
Montour, Pennsylvania 23 $ 2,321,000 $ 100,913 $ 77,000
Washtenaw, Michigan 22 $ 3,057,000 $ 138,954 $ 0
Cape May, New Jersey 22 $ 8,548,000 $ 388,545 $ 175,000
Passaic, New Jersey 22 $ 5,045,000 $ 229,318 $ 68,000
Hamilton, Ohio 22 $ 2,880,000 $ 130,909 $ 27,000
Susquehanna, Pennsylvania 22 $ 2,632,000 $ 119,636 $ 68,000
Summit, Colorado 21 $ 6,295,000 $ 299,761 $ 180,000
Kent, Delaware 21 $ 3,764,000 $ 179,238 $ 60,000
Bannock, Idaho 21 $ 2,691,000 $ 128,142 $ 56,000
Cook, Illinois 21 $ 3,630,000 $ 172,857 $ 2,000
Cumberland, Maine 21 $ 4,590,000 $ 218,571 $ 91,000
Ocean, New Jersey 21 $ 5,632,000 $ 268,190 $ 129,000
Summit, Ohio 21 $ 2,699,000 $ 128,523 $ 22,000
Hampden, Massachusetts 20 $ 2,913,000 $ 145,650 $ 50,000
Greene, New York 20 $ 2,916,000 $ 145,800 $ 61,000
Mahoning, Ohio 20 $ 1,581,000 $ 79,050 $ 7,000
Westmoreland, Pennsylvania 20 $ 2,341,000 $ 117,050 $ 61,000
Box Elder, Utah 20 $ 3,768,000 $ 188,400 $ 51,000
Arlington, Virginia 20 $ 7,461,000 $ 373,050 $ 119,000
Berkeley, West Virginia 20 $ 2,385,000 $ 119,250 $ 83,000
Payette, Idaho 19 $ 2,539,000 $ 133,631 $ 42,000
Burlington, New Jersey 19 $ 2,889,000 $ 152,052 $ 57,000
Grant, Oregon 19 $ 3,620,000 $ 190,526 $ 79,000
Huntingdon, Pennsylvania 19 $ 9,595,000 $ 505,000 $ 80,000
Lee, Florida 18 $ 2,075,000 $ 115,277 $ 74,000
Caroline, Maryland 18 $ 2,091,000 $ 116,166 $ 36,000
Dorchester, Maryland 18 $ 2,521,000 $ 140,055 $ 64,000
Sanders, Montana 18 $ 2,958,000 $ 164,333 $ 52,000
Wyoming, Pennsylvania 18 $ 1,808,000 $ 100,444 $ 75,000
Fauquier, Virginia 18 $ 3,822,000 $ 212,333 $ 97,000
Kittitas, Washington 18 $ 4,163,000 $ 231,277 $ 254,000
Mason, Washington 18 $ 4,202,000 $ 233,444 $ 103,000
Maricopa, Arizona 17 $ 5,985,000 $ 352,058 $ 466,000
Larimer, Colorado 17 $ 3,684,000 $ 216,705 $ 158,000
Bingham, Idaho 17 $ 2,106,000 $ 123,882 $ 57,000
Kootenai, Idaho 17 $ 3,223,000 $ 189,588 $ 58,000
Orleans, Louisiana 17 $ 2,939,000 $ 172,882 $ 0
Morris, New Jersey 17 $ 5,603,000 $ 329,588 $ 75,000
Warren, Ohio 17 $ 2,231,000 $ 131,235 $ 22,000
Harney, Oregon 17 $ 2,091,000 $ 123,000 $ 59,000
Chelan, Washington 17 $ 4,371,000 $ 257,117 $ 153,000
Grand, Colorado 16 $ 4,111,000 $ 256,937 $ 159,000
Wayne, Pennsylvania 16 $ 2,983,000 $ 186,437 $ 102,000
Juab, Utah 16 $ 2,386,000 $ 149,125 $ 46,000
Talbot, Maryland 15 $ 4,761,000 $ 317,400 $ 249,000
Wayne, Michigan 15 $ 1,774,000 $ 118,266 $ 9,000
Mercer, New Jersey 15 $ 2,595,000 $ 173,000 $ 141,000
Fairfield, Ohio 15 $ 2,070,000 $ 138,000 $ 3,000
Malheur, Oregon 15 $ 1,916,000 $ 127,733 $ 62,000
Alexandria, Virginia 15 $ 6,692,000 $ 446,133 $ 152,000
Broomfield, Colorado 14 $ 3,555,000 $ 253,928 $ 110,000
Fremont, Idaho 14 $ 2,231,000 $ 159,357 $ 83,000
Lake, Indiana 14 $ 1,923,000 $ 137,357 $ 0
Franklin, New York 14 $ 1,393,000 $ 99,500 $ 78,000
Montgomery, Ohio 14 $ 1,151,000 $ 82,214 $ 21,000
Fulton, Pennsylvania 14 $ 1,753,000 $ 125,214 $ 79,000
Pike, Pennsylvania 14 $ 1,815,000 $ 129,642 $ 105,000
Genesee, Michigan 13 $ 1,238,000 $ 95,230 $ 0
Trumbull, Ohio 13 $ 1,178,000 $ 90,615 $ 9,000
Klickitat, Washington 13 $ 2,245,000 $ 172,692 $ 71,000
San Bernardino, California 12 $ 2,234,000 $ 186,166 $ 0
Jackson, Missouri 12 $ 1,381,000 $ 115,083 $ 0
Bernalillo, New Mexico 12 $ 2,369,000 $ 197,416 $ 60,000
Schuyler, New York 12 $ 1,201,000 $ 100,083 $ 60,000
Huron, Ohio 12 $ 1,191,000 $ 99,250 $ 42,000
Licking, Ohio 12 $ 1,788,000 $ 149,000 $ 17,000
Portage, Ohio 12 $ 1,812,000 $ 151,000 $ 18,000
Stark, Ohio 12 $ 1,548,000 $ 129,000 $ 20,000
Manassas, Virginia 12 $ 1,532,000 $ 127,666 $ 62,000
Pueblo, Colorado 11 $ 2,222,000 $ 202,000 $ 86,000
Franklin, Idaho 11 $ 1,747,000 $ 158,818 $ 60,000
Kennebec, Maine 11 $ 1,837,000 $ 167,000 $ 66,000
Flathead, Montana 11 $ 2,932,000 $ 266,545 $ 101,000
Gloucester, New Jersey 11 $ 1,899,000 $ 172,636 $ 56,000
Sussex, New Jersey 11 $ 2,473,000 $ 224,818 $ 56,000
Valencia, New Mexico 11 $ 1,814,000 $ 164,909 $ 56,000
Hood River, Oregon 11 $ 2,337,000 $ 212,454 $ 83,000
Beaver, Pennsylvania 11 $ 1,341,000 $ 121,909 $ 49,000
Washington, Pennsylvania 11 $ 1,758,000 $ 159,818 $ 58,000
Newport, Rhode Island 11 $ 3,679,000 $ 334,454 $ 92,000
Sevier, Utah 11 $ 2,167,000 $ 197,000 $ 61,000
Wasatch, Utah 11 $ 2,801,000 $ 254,636 $ 123,000
Hanover, Virginia 11 $ 2,388,000 $ 217,090 $ 73,000
Douglas, Washington 11 $ 2,409,000 $ 219,000 $ 120,000
Grays Harbor, Washington 11 $ 1,642,000 $ 149,272 $ 53,000
Lewis, Washington 11 $ 2,068,000 $ 188,000 $ 64,000
Pinellas, Florida 10 $ 1,720,000 $ 172,000 $ 67,000
Seminole, Florida 10 $ 1,468,000 $ 146,800 $ 0
Marion, Indiana 10 $ 1,143,000 $ 114,300 $ 0
Cumberland, New Jersey 10 $ 1,404,000 $ 140,400 $ 27,000
Somerset, New Jersey 10 $ 3,225,000 $ 322,500 $ 116,000
Yates, New York 10 $ 1,803,000 $ 180,300 $ 76,000
Mifflin, Pennsylvania 10 $ 899,000 $ 89,900 $ 56,000
Washington, Rhode Island 10 $ 3,007,000 $ 300,700 $ 287,000
King George, Virginia 10 $ 2,571,000 $ 257,100 $ 90,000
Windham, Connecticut 9 $ 1,337,000 $ 148,555 $ 61,000
Collier, Florida 9 $ 2,937,000 $ 326,333 $ 316,000
Kenton, Kentucky 9 $ 1,034,000 $ 114,888 $ 36,000
Barnstable, Massachusetts 9 $ 2,760,000 $ 306,666 $ 200,000
Macomb, Michigan 9 $ 820,000 $ 91,111 $ 0
Merrimack, New Hampshire 9 $ 1,766,000 $ 196,222 $ 39,000
Strafford, New Hampshire 9 $ 1,803,000 $ 200,333 $ 66,000
Crook, Oregon 9 $ 1,661,000 $ 184,555 $ 55,000
Klamath, Oregon 9 $ 1,695,000 $ 188,333 $ 79,000
Somerset, Pennsylvania 9 $ 580,000 $ 64,444 $ 36,000
Sullivan, Pennsylvania 9 $ 1,023,000 $ 113,666 $ 61,000
Tioga, Pennsylvania 9 $ 1,014,000 $ 112,666 $ 47,000
Bristol, Rhode Island 9 $ 2,728,000 $ 303,111 $ 59,000
Dallas, Texas 9 $ 1,452,000 $ 161,333 $ 0
Millard, Utah 9 $ 1,099,000 $ 122,111 $ 59,000
Morgan, Utah 9 $ 1,953,000 $ 217,000 $ 65,000
Uintah, Utah 9 $ 1,787,000 $ 198,555 $ 57,000
Hampton, Virginia 9 $ 1,843,000 $ 204,777 $ 3,000
Virginia Beach, Virginia 9 $ 2,746,000 $ 305,111 $ 61,000
Hampshire, West Virginia 9 $ 796,000 $ 88,444 $ 44,000
Sarasota, Florida 8 $ 6,063,000 $ 757,875 $ 743,000
St. Lucie, Florida 8 $ 780,000 $ 97,500 $ 0
York, Maine 8 $ 1,841,000 $ 230,125 $ 82,000
Kalamazoo, Michigan 8 $ 850,000 $ 106,250 $ 0
Allen, Ohio 8 $ 992,000 $ 124,000 $ 0
Curry, Oregon 8 $ 1,535,000 $ 191,875 $ 94,000
Fayette, Pennsylvania 8 $ 785,000 $ 98,125 $ 70,000
Caroline, Virginia 8 $ 1,096,000 $ 137,000 $ 49,000
Mesa, Colorado 7 $ 1,559,000 $ 222,714 $ 96,000
Ouray, Colorado 7 $ 1,736,000 $ 248,000 $ 109,000
Johnson, Kansas 7 $ 1,210,000 $ 172,857 $ 0
Aroostook, Maine 7 $ 534,000 $ 76,285 $ 39,000
Hancock, Maine 7 $ 1,139,000 $ 162,714 $ 109,000
Wake, North Carolina 7 $ 2,797,000 $ 399,571 $ 142,000
Clermont, Ohio 7 $ 1,364,000 $ 194,857 $ 31,000
Pickaway, Ohio 7 $ 1,172,000 $ 167,428 $ 37,000
Wayne, Ohio 7 $ 1,007,000 $ 143,857 $ 4,000
Oklahoma, Oklahoma 7 $ 728,000 $ 104,000 $ 0
Wallowa, Oregon 7 $ 1,076,000 $ 153,714 $ 92,000
Juniata, Pennsylvania 7 $ 793,000 $ 113,285 $ 65,000
Charleston, South Carolina 7 $ 3,044,000 $ 434,857 $ 89,000
Horry, South Carolina 7 $ 884,000 $ 126,285 $ 110,000
Emery, Utah 7 $ 956,000 $ 136,571 $ 51,000
Chesapeake, Virginia 7 $ 1,714,000 $ 244,857 $ 21,000
Culpeper, Virginia 7 $ 1,099,000 $ 157,000 $ 94,000
Okanogan, Washington 7 $ 1,300,000 $ 185,714 $ 104,000
Skamania, Washington 7 $ 1,368,000 $ 195,428 $ 68,000
Laramie, Wyoming 7 $ 1,250,000 $ 178,571 $ 45,000
Eagle, Colorado 6 $ 2,108,000 $ 351,333 $ 101,000
Hillsborough, Florida 6 $ 824,000 $ 137,333 $ 31,000
Polk, Florida 6 $ 637,000 $ 106,166 $ 0
Cobb, Georgia 6 $ 970,000 $ 161,666 $ 0
Fulton, Georgia 6 $ 935,000 $ 155,833 $ 0
Bear Lake, Idaho 6 $ 1,017,000 $ 169,500 $ 85,000
Madison, Idaho 6 $ 1,166,000 $ 194,333 $ 42,000
Twin Falls, Idaho 6 $ 918,000 $ 153,000 $ 40,000
East Baton Rouge, Louisiana 6 $ 995,000 $ 165,833 $ 0
Calhoun, Michigan 6 $ 668,000 $ 111,333 $ 0
Kent, Michigan 6 $ 772,000 $ 128,666 $ 13,000
Hennepin, Minnesota 6 $ 1,557,000 $ 259,500 $ 0
Belmont, Ohio 6 $ 672,000 $ 112,000 $ 48,000
Columbiana, Ohio 6 $ 530,000 $ 88,333 $ 0
Muskingum, Ohio 6 $ 551,000 $ 91,833 $ 0
Union, Ohio 6 $ 1,111,000 $ 185,166 $ 53,000
Gilliam, Oregon 6 $ 647,000 $ 107,833 $ 49,000
Union, Oregon 6 $ 1,365,000 $ 227,500 $ 99,000
Maverick, Texas 6 $ 659,000 $ 109,833 $ 0
Carbon, Utah 6 $ 760,000 $ 126,666 $ 36,000
Garfield, Utah 6 $ 1,309,000 $ 218,166 $ 76,000
Manassas Park, Virginia 6 $ 863,000 $ 143,833 $ 13,000
Newport News, Virginia 6 $ 717,000 $ 119,500 $ 32,000
Norfolk, Virginia 6 $ 766,000 $ 127,666 $ 40,000
Powhatan, Virginia 6 $ 1,464,000 $ 244,000 $ 80,000
Jefferson, Washington 6 $ 1,655,000 $ 275,833 $ 97,000
Pacific, Washington 6 $ 681,000 $ 113,500 $ 45,000
Walla Walla, Washington 6 $ 1,210,000 $ 201,666 $ 90,000
Morgan, West Virginia 6 $ 464,000 $ 77,333 $ 46,000
Ohio, West Virginia 6 $ 569,000 $ 94,833 $ 74,000
Natrona, Wyoming 6 $ 1,042,000 $ 173,666 $ 33,000
Fresno, California 5 $ 659,000 $ 131,800 $ 0
Lake, Colorado 5 $ 956,000 $ 191,200 $ 46,000
Park, Colorado 5 $ 1,136,000 $ 227,200 $ 86,000
Duval, Florida 5 $ 871,000 $ 174,200 $ 0
Manatee, Florida 5 $ 4,942,000 $ 988,400 $ 751,000
Clayton, Georgia 5 $ 594,000 $ 118,800 $ 0
DeKalb, Georgia 5 $ 436,000 $ 87,200 $ 0
Elmore, Idaho 5 $ 730,000 $ 146,000 $ 83,000
Hamilton, Indiana 5 $ 719,000 $ 143,800 $ 0
Porter, Indiana 5 $ 561,000 $ 112,200 $ 0
Boone, Kentucky 5 $ 882,000 $ 176,400 $ 37,000
Jefferson, Louisiana 5 $ 566,000 $ 113,200 $ 0
Androscoggin, Maine 5 $ 850,000 $ 170,000 $ 59,000
Somerset, Maryland 5 $ 581,000 $ 116,200 $ 62,000
Hampshire, Massachusetts 5 $ 1,103,000 $ 220,600 $ 94,000
Carroll, New Hampshire 5 $ 1,074,000 $ 214,800 $ 141,000
Warren, New Jersey 5 $ 974,000 $ 194,800 $ 64,000
Lewis, New York 5 $ 719,000 $ 143,800 $ 127,000
Ashtabula, Ohio 5 $ 518,000 $ 103,600 $ 26,000
Marion, Ohio 5 $ 479,000 $ 95,800 $ 22,000
Wheeler, Oregon 5 $ 879,000 $ 175,800 $ 68,000
McKean, Pennsylvania 5 $ 447,000 $ 89,400 $ 38,000
Iron, Utah 5 $ 961,000 $ 192,200 $ 75,000
Louisa, Virginia 5 $ 699,000 $ 139,800 $ 51,000
Orange, Virginia 5 $ 1,083,000 $ 216,600 $ 78,000
Portsmouth, Virginia 5 $ 369,000 $ 73,800 $ 41,000
San Juan, Washington 5 $ 2,246,000 $ 449,200 $ 138,000
Wahkiakum, Washington 5 $ 709,000 $ 141,800 $ 56,000
Carbon, Wyoming 5 $ 849,000 $ 169,800 $ 62,000
Pima, Arizona 4 $ 716,000 $ 179,000 $ 37,000
Orange, California 4 $ 1,602,000 $ 400,500 $ 0
Delta, Colorado 4 $ 995,000 $ 248,750 $ 82,000
Garfield, Colorado 4 $ 1,319,000 $ 329,750 $ 128,000
Gilpin, Colorado 4 $ 665,000 $ 166,250 $ 58,000
Escambia, Florida 4 $ 538,000 $ 134,500 $ 0
Osceola, Florida 4 $ 426,000 $ 106,500 $ 0
Pasco, Florida 4 $ 572,000 $ 143,000 $ 0
Volusia, Florida 4 $ 645,000 $ 161,250 $ 106,000
Gwinnett, Georgia 4 $ 719,000 $ 179,750 $ 0
Henry, Georgia 4 $ 815,000 $ 203,750 $ 21,000
Boise, Idaho 4 $ 804,000 $ 201,000 $ 82,000
Jerome, Idaho 4 $ 438,000 $ 109,500 $ 32,000
Valley, Idaho 4 $ 1,514,000 $ 378,500 $ 173,000
Washington, Idaho 4 $ 466,000 $ 116,500 $ 37,000
Will, Illinois 4 $ 788,000 $ 197,000 $ 0
Hendricks, Indiana 4 $ 652,000 $ 163,000 $ 0
Leavenworth, Kansas 4 $ 700,000 $ 175,000 $ 0
Lincoln, Maine 4 $ 913,000 $ 228,250 $ 121,000
Oxford, Maine 4 $ 572,000 $ 143,000 $ 62,000
Livingston, Michigan 4 $ 769,000 $ 192,250 $ 0
Ottawa, Michigan 4 $ 400,000 $ 100,000 $ 0
Clay, Missouri 4 $ 603,000 $ 150,750 $ 0
Gallatin, Montana 4 $ 898,000 $ 224,500 $ 47,000
Salem, New Jersey 4 $ 802,000 $ 200,500 $ 49,000
Santa Fe, New Mexico 4 $ 1,278,000 $ 319,500 $ 128,000
Hamilton, New York 4 $ 764,000 $ 191,000 $ 203,000
Mecklenburg, North Carolina 4 $ 544,000 $ 136,000 $ 0
Champaign, Ohio 4 $ 395,000 $ 98,750 $ 40,000
Lake, Ohio 4 $ 343,000 $ 85,750 $ 25,000
Lucas, Ohio 4 $ 547,000 $ 136,750 $ 35,000
Ross, Ohio 4 $ 489,000 $ 122,250 $ 0
Wood, Ohio 4 $ 513,000 $ 128,250 $ 23,000
Indiana, Pennsylvania 4 $ 492,000 $ 123,000 $ 32,000
Berkeley, South Carolina 4 $ 630,000 $ 157,500 $ 0
Harris, Texas 4 $ 459,000 $ 114,750 $ 0
Colonial Heights, Virginia 4 $ 281,000 $ 70,250 $ 17,000
Dinwiddie, Virginia 4 $ 739,000 $ 184,750 $ 0
Fredericksburg, Virginia 4 $ 501,000 $ 125,250 $ 72,000
James City, Virginia 4 $ 1,571,000 $ 392,750 $ 115,000
Warren, Virginia 4 $ 446,000 $ 111,500 $ 39,000
Whitman, Washington 4 $ 846,000 $ 211,500 $ 55,000
Jefferson, West Virginia 4 $ 885,000 $ 221,250 $ 127,000
Preston, West Virginia 4 $ 410,000 $ 102,500 $ 57,000
Fremont, Wyoming 4 $ 596,000 $ 149,000 $ 60,000
Sweetwater, Wyoming 4 $ 687,000 $ 171,750 $ 88,000
Pinal, Arizona 3 $ 685,000 $ 228,333 $ 0
Alameda, California 3 $ 1,256,000 $ 418,666 $ 42,000
Butte, California 3 $ 519,000 $ 173,000 $ 0
Kern, California 3 $ 328,000 $ 109,333 $ 0
Sacramento, California 3 $ 374,000 $ 124,666 $ 47,000
San Joaquin, California 3 $ 515,000 $ 171,666 $ 0
Morgan, Colorado 3 $ 599,000 $ 199,666 $ 65,000
San Miguel, Colorado 3 $ 498,000 $ 166,000 $ 53,000
Monroe, Florida 3 $ 1,543,000 $ 514,333 $ 524,000
Adams, Idaho 3 $ 809,000 $ 269,666 $ 98,000
Cassia, Idaho 3 $ 352,000 $ 117,333 $ 69,000
Gem, Idaho 3 $ 371,000 $ 123,666 $ 45,000
Teton, Idaho 3 $ 526,000 $ 175,333 $ 77,000
Elkhart, Indiana 3 $ 397,000 $ 132,333 $ 0
Montgomery, Indiana 3 $ 365,000 $ 121,666 $ 0
St. Tammany, Louisiana 3 $ 471,000 $ 157,000 $ 0
Sagadahoc, Maine 3 $ 524,000 $ 174,666 $ 69,000
Somerset, Maine 3 $ 290,000 $ 96,666 $ 42,000
Alpena, Michigan 3 $ 182,000 $ 60,666 $ 0
Monroe, Michigan 3 $ 361,000 $ 120,333 $ 0
Wright, Minnesota 3 $ 436,000 $ 145,333 $ 0
Harrison, Mississippi 3 $ 567,000 $ 189,000 $ 0
Dawson, Montana 3 $ 380,000 $ 126,666 $ 57,000
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Mortgage Loan Application Detail Totals for M&T Bank in 2010

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
Refinancing 17,389 $3,755,654,000 $215,000 $99,999,000 $93,000 $6,445,000
Home Purchase 14,865 $2,915,576,000 $196,000 $19,275,000 $68,000 $4,811,000
Home Improvement 4,675 $162,138,000 $34,000 $8,000,000 $60,000 $2,400,000

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
White 26,363 $4,544,851,000 $172,000 $2,400,000 $87,000 $6,445,000
Not applicable 3,611 $1,077,449,000 $298,000 $99,999,000 $2,000 $1,656,000
Not Provided 3,079 $547,189,000 $177,000 $2,665,000 $103,000 $2,500,000
Black or African American 1,701 $227,755,000 $133,000 $2,000,000 $62,000 $1,467,000
Hispanic 1,093 $183,675,000 $168,000 $1,500,000 $63,000 $858,000
Asian 901 $225,917,000 $250,000 $1,500,000 $108,000 $1,471,000
American Indian or Alaskan Native 105 $12,538,000 $119,000 $569,000 $75,000 $1,104,000
Native Hawaiian or Other Pacific Islander 76 $13,994,000 $184,000 $634,000 $87,000 $568,000

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) 23,014 $4,271,422,000 $185,000 $99,999,000 $100,000 $6,445,000
FHA-insured (Federal Housing Administration) 12,373 $2,266,911,000 $183,000 $1,178,000 $43,000 $1,518,000
VA-guaranteed (Veterans Administration) 957 $194,517,000 $203,000 $705,000 $55,000 $408,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 585 $100,518,000 $171,000 $417,000 $47,000 $108,000

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 Originated 22,921 $4,505,520,000 $196,000 $99,999,000 $90,000 $6,445,000
Application Denied By Financial Institution 6,373 $815,352,000 $127,000 $2,200,000 $69,000 $2,500,000
Loan Purchased By The Institution 3,391 $624,660,000 $184,000 $744,000 $0 $0
Application Approved But Not Accepted 2,352 $477,557,000 $203,000 $2,665,000 $86,000 $1,600,000
Application Withdrawn By Applicant 1,619 $362,543,000 $223,000 $2,000,000 $113,000 $2,795,000
Preapproval Denied by Financial Institution 175 $33,819,000 $193,000 $920,000 $52,000 $245,000
File Closed For Incompleteness 98 $13,917,000 $142,000 $806,000 $75,000 $427,000
Preapproval Approved but not Accepted 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 Bank's 2010 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 Bank'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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