M&T Bank Mortgage Lending & HMDA Data, 2005
In 2005, M&T Bank of Buffalo, NY reported 10,053 mortgage applications totaling $1.2 billion, down 24% from 2004. The average application was for $119,060, and applicants reported an average income of $42,851. 26% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Buffalo-Niagara Falls, NY (1,013), Baltimore-Towson, MD (628) and York-Hanover, PA (557) (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 | 10,053 |
| Total Mortgage Loan Application Amount | $1,196,912,000 |
| Average Mortgage Loan Application Amount | $119,060 |
| Highest Mortgage Loan Application Amount | $13,750,000 |
| Average Applicant Income | $42,851 |
| Highest Applicant Income | $862,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 844 | $ 65,212,000 | $ 77,265 | $ 43,000 |
| York, Pennsylvania | 557 | $ 37,662,000 | $ 67,615 | $ 52,000 |
| Luzerne, Pennsylvania | 396 | $ 25,517,000 | $ 64,436 | $ 55,000 |
| Onondaga, New York | 281 | $ 16,933,000 | $ 60,259 | $ 58,000 |
| Blair, Pennsylvania | 259 | $ 16,147,000 | $ 62,343 | $ 44,000 |
| Monroe, New York | 251 | $ 18,286,000 | $ 72,852 | $ 45,000 |
| Franklin, Pennsylvania | 251 | $ 21,012,000 | $ 83,713 | $ 41,000 |
| Schuylkill, Pennsylvania | 242 | $ 11,483,000 | $ 47,450 | $ 52,000 |
| Berks, Pennsylvania | 228 | $ 12,518,000 | $ 54,903 | $ 42,000 |
| Dauphin, Pennsylvania | 220 | $ 13,566,000 | $ 61,663 | $ 55,000 |
| Baltimore City, Maryland | 188 | $ 15,047,000 | $ 80,037 | $ 45,000 |
| Baltimore, Maryland | 175 | $ 15,864,000 | $ 90,651 | $ 84,000 |
| Niagara, New York | 169 | $ 11,136,000 | $ 65,893 | $ 50,000 |
| Centre, Pennsylvania | 163 | $ 12,582,000 | $ 77,190 | $ 53,000 |
| Cumberland, Pennsylvania | 152 | $ 13,671,000 | $ 89,940 | $ 55,000 |
| Lancaster, Pennsylvania | 150 | $ 12,338,000 | $ 82,253 | $ 51,000 |
| Lycoming, Pennsylvania | 147 | $ 8,069,000 | $ 54,891 | $ 40,000 |
| Bradford, Pennsylvania | 143 | $ 7,695,000 | $ 53,811 | $ 56,000 |
| Northumberland, Pennsylvania | 134 | $ 6,617,000 | $ 49,380 | $ 59,000 |
| Orange, New York | 127 | $ 22,019,000 | $ 173,377 | $ 40,000 |
| Dutchess, New York | 124 | $ 23,584,000 | $ 190,193 | $ 55,000 |
| Anne Arundel, Maryland | 118 | $ 21,426,000 | $ 181,576 | $ 82,000 |
| Broome, New York | 116 | $ 4,689,000 | $ 40,422 | $ 54,000 |
| Bedford, Pennsylvania | 104 | $ 6,065,000 | $ 58,317 | $ 34,000 |
| Prince William, Virginia | 96 | $ 40,056,000 | $ 417,250 | $ 61,000 |
| Lebanon, Pennsylvania | 94 | $ 7,552,000 | $ 80,340 | $ 61,000 |
| Allegany, Maryland | 91 | $ 5,250,000 | $ 57,692 | $ 34,000 |
| Clinton, Pennsylvania | 91 | $ 4,423,000 | $ 48,604 | $ 53,000 |
| Montgomery, Maryland | 85 | $ 31,038,000 | $ 365,152 | $ 78,000 |
| Washington, Maryland | 83 | $ 9,050,000 | $ 109,036 | $ 54,000 |
| Adams, Pennsylvania | 83 | $ 7,346,000 | $ 88,506 | $ 59,000 |
| Frederick, Maryland | 78 | $ 10,425,000 | $ 133,653 | $ 69,000 |
| Chautauqua, New York | 77 | $ 4,248,000 | $ 55,168 | $ 36,000 |
| Stafford, Virginia | 76 | $ 29,334,000 | $ 385,973 | $ 24,000 |
| Clearfield, Pennsylvania | 75 | $ 3,116,000 | $ 41,546 | $ 43,000 |
| Union, Pennsylvania | 71 | $ 5,486,000 | $ 77,267 | $ 58,000 |
| Prince George's, Maryland | 69 | $ 4,052,000 | $ 58,724 | $ 60,000 |
| Harford, Maryland | 68 | $ 6,224,000 | $ 91,529 | $ 56,000 |
| Cattaraugus, New York | 66 | $ 2,416,000 | $ 36,606 | $ 48,000 |
| Spotsylvania, Virginia | 65 | $ 19,937,000 | $ 306,723 | $ 0 |
| Suffolk, New York | 63 | $ 16,914,000 | $ 268,476 | $ 68,000 |
| Snyder, Pennsylvania | 63 | $ 2,753,000 | $ 43,698 | $ 60,000 |
| Columbia, Pennsylvania | 62 | $ 3,342,000 | $ 53,903 | $ 46,000 |
| Albany, New York | 61 | $ 9,215,000 | $ 151,065 | $ 38,000 |
| Lehigh, Pennsylvania | 61 | $ 4,751,000 | $ 77,885 | $ 59,000 |
| Rensselaer, New York | 57 | $ 5,361,000 | $ 94,052 | $ 46,000 |
| Philadelphia, Pennsylvania | 57 | $ 3,187,000 | $ 55,912 | $ 52,000 |
| Genesee, New York | 56 | $ 2,970,000 | $ 53,035 | $ 48,000 |
| Mineral, West Virginia | 54 | $ 2,513,000 | $ 46,537 | $ 37,000 |
| Cayuga, New York | 53 | $ 3,411,000 | $ 64,358 | $ 45,000 |
| Saratoga, New York | 51 | $ 7,993,000 | $ 156,725 | $ 60,000 |
| Queens, New York | 50 | $ 10,031,000 | $ 200,620 | $ 92,000 |
| Ulster, New York | 50 | $ 6,218,000 | $ 124,360 | $ 43,000 |
| King, Washington | 50 | $ 17,938,000 | $ 358,760 | $ 0 |
| Westchester, New York | 47 | $ 20,790,000 | $ 442,340 | $ 81,000 |
| Garrett, Maryland | 46 | $ 3,237,000 | $ 70,369 | $ 29,000 |
| Nassau, New York | 44 | $ 10,835,000 | $ 246,250 | $ 61,000 |
| Oneida, New York | 44 | $ 3,353,000 | $ 76,204 | $ 37,000 |
| Carbon, Pennsylvania | 43 | $ 2,205,000 | $ 51,279 | $ 36,000 |
| District of Columbia, District Of Columbia | 42 | $ 9,869,000 | $ 234,976 | $ 62,000 |
| Carroll, Maryland | 42 | $ 5,423,000 | $ 129,119 | $ 69,000 |
| Bergen, New Jersey | 42 | $ 13,626,000 | $ 324,428 | $ 0 |
| Bucks, Pennsylvania | 42 | $ 6,493,000 | $ 154,595 | $ 42,000 |
| Delaware, Pennsylvania | 42 | $ 3,100,000 | $ 73,809 | $ 52,000 |
| Lackawanna, Pennsylvania | 42 | $ 4,840,000 | $ 115,238 | $ 52,000 |
| Fairfax, Virginia | 39 | $ 17,052,000 | $ 437,230 | $ 84,000 |
| Montgomery, Pennsylvania | 37 | $ 4,765,000 | $ 128,783 | $ 65,000 |
| Calvert, Maryland | 35 | $ 6,989,000 | $ 199,685 | $ 64,000 |
| Schenectady, New York | 35 | $ 4,053,000 | $ 115,800 | $ 35,000 |
| Chester, Pennsylvania | 35 | $ 3,760,000 | $ 107,428 | $ 56,000 |
| Wicomico, Maryland | 34 | $ 2,117,000 | $ 62,264 | $ 50,000 |
| St. Mary's, Maryland | 33 | $ 4,200,000 | $ 127,272 | $ 55,000 |
| Madison, New York | 33 | $ 2,714,000 | $ 82,242 | $ 45,000 |
| Kings, New York | 32 | $ 6,169,000 | $ 192,781 | $ 84,000 |
| New York, New York | 32 | $ 49,062,000 | $ 1,533,187 | $ 17,000 |
| Tioga, New York | 31 | $ 1,156,000 | $ 37,290 | $ 53,000 |
| Northampton, Pennsylvania | 30 | $ 2,230,000 | $ 74,333 | $ 71,000 |
| Loudoun, Virginia | 29 | $ 7,873,000 | $ 271,482 | $ 93,000 |
| Howard, Maryland | 28 | $ 3,089,000 | $ 110,321 | $ 97,000 |
| Steuben, New York | 28 | $ 1,560,000 | $ 55,714 | $ 36,000 |
| Perry, Pennsylvania | 28 | $ 1,728,000 | $ 61,714 | $ 66,000 |
| Sussex, Delaware | 26 | $ 3,533,000 | $ 135,884 | $ 36,000 |
| Charles, Maryland | 26 | $ 1,547,000 | $ 59,500 | $ 45,000 |
| Ontario, New York | 25 | $ 3,249,000 | $ 129,960 | $ 50,000 |
| Wyoming, New York | 25 | $ 1,181,000 | $ 47,240 | $ 43,000 |
| Livingston, New York | 24 | $ 1,107,000 | $ 46,125 | $ 33,000 |
| Maricopa, Arizona | 23 | $ 5,919,000 | $ 257,347 | $ 0 |
| Oswego, New York | 23 | $ 1,026,000 | $ 44,608 | $ 53,000 |
| Chemung, New York | 22 | $ 1,030,000 | $ 46,818 | $ 39,000 |
| Richmond, New York | 22 | $ 2,999,000 | $ 136,318 | $ 58,000 |
| Tompkins, New York | 22 | $ 1,657,000 | $ 75,318 | $ 51,000 |
| Rockland, New York | 21 | $ 5,927,000 | $ 282,238 | $ 90,000 |
| Monroe, Pennsylvania | 21 | $ 2,704,000 | $ 128,761 | $ 49,000 |
| Worcester, Maryland | 20 | $ 4,364,000 | $ 218,200 | $ 42,000 |
| Licking, Ohio | 20 | $ 5,462,000 | $ 273,100 | $ 0 |
| Allegany, New York | 19 | $ 603,000 | $ 31,736 | $ 49,000 |
| Orleans, New York | 19 | $ 749,000 | $ 39,421 | $ 33,000 |
| Putnam, New York | 19 | $ 5,484,000 | $ 288,631 | $ 21,000 |
| Sullivan, New York | 19 | $ 1,656,000 | $ 87,157 | $ 45,000 |
| Montour, Pennsylvania | 19 | $ 2,187,000 | $ 115,105 | $ 30,000 |
| Clinton, New York | 18 | $ 1,810,000 | $ 100,555 | $ 40,000 |
| Sullivan, Pennsylvania | 18 | $ 1,449,000 | $ 80,500 | $ 36,000 |
| Salt Lake, Utah | 18 | $ 4,304,000 | $ 239,111 | $ 0 |
| Cecil, Maryland | 16 | $ 885,000 | $ 55,312 | $ 60,000 |
| Fulton, Pennsylvania | 16 | $ 920,000 | $ 57,500 | $ 51,000 |
| Wayne, New York | 15 | $ 649,000 | $ 43,266 | $ 31,000 |
| Otsego, New York | 14 | $ 1,642,000 | $ 117,285 | $ 17,000 |
| Cambria, Pennsylvania | 14 | $ 437,000 | $ 31,214 | $ 44,000 |
| Tioga, Pennsylvania | 14 | $ 890,000 | $ 63,571 | $ 27,000 |
| Davis, Utah | 13 | $ 3,067,000 | $ 235,923 | $ 0 |
| Delaware, Ohio | 12 | $ 3,983,000 | $ 331,916 | $ 0 |
| Wyoming, Pennsylvania | 12 | $ 955,000 | $ 79,583 | $ 103,000 |
| Caroline, Maryland | 11 | $ 830,000 | $ 75,454 | $ 40,000 |
| Hudson, New Jersey | 11 | $ 17,053,000 | $ 1,550,272 | $ 0 |
| Jefferson, New York | 11 | $ 1,334,000 | $ 121,272 | $ 27,000 |
| Susquehanna, Pennsylvania | 11 | $ 802,000 | $ 72,909 | $ 59,000 |
| Caroline, Virginia | 11 | $ 2,689,000 | $ 244,454 | $ 0 |
| Monmouth, New Jersey | 10 | $ 5,435,000 | $ 543,500 | $ 0 |
| Greene, New York | 10 | $ 1,123,000 | $ 112,300 | $ 22,000 |
| Franklin, Ohio | 10 | $ 2,322,000 | $ 232,200 | $ 0 |
| Clackamas, Oregon | 10 | $ 2,530,000 | $ 253,000 | $ 0 |
| Mifflin, Pennsylvania | 10 | $ 507,000 | $ 50,700 | $ 36,000 |
| Utah, Utah | 10 | $ 2,805,000 | $ 280,500 | $ 0 |
| Fairfield, Connecticut | 9 | $ 4,730,000 | $ 525,555 | $ 0 |
| Palm Beach, Florida | 9 | $ 3,944,000 | $ 438,222 | $ 0 |
| Queen Anne's, Maryland | 9 | $ 283,000 | $ 31,444 | $ 86,000 |
| Fairfield, Ohio | 9 | $ 1,606,000 | $ 178,444 | $ 10,000 |
| Fauquier, Virginia | 9 | $ 2,389,000 | $ 265,444 | $ 0 |
| Berkeley, West Virginia | 9 | $ 1,273,000 | $ 141,444 | $ 59,000 |
| Cook, Illinois | 8 | $ 1,457,000 | $ 182,125 | $ 0 |
| Columbia, New York | 8 | $ 1,707,000 | $ 213,375 | $ 14,000 |
| Franklin, New York | 8 | $ 867,000 | $ 108,375 | $ 16,000 |
| Seneca, New York | 8 | $ 535,000 | $ 66,875 | $ 40,000 |
| Huntingdon, Pennsylvania | 8 | $ 453,000 | $ 56,625 | $ 45,000 |
| Somerset, Pennsylvania | 8 | $ 273,000 | $ 34,125 | $ 27,000 |
| Lee, Florida | 7 | $ 2,423,000 | $ 346,142 | $ 0 |
| Essex, New York | 7 | $ 889,000 | $ 127,000 | $ 0 |
| Washington, New York | 7 | $ 475,000 | $ 67,857 | $ 31,000 |
| Pickaway, Ohio | 7 | $ 1,614,000 | $ 230,571 | $ 0 |
| Union, Ohio | 7 | $ 1,104,000 | $ 157,714 | $ 0 |
| Allegheny, Pennsylvania | 7 | $ 800,000 | $ 114,285 | $ 100,000 |
| Pike, Pennsylvania | 7 | $ 573,000 | $ 81,857 | $ 57,000 |
| Arlington, Virginia | 7 | $ 1,835,000 | $ 262,142 | $ 82,000 |
| Clark, Washington | 7 | $ 1,518,000 | $ 216,857 | $ 0 |
| Hampshire, West Virginia | 7 | $ 483,000 | $ 69,000 | $ 60,000 |
| Larimer, Colorado | 6 | $ 1,501,000 | $ 250,166 | $ 0 |
| New Castle, Delaware | 6 | $ 963,000 | $ 160,500 | $ 46,000 |
| Talbot, Maryland | 6 | $ 712,000 | $ 118,666 | $ 21,000 |
| Cape May, New Jersey | 6 | $ 3,121,000 | $ 520,166 | $ 0 |
| Bronx, New York | 6 | $ 1,265,000 | $ 210,833 | $ 52,000 |
| Chenango, New York | 6 | $ 762,000 | $ 127,000 | $ 38,000 |
| Cortland, New York | 6 | $ 129,000 | $ 21,500 | $ 39,000 |
| Warren, New York | 6 | $ 1,518,000 | $ 253,000 | $ 26,000 |
| Morrow, Ohio | 6 | $ 1,183,000 | $ 197,166 | $ 0 |
| Jefferson, West Virginia | 6 | $ 1,216,000 | $ 202,666 | $ 64,000 |
| Yuma, Arizona | 5 | $ 819,000 | $ 163,800 | $ 0 |
| Riverside, California | 5 | $ 1,366,000 | $ 273,200 | $ 0 |
| Miami-Dade, Florida | 5 | $ 1,913,000 | $ 382,600 | $ 0 |
| Morris, New Jersey | 5 | $ 1,556,000 | $ 311,200 | $ 0 |
| Knox, Ohio | 5 | $ 913,000 | $ 182,600 | $ 0 |
| Multnomah, Oregon | 5 | $ 1,208,000 | $ 241,600 | $ 0 |
| Cache, Utah | 5 | $ 932,000 | $ 186,400 | $ 0 |
| Weber, Utah | 5 | $ 1,102,000 | $ 220,400 | $ 0 |
| Denver, Colorado | 4 | $ 616,000 | $ 154,000 | $ 0 |
| El Paso, Colorado | 4 | $ 1,173,000 | $ 293,250 | $ 0 |
| Jefferson, Colorado | 4 | $ 1,233,000 | $ 308,250 | $ 0 |
| Hillsborough, Florida | 4 | $ 669,000 | $ 167,250 | $ 0 |
| St. Lucie, Florida | 4 | $ 765,000 | $ 191,250 | $ 0 |
| Dorchester, Maryland | 4 | $ 548,000 | $ 137,000 | $ 16,000 |
| Clark, Nevada | 4 | $ 1,254,000 | $ 313,500 | $ 0 |
| Mercer, New Jersey | 4 | $ 1,569,000 | $ 392,250 | $ 0 |
| Lewis, New York | 4 | $ 250,000 | $ 62,500 | $ 29,000 |
| Buncombe, North Carolina | 4 | $ 771,000 | $ 192,750 | $ 0 |
| Haywood, North Carolina | 4 | $ 651,000 | $ 162,750 | $ 0 |
| Hocking, Ohio | 4 | $ 1,099,000 | $ 274,750 | $ 0 |
| Lane, Oregon | 4 | $ 534,000 | $ 133,500 | $ 0 |
| Juniata, Pennsylvania | 4 | $ 251,000 | $ 62,750 | $ 32,000 |
| Wayne, Pennsylvania | 4 | $ 178,000 | $ 44,500 | $ 58,000 |
| Harris, Texas | 4 | $ 589,000 | $ 147,250 | $ 0 |
| Uintah, Utah | 4 | $ 712,000 | $ 178,000 | $ 0 |
| Culpeper, Virginia | 4 | $ 1,092,000 | $ 273,000 | $ 0 |
| Orange, Virginia | 4 | $ 1,334,000 | $ 333,500 | $ 0 |
| Yavapai, Arizona | 3 | $ 911,000 | $ 303,666 | $ 0 |
| Douglas, Colorado | 3 | $ 926,000 | $ 308,666 | $ 0 |
| Eagle, Colorado | 3 | $ 784,000 | $ 261,333 | $ 0 |
| Litchfield, Connecticut | 3 | $ 671,000 | $ 223,666 | $ 0 |
| New Haven, Connecticut | 3 | $ 1,586,000 | $ 528,666 | $ 0 |
| Collier, Florida | 3 | $ 5,000,000 | $ 1,666,666 | $ 0 |
| Polk, Florida | 3 | $ 752,000 | $ 250,666 | $ 0 |
| Cherokee, Georgia | 3 | $ 359,000 | $ 119,666 | $ 0 |
| Ada, Idaho | 3 | $ 448,000 | $ 149,333 | $ 0 |
| Somerset, Maryland | 3 | $ 213,000 | $ 71,000 | $ 29,000 |
| Norfolk, Massachusetts | 3 | $ 1,166,000 | $ 388,666 | $ 0 |
| Monroe, Michigan | 3 | $ 797,000 | $ 265,666 | $ 0 |
| Hennepin, Minnesota | 3 | $ 410,000 | $ 136,666 | $ 0 |
| Middlesex, New Jersey | 3 | $ 949,000 | $ 316,333 | $ 0 |
| Ocean, New Jersey | 3 | $ 868,000 | $ 289,333 | $ 0 |
| Somerset, New Jersey | 3 | $ 805,000 | $ 268,333 | $ 0 |
| Delaware, New York | 3 | $ 497,000 | $ 165,666 | $ 0 |
| Schoharie, New York | 3 | $ 95,000 | $ 31,666 | $ 44,000 |
| Yates, New York | 3 | $ 39,000 | $ 13,000 | $ 50,000 |
| Logan, Ohio | 3 | $ 631,000 | $ 210,333 | $ 0 |
| Madison, Ohio | 3 | $ 837,000 | $ 279,000 | $ 0 |
| Pike, Ohio | 3 | $ 439,000 | $ 146,333 | $ 0 |
| Washington, Oregon | 3 | $ 418,000 | $ 139,333 | $ 0 |
| Erie, Pennsylvania | 3 | $ 862,000 | $ 287,333 | $ 48,000 |
| Westmoreland, Pennsylvania | 3 | $ 516,000 | $ 172,000 | $ 52,000 |
| Washington, Rhode Island | 3 | $ 1,648,000 | $ 549,333 | $ 0 |
| Horry, South Carolina | 3 | $ 558,000 | $ 186,000 | $ 0 |
| Bexar, Texas | 3 | $ 143,000 | $ 47,666 | $ 0 |
| Tooele, Utah | 3 | $ 717,000 | $ 239,000 | $ 0 |
| Washington, Utah | 3 | $ 689,000 | $ 229,666 | $ 0 |
| Windsor, Vermont | 3 | $ 945,000 | $ 315,000 | $ 0 |
| Alexandria, Virginia | 3 | $ 642,000 | $ 214,000 | $ 33,000 |
| Chesapeake, Virginia | 3 | $ 40,000 | $ 13,333 | $ 115,000 |
| Chesterfield, Virginia | 3 | $ 629,000 | $ 209,666 | $ 0 |
| King George, Virginia | 3 | $ 855,000 | $ 285,000 | $ 0 |
| San Juan, Washington | 3 | $ 772,000 | $ 257,333 | $ 0 |
| Gila, Arizona | 2 | $ 357,000 | $ 178,500 | $ 0 |
| Pima, Arizona | 2 | $ 776,000 | $ 388,000 | $ 0 |
| Ventura, California | 2 | $ 1,279,000 | $ 639,500 | $ 0 |
| Arapahoe, Colorado | 2 | $ 221,000 | $ 110,500 | $ 0 |
| Gilpin, Colorado | 2 | $ 564,000 | $ 282,000 | $ 0 |
| Park, Colorado | 2 | $ 573,000 | $ 286,500 | $ 0 |
| Middlesex, Connecticut | 2 | $ 768,000 | $ 384,000 | $ 0 |
| New London, Connecticut | 2 | $ 695,000 | $ 347,500 | $ 0 |
| Kent, Delaware | 2 | $ 205,000 | $ 102,500 | $ 0 |
| Bay, Florida | 2 | $ 835,000 | $ 417,500 | $ 0 |
| Broward, Florida | 2 | $ 804,000 | $ 402,000 | $ 0 |
| Osceola, Florida | 2 | $ 261,000 | $ 130,500 | $ 0 |
| Santa Rosa, Florida | 2 | $ 215,000 | $ 107,500 | $ 0 |
| Seminole, Florida | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Volusia, Florida | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Clayton, Georgia | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Fulton, Georgia | 2 | $ 402,000 | $ 201,000 | $ 0 |
| DuPage, Illinois | 2 | $ 534,000 | $ 267,000 | $ 0 |
| Will, Illinois | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Elkhart, Indiana | 2 | $ 433,000 | $ 216,500 | $ 0 |
| Marion, Indiana | 2 | $ 302,000 | $ 151,000 | $ 30,000 |
| Washington, Indiana | 2 | $ 136,000 | $ 68,000 | $ 0 |
| Androscoggin, Maine | 2 | $ 379,000 | $ 189,500 | $ 0 |
| Kennebec, Maine | 2 | $ 335,000 | $ 167,500 | $ 0 |
| Kent, Maryland | 2 | $ 481,000 | $ 240,500 | $ 32,000 |
| Bristol, Massachusetts | 2 | $ 716,000 | $ 358,000 | $ 0 |
| Worcester, Massachusetts | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Carroll, New Hampshire | 2 | $ 506,000 | $ 253,000 | $ 0 |
| Grafton, New Hampshire | 2 | $ 934,000 | $ 467,000 | $ 0 |
| Rockingham, New Hampshire | 2 | $ 461,000 | $ 230,500 | $ 0 |
| Atlantic, New Jersey | 2 | $ 1,416,000 | $ 708,000 | $ 0 |
| Hunterdon, New Jersey | 2 | $ 934,000 | $ 467,000 | $ 0 |
| Salem, New Jersey | 2 | $ 487,000 | $ 243,500 | $ 0 |
| Herkimer, New York | 2 | $ 151,000 | $ 75,500 | $ 0 |
| Montgomery, New York | 2 | $ 19,000 | $ 9,500 | $ 45,000 |
| Schuyler, New York | 2 | $ 78,000 | $ 39,000 | $ 82,000 |
| St. Lawrence, New York | 2 | $ 49,000 | $ 24,500 | $ 27,000 |
| Allen, Ohio | 2 | $ 157,000 | $ 78,500 | $ 0 |
| Champaign, Ohio | 2 | $ 283,000 | $ 141,500 | $ 17,000 |
| Perry, Ohio | 2 | $ 475,000 | $ 237,500 | $ 0 |
| Portage, Ohio | 2 | $ 411,000 | $ 205,500 | $ 26,000 |
| Summit, Ohio | 2 | $ 381,000 | $ 190,500 | $ 0 |
| Tuscarawas, Ohio | 2 | $ 43,000 | $ 21,500 | $ 37,000 |
| Armstrong, Pennsylvania | 2 | $ 114,000 | $ 57,000 | $ 21,000 |
| Beaver, Pennsylvania | 2 | $ 25,000 | $ 12,500 | $ 58,000 |
| Butler, Pennsylvania | 2 | $ 911,000 | $ 455,500 | $ 0 |
| Elk, Pennsylvania | 2 | $ 28,000 | $ 14,000 | $ 54,000 |
| Fayette, Pennsylvania | 2 | $ 227,000 | $ 113,500 | $ 14,000 |
| Montgomery, Texas | 2 | $ 571,000 | $ 285,500 | $ 0 |
| Summit, Utah | 2 | $ 1,019,000 | $ 509,500 | $ 0 |
| Accomack, Virginia | 2 | $ 165,000 | $ 82,500 | $ 25,000 |
| Fluvanna, Virginia | 2 | $ 485,000 | $ 242,500 | $ 0 |
| Henrico, Virginia | 2 | $ 25,000 | $ 12,500 | $ 73,000 |
| Louisa, Virginia | 2 | $ 872,000 | $ 436,000 | $ 0 |
| Nelson, Virginia | 2 | $ 1,531,000 | $ 765,500 | $ 0 |
| Virginia Beach, Virginia | 2 | $ 996,000 | $ 498,000 | $ 0 |
| Warren, Virginia | 2 | $ 404,000 | $ 202,000 | $ 0 |
| Cowlitz, Washington | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Snohomish, Washington | 2 | $ 443,000 | $ 221,500 | $ 0 |
| Spokane, Washington | 2 | $ 195,000 | $ 97,500 | $ 0 |
| Harrison, West Virginia | 2 | $ 18,000 | $ 9,000 | $ 51,000 |
| Kanawha, West Virginia | 2 | $ 734,000 | $ 367,000 | $ 0 |
| Morgan, West Virginia | 2 | $ 50,000 | $ 25,000 | $ 31,000 |
| Elmore, Alabama | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Jackson, Alabama | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Madison, Alabama | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Marshall, Alabama | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Winston, Alabama | 1 | $ 473,000 | $ 473,000 | $ 0 |
| Pinal, Arizona | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Los Angeles, California | 1 | $ 400,000 | $ 400,000 | $ 0 |
| San Diego, California | 1 | $ 462,000 | $ 462,000 | $ 0 |
| Sonoma, California | 1 | $ 509,000 | $ 509,000 | $ 0 |
| Adams, Colorado | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Baca, Colorado | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Elbert, Colorado | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Pueblo, Colorado | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Summit, Colorado | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Hartford, Connecticut | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Charlotte, Florida | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Flagler, Florida | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Hernando, Florida | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Indian River, Florida | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Marion, Florida | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Monroe, Florida | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Orange, Florida | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Pasco, Florida | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Sarasota, Florida | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Sumter, Florida | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Wakulla, Florida | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Crisp, Georgia | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Glynn, Georgia | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Rockdale, Georgia | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Bear Lake, Idaho | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Bonneville, Idaho | 1 | $ 579,000 | $ 579,000 | $ 0 |
| Lake, Illinois | 1 | $ 70,000 | $ 70,000 | $ 0 |
| McHenry, Illinois | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Blackford, Indiana | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Boone, Indiana | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Hancock, Indiana | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Howard, Indiana | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Jennings, Indiana | 1 | $ 6,000 | $ 6,000 | $ 35,000 |
| LaPorte, Indiana | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Monroe, Indiana | 1 | $ 612,000 | $ 612,000 | $ 0 |
| Ohio, Indiana | 1 | $ 22,000 | $ 22,000 | $ 56,000 |
| Henry, Kentucky | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Jessamine, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Oldham, Kentucky | 1 | $ 309,000 | $ 309,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Ouachita, Louisiana | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Cumberland, Maine | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Penobscot, Maine | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Sagadahoc, Maine | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Berkshire, Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Hampden, Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Suffolk, Massachusetts | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Clinton, Michigan | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Genesee, Michigan | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Ionia, Michigan | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Jackson, Michigan | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Lenawee, Michigan | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Livingston, Michigan | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Oakland, Michigan | 1 | $ 13,750,000 | $ 13,750,000 | $ 0 |
| Van Buren, Michigan | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Wayne, Michigan | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Itasca, Minnesota | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Wright, Minnesota | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Jackson, Mississippi | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Marshall, Mississippi | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Monroe, Mississippi | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Boone, Missouri | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Jefferson, Missouri | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Gallatin, Montana | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Ravalli, Montana | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Yellowstone, Montana | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Lyon, Nevada | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Washoe, Nevada | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Merrimack, New Hampshire | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Strafford, New Hampshire | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Sullivan, New Hampshire | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Camden, New Jersey | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Essex, New Jersey | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Gloucester, New Jersey | 1 | $ 22,000 | $ 22,000 | $ 41,000 |
| Sussex, New Jersey | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Union, New Jersey | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Cabarrus, North Carolina | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Carteret, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Chatham, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Graham, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Macon, North Carolina | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Nash, North Carolina | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Rutherford, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Transylvania, North Carolina | 1 | $ 472,000 | $ 472,000 | $ 0 |
| Ashtabula, Ohio | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Carroll, Ohio | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Clermont, Ohio | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Clinton, Ohio | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Coshocton, Ohio | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Greene, Ohio | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Lucas, Ohio | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Marion, Ohio | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Mercer, Ohio | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Morgan, Ohio | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Muskingum, Ohio | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Ross, Ohio | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Stark, Ohio | 1 | $ 20,000 | $ 20,000 | $ 31,000 |
| Hood River, Oregon | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Jackson, Oregon | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Klamath, Oregon | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Cameron, Pennsylvania | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Indiana, Pennsylvania | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Jefferson, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 72,000 |
| Lawrence, Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 24,000 |
| Warren, Pennsylvania | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Washington, Pennsylvania | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Newport, Rhode Island | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Clarendon, South Carolina | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Dorchester, South Carolina | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Parker, Texas | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Randall, Texas | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Travis, Texas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Rich, Utah | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Sanpete, Utah | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Caledonia, Vermont | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Chittenden, Vermont | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Franklin, Vermont | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Lamoille, Vermont | 1 | $ 421,000 | $ 421,000 | $ 0 |
| Washington, Vermont | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Bedford, Virginia | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Botetourt, Virginia | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Dinwiddie, Virginia | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Frederick, Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Fredericksburg, Virginia | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Hanover, Virginia | 1 | $ 15,000 | $ 15,000 | $ 93,000 |
| Harrisonburg, Virginia | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Lancaster, Virginia | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Mecklenburg, Virginia | 1 | $ 7,000 | $ 7,000 | $ 87,000 |
| Norfolk, Virginia | 1 | $ 10,000 | $ 10,000 | $ 71,000 |
| Nottoway, Virginia | 1 | $ 13,000 | $ 13,000 | $ 300,000 |
| Rappahannock, Virginia | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Rockingham, Virginia | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Shenandoah, Virginia | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Westmoreland, Virginia | 1 | $ 66,000 | $ 66,000 | $ 66,000 |
| Winchester, Virginia | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Wise, Virginia | 1 | $ 10,000 | $ 10,000 | $ 87,000 |
| York, Virginia | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Island, Washington | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Kitsap, Washington | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Mason, Washington | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Pend Oreille, Washington | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Pierce, Washington | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Whatcom, Washington | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Mercer, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Monongalia, West Virginia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Preston, West Virginia | 1 | $ 30,000 | $ 30,000 | $ 63,000 |
| Putnam, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Wetzel, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Wirt, West Virginia | 1 | $ 13,000 | $ 13,000 | $ 157,000 |
| Wood, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Lincoln, Wyoming | 1 | $ 380,000 | $ 380,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2005
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 | 3,669 | $402,626,000 | $235,166 | $8,200,000 | $16,500 | $700,000 |
| Home Purchase | 3,404 | $726,071,000 | $281,825 | $13,750,000 | $2,425 | $318,000 |
| Home Improvement | 2,980 | $68,215,000 | $102,272 | $650,000 | $41,636 | $862,000 |
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 | 4,354 | $205,863,000 | $52,454 | $500,000 | $71,636 | $862,000 |
| Not applicable | 4,109 | $929,757,000 | $285,463 | $13,750,000 | $0 | $0 |
| Not Provided | 998 | $41,552,000 | $35,285 | $350,000 | $79,000 | $700,000 |
| Black or African American | 360 | $10,597,000 | $32,833 | $260,000 | $60,166 | $314,000 |
| Hispanic | 138 | $4,472,000 | $28,250 | $189,000 | $61,500 | $212,000 |
| American Indian or Alaskan Native | 44 | $1,810,000 | $44,000 | $180,000 | $61,000 | $200,000 |
| Asian | 42 | $2,453,000 | $55,000 | $300,000 | $86,333 | $342,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $408,000 | $50,666 | $135,000 | $58,666 | $88,000 |
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) | 10,009 | $1,192,270,000 | $269,756 | $13,750,000 | $9,195 | $862,000 |
| FHA-insured (Federal Housing Administration) | 40 | $4,042,000 | $146,500 | $225,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 4 | $600,000 | $149,500 | $178,000 | $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 | 4,097 | $886,070,000 | $254,487 | $12,500,000 | $0 | $0 |
| Application Denied By Financial Institution | 2,806 | $115,775,000 | $49,500 | $500,000 | $65,800 | $862,000 |
| Loan Originated | 2,619 | $172,358,000 | $1,618,545 | $13,750,000 | $52,000 | $700,000 |
| Application Approved But Not Accepted | 311 | $13,477,000 | $38,200 | $356,000 | $102,400 | $700,000 |
| Application Withdrawn By Applicant | 118 | $7,286,000 | $49,750 | $300,000 | $68,000 | $263,000 |
| File Closed For Incompleteness | 102 | $1,946,000 | $16,666 | $175,000 | $93,333 | $300,000 |
| 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 2005 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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