M&T Bank Mortgage Lending & HMDA Data, 2003
In 2003, M&T Bank of Buffalo, NY reported 19,525 mortgage applications totaling $2.1 billion. The average application was for $109,780, and applicants reported an average income of $85,539. 21% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Buffalo-Niagara Falls, NY (2,335), Rochester, NY (1,343) and New York, NY (1,189) (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 | 19,525 |
| Total Mortgage Loan Application Amount | $2,143,459,000 |
| Average Mortgage Loan Application Amount | $109,780 |
| Highest Mortgage Loan Application Amount | $16,400,000 |
| Average Applicant Income | $85,539 |
| Highest Applicant Income | $9,999,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,995 | $ 166,032,000 | $ 83,224 | $ 48,000 |
| Monroe, New York | 908 | $ 82,496,000 | $ 90,854 | $ 107,000 |
| Onondaga, New York | 691 | $ 52,248,000 | $ 75,612 | $ 125,000 |
| York, Pennsylvania | 608 | $ 49,063,000 | $ 80,695 | $ 214,000 |
| Luzerne, Pennsylvania | 560 | $ 39,960,000 | $ 71,357 | $ 66,000 |
| Blair, Pennsylvania | 427 | $ 27,579,000 | $ 64,587 | $ 32,000 |
| Orange, New York | 402 | $ 58,162,000 | $ 144,681 | $ 283,000 |
| Franklin, Pennsylvania | 384 | $ 25,787,000 | $ 67,153 | $ 267,000 |
| Dutchess, New York | 362 | $ 63,547,000 | $ 175,544 | $ 78,000 |
| Suffolk, New York | 346 | $ 86,602,000 | $ 250,294 | $ 70,000 |
| Niagara, New York | 340 | $ 27,432,000 | $ 80,682 | $ 57,000 |
| Lancaster, Pennsylvania | 334 | $ 34,043,000 | $ 101,925 | $ 81,000 |
| Dauphin, Pennsylvania | 332 | $ 27,269,000 | $ 82,135 | $ 67,000 |
| Berks, Pennsylvania | 324 | $ 39,362,000 | $ 121,487 | $ 68,000 |
| Centre, Pennsylvania | 292 | $ 31,392,000 | $ 107,506 | $ 51,000 |
| Lycoming, Pennsylvania | 288 | $ 15,357,000 | $ 53,322 | $ 111,000 |
| Cumberland, Pennsylvania | 284 | $ 22,680,000 | $ 79,859 | $ 99,000 |
| Westchester, New York | 261 | $ 72,066,000 | $ 276,114 | $ 54,000 |
| Baltimore, Maryland | 239 | $ 24,056,000 | $ 100,652 | $ 241,000 |
| Allegany, Maryland | 231 | $ 10,357,000 | $ 44,835 | $ 43,000 |
| Saratoga, New York | 227 | $ 31,974,000 | $ 140,854 | $ 64,000 |
| Bradford, Pennsylvania | 223 | $ 10,914,000 | $ 48,941 | $ 58,000 |
| Schuylkill, Pennsylvania | 223 | $ 11,359,000 | $ 50,937 | $ 140,000 |
| Kings, New York | 205 | $ 37,310,000 | $ 182,000 | $ 70,000 |
| Albany, New York | 199 | $ 27,993,000 | $ 140,668 | $ 114,000 |
| Northumberland, Pennsylvania | 198 | $ 10,506,000 | $ 53,060 | $ 79,000 |
| Broome, New York | 182 | $ 11,671,000 | $ 64,126 | $ 106,000 |
| Nassau, New York | 180 | $ 36,119,000 | $ 200,661 | $ 104,000 |
| Richmond, New York | 176 | $ 30,033,000 | $ 170,642 | $ 166,000 |
| Baltimore City, Maryland | 174 | $ 11,995,000 | $ 68,936 | $ 404,000 |
| Queens, New York | 165 | $ 25,050,000 | $ 151,818 | $ 34,000 |
| Rockland, New York | 162 | $ 33,981,000 | $ 209,759 | $ 77,000 |
| Bedford, Pennsylvania | 159 | $ 11,095,000 | $ 69,779 | $ 36,000 |
| Chautauqua, New York | 154 | $ 7,179,000 | $ 46,616 | $ 192,000 |
| Ulster, New York | 152 | $ 16,598,000 | $ 109,197 | $ 65,000 |
| Anne Arundel, Maryland | 151 | $ 15,359,000 | $ 101,715 | $ 94,000 |
| Washington, Maryland | 151 | $ 10,277,000 | $ 68,059 | $ 156,000 |
| Genesee, New York | 147 | $ 8,939,000 | $ 60,809 | $ 35,000 |
| Snyder, Pennsylvania | 144 | $ 9,151,000 | $ 63,548 | $ 66,000 |
| Rensselaer, New York | 135 | $ 13,942,000 | $ 103,274 | $ 23,000 |
| Hartford, Connecticut | 132 | $ 23,180,000 | $ 175,606 | $ 0 |
| Cattaraugus, New York | 128 | $ 5,833,000 | $ 45,570 | $ 28,000 |
| Mineral, West Virginia | 120 | $ 5,940,000 | $ 49,500 | $ 36,000 |
| Chester, Pennsylvania | 118 | $ 19,294,000 | $ 163,508 | $ 115,000 |
| Lebanon, Pennsylvania | 114 | $ 8,295,000 | $ 72,763 | $ 58,000 |
| Montgomery, Pennsylvania | 112 | $ 32,758,000 | $ 292,482 | $ 32,000 |
| New York, New York | 110 | $ 37,640,000 | $ 342,181 | $ 41,000 |
| Oneida, New York | 110 | $ 6,986,000 | $ 63,509 | $ 53,000 |
| Union, Pennsylvania | 110 | $ 8,493,000 | $ 77,209 | $ 50,000 |
| Clinton, Pennsylvania | 109 | $ 5,031,000 | $ 46,155 | $ 38,000 |
| Fairfield, Connecticut | 107 | $ 22,137,000 | $ 206,887 | $ 0 |
| Delaware, Pennsylvania | 103 | $ 15,511,000 | $ 150,592 | $ 136,000 |
| Adams, Pennsylvania | 101 | $ 7,437,000 | $ 73,633 | $ 45,000 |
| Columbia, Pennsylvania | 101 | $ 6,987,000 | $ 69,178 | $ 48,000 |
| Philadelphia, Pennsylvania | 100 | $ 14,542,000 | $ 145,420 | $ 133,000 |
| Clinton, New York | 97 | $ 10,156,000 | $ 104,701 | $ 31,000 |
| Prince George's, Maryland | 94 | $ 8,111,000 | $ 86,287 | $ 80,000 |
| Harford, Maryland | 93 | $ 6,955,000 | $ 74,784 | $ 100,000 |
| Ontario, New York | 92 | $ 9,168,000 | $ 99,652 | $ 46,000 |
| Tompkins, New York | 91 | $ 10,472,000 | $ 115,076 | $ 234,000 |
| Schenectady, New York | 90 | $ 11,521,000 | $ 128,011 | $ 30,000 |
| Warren, New York | 89 | $ 12,413,000 | $ 139,471 | $ 117,000 |
| Clearfield, Pennsylvania | 88 | $ 3,450,000 | $ 39,204 | $ 38,000 |
| Bucks, Pennsylvania | 81 | $ 12,749,000 | $ 157,395 | $ 35,000 |
| King, Washington | 78 | $ 16,757,000 | $ 214,833 | $ 0 |
| New Haven, Connecticut | 76 | $ 12,017,000 | $ 158,118 | $ 289,000 |
| Putnam, New York | 73 | $ 14,264,000 | $ 195,397 | $ 35,000 |
| Garrett, Maryland | 72 | $ 4,725,000 | $ 65,625 | $ 43,000 |
| Wayne, New York | 72 | $ 6,001,000 | $ 83,347 | $ 33,000 |
| Montgomery, Maryland | 70 | $ 11,400,000 | $ 162,857 | $ 258,000 |
| Cayuga, New York | 69 | $ 4,630,000 | $ 67,101 | $ 86,000 |
| Livingston, New York | 66 | $ 4,284,000 | $ 64,909 | $ 87,000 |
| Lehigh, Pennsylvania | 66 | $ 4,764,000 | $ 72,181 | $ 73,000 |
| Northampton, Pennsylvania | 62 | $ 12,781,000 | $ 206,145 | $ 62,000 |
| Otsego, New York | 60 | $ 6,193,000 | $ 103,216 | $ 12,000 |
| Wyoming, New York | 59 | $ 3,699,000 | $ 62,694 | $ 78,000 |
| Orleans, New York | 58 | $ 2,416,000 | $ 41,655 | $ 349,000 |
| Franklin, Ohio | 58 | $ 10,008,000 | $ 172,551 | $ 0 |
| Monroe, Pennsylvania | 58 | $ 6,727,000 | $ 115,982 | $ 141,000 |
| Oswego, New York | 57 | $ 3,298,000 | $ 57,859 | $ 38,000 |
| Carbon, Pennsylvania | 57 | $ 3,944,000 | $ 69,192 | $ 699,000 |
| Tioga, New York | 55 | $ 2,602,000 | $ 47,309 | $ 35,000 |
| Madison, New York | 54 | $ 4,858,000 | $ 89,962 | $ 165,000 |
| Allegany, New York | 53 | $ 2,584,000 | $ 48,754 | $ 26,000 |
| Lackawanna, Pennsylvania | 53 | $ 3,585,000 | $ 67,641 | $ 36,000 |
| Wicomico, Maryland | 52 | $ 14,630,000 | $ 281,346 | $ 50,000 |
| Plymouth, Massachusetts | 51 | $ 9,706,000 | $ 190,313 | $ 0 |
| Frederick, Maryland | 48 | $ 10,393,000 | $ 216,520 | $ 82,000 |
| District of Columbia, District Of Columbia | 47 | $ 5,781,000 | $ 123,000 | $ 129,000 |
| Steuben, New York | 47 | $ 1,585,000 | $ 33,723 | $ 303,000 |
| Delaware, Ohio | 42 | $ 9,982,000 | $ 237,666 | $ 0 |
| Mifflin, Pennsylvania | 42 | $ 2,283,000 | $ 54,357 | $ 82,000 |
| Carroll, Maryland | 40 | $ 4,092,000 | $ 102,300 | $ 788,000 |
| Sullivan, New York | 40 | $ 2,792,000 | $ 69,800 | $ 37,000 |
| Montour, Pennsylvania | 39 | $ 3,873,000 | $ 99,307 | $ 33,000 |
| Howard, Maryland | 38 | $ 4,867,000 | $ 128,078 | $ 76,000 |
| Middlesex, Connecticut | 37 | $ 6,102,000 | $ 164,918 | $ 0 |
| Bronx, New York | 37 | $ 5,602,000 | $ 151,405 | $ 32,000 |
| Salt Lake, Utah | 37 | $ 5,702,000 | $ 154,108 | $ 0 |
| Perry, Pennsylvania | 36 | $ 2,327,000 | $ 64,638 | $ 42,000 |
| Litchfield, Connecticut | 34 | $ 5,454,000 | $ 160,411 | $ 1,000 |
| Wyoming, Pennsylvania | 34 | $ 3,079,000 | $ 90,558 | $ 41,000 |
| Middlesex, Massachusetts | 33 | $ 8,560,000 | $ 259,393 | $ 0 |
| Charles, Maryland | 32 | $ 2,062,000 | $ 64,437 | $ 68,000 |
| Norfolk, Massachusetts | 31 | $ 6,535,000 | $ 210,806 | $ 0 |
| Cortland, New York | 31 | $ 1,853,000 | $ 59,774 | $ 36,000 |
| Licking, Ohio | 31 | $ 6,980,000 | $ 225,161 | $ 0 |
| Maricopa, Arizona | 28 | $ 4,380,000 | $ 156,428 | $ 0 |
| Columbia, New York | 28 | $ 2,418,000 | $ 86,357 | $ 24,000 |
| Fairfax, Virginia | 27 | $ 4,164,000 | $ 154,222 | $ 107,000 |
| Davis, Utah | 25 | $ 3,754,000 | $ 150,160 | $ 0 |
| Prince William, Virginia | 25 | $ 4,314,000 | $ 172,560 | $ 47,000 |
| Sullivan, Pennsylvania | 24 | $ 1,840,000 | $ 76,666 | $ 32,000 |
| Sussex, Delaware | 23 | $ 1,716,000 | $ 74,608 | $ 58,000 |
| Calvert, Maryland | 23 | $ 1,582,000 | $ 68,782 | $ 117,000 |
| Washington, Oregon | 23 | $ 3,277,000 | $ 142,478 | $ 0 |
| Fulton, Pennsylvania | 23 | $ 1,455,000 | $ 63,260 | $ 35,000 |
| Bergen, New Jersey | 22 | $ 6,436,000 | $ 292,545 | $ 0 |
| Monmouth, New Jersey | 22 | $ 6,530,000 | $ 296,818 | $ 0 |
| Union, Ohio | 22 | $ 4,391,000 | $ 199,590 | $ 0 |
| Huntingdon, Pennsylvania | 22 | $ 2,107,000 | $ 95,772 | $ 28,000 |
| Pike, Pennsylvania | 22 | $ 2,278,000 | $ 103,545 | $ 292,000 |
| St. Mary's, Maryland | 21 | $ 1,341,000 | $ 63,857 | $ 106,000 |
| Multnomah, Oregon | 21 | $ 3,265,000 | $ 155,476 | $ 0 |
| Clackamas, Oregon | 20 | $ 3,259,000 | $ 162,950 | $ 0 |
| Middlesex, New Jersey | 19 | $ 3,773,000 | $ 198,578 | $ 0 |
| Chemung, New York | 19 | $ 619,000 | $ 32,578 | $ 31,000 |
| Washington, New York | 19 | $ 2,111,000 | $ 111,105 | $ 11,000 |
| Douglas, Colorado | 18 | $ 6,019,000 | $ 334,388 | $ 0 |
| Burlington, New Jersey | 18 | $ 2,762,000 | $ 153,444 | $ 14,000 |
| Ocean, New Jersey | 18 | $ 4,004,000 | $ 222,444 | $ 0 |
| Passaic, New Jersey | 18 | $ 3,779,000 | $ 209,944 | $ 0 |
| Greene, New York | 18 | $ 1,842,000 | $ 102,333 | $ 248,000 |
| Cambria, Pennsylvania | 18 | $ 608,000 | $ 33,777 | $ 25,000 |
| Worcester, Maryland | 17 | $ 1,858,000 | $ 109,294 | $ 52,000 |
| Bristol, Massachusetts | 17 | $ 3,247,000 | $ 191,000 | $ 0 |
| Tioga, Pennsylvania | 17 | $ 972,000 | $ 57,176 | $ 19,000 |
| Berkeley, West Virginia | 17 | $ 987,000 | $ 58,058 | $ 54,000 |
| Ada, Idaho | 16 | $ 2,181,000 | $ 136,312 | $ 0 |
| Hudson, New Jersey | 16 | $ 3,478,000 | $ 217,375 | $ 0 |
| Chenango, New York | 16 | $ 801,000 | $ 50,062 | $ 9,000 |
| Schoharie, New York | 16 | $ 1,467,000 | $ 91,687 | $ 3,000 |
| Snohomish, Washington | 16 | $ 2,713,000 | $ 169,562 | $ 0 |
| Arapahoe, Colorado | 15 | $ 2,866,000 | $ 191,066 | $ 0 |
| Cecil, Maryland | 15 | $ 1,180,000 | $ 78,666 | $ 70,000 |
| Mercer, New Jersey | 15 | $ 3,233,000 | $ 215,533 | $ 0 |
| Fulton, New York | 15 | $ 1,543,000 | $ 102,866 | $ 5,000 |
| Fairfield, Ohio | 15 | $ 3,522,000 | $ 234,800 | $ 0 |
| Essex, Massachusetts | 14 | $ 2,695,000 | $ 192,500 | $ 0 |
| Delaware, New York | 14 | $ 1,178,000 | $ 84,142 | $ 38,000 |
| Susquehanna, Pennsylvania | 14 | $ 951,000 | $ 67,928 | $ 15,000 |
| Suffolk, Massachusetts | 13 | $ 2,561,000 | $ 197,000 | $ 0 |
| Franklin, New York | 13 | $ 1,048,000 | $ 80,615 | $ 2,000 |
| Allegheny, Pennsylvania | 13 | $ 1,148,000 | $ 88,307 | $ 20,000 |
| Cache, Utah | 13 | $ 1,754,000 | $ 134,923 | $ 0 |
| New London, Connecticut | 12 | $ 1,725,000 | $ 143,750 | $ 0 |
| New Castle, Delaware | 12 | $ 1,906,000 | $ 158,833 | $ 0 |
| Marion, Oregon | 12 | $ 1,192,000 | $ 99,333 | $ 0 |
| Hampshire, West Virginia | 12 | $ 612,000 | $ 51,000 | $ 42,000 |
| Madison, Ohio | 11 | $ 1,826,000 | $ 166,000 | $ 0 |
| Wayne, Pennsylvania | 11 | $ 614,000 | $ 55,818 | $ 23,000 |
| Clark, Washington | 11 | $ 1,921,000 | $ 174,636 | $ 0 |
| Pierce, Washington | 11 | $ 1,362,000 | $ 123,818 | $ 0 |
| Caroline, Maryland | 10 | $ 810,000 | $ 81,000 | $ 64,000 |
| Queen Anne's, Maryland | 10 | $ 431,000 | $ 43,100 | $ 47,000 |
| Essex, New York | 10 | $ 1,732,000 | $ 173,200 | $ 0 |
| Montgomery, New York | 10 | $ 761,000 | $ 76,100 | $ 14,000 |
| Butler, Pennsylvania | 10 | $ 1,705,000 | $ 170,500 | $ 60,000 |
| Gila, Arizona | 9 | $ 1,371,000 | $ 152,333 | $ 0 |
| Jefferson, Colorado | 9 | $ 1,679,000 | $ 186,555 | $ 0 |
| Somerset, New Jersey | 9 | $ 2,641,000 | $ 293,444 | $ 80,000 |
| Jefferson, New York | 9 | $ 1,087,000 | $ 120,777 | $ 62,000 |
| Adams, Colorado | 8 | $ 1,380,000 | $ 172,500 | $ 0 |
| Camden, New Jersey | 8 | $ 989,000 | $ 123,625 | $ 0 |
| Cape May, New Jersey | 8 | $ 1,800,000 | $ 225,000 | $ 9,000 |
| Essex, New Jersey | 8 | $ 1,363,000 | $ 170,375 | $ 0 |
| Pickaway, Ohio | 8 | $ 1,313,000 | $ 164,125 | $ 0 |
| Juniata, Pennsylvania | 8 | $ 377,000 | $ 47,125 | $ 52,000 |
| Somerset, Pennsylvania | 8 | $ 706,000 | $ 88,250 | $ 41,000 |
| Washington, Pennsylvania | 8 | $ 1,273,000 | $ 159,125 | $ 22,000 |
| Westmoreland, Pennsylvania | 8 | $ 877,000 | $ 109,625 | $ 0 |
| Loudoun, Virginia | 8 | $ 1,114,000 | $ 139,250 | $ 64,000 |
| Morgan, West Virginia | 8 | $ 272,000 | $ 34,000 | $ 50,000 |
| Riverside, California | 7 | $ 1,090,000 | $ 155,714 | $ 0 |
| Larimer, Colorado | 7 | $ 1,441,000 | $ 205,857 | $ 0 |
| Worcester, Massachusetts | 7 | $ 1,671,000 | $ 238,714 | $ 0 |
| Douglas, Nevada | 7 | $ 2,011,000 | $ 287,285 | $ 0 |
| Morris, New Jersey | 7 | $ 1,524,000 | $ 217,714 | $ 0 |
| Union, New Jersey | 7 | $ 1,482,000 | $ 211,714 | $ 0 |
| Seneca, New York | 7 | $ 674,000 | $ 96,285 | $ 60,000 |
| Yates, New York | 7 | $ 445,000 | $ 63,571 | $ 19,000 |
| Utah, Utah | 7 | $ 1,189,000 | $ 169,857 | $ 0 |
| Cowlitz, Washington | 7 | $ 802,000 | $ 114,571 | $ 0 |
| Preston, West Virginia | 7 | $ 344,000 | $ 49,142 | $ 7,000 |
| Denver, Colorado | 6 | $ 1,651,000 | $ 275,166 | $ 0 |
| Weld, Colorado | 6 | $ 911,000 | $ 151,833 | $ 0 |
| Tolland, Connecticut | 6 | $ 1,388,000 | $ 231,333 | $ 0 |
| Barnstable, Massachusetts | 6 | $ 1,266,000 | $ 211,000 | $ 0 |
| Gloucester, New Jersey | 6 | $ 1,172,000 | $ 195,333 | $ 8,000 |
| Schuyler, New York | 6 | $ 393,000 | $ 65,500 | $ 9,000 |
| Summit, Ohio | 6 | $ 526,000 | $ 87,666 | $ 0 |
| Morrow, Oregon | 6 | $ 469,000 | $ 78,166 | $ 0 |
| Boulder, Colorado | 5 | $ 1,175,000 | $ 235,000 | $ 0 |
| Kent, Delaware | 5 | $ 614,000 | $ 122,800 | $ 0 |
| Atlantic, New Jersey | 5 | $ 878,000 | $ 175,600 | $ 0 |
| Herkimer, New York | 5 | $ 625,000 | $ 125,000 | $ 7,000 |
| St. Lawrence, New York | 5 | $ 449,000 | $ 89,800 | $ 0 |
| Knox, Ohio | 5 | $ 726,000 | $ 145,200 | $ 0 |
| Perry, Ohio | 5 | $ 841,000 | $ 168,200 | $ 14,000 |
| Tuscarawas, Ohio | 5 | $ 166,000 | $ 33,200 | $ 38,000 |
| Columbia, Oregon | 5 | $ 933,000 | $ 186,600 | $ 0 |
| Fauquier, Virginia | 5 | $ 1,201,000 | $ 240,200 | $ 68,000 |
| Stafford, Virginia | 5 | $ 882,000 | $ 176,400 | $ 52,000 |
| Kitsap, Washington | 5 | $ 943,000 | $ 188,600 | $ 0 |
| Somerset, Maryland | 4 | $ 280,000 | $ 70,000 | $ 46,000 |
| Hampden, Massachusetts | 4 | $ 460,000 | $ 115,000 | $ 0 |
| Beaver, Pennsylvania | 4 | $ 431,000 | $ 107,750 | $ 0 |
| Erie, Pennsylvania | 4 | $ 380,000 | $ 95,000 | $ 44,000 |
| Weber, Utah | 4 | $ 597,000 | $ 149,250 | $ 0 |
| Windham, Vermont | 4 | $ 773,000 | $ 193,250 | $ 0 |
| Spotsylvania, Virginia | 4 | $ 834,000 | $ 208,500 | $ 18,000 |
| Jefferson, West Virginia | 4 | $ 291,000 | $ 72,750 | $ 77,000 |
| El Paso, Colorado | 3 | $ 543,000 | $ 181,000 | $ 0 |
| Gilpin, Colorado | 3 | $ 424,000 | $ 141,333 | $ 0 |
| Summit, Colorado | 3 | $ 580,000 | $ 193,333 | $ 0 |
| Windham, Connecticut | 3 | $ 381,000 | $ 127,000 | $ 0 |
| Palm Beach, Florida | 3 | $ 592,000 | $ 197,333 | $ 0 |
| St. Lucie, Florida | 3 | $ 253,000 | $ 84,333 | $ 0 |
| Bonneville, Idaho | 3 | $ 355,000 | $ 118,333 | $ 0 |
| Cumberland, Maine | 3 | $ 560,000 | $ 186,666 | $ 0 |
| York, Maine | 3 | $ 706,000 | $ 235,333 | $ 0 |
| Dorchester, Maryland | 3 | $ 120,000 | $ 40,000 | $ 28,000 |
| Talbot, Maryland | 3 | $ 74,000 | $ 24,666 | $ 283,000 |
| Carroll, New Hampshire | 3 | $ 425,000 | $ 141,666 | $ 0 |
| Sussex, New Jersey | 3 | $ 516,000 | $ 172,000 | $ 0 |
| Warren, New Jersey | 3 | $ 696,000 | $ 232,000 | $ 0 |
| Greene, Ohio | 3 | $ 428,000 | $ 142,666 | $ 0 |
| Marion, Ohio | 3 | $ 404,000 | $ 134,666 | $ 0 |
| Medina, Ohio | 3 | $ 371,000 | $ 123,666 | $ 0 |
| Montgomery, Ohio | 3 | $ 395,000 | $ 131,666 | $ 0 |
| Muskingum, Ohio | 3 | $ 392,000 | $ 130,666 | $ 0 |
| Polk, Oregon | 3 | $ 605,000 | $ 201,666 | $ 0 |
| Umatilla, Oregon | 3 | $ 487,000 | $ 162,333 | $ 0 |
| Crawford, Pennsylvania | 3 | $ 619,000 | $ 206,333 | $ 0 |
| Elk, Pennsylvania | 3 | $ 373,000 | $ 124,333 | $ 0 |
| Indiana, Pennsylvania | 3 | $ 87,000 | $ 29,000 | $ 48,000 |
| Jefferson, Pennsylvania | 3 | $ 164,000 | $ 54,666 | $ 37,000 |
| Potter, Pennsylvania | 3 | $ 490,000 | $ 163,333 | $ 0 |
| Providence, Rhode Island | 3 | $ 362,000 | $ 120,666 | $ 0 |
| Tooele, Utah | 3 | $ 318,000 | $ 106,000 | $ 0 |
| Island, Washington | 3 | $ 663,000 | $ 221,000 | $ 0 |
| San Bernardino, California | 2 | $ 243,000 | $ 121,500 | $ 0 |
| Eagle, Colorado | 2 | $ 588,000 | $ 294,000 | $ 0 |
| Collier, Florida | 2 | $ 314,000 | $ 157,000 | $ 0 |
| Lee, Florida | 2 | $ 126,000 | $ 63,000 | $ 0 |
| Martin, Florida | 2 | $ 345,000 | $ 172,500 | $ 0 |
| Bingham, Idaho | 2 | $ 98,000 | $ 49,000 | $ 0 |
| Canyon, Idaho | 2 | $ 182,000 | $ 91,000 | $ 0 |
| Madison, Idaho | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Berkshire, Massachusetts | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Rockingham, New Hampshire | 2 | $ 376,000 | $ 188,000 | $ 0 |
| Bernalillo, New Mexico | 2 | $ 542,000 | $ 271,000 | $ 0 |
| Lewis, New York | 2 | $ 137,000 | $ 68,500 | $ 26,000 |
| Forsyth, North Carolina | 2 | $ 552,000 | $ 276,000 | $ 0 |
| Butler, Ohio | 2 | $ 389,000 | $ 194,500 | $ 0 |
| Champaign, Ohio | 2 | $ 343,000 | $ 171,500 | $ 0 |
| Clark, Ohio | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Coshocton, Ohio | 2 | $ 49,000 | $ 24,500 | $ 43,000 |
| Cuyahoga, Ohio | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Guernsey, Ohio | 2 | $ 234,000 | $ 117,000 | $ 0 |
| Hamilton, Ohio | 2 | $ 528,000 | $ 264,000 | $ 0 |
| Ross, Ohio | 2 | $ 377,000 | $ 188,500 | $ 0 |
| Stark, Ohio | 2 | $ 260,000 | $ 130,000 | $ 5,000 |
| Warren, Ohio | 2 | $ 252,000 | $ 126,000 | $ 0 |
| Wayne, Ohio | 2 | $ 206,000 | $ 103,000 | $ 0 |
| Wood, Ohio | 2 | $ 351,000 | $ 175,500 | $ 0 |
| Crook, Oregon | 2 | $ 321,000 | $ 160,500 | $ 0 |
| Deschutes, Oregon | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Gilliam, Oregon | 2 | $ 143,000 | $ 71,500 | $ 0 |
| Jackson, Oregon | 2 | $ 184,000 | $ 92,000 | $ 0 |
| Lane, Oregon | 2 | $ 372,000 | $ 186,000 | $ 0 |
| Lincoln, Oregon | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Wheeler, Oregon | 2 | $ 127,000 | $ 63,500 | $ 0 |
| Lawrence, Pennsylvania | 2 | $ 285,000 | $ 142,500 | $ 0 |
| Venango, Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Washington, Rhode Island | 2 | $ 365,000 | $ 182,500 | $ 0 |
| Lexington, South Carolina | 2 | $ 185,000 | $ 92,500 | $ 0 |
| Washington, Utah | 2 | $ 389,000 | $ 194,500 | $ 0 |
| Bennington, Vermont | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Fluvanna, Virginia | 2 | $ 261,000 | $ 130,500 | $ 0 |
| Manassas, Virginia | 2 | $ 736,000 | $ 368,000 | $ 0 |
| Benton, Washington | 2 | $ 185,000 | $ 92,500 | $ 0 |
| Franklin, Washington | 2 | $ 124,000 | $ 62,000 | $ 0 |
| Mason, Washington | 2 | $ 299,000 | $ 149,500 | $ 0 |
| Pacific, Washington | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Thurston, Washington | 2 | $ 451,000 | $ 225,500 | $ 0 |
| Grant, West Virginia | 2 | $ 112,000 | $ 56,000 | $ 17,000 |
| Manitowoc, Wisconsin | 2 | $ 305,000 | $ 152,500 | $ 0 |
| Colbert, Alabama | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Madison, Alabama | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Mobile, Alabama | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Apache, Arizona | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Navajo, Arizona | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sebastian, Arkansas | 1 | $ 319,000 | $ 319,000 | $ 0 |
| Alameda, California | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Butte, California | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| El Dorado, California | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Fresno, California | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Los Angeles, California | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Mono, California | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Orange, California | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Sacramento, California | 1 | $ 244,000 | $ 244,000 | $ 0 |
| San Diego, California | 1 | $ 647,000 | $ 647,000 | $ 0 |
| Santa Barbara, California | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Ventura, California | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Clear Creek, Colorado | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Elbert, Colorado | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Mesa, Colorado | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Morgan, Colorado | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Routt, Colorado | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Saguache, Colorado | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Teller, Colorado | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Alachua, Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Broward, Florida | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Flagler, Florida | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Lake, Florida | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Orange, Florida | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Osceola, Florida | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Polk, Florida | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Union, Florida | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Volusia, Florida | 1 | $ 112,000 | $ 112,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 18,000 | $ 18,000 | $ 50,000 |
| Heard, Georgia | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Newton, Georgia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Walton, Georgia | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Bannock, Idaho | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Bear Lake, Idaho | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Blaine, Idaho | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Caribou, Idaho | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Jerome, Idaho | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Twin Falls, Idaho | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Valley, Idaho | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Kane, Illinois | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Delaware, Indiana | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Hendricks, Indiana | 1 | $ 38,000 | $ 38,000 | $ 43,000 |
| Henry, Indiana | 1 | $ 18,000 | $ 18,000 | $ 84,000 |
| Johnson, Indiana | 1 | $ 23,000 | $ 23,000 | $ 40,000 |
| Madison, Indiana | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Marion, Indiana | 1 | $ 21,000 | $ 21,000 | $ 24,000 |
| Muhlenberg, Kentucky | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Whitley, Kentucky | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Cameron, Louisiana | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Kennebec, Maine | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lincoln, Maine | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Somerset, Maine | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Kent, Maryland | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Dukes, Massachusetts | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Franklin, Massachusetts | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Hampshire, Massachusetts | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Antrim, Michigan | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Kent, Michigan | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Livingston, Michigan | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Macomb, Michigan | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Oakland, Michigan | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Van Buren, Michigan | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Pine, Minnesota | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Tallahatchie, Mississippi | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Washington, Mississippi | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Holt, Missouri | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Sarpy, Nebraska | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Clark, Nevada | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Lyon, Nevada | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Washoe, Nevada | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Merrimack, New Hampshire | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Cumberland, New Jersey | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hunterdon, New Jersey | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Hamilton, New York | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Caldwell, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Currituck, North Carolina | 1 | $ 47,000 | $ 47,000 | $ 74,000 |
| Davie, North Carolina | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Graham, North Carolina | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Haywood, North Carolina | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 0 |
| McDowell, North Carolina | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Stanly, North Carolina | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Wake, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Watauga, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Ashtabula, Ohio | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Clermont, Ohio | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Fayette, Ohio | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Harrison, Ohio | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Holmes, Ohio | 1 | $ 21,000 | $ 21,000 | $ 26,000 |
| Miami, Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Morrow, Ohio | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Noble, Ohio | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Ottawa, Ohio | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Portage, Ohio | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Wyandot, Ohio | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Baker, Oregon | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Benton, Oregon | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Clatsop, Oregon | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Coos, Oregon | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Douglas, Oregon | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Hood River, Oregon | 1 | $ 301,000 | $ 301,000 | $ 0 |
| Jefferson, Oregon | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Klamath, Oregon | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Linn, Oregon | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Malheur, Oregon | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Tillamook, Oregon | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Yamhill, Oregon | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Armstrong, Pennsylvania | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Clarion, Pennsylvania | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Fayette, Pennsylvania | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Greene, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Warren, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Bristol, Rhode Island | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Kent, Rhode Island | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Chesterfield, South Carolina | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Horry, South Carolina | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Pickens, South Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| York, South Carolina | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Cocke, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 18,000 |
| Marion, Tennessee | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Unicoi, Tennessee | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Bexar, Texas | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Parker, Texas | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Smith, Texas | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Tarrant, Texas | 1 | $ 301,000 | $ 301,000 | $ 0 |
| Box Elder, Utah | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Morgan, Utah | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Summit, Utah | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Chittenden, Vermont | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Rutland, Vermont | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Windsor, Vermont | 1 | $ 5,000 | $ 5,000 | $ 25,000 |
| Accomack, Virginia | 1 | $ 70,000 | $ 70,000 | $ 41,000 |
| Arlington, Virginia | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Caroline, Virginia | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Chesapeake, Virginia | 1 | $ 10,000 | $ 10,000 | $ 152,000 |
| Chesterfield, Virginia | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Goochland, Virginia | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Henrico, Virginia | 1 | $ 5,000 | $ 5,000 | $ 26,000 |
| James City, Virginia | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Louisa, Virginia | 1 | $ 110,000 | $ 110,000 | $ 0 |
| New Kent, Virginia | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Norfolk, Virginia | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Richmond City, Virginia | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Rockingham, Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Westmoreland, Virginia | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Klickitat, Washington | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Spokane, Washington | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Barbour, West Virginia | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Harrison, West Virginia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Jackson, West Virginia | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Kanawha, West Virginia | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Kenosha, Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Natrona, Wyoming | 1 | $ 164,000 | $ 164,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 11,400 | $1,382,733,000 | $157,578 | $5,000,000 | $15,921 | $9,999,000 |
| Home Purchase (one-to-four family) | 4,928 | $567,537,000 | $184,657 | $1,167,000 | $26,078 | $9,999,000 |
| Home Improvement (one-to-four family) | 3,140 | $58,469,000 | $19,900 | $400,000 | $76,400 | $8,580,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 57 | $134,720,000 | $3,428,333 | $16,400,000 | $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 | 11,305 | $1,781,726,000 | $184,930 | $16,400,000 | $19,720 | $9,999,000 |
| White | 6,559 | $304,107,000 | $50,230 | $2,400,000 | $230,615 | $9,999,000 |
| Information not provided by applicant in mail or telephone application | 719 | $26,565,000 | $30,555 | $750,000 | $99,222 | $4,530,000 |
| Black | 479 | $13,646,000 | $28,888 | $249,000 | $51,333 | $1,342,000 |
| Hispanic | 159 | $3,927,000 | $28,285 | $171,000 | $51,285 | $1,957,000 |
| Other | 114 | $4,435,000 | $44,200 | $508,000 | $79,800 | $735,000 |
| Asian or Pacific Islander | 101 | $6,079,000 | $61,000 | $1,100,000 | $90,333 | $912,000 |
| American Indian or Alaskan Native | 89 | $2,974,000 | $43,666 | $164,000 | $41,666 | $695,000 |
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) | 19,402 | $2,127,774,000 | $169,209 | $16,400,000 | $17,372 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 115 | $14,719,000 | $141,250 | $271,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 8 | $966,000 | $133,000 | $211,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 11,220 | $1,645,855,000 | $182,116 | $5,000,000 | $0 | $0 |
| Loan Originated | 4,178 | $334,760,000 | $67,777 | $16,400,000 | $131,111 | $9,999,000 |
| Application Denied By Financial Institution | 3,374 | $126,195,000 | $34,625 | $475,000 | $130,875 | $5,464,000 |
| Application Approved But Not Accepted | 624 | $31,911,000 | $59,857 | $429,000 | $105,857 | $8,580,000 |
| File Closed For Incompleteness | 107 | $1,889,000 | $16,000 | $220,000 | $141,750 | $6,025,000 |
| Application Withdrawn By Applicant | 22 | $2,849,000 | $245,333 | $500,000 | $105,333 | $600,000 |
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 2003 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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