M&T Bank Mortgage Lending & HMDA Data, 2004
In 2004, M&T Bank of Buffalo, NY reported 13,296 mortgage applications totaling $1.3 billion, down 32% from 2003. The average application was for $101,076, and applicants reported an average income of $55,521. 29% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Buffalo-Niagara Falls, NY (1,273), York-Hanover, PA (961) and Baltimore-Towson, MD (846) (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 | 13,296 |
| Total Mortgage Loan Application Amount | $1,343,917,000 |
| Average Mortgage Loan Application Amount | $101,076 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $55,521 |
| Highest Applicant Income | $3,900,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,069 | $ 74,417,000 | $ 69,613 | $ 44,000 |
| York, Pennsylvania | 961 | $ 69,202,000 | $ 72,010 | $ 57,000 |
| Luzerne, Pennsylvania | 516 | $ 33,474,000 | $ 64,872 | $ 52,000 |
| Monroe, New York | 448 | $ 29,299,000 | $ 65,399 | $ 101,000 |
| Berks, Pennsylvania | 428 | $ 26,801,000 | $ 62,619 | $ 42,000 |
| Dauphin, Pennsylvania | 422 | $ 24,927,000 | $ 59,068 | $ 52,000 |
| Franklin, Pennsylvania | 390 | $ 28,264,000 | $ 72,471 | $ 59,000 |
| Onondaga, New York | 360 | $ 21,809,000 | $ 60,580 | $ 82,000 |
| Cumberland, Pennsylvania | 329 | $ 25,327,000 | $ 76,981 | $ 55,000 |
| Blair, Pennsylvania | 327 | $ 18,521,000 | $ 56,639 | $ 38,000 |
| Lycoming, Pennsylvania | 296 | $ 17,561,000 | $ 59,327 | $ 36,000 |
| Baltimore, Maryland | 287 | $ 31,114,000 | $ 108,411 | $ 88,000 |
| Bradford, Pennsylvania | 270 | $ 14,776,000 | $ 54,725 | $ 48,000 |
| Lancaster, Pennsylvania | 264 | $ 22,681,000 | $ 85,912 | $ 89,000 |
| Schuylkill, Pennsylvania | 242 | $ 11,679,000 | $ 48,260 | $ 42,000 |
| Baltimore City, Maryland | 231 | $ 15,972,000 | $ 69,142 | $ 49,000 |
| Niagara, New York | 204 | $ 12,542,000 | $ 61,480 | $ 109,000 |
| Centre, Pennsylvania | 190 | $ 16,597,000 | $ 87,352 | $ 45,000 |
| Allegany, Maryland | 172 | $ 7,415,000 | $ 43,110 | $ 44,000 |
| Orange, New York | 162 | $ 26,360,000 | $ 162,716 | $ 74,000 |
| Northumberland, Pennsylvania | 156 | $ 8,291,000 | $ 53,147 | $ 40,000 |
| Lebanon, Pennsylvania | 147 | $ 10,712,000 | $ 72,870 | $ 56,000 |
| Dutchess, New York | 140 | $ 19,558,000 | $ 139,700 | $ 114,000 |
| Anne Arundel, Maryland | 138 | $ 9,377,000 | $ 67,949 | $ 80,000 |
| Washington, Maryland | 122 | $ 8,697,000 | $ 71,286 | $ 47,000 |
| Broome, New York | 117 | $ 4,903,000 | $ 41,905 | $ 55,000 |
| Adams, Pennsylvania | 113 | $ 8,360,000 | $ 73,982 | $ 46,000 |
| Bedford, Pennsylvania | 112 | $ 6,919,000 | $ 61,776 | $ 39,000 |
| Prince George's, Maryland | 102 | $ 7,969,000 | $ 78,127 | $ 106,000 |
| Lehigh, Pennsylvania | 101 | $ 9,793,000 | $ 96,960 | $ 70,000 |
| Snyder, Pennsylvania | 99 | $ 5,231,000 | $ 52,838 | $ 59,000 |
| Cattaraugus, New York | 93 | $ 2,820,000 | $ 30,322 | $ 45,000 |
| Clearfield, Pennsylvania | 90 | $ 3,246,000 | $ 36,066 | $ 52,000 |
| Union, Pennsylvania | 88 | $ 7,522,000 | $ 85,477 | $ 70,000 |
| Clinton, Pennsylvania | 87 | $ 4,151,000 | $ 47,712 | $ 97,000 |
| Suffolk, New York | 85 | $ 32,064,000 | $ 377,223 | $ 266,000 |
| Chautauqua, New York | 83 | $ 3,701,000 | $ 44,590 | $ 44,000 |
| Harford, Maryland | 82 | $ 4,924,000 | $ 60,048 | $ 67,000 |
| Mineral, West Virginia | 79 | $ 4,497,000 | $ 56,924 | $ 38,000 |
| Columbia, Pennsylvania | 78 | $ 4,074,000 | $ 52,230 | $ 42,000 |
| Oneida, New York | 77 | $ 4,111,000 | $ 53,389 | $ 43,000 |
| Frederick, Maryland | 75 | $ 8,262,000 | $ 110,160 | $ 65,000 |
| Ulster, New York | 73 | $ 6,696,000 | $ 91,726 | $ 46,000 |
| Philadelphia, Pennsylvania | 73 | $ 4,689,000 | $ 64,232 | $ 50,000 |
| Montgomery, Maryland | 71 | $ 14,026,000 | $ 197,549 | $ 88,000 |
| Westchester, New York | 70 | $ 23,793,000 | $ 339,900 | $ 44,000 |
| Genesee, New York | 66 | $ 3,235,000 | $ 49,015 | $ 50,000 |
| Albany, New York | 64 | $ 8,364,000 | $ 130,687 | $ 29,000 |
| Montgomery, Pennsylvania | 63 | $ 8,153,000 | $ 129,412 | $ 60,000 |
| District of Columbia, District Of Columbia | 59 | $ 8,477,000 | $ 143,677 | $ 77,000 |
| Bucks, Pennsylvania | 58 | $ 30,040,000 | $ 517,931 | $ 58,000 |
| Chester, Pennsylvania | 55 | $ 5,609,000 | $ 101,981 | $ 56,000 |
| Cayuga, New York | 53 | $ 2,277,000 | $ 42,962 | $ 54,000 |
| Carbon, Pennsylvania | 53 | $ 2,949,000 | $ 55,641 | $ 43,000 |
| Wicomico, Maryland | 52 | $ 3,018,000 | $ 58,038 | $ 68,000 |
| Saratoga, New York | 52 | $ 7,952,000 | $ 152,923 | $ 50,000 |
| Carroll, Maryland | 50 | $ 3,488,000 | $ 69,760 | $ 68,000 |
| Kings, New York | 50 | $ 7,814,000 | $ 156,280 | $ 73,000 |
| Northampton, Pennsylvania | 50 | $ 3,757,000 | $ 75,140 | $ 49,000 |
| Prince William, Virginia | 50 | $ 15,565,000 | $ 311,300 | $ 33,000 |
| Ontario, New York | 46 | $ 5,171,000 | $ 112,413 | $ 55,000 |
| Rensselaer, New York | 46 | $ 4,063,000 | $ 88,326 | $ 47,000 |
| Nassau, New York | 44 | $ 9,014,000 | $ 204,863 | $ 63,000 |
| Charles, Maryland | 43 | $ 2,545,000 | $ 59,186 | $ 159,000 |
| Lackawanna, Pennsylvania | 43 | $ 3,178,000 | $ 73,906 | $ 45,000 |
| Fairfax, Virginia | 43 | $ 13,648,000 | $ 317,395 | $ 50,000 |
| Calvert, Maryland | 42 | $ 5,526,000 | $ 131,571 | $ 55,000 |
| Tioga, New York | 42 | $ 1,623,000 | $ 38,642 | $ 40,000 |
| Delaware, Pennsylvania | 42 | $ 3,102,000 | $ 73,857 | $ 45,000 |
| Perry, Pennsylvania | 41 | $ 2,398,000 | $ 58,487 | $ 42,000 |
| Garrett, Maryland | 40 | $ 2,277,000 | $ 56,925 | $ 31,000 |
| Wyoming, New York | 40 | $ 2,195,000 | $ 54,875 | $ 40,000 |
| Spotsylvania, Virginia | 40 | $ 9,822,000 | $ 245,550 | $ 0 |
| Sussex, Delaware | 39 | $ 4,782,000 | $ 122,615 | $ 28,000 |
| Oswego, New York | 39 | $ 1,484,000 | $ 38,051 | $ 58,000 |
| Howard, Maryland | 38 | $ 4,534,000 | $ 119,315 | $ 177,000 |
| Stafford, Virginia | 36 | $ 11,077,000 | $ 307,694 | $ 60,000 |
| Allegany, New York | 34 | $ 1,249,000 | $ 36,735 | $ 39,000 |
| New York, New York | 33 | $ 112,983,000 | $ 3,423,727 | $ 106,000 |
| Orleans, New York | 32 | $ 1,098,000 | $ 34,312 | $ 39,000 |
| Steuben, New York | 32 | $ 1,093,000 | $ 34,156 | $ 34,000 |
| Tompkins, New York | 32 | $ 3,239,000 | $ 101,218 | $ 52,000 |
| Livingston, New York | 31 | $ 2,012,000 | $ 64,903 | $ 30,000 |
| Queens, New York | 30 | $ 4,754,000 | $ 158,466 | $ 66,000 |
| Schenectady, New York | 30 | $ 4,207,000 | $ 140,233 | $ 37,000 |
| Wayne, New York | 29 | $ 1,429,000 | $ 49,275 | $ 40,000 |
| Sullivan, Pennsylvania | 28 | $ 1,595,000 | $ 56,964 | $ 46,000 |
| Clinton, New York | 27 | $ 3,232,000 | $ 119,703 | $ 11,000 |
| Putnam, New York | 26 | $ 5,261,000 | $ 202,346 | $ 57,000 |
| Richmond, New York | 26 | $ 5,522,000 | $ 212,384 | $ 33,000 |
| Delaware, Ohio | 26 | $ 5,449,000 | $ 209,576 | $ 0 |
| Arlington, Virginia | 26 | $ 8,365,000 | $ 321,730 | $ 0 |
| Cambria, Pennsylvania | 25 | $ 1,023,000 | $ 40,920 | $ 48,000 |
| Loudoun, Virginia | 25 | $ 9,767,000 | $ 390,680 | $ 44,000 |
| Worcester, Maryland | 24 | $ 2,177,000 | $ 90,708 | $ 52,000 |
| Madison, New York | 23 | $ 1,144,000 | $ 49,739 | $ 43,000 |
| Mifflin, Pennsylvania | 23 | $ 1,038,000 | $ 45,130 | $ 39,000 |
| Cecil, Maryland | 22 | $ 1,471,000 | $ 66,863 | $ 70,000 |
| Tioga, Pennsylvania | 22 | $ 1,490,000 | $ 67,727 | $ 36,000 |
| Rockland, New York | 21 | $ 4,248,000 | $ 202,285 | $ 57,000 |
| Monroe, Pennsylvania | 21 | $ 1,862,000 | $ 88,666 | $ 52,000 |
| Queen Anne's, Maryland | 20 | $ 2,251,000 | $ 112,550 | $ 64,000 |
| Sullivan, New York | 20 | $ 1,945,000 | $ 97,250 | $ 44,000 |
| St. Mary's, Maryland | 19 | $ 821,000 | $ 43,210 | $ 63,000 |
| Franklin, Ohio | 19 | $ 4,059,000 | $ 213,631 | $ 26,000 |
| Montour, Pennsylvania | 19 | $ 1,228,000 | $ 64,631 | $ 63,000 |
| King, Washington | 19 | $ 5,505,000 | $ 289,736 | $ 0 |
| Chemung, New York | 17 | $ 1,233,000 | $ 72,529 | $ 131,000 |
| Licking, Ohio | 17 | $ 4,196,000 | $ 246,823 | $ 9,000 |
| Cortland, New York | 16 | $ 421,000 | $ 26,312 | $ 44,000 |
| Greene, New York | 15 | $ 1,569,000 | $ 104,600 | $ 21,000 |
| Susquehanna, Pennsylvania | 15 | $ 910,000 | $ 60,666 | $ 80,000 |
| Wyoming, Pennsylvania | 15 | $ 1,546,000 | $ 103,066 | $ 101,000 |
| Riverside, California | 14 | $ 3,356,000 | $ 239,714 | $ 0 |
| Columbia, New York | 14 | $ 705,000 | $ 50,357 | $ 29,000 |
| Union, Ohio | 14 | $ 2,593,000 | $ 185,214 | $ 0 |
| Mercer, New Jersey | 13 | $ 3,135,000 | $ 241,153 | $ 6,000 |
| Salt Lake, Utah | 13 | $ 3,127,000 | $ 240,538 | $ 0 |
| Berkeley, West Virginia | 13 | $ 674,000 | $ 51,846 | $ 49,000 |
| Allegheny, Pennsylvania | 12 | $ 1,222,000 | $ 101,833 | $ 37,000 |
| Huntingdon, Pennsylvania | 12 | $ 589,000 | $ 49,083 | $ 36,000 |
| Delaware, New York | 11 | $ 907,000 | $ 82,454 | $ 35,000 |
| Fulton, Pennsylvania | 11 | $ 651,000 | $ 59,181 | $ 75,000 |
| Pike, Pennsylvania | 11 | $ 1,235,000 | $ 112,272 | $ 30,000 |
| New Castle, Delaware | 10 | $ 238,000 | $ 23,800 | $ 43,000 |
| Otsego, New York | 10 | $ 1,390,000 | $ 139,000 | $ 22,000 |
| Seneca, New York | 10 | $ 298,000 | $ 29,800 | $ 22,000 |
| Fairfield, Ohio | 9 | $ 2,064,000 | $ 229,333 | $ 0 |
| Fairfield, Connecticut | 8 | $ 2,227,000 | $ 278,375 | $ 0 |
| Johnson, Indiana | 8 | $ 163,000 | $ 20,375 | $ 17,000 |
| Somerset, Maryland | 8 | $ 292,000 | $ 36,500 | $ 51,000 |
| Hudson, New Jersey | 8 | $ 2,155,000 | $ 269,375 | $ 0 |
| Monmouth, New Jersey | 8 | $ 3,978,000 | $ 497,250 | $ 0 |
| Somerset, New Jersey | 8 | $ 1,563,000 | $ 195,375 | $ 0 |
| Bronx, New York | 8 | $ 1,155,000 | $ 144,375 | $ 29,000 |
| Madison, Ohio | 8 | $ 1,307,000 | $ 163,375 | $ 0 |
| Pickaway, Ohio | 8 | $ 1,889,000 | $ 236,125 | $ 0 |
| Fauquier, Virginia | 8 | $ 2,666,000 | $ 333,250 | $ 0 |
| Clark, Washington | 8 | $ 1,226,000 | $ 153,250 | $ 0 |
| Maricopa, Arizona | 7 | $ 1,547,000 | $ 221,000 | $ 0 |
| Denver, Colorado | 7 | $ 1,638,000 | $ 234,000 | $ 0 |
| Collier, Florida | 7 | $ 2,489,000 | $ 355,571 | $ 0 |
| Caroline, Maryland | 7 | $ 420,000 | $ 60,000 | $ 58,000 |
| Ocean, New Jersey | 7 | $ 1,718,000 | $ 245,428 | $ 25,000 |
| Jefferson, New York | 7 | $ 939,000 | $ 134,142 | $ 293,000 |
| Warren, New York | 7 | $ 2,661,000 | $ 380,142 | $ 7,000 |
| Juniata, Pennsylvania | 7 | $ 302,000 | $ 43,142 | $ 66,000 |
| Wayne, Pennsylvania | 7 | $ 701,000 | $ 100,142 | $ 38,000 |
| Ada, Idaho | 6 | $ 885,000 | $ 147,500 | $ 0 |
| Dorchester, Maryland | 6 | $ 184,000 | $ 30,666 | $ 46,000 |
| Camden, New Jersey | 6 | $ 1,247,000 | $ 207,833 | $ 0 |
| Hunterdon, New Jersey | 6 | $ 1,539,000 | $ 256,500 | $ 0 |
| Essex, New York | 6 | $ 1,270,000 | $ 211,666 | $ 29,000 |
| Multnomah, Oregon | 6 | $ 1,693,000 | $ 282,166 | $ 0 |
| Potter, Pennsylvania | 6 | $ 403,000 | $ 67,166 | $ 38,000 |
| Chesterfield, Virginia | 6 | $ 426,000 | $ 71,000 | $ 33,000 |
| Arapahoe, Colorado | 5 | $ 1,233,000 | $ 246,600 | $ 0 |
| Douglas, Colorado | 5 | $ 1,895,000 | $ 379,000 | $ 0 |
| Litchfield, Connecticut | 5 | $ 4,326,000 | $ 865,200 | $ 123,000 |
| Franklin, New York | 5 | $ 475,000 | $ 95,000 | $ 9,000 |
| Schoharie, New York | 5 | $ 263,000 | $ 52,600 | $ 45,000 |
| Marion, Ohio | 5 | $ 859,000 | $ 171,800 | $ 0 |
| Perry, Ohio | 5 | $ 180,000 | $ 36,000 | $ 36,000 |
| Butler, Pennsylvania | 5 | $ 577,000 | $ 115,400 | $ 0 |
| Somerset, Pennsylvania | 5 | $ 177,000 | $ 35,400 | $ 30,000 |
| Westmoreland, Pennsylvania | 5 | $ 729,000 | $ 145,800 | $ 33,000 |
| Davis, Utah | 5 | $ 1,055,000 | $ 211,000 | $ 0 |
| Manassas, Virginia | 5 | $ 588,000 | $ 117,600 | $ 17,000 |
| Hampshire, West Virginia | 5 | $ 589,000 | $ 117,800 | $ 50,000 |
| Gilpin, Colorado | 4 | $ 1,130,000 | $ 282,500 | $ 0 |
| Lee, Florida | 4 | $ 562,000 | $ 140,500 | $ 0 |
| Orange, Florida | 4 | $ 751,000 | $ 187,750 | $ 0 |
| Atlantic, New Jersey | 4 | $ 2,476,000 | $ 619,000 | $ 0 |
| Bergen, New Jersey | 4 | $ 751,000 | $ 187,750 | $ 0 |
| Burlington, New Jersey | 4 | $ 500,000 | $ 125,000 | $ 114,000 |
| Hamilton, New York | 4 | $ 504,000 | $ 126,000 | $ 19,000 |
| Herkimer, New York | 4 | $ 277,000 | $ 69,250 | $ 33,000 |
| Washington, New York | 4 | $ 544,000 | $ 136,000 | $ 28,000 |
| Morrow, Ohio | 4 | $ 815,000 | $ 203,750 | $ 0 |
| Orange, Virginia | 4 | $ 927,000 | $ 231,750 | $ 11,000 |
| Pierce, Washington | 4 | $ 822,000 | $ 205,500 | $ 0 |
| Hartford, Connecticut | 3 | $ 600,000 | $ 200,000 | $ 0 |
| Kent, Delaware | 3 | $ 189,000 | $ 63,000 | $ 0 |
| Hendricks, Indiana | 3 | $ 56,000 | $ 18,666 | $ 21,000 |
| Marion, Indiana | 3 | $ 65,000 | $ 21,666 | $ 24,000 |
| Cumberland, Maine | 3 | $ 196,000 | $ 65,333 | $ 0 |
| Talbot, Maryland | 3 | $ 269,000 | $ 89,666 | $ 19,000 |
| Douglas, Nevada | 3 | $ 501,000 | $ 167,000 | $ 0 |
| Rockingham, New Hampshire | 3 | $ 988,000 | $ 329,333 | $ 0 |
| Gloucester, New Jersey | 3 | $ 551,000 | $ 183,666 | $ 26,000 |
| Middlesex, New Jersey | 3 | $ 599,000 | $ 199,666 | $ 0 |
| Passaic, New Jersey | 3 | $ 765,000 | $ 255,000 | $ 0 |
| Clark, Ohio | 3 | $ 660,000 | $ 220,000 | $ 0 |
| Knox, Ohio | 3 | $ 262,000 | $ 87,333 | $ 11,000 |
| Logan, Ohio | 3 | $ 574,000 | $ 191,333 | $ 7,000 |
| Clackamas, Oregon | 3 | $ 1,229,000 | $ 409,666 | $ 0 |
| Beaver, Pennsylvania | 3 | $ 41,000 | $ 13,666 | $ 63,000 |
| Jefferson, Pennsylvania | 3 | $ 145,000 | $ 48,333 | $ 21,000 |
| Washington, Pennsylvania | 3 | $ 98,000 | $ 32,666 | $ 25,000 |
| Tooele, Utah | 3 | $ 563,000 | $ 187,666 | $ 0 |
| Washington, Utah | 3 | $ 396,000 | $ 132,000 | $ 0 |
| Caroline, Virginia | 3 | $ 522,000 | $ 174,000 | $ 0 |
| Frederick, Virginia | 3 | $ 1,037,000 | $ 345,666 | $ 1,082,000 |
| King George, Virginia | 3 | $ 796,000 | $ 265,333 | $ 0 |
| Richmond City, Virginia | 3 | $ 17,593,000 | $ 5,864,333 | $ 38,000 |
| Snohomish, Washington | 3 | $ 607,000 | $ 202,333 | $ 0 |
| Jefferson, West Virginia | 3 | $ 338,000 | $ 112,666 | $ 49,000 |
| Preston, West Virginia | 3 | $ 210,000 | $ 70,000 | $ 48,000 |
| Gila, Arizona | 2 | $ 364,000 | $ 182,000 | $ 0 |
| El Dorado, California | 2 | $ 459,000 | $ 229,500 | $ 0 |
| Placer, California | 2 | $ 669,000 | $ 334,500 | $ 0 |
| Boulder, Colorado | 2 | $ 569,000 | $ 284,500 | $ 0 |
| El Paso, Colorado | 2 | $ 577,000 | $ 288,500 | $ 0 |
| New Haven, Connecticut | 2 | $ 275,000 | $ 137,500 | $ 0 |
| New London, Connecticut | 2 | $ 558,000 | $ 279,000 | $ 0 |
| Hillsborough, Florida | 2 | $ 163,000 | $ 81,500 | $ 0 |
| Osceola, Florida | 2 | $ 645,000 | $ 322,500 | $ 0 |
| Pinellas, Florida | 2 | $ 343,000 | $ 171,500 | $ 0 |
| Sarasota, Florida | 2 | $ 722,000 | $ 361,000 | $ 0 |
| St. Johns, Florida | 2 | $ 605,000 | $ 302,500 | $ 0 |
| St. Lucie, Florida | 2 | $ 678,000 | $ 339,000 | $ 0 |
| Valley, Idaho | 2 | $ 182,000 | $ 91,000 | $ 0 |
| Kent, Maryland | 2 | $ 160,000 | $ 80,000 | $ 74,000 |
| Berkshire, Massachusetts | 2 | $ 717,000 | $ 358,500 | $ 0 |
| Dukes, Massachusetts | 2 | $ 1,400,000 | $ 700,000 | $ 0 |
| Franklin, Massachusetts | 2 | $ 168,000 | $ 84,000 | $ 0 |
| Worcester, Massachusetts | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Kent, Michigan | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Lapeer, Michigan | 2 | $ 405,000 | $ 202,500 | $ 0 |
| St. Louis, Missouri | 2 | $ 224,000 | $ 112,000 | $ 0 |
| Lyon, Nevada | 2 | $ 526,000 | $ 263,000 | $ 0 |
| Washoe, Nevada | 2 | $ 403,000 | $ 201,500 | $ 0 |
| Merrimack, New Hampshire | 2 | $ 185,000 | $ 92,500 | $ 0 |
| Strafford, New Hampshire | 2 | $ 143,000 | $ 71,500 | $ 0 |
| Cape May, New Jersey | 2 | $ 134,000 | $ 67,000 | $ 68,000 |
| Cumberland, New Jersey | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Morris, New Jersey | 2 | $ 794,000 | $ 397,000 | $ 0 |
| Chenango, New York | 2 | $ 163,000 | $ 81,500 | $ 8,000 |
| Fulton, New York | 2 | $ 419,000 | $ 209,500 | $ 0 |
| Schuyler, New York | 2 | $ 8,000 | $ 4,000 | $ 29,000 |
| St. Lawrence, New York | 2 | $ 362,000 | $ 181,000 | $ 0 |
| Yates, New York | 2 | $ 5,000 | $ 2,500 | $ 26,000 |
| Carteret, North Carolina | 2 | $ 299,000 | $ 149,500 | $ 0 |
| Butler, Ohio | 2 | $ 97,000 | $ 48,500 | $ 19,000 |
| Erie, Ohio | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Portage, Ohio | 2 | $ 322,000 | $ 161,000 | $ 0 |
| Summit, Ohio | 2 | $ 649,000 | $ 324,500 | $ 0 |
| Wayne, Ohio | 2 | $ 45,000 | $ 22,500 | $ 12,000 |
| Washington, Oregon | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Lawrence, Pennsylvania | 2 | $ 208,000 | $ 104,000 | $ 25,000 |
| McKean, Pennsylvania | 2 | $ 61,000 | $ 30,500 | $ 55,000 |
| Washington, Rhode Island | 2 | $ 1,270,000 | $ 635,000 | $ 0 |
| Utah, Utah | 2 | $ 297,000 | $ 148,500 | $ 0 |
| Goochland, Virginia | 2 | $ 53,000 | $ 26,500 | $ 54,000 |
| Warren, Virginia | 2 | $ 423,000 | $ 211,500 | $ 0 |
| Grays Harbor, Washington | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Pacific, Washington | 2 | $ 239,000 | $ 119,500 | $ 0 |
| San Juan, Washington | 2 | $ 501,000 | $ 250,500 | $ 0 |
| Spokane, Washington | 2 | $ 683,000 | $ 341,500 | $ 0 |
| Hardy, West Virginia | 2 | $ 106,000 | $ 53,000 | $ 27,000 |
| Apache, Arizona | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Pinal, Arizona | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Fresno, California | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Merced, California | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Monterey, California | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Napa, California | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Adams, Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Archuleta, Colorado | 1 | $ 42,000 | $ 42,000 | $ 0 |
| La Plata, Colorado | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Larimer, Colorado | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Pitkin, Colorado | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Pueblo, Colorado | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Weld, Colorado | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Middlesex, Connecticut | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Tolland, Connecticut | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Broward, Florida | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Clay, Florida | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Hernando, Florida | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Pasco, Florida | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Bryan, Georgia | 1 | $ 960,000 | $ 960,000 | $ 0 |
| Butts, Georgia | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Dawson, Georgia | 1 | $ 351,000 | $ 351,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Jasper, Georgia | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Jersey, Illinois | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Knox, Illinois | 1 | $ 203,000 | $ 203,000 | $ 0 |
| McHenry, Illinois | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Union, Illinois | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Elkhart, Indiana | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Howard, Indiana | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Huntington, Indiana | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Monroe, Indiana | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Morgan, Indiana | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Putnam, Indiana | 1 | $ 214,000 | $ 214,000 | $ 0 |
| St. Joseph, Indiana | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Polk, Iowa | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Warren, Iowa | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Leavenworth, Kansas | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Boone, Kentucky | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Hart, Kentucky | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Kenton, Kentucky | 1 | $ 384,000 | $ 384,000 | $ 0 |
| Scott, Kentucky | 1 | $ 17,000 | $ 17,000 | $ 80,000 |
| Hancock, Maine | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Oxford, Maine | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Penobscot, Maine | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Barnstable, Massachusetts | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Bristol, Massachusetts | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 546,000 | $ 546,000 | $ 0 |
| Hampshire, Massachusetts | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Nantucket, Massachusetts | 1 | $ 3,000,000 | $ 3,000,000 | $ 3,900,000 |
| Plymouth, Massachusetts | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Bay, Michigan | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Lenawee, Michigan | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Livingston, Michigan | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Monroe, Michigan | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Oakland, Michigan | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Wayne, Michigan | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Callaway, Missouri | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Cheshire, New Hampshire | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Sullivan, New Hampshire | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Salem, New Jersey | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Sussex, New Jersey | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Union, New Jersey | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| San Juan, New Mexico | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Lewis, New York | 1 | $ 38,000 | $ 38,000 | $ 614,000 |
| Montgomery, New York | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Chatham, North Carolina | 1 | $ 358,000 | $ 358,000 | $ 0 |
| Currituck, North Carolina | 1 | $ 428,000 | $ 428,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Haywood, North Carolina | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Montgomery, North Carolina | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Rutherford, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Union, North Carolina | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Vance, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Wake, North Carolina | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Champaign, Ohio | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Fulton, Ohio | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Geauga, Ohio | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Hardin, Ohio | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Holmes, Ohio | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Jefferson, Ohio | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Lake, Ohio | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Medina, Ohio | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Muskingum, Ohio | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Noble, Ohio | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Richland, Ohio | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Ross, Ohio | 1 | $ 14,000 | $ 14,000 | $ 56,000 |
| Shelby, Ohio | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Stark, Ohio | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Trumbull, Ohio | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Washington, Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Cleveland, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Garfield, Oklahoma | 1 | $ 2,000 | $ 2,000 | $ 21,000 |
| Pontotoc, Oklahoma | 1 | $ 572,000 | $ 572,000 | $ 0 |
| Columbia, Oregon | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Douglas, Oregon | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Jackson, Oregon | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Marion, Oregon | 1 | $ 317,000 | $ 317,000 | $ 0 |
| Tillamook, Oregon | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Armstrong, Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 37,000 |
| Crawford, Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Erie, Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 20,000 |
| Fayette, Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Greene, Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Warren, Pennsylvania | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Fairfield, South Carolina | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Georgetown, South Carolina | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Horry, South Carolina | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Pickens, South Carolina | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Greene, Tennessee | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Williamson, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Denton, Texas | 1 | $ 476,000 | $ 476,000 | $ 0 |
| Jefferson, Texas | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Montgomery, Texas | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Randall, Texas | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Wood, Texas | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Cache, Utah | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Summit, Utah | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Weber, Utah | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Addison, Vermont | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Chittenden, Vermont | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Orange, Vermont | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Windham, Vermont | 1 | $ 388,000 | $ 388,000 | $ 0 |
| Accomack, Virginia | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Alexandria, Virginia | 1 | $ 384,000 | $ 384,000 | $ 0 |
| Bedford, Virginia | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Campbell, Virginia | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Chesapeake, Virginia | 1 | $ 13,000 | $ 13,000 | $ 170,000 |
| Culpeper, Virginia | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Fairfax City, Virginia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Hampton, Virginia | 1 | $ 9,000 | $ 9,000 | $ 70,000 |
| James City, Virginia | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Lee, Virginia | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Louisa, Virginia | 1 | $ 100,000 | $ 100,000 | $ 155,000 |
| Middlesex, Virginia | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Nelson, Virginia | 1 | $ 441,000 | $ 441,000 | $ 0 |
| Norfolk, Virginia | 1 | $ 8,000 | $ 8,000 | $ 25,000 |
| Northumberland, Virginia | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Richmond, Virginia | 1 | $ 10,000 | $ 10,000 | $ 77,000 |
| Roanoke, Virginia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Williamsburg, Virginia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| York, Virginia | 1 | $ 13,000 | $ 13,000 | $ 61,000 |
| Cowlitz, Washington | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Island, Washington | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Skamania, Washington | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Barbour, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Hancock, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 131,000 |
| Morgan, West Virginia | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Ohio, West Virginia | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Raleigh, West Virginia | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| Randolph, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 68,000 |
| Tucker, West Virginia | 1 | $ 100,000 | $ 100,000 | $ 167,000 |
| Lafayette, Wisconsin | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Walworth, Wisconsin | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Teton, Wyoming | 1 | $ 315,000 | $ 315,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2004
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 | 6,076 | $540,999,000 | $258,478 | $4,000,000 | $25,347 | $2,165,000 |
| Home Purchase | 3,708 | $726,548,000 | $223,307 | $99,999,000 | $19,230 | $3,900,000 |
| Home Improvement | 3,512 | $76,370,000 | $137,272 | $1,576,000 | $59,545 | $1,872,000 |
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 | 6,529 | $334,059,000 | $273,615 | $3,000,000 | $380,153 | $3,900,000 |
| Not applicable | 4,543 | $920,131,000 | $239,975 | $99,999,000 | $1,350 | $2,500,000 |
| Not Provided | 1,331 | $57,572,000 | $48,125 | $508,000 | $86,500 | $1,783,000 |
| Black or African American | 511 | $17,610,000 | $31,833 | $344,000 | $52,166 | $1,839,000 |
| Hispanic | 217 | $6,954,000 | $21,200 | $212,000 | $68,600 | $853,000 |
| Asian | 84 | $4,686,000 | $63,200 | $310,000 | $76,600 | $1,482,000 |
| American Indian or Alaskan Native | 73 | $2,614,000 | $37,000 | $140,000 | $56,500 | $661,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $291,000 | $42,666 | $104,000 | $46,000 | $78,000 |
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) | 13,244 | $1,338,504,000 | $223,925 | $99,999,000 | $20,050 | $3,900,000 |
| FHA-insured (Federal Housing Administration) | 48 | $4,631,000 | $143,200 | $214,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 4 | $782,000 | $202,000 | $246,000 | $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 | 4,514 | $756,282,000 | $233,725 | $5,600,000 | $0 | $0 |
| Application Denied By Financial Institution | 4,217 | $187,904,000 | $34,166 | $500,000 | $62,500 | $1,839,000 |
| Loan Originated | 3,885 | $375,482,000 | $824,454 | $99,999,000 | $459,909 | $3,900,000 |
| Application Approved But Not Accepted | 507 | $21,185,000 | $30,142 | $180,000 | $64,857 | $1,664,000 |
| File Closed For Incompleteness | 152 | $2,165,000 | $14,200 | $125,000 | $87,000 | $1,872,000 |
| Application Withdrawn By Applicant | 21 | $899,000 | $42,333 | $140,000 | $62,666 | $310,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 2004 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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