M&T Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
M&T Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $240,160 |
| Highest Mortgage Loan Application Amount | $13,750,000 |
| Average Applicant Income | $12,962 |
| Highest Applicant Income | $862,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with M&T Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing M&T Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down M&T Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how M&T Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by M&T Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at M&T Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Erie County New York | 844 | $ 65,212,000 | $ 77,000 | $ 43,000 |
| York County Pennsylvania | 557 | $ 37,662,000 | $ 67,000 | $ 52,000 |
| Luzerne County Pennsylvania | 396 | $ 25,517,000 | $ 64,000 | $ 55,000 |
| Onondaga County New York | 281 | $ 16,933,000 | $ 60,000 | $ 58,000 |
| Blair County Pennsylvania | 259 | $ 16,147,000 | $ 62,000 | $ 44,000 |
| Monroe County New York | 251 | $ 18,286,000 | $ 72,000 | $ 45,000 |
| Franklin County Pennsylvania | 251 | $ 21,012,000 | $ 83,000 | $ 41,000 |
| Schuylkill County Pennsylvania | 242 | $ 11,483,000 | $ 47,000 | $ 52,000 |
| Berks County Pennsylvania | 228 | $ 12,518,000 | $ 54,000 | $ 42,000 |
| Dauphin County Pennsylvania | 220 | $ 13,566,000 | $ 61,000 | $ 55,000 |
| Baltimore City County Maryland | 188 | $ 15,047,000 | $ 80,000 | $ 45,000 |
| Baltimore County Maryland | 175 | $ 15,864,000 | $ 90,000 | $ 84,000 |
| Niagara County New York | 169 | $ 11,136,000 | $ 65,000 | $ 50,000 |
| Centre County Pennsylvania | 163 | $ 12,582,000 | $ 77,000 | $ 53,000 |
| Cumberland County Pennsylvania | 152 | $ 13,671,000 | $ 89,000 | $ 55,000 |
| Lancaster County Pennsylvania | 150 | $ 12,338,000 | $ 82,000 | $ 51,000 |
| Lycoming County Pennsylvania | 147 | $ 8,069,000 | $ 54,000 | $ 40,000 |
| Bradford County Pennsylvania | 143 | $ 7,695,000 | $ 53,000 | $ 56,000 |
| Northumberland County Pennsylvania | 134 | $ 6,617,000 | $ 49,000 | $ 59,000 |
| Orange County New York | 127 | $ 22,019,000 | $ 173,000 | $ 40,000 |
| Dutchess County New York | 124 | $ 23,584,000 | $ 190,000 | $ 55,000 |
| Anne Arundel County Maryland | 118 | $ 21,426,000 | $ 181,000 | $ 82,000 |
| Broome County New York | 116 | $ 4,689,000 | $ 40,000 | $ 54,000 |
| Bedford County Pennsylvania | 104 | $ 6,065,000 | $ 58,000 | $ 34,000 |
| Prince William County Virginia | 96 | $ 40,056,000 | $ 417,000 | $ 61,000 |
| Lebanon County Pennsylvania | 94 | $ 7,552,000 | $ 80,000 | $ 61,000 |
| Allegany County Maryland | 91 | $ 5,250,000 | $ 57,000 | $ 34,000 |
| Clinton County Pennsylvania | 91 | $ 4,423,000 | $ 48,000 | $ 53,000 |
| Montgomery County Maryland | 85 | $ 31,038,000 | $ 365,000 | $ 78,000 |
| Washington County Maryland | 83 | $ 9,050,000 | $ 109,000 | $ 54,000 |
| Adams County Pennsylvania | 83 | $ 7,346,000 | $ 88,000 | $ 59,000 |
| Frederick County Maryland | 78 | $ 10,425,000 | $ 133,000 | $ 69,000 |
| Chautauqua County New York | 77 | $ 4,248,000 | $ 55,000 | $ 36,000 |
| Stafford County Virginia | 76 | $ 29,334,000 | $ 385,000 | $ 24,000 |
| Clearfield County Pennsylvania | 75 | $ 3,116,000 | $ 41,000 | $ 43,000 |
| Union County Pennsylvania | 71 | $ 5,486,000 | $ 77,000 | $ 58,000 |
| Prince George's County Maryland | 69 | $ 4,052,000 | $ 58,000 | $ 60,000 |
| Harford County Maryland | 68 | $ 6,224,000 | $ 91,000 | $ 56,000 |
| Cattaraugus County New York | 66 | $ 2,416,000 | $ 36,000 | $ 48,000 |
| Spotsylvania County Virginia | 65 | $ 19,937,000 | $ 306,000 | $ 0 |
| Suffolk County New York | 63 | $ 16,914,000 | $ 268,000 | $ 68,000 |
| Snyder County Pennsylvania | 63 | $ 2,753,000 | $ 43,000 | $ 60,000 |
| Columbia County Pennsylvania | 62 | $ 3,342,000 | $ 53,000 | $ 46,000 |
| Albany County New York | 61 | $ 9,215,000 | $ 151,000 | $ 38,000 |
| Lehigh County Pennsylvania | 61 | $ 4,751,000 | $ 77,000 | $ 59,000 |
| Rensselaer County New York | 57 | $ 5,361,000 | $ 94,000 | $ 46,000 |
| Philadelphia County Pennsylvania | 57 | $ 3,187,000 | $ 55,000 | $ 52,000 |
| Genesee County New York | 56 | $ 2,970,000 | $ 53,000 | $ 48,000 |
| Mineral County West Virginia | 54 | $ 2,513,000 | $ 46,000 | $ 37,000 |
| Cayuga County New York | 53 | $ 3,411,000 | $ 64,000 | $ 45,000 |
| Saratoga County New York | 51 | $ 7,993,000 | $ 156,000 | $ 60,000 |
| Queens County New York | 50 | $ 10,031,000 | $ 200,000 | $ 92,000 |
| Ulster County New York | 50 | $ 6,218,000 | $ 124,000 | $ 43,000 |
| King County Washington | 50 | $ 17,938,000 | $ 358,000 | $ 0 |
| Westchester County New York | 47 | $ 20,790,000 | $ 442,000 | $ 81,000 |
| Garrett County Maryland | 46 | $ 3,237,000 | $ 70,000 | $ 29,000 |
| Nassau County New York | 44 | $ 10,835,000 | $ 246,000 | $ 61,000 |
| Oneida County New York | 44 | $ 3,353,000 | $ 76,000 | $ 37,000 |
| Carbon County Pennsylvania | 43 | $ 2,205,000 | $ 51,000 | $ 36,000 |
| District of Columbia County District Of Columbia | 42 | $ 9,869,000 | $ 234,000 | $ 62,000 |
| Carroll County Maryland | 42 | $ 5,423,000 | $ 129,000 | $ 69,000 |
| Bergen County New Jersey | 42 | $ 13,626,000 | $ 324,000 | $ 0 |
| Bucks County Pennsylvania | 42 | $ 6,493,000 | $ 154,000 | $ 42,000 |
| Delaware County Pennsylvania | 42 | $ 3,100,000 | $ 73,000 | $ 52,000 |
| Lackawanna County Pennsylvania | 42 | $ 4,840,000 | $ 115,000 | $ 52,000 |
| Fairfax County Virginia | 39 | $ 17,052,000 | $ 437,000 | $ 84,000 |
| Montgomery County Pennsylvania | 37 | $ 4,765,000 | $ 128,000 | $ 65,000 |
| Calvert County Maryland | 35 | $ 6,989,000 | $ 199,000 | $ 64,000 |
| Schenectady County New York | 35 | $ 4,053,000 | $ 115,000 | $ 35,000 |
| Chester County Pennsylvania | 35 | $ 3,760,000 | $ 107,000 | $ 56,000 |
| Wicomico County Maryland | 34 | $ 2,117,000 | $ 62,000 | $ 50,000 |
| St. Mary's County Maryland | 33 | $ 4,200,000 | $ 127,000 | $ 55,000 |
| Madison County New York | 33 | $ 2,714,000 | $ 82,000 | $ 45,000 |
| Kings County New York | 32 | $ 6,169,000 | $ 192,000 | $ 84,000 |
| New York County New York | 32 | $ 49,062,000 | $ 1,533,000 | $ 17,000 |
| Tioga County New York | 31 | $ 1,156,000 | $ 37,000 | $ 53,000 |
| Northampton County Pennsylvania | 30 | $ 2,230,000 | $ 74,000 | $ 71,000 |
| Loudoun County Virginia | 29 | $ 7,873,000 | $ 271,000 | $ 93,000 |
| Howard County Maryland | 28 | $ 3,089,000 | $ 110,000 | $ 97,000 |
| Steuben County New York | 28 | $ 1,560,000 | $ 55,000 | $ 36,000 |
| Perry County Pennsylvania | 28 | $ 1,728,000 | $ 61,000 | $ 66,000 |
| Sussex County Delaware | 26 | $ 3,533,000 | $ 135,000 | $ 36,000 |
| Charles County Maryland | 26 | $ 1,547,000 | $ 59,000 | $ 45,000 |
| Ontario County New York | 25 | $ 3,249,000 | $ 129,000 | $ 50,000 |
| Wyoming County New York | 25 | $ 1,181,000 | $ 47,000 | $ 43,000 |
| Livingston County New York | 24 | $ 1,107,000 | $ 46,000 | $ 33,000 |
| Maricopa County Arizona | 23 | $ 5,919,000 | $ 257,000 | $ 0 |
| Oswego County New York | 23 | $ 1,026,000 | $ 44,000 | $ 53,000 |
| Chemung County New York | 22 | $ 1,030,000 | $ 46,000 | $ 39,000 |
| Richmond County New York | 22 | $ 2,999,000 | $ 136,000 | $ 58,000 |
| Tompkins County New York | 22 | $ 1,657,000 | $ 75,000 | $ 51,000 |
| Rockland County New York | 21 | $ 5,927,000 | $ 282,000 | $ 90,000 |
| Monroe County Pennsylvania | 21 | $ 2,704,000 | $ 128,000 | $ 49,000 |
| Worcester County Maryland | 20 | $ 4,364,000 | $ 218,000 | $ 42,000 |
| Licking County Ohio | 20 | $ 5,462,000 | $ 273,000 | $ 0 |
| Allegany County New York | 19 | $ 603,000 | $ 31,000 | $ 49,000 |
| Orleans County New York | 19 | $ 749,000 | $ 39,000 | $ 33,000 |
| Putnam County New York | 19 | $ 5,484,000 | $ 288,000 | $ 21,000 |
| Sullivan County New York | 19 | $ 1,656,000 | $ 87,000 | $ 45,000 |
| Montour County Pennsylvania | 19 | $ 2,187,000 | $ 115,000 | $ 30,000 |
| Clinton County New York | 18 | $ 1,810,000 | $ 100,000 | $ 40,000 |
| Sullivan County Pennsylvania | 18 | $ 1,449,000 | $ 80,000 | $ 36,000 |
| Salt Lake County Utah | 18 | $ 4,304,000 | $ 239,000 | $ 0 |
| Cecil County Maryland | 16 | $ 885,000 | $ 55,000 | $ 60,000 |
| Fulton County Pennsylvania | 16 | $ 920,000 | $ 57,000 | $ 51,000 |
| Wayne County New York | 15 | $ 649,000 | $ 43,000 | $ 31,000 |
| Otsego County New York | 14 | $ 1,642,000 | $ 117,000 | $ 17,000 |
| Cambria County Pennsylvania | 14 | $ 437,000 | $ 31,000 | $ 44,000 |
| Tioga County Pennsylvania | 14 | $ 890,000 | $ 63,000 | $ 27,000 |
| Davis County Utah | 13 | $ 3,067,000 | $ 235,000 | $ 0 |
| Delaware County Ohio | 12 | $ 3,983,000 | $ 331,000 | $ 0 |
| Wyoming County Pennsylvania | 12 | $ 955,000 | $ 79,000 | $ 103,000 |
| Caroline County Maryland | 11 | $ 830,000 | $ 75,000 | $ 40,000 |
| Hudson County New Jersey | 11 | $ 17,053,000 | $ 1,550,000 | $ 0 |
| Jefferson County New York | 11 | $ 1,334,000 | $ 121,000 | $ 27,000 |
| Susquehanna County Pennsylvania | 11 | $ 802,000 | $ 72,000 | $ 59,000 |
| Caroline County Virginia | 11 | $ 2,689,000 | $ 244,000 | $ 0 |
| Monmouth County New Jersey | 10 | $ 5,435,000 | $ 543,000 | $ 0 |
| Greene County New York | 10 | $ 1,123,000 | $ 112,000 | $ 22,000 |
| Franklin County Ohio | 10 | $ 2,322,000 | $ 232,000 | $ 0 |
| Clackamas County Oregon | 10 | $ 2,530,000 | $ 253,000 | $ 0 |
| Mifflin County Pennsylvania | 10 | $ 507,000 | $ 50,000 | $ 36,000 |
| Utah County Utah | 10 | $ 2,805,000 | $ 280,000 | $ 0 |
| Fairfield County Connecticut | 9 | $ 4,730,000 | $ 525,000 | $ 0 |
| Palm Beach County Florida | 9 | $ 3,944,000 | $ 438,000 | $ 0 |
| Queen Anne's County Maryland | 9 | $ 283,000 | $ 31,000 | $ 86,000 |
| Fairfield County Ohio | 9 | $ 1,606,000 | $ 178,000 | $ 10,000 |
| Fauquier County Virginia | 9 | $ 2,389,000 | $ 265,000 | $ 0 |
| Berkeley County West Virginia | 9 | $ 1,273,000 | $ 141,000 | $ 59,000 |
| Cook County Illinois | 8 | $ 1,457,000 | $ 182,000 | $ 0 |
| Columbia County New York | 8 | $ 1,707,000 | $ 213,000 | $ 14,000 |
| Franklin County New York | 8 | $ 867,000 | $ 108,000 | $ 16,000 |
| Seneca County New York | 8 | $ 535,000 | $ 66,000 | $ 40,000 |
| Huntingdon County Pennsylvania | 8 | $ 453,000 | $ 56,000 | $ 45,000 |
| Somerset County Pennsylvania | 8 | $ 273,000 | $ 34,000 | $ 27,000 |
| Lee County Florida | 7 | $ 2,423,000 | $ 346,000 | $ 0 |
| Essex County New York | 7 | $ 889,000 | $ 127,000 | $ 0 |
| Washington County New York | 7 | $ 475,000 | $ 67,000 | $ 31,000 |
| Pickaway County Ohio | 7 | $ 1,614,000 | $ 230,000 | $ 0 |
| Union County Ohio | 7 | $ 1,104,000 | $ 157,000 | $ 0 |
| Allegheny County Pennsylvania | 7 | $ 800,000 | $ 114,000 | $ 100,000 |
| Pike County Pennsylvania | 7 | $ 573,000 | $ 81,000 | $ 57,000 |
| Arlington County Virginia | 7 | $ 1,835,000 | $ 262,000 | $ 82,000 |
| Clark County Washington | 7 | $ 1,518,000 | $ 216,000 | $ 0 |
| Hampshire County West Virginia | 7 | $ 483,000 | $ 69,000 | $ 60,000 |
| Larimer County Colorado | 6 | $ 1,501,000 | $ 250,000 | $ 0 |
| New Castle County Delaware | 6 | $ 963,000 | $ 160,000 | $ 46,000 |
| Talbot County Maryland | 6 | $ 712,000 | $ 118,000 | $ 21,000 |
| Cape May County New Jersey | 6 | $ 3,121,000 | $ 520,000 | $ 0 |
| Bronx County New York | 6 | $ 1,265,000 | $ 210,000 | $ 52,000 |
| Chenango County New York | 6 | $ 762,000 | $ 127,000 | $ 38,000 |
| Cortland County New York | 6 | $ 129,000 | $ 21,000 | $ 39,000 |
| Warren County New York | 6 | $ 1,518,000 | $ 253,000 | $ 26,000 |
| Morrow County Ohio | 6 | $ 1,183,000 | $ 197,000 | $ 0 |
| Jefferson County West Virginia | 6 | $ 1,216,000 | $ 202,000 | $ 64,000 |
| Yuma County Arizona | 5 | $ 819,000 | $ 163,000 | $ 0 |
| Riverside County California | 5 | $ 1,366,000 | $ 273,000 | $ 0 |
| Miami-Dade County Florida | 5 | $ 1,913,000 | $ 382,000 | $ 0 |
| Morris County New Jersey | 5 | $ 1,556,000 | $ 311,000 | $ 0 |
| Knox County Ohio | 5 | $ 913,000 | $ 182,000 | $ 0 |
| Multnomah County Oregon | 5 | $ 1,208,000 | $ 241,000 | $ 0 |
| Cache County Utah | 5 | $ 932,000 | $ 186,000 | $ 0 |
| Weber County Utah | 5 | $ 1,102,000 | $ 220,000 | $ 0 |
| Denver County Colorado | 4 | $ 616,000 | $ 154,000 | $ 0 |
| El Paso County Colorado | 4 | $ 1,173,000 | $ 293,000 | $ 0 |
| Jefferson County Colorado | 4 | $ 1,233,000 | $ 308,000 | $ 0 |
| Hillsborough County Florida | 4 | $ 669,000 | $ 167,000 | $ 0 |
| St. Lucie County Florida | 4 | $ 765,000 | $ 191,000 | $ 0 |
| Dorchester County Maryland | 4 | $ 548,000 | $ 137,000 | $ 16,000 |
| Clark County Nevada | 4 | $ 1,254,000 | $ 313,000 | $ 0 |
| Mercer County New Jersey | 4 | $ 1,569,000 | $ 392,000 | $ 0 |
| Lewis County New York | 4 | $ 250,000 | $ 62,000 | $ 29,000 |
| Buncombe County North Carolina | 4 | $ 771,000 | $ 192,000 | $ 0 |
| Haywood County North Carolina | 4 | $ 651,000 | $ 162,000 | $ 0 |
| Hocking County Ohio | 4 | $ 1,099,000 | $ 274,000 | $ 0 |
| Lane County Oregon | 4 | $ 534,000 | $ 133,000 | $ 0 |
| Juniata County Pennsylvania | 4 | $ 251,000 | $ 62,000 | $ 32,000 |
| Wayne County Pennsylvania | 4 | $ 178,000 | $ 44,000 | $ 58,000 |
| Harris County Texas | 4 | $ 589,000 | $ 147,000 | $ 0 |
| Uintah County Utah | 4 | $ 712,000 | $ 178,000 | $ 0 |
| Culpeper County Virginia | 4 | $ 1,092,000 | $ 273,000 | $ 0 |
| Orange County Virginia | 4 | $ 1,334,000 | $ 333,000 | $ 0 |
| Yavapai County Arizona | 3 | $ 911,000 | $ 303,000 | $ 0 |
| Douglas County Colorado | 3 | $ 926,000 | $ 308,000 | $ 0 |
| Eagle County Colorado | 3 | $ 784,000 | $ 261,000 | $ 0 |
| Litchfield County Connecticut | 3 | $ 671,000 | $ 223,000 | $ 0 |
| New Haven County Connecticut | 3 | $ 1,586,000 | $ 528,000 | $ 0 |
| Collier County Florida | 3 | $ 5,000,000 | $ 1,666,000 | $ 0 |
| Polk County Florida | 3 | $ 752,000 | $ 250,000 | $ 0 |
| Cherokee County Georgia | 3 | $ 359,000 | $ 119,000 | $ 0 |
| Ada County Idaho | 3 | $ 448,000 | $ 149,000 | $ 0 |
| Somerset County Maryland | 3 | $ 213,000 | $ 71,000 | $ 29,000 |
| Norfolk County Massachusetts | 3 | $ 1,166,000 | $ 388,000 | $ 0 |
| Monroe County Michigan | 3 | $ 797,000 | $ 265,000 | $ 0 |
| Hennepin County Minnesota | 3 | $ 410,000 | $ 136,000 | $ 0 |
| Middlesex County New Jersey | 3 | $ 949,000 | $ 316,000 | $ 0 |
| Ocean County New Jersey | 3 | $ 868,000 | $ 289,000 | $ 0 |
| Somerset County New Jersey | 3 | $ 805,000 | $ 268,000 | $ 0 |
| Delaware County New York | 3 | $ 497,000 | $ 165,000 | $ 0 |
| Schoharie County New York | 3 | $ 95,000 | $ 31,000 | $ 44,000 |
| Yates County New York | 3 | $ 39,000 | $ 13,000 | $ 50,000 |
| Logan County Ohio | 3 | $ 631,000 | $ 210,000 | $ 0 |
| Madison County Ohio | 3 | $ 837,000 | $ 279,000 | $ 0 |
| Pike County Ohio | 3 | $ 439,000 | $ 146,000 | $ 0 |
| Washington County Oregon | 3 | $ 418,000 | $ 139,000 | $ 0 |
| Erie County Pennsylvania | 3 | $ 862,000 | $ 287,000 | $ 48,000 |
| Westmoreland County Pennsylvania | 3 | $ 516,000 | $ 172,000 | $ 52,000 |
| Washington County Rhode Island | 3 | $ 1,648,000 | $ 549,000 | $ 0 |
| Horry County South Carolina | 3 | $ 558,000 | $ 186,000 | $ 0 |
| Bexar County Texas | 3 | $ 143,000 | $ 47,000 | $ 0 |
| Tooele County Utah | 3 | $ 717,000 | $ 239,000 | $ 0 |
| Washington County Utah | 3 | $ 689,000 | $ 229,000 | $ 0 |
| Windsor County Vermont | 3 | $ 945,000 | $ 315,000 | $ 0 |
| Alexandria County Virginia | 3 | $ 642,000 | $ 214,000 | $ 33,000 |
| Chesapeake County Virginia | 3 | $ 40,000 | $ 13,000 | $ 115,000 |
| Chesterfield County Virginia | 3 | $ 629,000 | $ 209,000 | $ 0 |
| King George County Virginia | 3 | $ 855,000 | $ 285,000 | $ 0 |
| San Juan County Washington | 3 | $ 772,000 | $ 257,000 | $ 0 |
| Gila County Arizona | 2 | $ 357,000 | $ 178,000 | $ 0 |
| Pima County Arizona | 2 | $ 776,000 | $ 388,000 | $ 0 |
| Ventura County California | 2 | $ 1,279,000 | $ 639,000 | $ 0 |
| Arapahoe County Colorado | 2 | $ 221,000 | $ 110,000 | $ 0 |
| Gilpin County Colorado | 2 | $ 564,000 | $ 282,000 | $ 0 |
| Park County Colorado | 2 | $ 573,000 | $ 286,000 | $ 0 |
| Middlesex County Connecticut | 2 | $ 768,000 | $ 384,000 | $ 0 |
| New London County Connecticut | 2 | $ 695,000 | $ 347,000 | $ 0 |
| Kent County Delaware | 2 | $ 205,000 | $ 102,000 | $ 0 |
| Bay County Florida | 2 | $ 835,000 | $ 417,000 | $ 0 |
| Broward County Florida | 2 | $ 804,000 | $ 402,000 | $ 0 |
| Osceola County Florida | 2 | $ 261,000 | $ 130,000 | $ 0 |
| Santa Rosa County Florida | 2 | $ 215,000 | $ 107,000 | $ 0 |
| Seminole County Florida | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Volusia County Florida | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Clayton County Georgia | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Fulton County Georgia | 2 | $ 402,000 | $ 201,000 | $ 0 |
| DuPage County Illinois | 2 | $ 534,000 | $ 267,000 | $ 0 |
| Will County Illinois | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Elkhart County Indiana | 2 | $ 433,000 | $ 216,000 | $ 0 |
| Marion County Indiana | 2 | $ 302,000 | $ 151,000 | $ 30,000 |
| Washington County Indiana | 2 | $ 136,000 | $ 68,000 | $ 0 |
| Androscoggin County Maine | 2 | $ 379,000 | $ 189,000 | $ 0 |
| Kennebec County Maine | 2 | $ 335,000 | $ 167,000 | $ 0 |
| Kent County Maryland | 2 | $ 481,000 | $ 240,000 | $ 32,000 |
| Bristol County Massachusetts | 2 | $ 716,000 | $ 358,000 | $ 0 |
| Worcester County Massachusetts | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Carroll County New Hampshire | 2 | $ 506,000 | $ 253,000 | $ 0 |
| Grafton County New Hampshire | 2 | $ 934,000 | $ 467,000 | $ 0 |
| Rockingham County New Hampshire | 2 | $ 461,000 | $ 230,000 | $ 0 |
| Atlantic County New Jersey | 2 | $ 1,416,000 | $ 708,000 | $ 0 |
| Hunterdon County New Jersey | 2 | $ 934,000 | $ 467,000 | $ 0 |
| Salem County New Jersey | 2 | $ 487,000 | $ 243,000 | $ 0 |
| Herkimer County New York | 2 | $ 151,000 | $ 75,000 | $ 0 |
| Montgomery County New York | 2 | $ 19,000 | $ 9,000 | $ 45,000 |
| Schuyler County New York | 2 | $ 78,000 | $ 39,000 | $ 82,000 |
| St. Lawrence County New York | 2 | $ 49,000 | $ 24,000 | $ 27,000 |
| Allen County Ohio | 2 | $ 157,000 | $ 78,000 | $ 0 |
| Champaign County Ohio | 2 | $ 283,000 | $ 141,000 | $ 17,000 |
| Perry County Ohio | 2 | $ 475,000 | $ 237,000 | $ 0 |
| Portage County Ohio | 2 | $ 411,000 | $ 205,000 | $ 26,000 |
| Summit County Ohio | 2 | $ 381,000 | $ 190,000 | $ 0 |
| Tuscarawas County Ohio | 2 | $ 43,000 | $ 21,000 | $ 37,000 |
| Armstrong County Pennsylvania | 2 | $ 114,000 | $ 57,000 | $ 21,000 |
| Beaver County Pennsylvania | 2 | $ 25,000 | $ 12,000 | $ 58,000 |
| Butler County Pennsylvania | 2 | $ 911,000 | $ 455,000 | $ 0 |
| Elk County Pennsylvania | 2 | $ 28,000 | $ 14,000 | $ 54,000 |
| Fayette County Pennsylvania | 2 | $ 227,000 | $ 113,000 | $ 14,000 |
| Montgomery County Texas | 2 | $ 571,000 | $ 285,000 | $ 0 |
| Summit County Utah | 2 | $ 1,019,000 | $ 509,000 | $ 0 |
| Accomack County Virginia | 2 | $ 165,000 | $ 82,000 | $ 25,000 |
| Fluvanna County Virginia | 2 | $ 485,000 | $ 242,000 | $ 0 |
| Henrico County Virginia | 2 | $ 25,000 | $ 12,000 | $ 73,000 |
| Louisa County Virginia | 2 | $ 872,000 | $ 436,000 | $ 0 |
| Nelson County Virginia | 2 | $ 1,531,000 | $ 765,000 | $ 0 |
| Virginia Beach County Virginia | 2 | $ 996,000 | $ 498,000 | $ 0 |
| Warren County Virginia | 2 | $ 404,000 | $ 202,000 | $ 0 |
| Cowlitz County Washington | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Snohomish County Washington | 2 | $ 443,000 | $ 221,000 | $ 0 |
| Spokane County Washington | 2 | $ 195,000 | $ 97,000 | $ 0 |
| Harrison County West Virginia | 2 | $ 18,000 | $ 9,000 | $ 51,000 |
| Kanawha County West Virginia | 2 | $ 734,000 | $ 367,000 | $ 0 |
| Morgan County West Virginia | 2 | $ 50,000 | $ 25,000 | $ 31,000 |
| Elmore County Alabama | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Jackson County Alabama | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Madison County Alabama | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Marshall County Alabama | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Winston County Alabama | 1 | $ 473,000 | $ 473,000 | $ 0 |
| Pinal County Arizona | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Los Angeles County California | 1 | $ 400,000 | $ 400,000 | $ 0 |
| San Diego County California | 1 | $ 462,000 | $ 462,000 | $ 0 |
| Sonoma County California | 1 | $ 509,000 | $ 509,000 | $ 0 |
| Adams County Colorado | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Baca County Colorado | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Elbert County Colorado | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Pueblo County Colorado | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Summit County Colorado | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Hartford County Connecticut | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Charlotte County Florida | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Flagler County Florida | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Hernando County Florida | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Indian River County Florida | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Marion County Florida | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Monroe County Florida | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Orange County Florida | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Pasco County Florida | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Sarasota County Florida | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Sumter County Florida | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Wakulla County Florida | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Crisp County Georgia | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Glynn County Georgia | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Gwinnett County Georgia | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Rockdale County Georgia | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Bear Lake County Idaho | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Bonneville County Idaho | 1 | $ 579,000 | $ 579,000 | $ 0 |
| Lake County Illinois | 1 | $ 70,000 | $ 70,000 | $ 0 |
| McHenry County Illinois | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Blackford County Indiana | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Boone County Indiana | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Hancock County Indiana | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Howard County Indiana | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Jennings County Indiana | 1 | $ 6,000 | $ 6,000 | $ 35,000 |
| LaPorte County Indiana | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Monroe County Indiana | 1 | $ 612,000 | $ 612,000 | $ 0 |
| Ohio County Indiana | 1 | $ 22,000 | $ 22,000 | $ 56,000 |
| Henry County Kentucky | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Jessamine County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Oldham County Kentucky | 1 | $ 309,000 | $ 309,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Orleans County Louisiana | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Ouachita County Louisiana | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Cumberland County Maine | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Penobscot County Maine | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Sagadahoc County Maine | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Berkshire County Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Hampden County Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Clinton County Michigan | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Genesee County Michigan | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Ionia County Michigan | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Jackson County Michigan | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Lenawee County Michigan | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Livingston County Michigan | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Oakland County Michigan | 1 | $ 13,750,000 | $ 13,750,000 | $ 0 |
| Van Buren County Michigan | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Wayne County Michigan | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Itasca County Minnesota | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Wright County Minnesota | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Jackson County Mississippi | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Marshall County Mississippi | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Monroe County Mississippi | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Boone County Missouri | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Jefferson County Missouri | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Gallatin County Montana | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Ravalli County Montana | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Yellowstone County Montana | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Lyon County Nevada | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Washoe County Nevada | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Hillsborough County New Hampshire | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Merrimack County New Hampshire | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Strafford County New Hampshire | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Sullivan County New Hampshire | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Camden County New Jersey | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Essex County New Jersey | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Gloucester County New Jersey | 1 | $ 22,000 | $ 22,000 | $ 41,000 |
| Sussex County New Jersey | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Union County New Jersey | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Cabarrus County North Carolina | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Carteret County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Chatham County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Graham County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Macon County North Carolina | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Nash County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Rutherford County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 472,000 | $ 472,000 | $ 0 |
| Ashtabula County Ohio | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Carroll County Ohio | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Clermont County Ohio | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Clinton County Ohio | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Coshocton County Ohio | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Greene County Ohio | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Lucas County Ohio | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Marion County Ohio | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Mercer County Ohio | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Morgan County Ohio | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Muskingum County Ohio | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Ross County Ohio | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Stark County Ohio | 1 | $ 20,000 | $ 20,000 | $ 31,000 |
| Hood River County Oregon | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Jackson County Oregon | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Klamath County Oregon | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Cameron County Pennsylvania | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Indiana County Pennsylvania | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Jefferson County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 72,000 |
| Lawrence County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 24,000 |
| Warren County Pennsylvania | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Washington County Pennsylvania | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Newport County Rhode Island | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Clarendon County South Carolina | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Parker County Texas | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Randall County Texas | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Travis County Texas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Rich County Utah | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Sanpete County Utah | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Caledonia County Vermont | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Chittenden County Vermont | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Franklin County Vermont | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Lamoille County Vermont | 1 | $ 421,000 | $ 421,000 | $ 0 |
| Washington County Vermont | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Bedford County Virginia | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Botetourt County Virginia | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Dinwiddie County Virginia | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Frederick County Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Fredericksburg County Virginia | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Hanover County Virginia | 1 | $ 15,000 | $ 15,000 | $ 93,000 |
| Harrisonburg County Virginia | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Lancaster County Virginia | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Mecklenburg County Virginia | 1 | $ 7,000 | $ 7,000 | $ 87,000 |
| Norfolk County Virginia | 1 | $ 10,000 | $ 10,000 | $ 71,000 |
| Nottoway County Virginia | 1 | $ 13,000 | $ 13,000 | $ 300,000 |
| Rappahannock County Virginia | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Roanoke City County Virginia | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Rockingham County Virginia | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Shenandoah County Virginia | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Westmoreland County Virginia | 1 | $ 66,000 | $ 66,000 | $ 66,000 |
| Winchester County Virginia | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Wise County Virginia | 1 | $ 10,000 | $ 10,000 | $ 87,000 |
| York County Virginia | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Island County Washington | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Kitsap County Washington | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Mason County Washington | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Pend Oreille County Washington | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Pierce County Washington | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Whatcom County Washington | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Mercer County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Monongalia County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Preston County West Virginia | 1 | $ 30,000 | $ 30,000 | $ 63,000 |
| Putnam County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Wetzel County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Wirt County West Virginia | 1 | $ 13,000 | $ 13,000 | $ 157,000 |
| Wood County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Lincoln County 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.