M&T Bank Mortgage Lending & HMDA Data, 2006

In 2006, M&T Bank of Buffalo, NY reported 16,463 mortgage applications totaling $1.9 billion, up 64% from 2005. The average application was for $113,044, and applicants reported an average income of $32,938. 24% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Buffalo-Niagara Falls, NY (1,365), Baltimore-Towson, MD (1,043) and York-Hanover, PA (745) (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 16,463
Total Mortgage Loan Application Amount $1,861,045,000
Average Mortgage Loan Application Amount $113,044
Highest Mortgage Loan Application Amount $48,000,000
Average Applicant Income $32,938
Highest Applicant Income $2,450,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for M&T Bank by County in 2006

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 1,159 $ 68,383,000 $ 59,001 $ 29,000
York, Pennsylvania 745 $ 52,566,000 $ 70,558 $ 57,000
Luzerne, Pennsylvania 544 $ 30,189,000 $ 55,494 $ 49,000
Monroe, New York 426 $ 23,245,000 $ 54,565 $ 36,000
Onondaga, New York 369 $ 23,535,000 $ 63,780 $ 38,000
Berks, Pennsylvania 363 $ 18,474,000 $ 50,892 $ 51,000
Blair, Pennsylvania 363 $ 19,608,000 $ 54,016 $ 37,000
Schuylkill, Pennsylvania 362 $ 13,910,000 $ 38,425 $ 46,000
Baltimore, Maryland 351 $ 39,138,000 $ 111,504 $ 45,000
Baltimore City, Maryland 315 $ 25,082,000 $ 79,625 $ 28,000
Franklin, Pennsylvania 291 $ 23,673,000 $ 81,350 $ 50,000
Dauphin, Pennsylvania 266 $ 13,409,000 $ 50,409 $ 50,000
Cumberland, Pennsylvania 234 $ 18,412,000 $ 78,683 $ 46,000
Dutchess, New York 206 $ 27,814,000 $ 135,019 $ 47,000
Niagara, New York 206 $ 10,748,000 $ 52,174 $ 31,000
Cook, Illinois 204 $ 46,600,000 $ 228,431 $ 0
Centre, Pennsylvania 198 $ 13,994,000 $ 70,676 $ 50,000
Orange, New York 189 $ 24,861,000 $ 131,539 $ 38,000
Lycoming, Pennsylvania 186 $ 8,913,000 $ 47,919 $ 49,000
Lancaster, Pennsylvania 172 $ 14,943,000 $ 86,877 $ 48,000
Bedford, Pennsylvania 160 $ 8,253,000 $ 51,581 $ 41,000
Bradford, Pennsylvania 159 $ 7,540,000 $ 47,421 $ 55,000
Broome, New York 158 $ 8,383,000 $ 53,056 $ 37,000
Northumberland, Pennsylvania 156 $ 7,692,000 $ 49,307 $ 40,000
Anne Arundel, Maryland 149 $ 16,706,000 $ 112,120 $ 57,000
Allegany, Maryland 140 $ 7,409,000 $ 52,921 $ 36,000
Montgomery, Maryland 136 $ 32,327,000 $ 237,698 $ 43,000
Adams, Pennsylvania 135 $ 10,747,000 $ 79,607 $ 58,000
Prince George's, Maryland 130 $ 16,819,000 $ 129,376 $ 40,000
Washington, Maryland 127 $ 10,400,000 $ 81,889 $ 38,000
Harford, Maryland 125 $ 8,461,000 $ 67,688 $ 52,000
Chautauqua, New York 124 $ 5,468,000 $ 44,096 $ 38,000
Ulster, New York 117 $ 10,154,000 $ 86,786 $ 40,000
Clearfield, Pennsylvania 106 $ 4,445,000 $ 41,933 $ 25,000
Philadelphia, Pennsylvania 105 $ 4,997,000 $ 47,590 $ 33,000
Suffolk, New York 104 $ 24,934,000 $ 239,750 $ 36,000
Clinton, Pennsylvania 103 $ 4,663,000 $ 45,271 $ 47,000
Garrett, Maryland 97 $ 4,995,000 $ 51,494 $ 36,000
Albany, New York 97 $ 12,436,000 $ 128,206 $ 20,000
Columbia, Pennsylvania 92 $ 4,927,000 $ 53,554 $ 50,000
Mineral, West Virginia 92 $ 4,277,000 $ 46,489 $ 37,000
Lebanon, Pennsylvania 89 $ 5,947,000 $ 66,820 $ 49,000
Lackawanna, Pennsylvania 86 $ 6,313,000 $ 73,406 $ 56,000
Frederick, Maryland 85 $ 11,376,000 $ 133,835 $ 45,000
Genesee, New York 85 $ 4,844,000 $ 56,988 $ 32,000
Queens, New York 85 $ 16,881,000 $ 198,600 $ 30,000
Snyder, Pennsylvania 81 $ 3,867,000 $ 47,740 $ 43,000
Saratoga, New York 79 $ 13,604,000 $ 172,202 $ 21,000
Delaware, Pennsylvania 78 $ 5,273,000 $ 67,602 $ 61,000
Cattaraugus, New York 75 $ 4,418,000 $ 58,906 $ 43,000
Oneida, New York 70 $ 3,453,000 $ 49,328 $ 29,000
Rensselaer, New York 70 $ 7,061,000 $ 100,871 $ 20,000
Union, Pennsylvania 68 $ 3,047,000 $ 44,808 $ 48,000
District of Columbia, District Of Columbia 66 $ 9,593,000 $ 145,348 $ 33,000
Lehigh, Pennsylvania 66 $ 4,956,000 $ 75,090 $ 46,000
Westchester, New York 63 $ 19,739,000 $ 313,317 $ 20,000
Wicomico, Maryland 61 $ 3,522,000 $ 57,737 $ 51,000
Kings, New York 61 $ 10,534,000 $ 172,688 $ 43,000
Cayuga, New York 57 $ 3,193,000 $ 56,017 $ 35,000
Wyoming, New York 57 $ 2,219,000 $ 38,929 $ 40,000
Maricopa, Arizona 56 $ 15,495,000 $ 276,696 $ 0
Rockland, New York 56 $ 9,205,000 $ 164,375 $ 69,000
Sussex, Delaware 54 $ 4,789,000 $ 88,685 $ 42,000
Calvert, Maryland 54 $ 6,649,000 $ 123,129 $ 66,000
Monroe, Pennsylvania 54 $ 6,430,000 $ 119,074 $ 50,000
Carroll, Maryland 53 $ 4,710,000 $ 88,867 $ 59,000
Nassau, New York 51 $ 11,785,000 $ 231,078 $ 63,000
Orleans, New York 49 $ 1,544,000 $ 31,510 $ 45,000
Carbon, Pennsylvania 47 $ 2,464,000 $ 52,425 $ 35,000
Tioga, New York 45 $ 1,899,000 $ 42,200 $ 37,000
Bexar, Texas 45 $ 4,700,000 $ 104,444 $ 0
Schenectady, New York 43 $ 5,618,000 $ 130,651 $ 9,000
St. Tammany, Louisiana 42 $ 6,803,000 $ 161,976 $ 0
Sullivan, New York 42 $ 3,723,000 $ 88,642 $ 39,000
Fairfax, Virginia 42 $ 13,097,000 $ 311,833 $ 42,000
Hillsborough, Florida 40 $ 6,491,000 $ 162,275 $ 0
Charles, Maryland 40 $ 5,656,000 $ 141,400 $ 48,000
Montgomery, Pennsylvania 40 $ 4,587,000 $ 114,675 $ 110,000
DuPage, Illinois 39 $ 9,864,000 $ 252,923 $ 0
Salt Lake, Utah 39 $ 8,102,000 $ 207,743 $ 0
Prince William, Virginia 39 $ 11,512,000 $ 295,179 $ 17,000
Will, Illinois 38 $ 7,443,000 $ 195,868 $ 0
Allegany, New York 38 $ 1,222,000 $ 32,157 $ 44,000
Steuben, New York 38 $ 1,623,000 $ 42,710 $ 32,000
Bucks, Pennsylvania 37 $ 4,216,000 $ 113,945 $ 45,000
Shelby, Tennessee 37 $ 4,181,000 $ 113,000 $ 0
Howard, Maryland 36 $ 4,645,000 $ 129,027 $ 72,000
Livingston, New York 36 $ 1,680,000 $ 46,666 $ 30,000
New York, New York 36 $ 77,947,000 $ 2,165,194 $ 31,000
Wayne, New York 35 $ 1,054,000 $ 30,114 $ 44,000
Chester, Pennsylvania 35 $ 5,101,000 $ 145,742 $ 50,000
Los Angeles, California 34 $ 12,383,000 $ 364,205 $ 0
Bergen, New Jersey 34 $ 12,743,000 $ 374,794 $ 3,000
Oswego, New York 34 $ 1,256,000 $ 36,941 $ 42,000
Cambria, Pennsylvania 34 $ 1,507,000 $ 44,323 $ 47,000
King, Washington 34 $ 10,581,000 $ 311,205 $ 0
Pinellas, Florida 32 $ 6,671,000 $ 208,468 $ 0
Richmond, New York 32 $ 6,346,000 $ 198,312 $ 26,000
Cecil, Maryland 30 $ 1,572,000 $ 52,400 $ 52,000
St. Mary's, Maryland 30 $ 5,204,000 $ 173,466 $ 31,000
Northampton, Pennsylvania 30 $ 3,711,000 $ 123,700 $ 45,000
East Baton Rouge, Louisiana 29 $ 3,980,000 $ 137,241 $ 0
Madison, New York 28 $ 1,915,000 $ 68,392 $ 29,000
Perry, Pennsylvania 28 $ 1,878,000 $ 67,071 $ 44,000
Utah, Utah 28 $ 7,696,000 $ 274,857 $ 0
Lauderdale, Alabama 27 $ 2,995,000 $ 110,925 $ 0
Putnam, New York 27 $ 4,873,000 $ 180,481 $ 34,000
Pike, Pennsylvania 27 $ 2,791,000 $ 103,370 $ 38,000
Stafford, Virginia 27 $ 10,161,000 $ 376,333 $ 2,000
Orange, Florida 26 $ 5,852,000 $ 225,076 $ 0
McHenry, Illinois 26 $ 5,762,000 $ 221,615 $ 0
Marion, Indiana 26 $ 2,464,000 $ 94,769 $ 0
Ontario, New York 26 $ 2,635,000 $ 101,346 $ 39,000
Montour, Pennsylvania 26 $ 2,189,000 $ 84,192 $ 69,000
Wyoming, Pennsylvania 26 $ 1,705,000 $ 65,576 $ 44,000
Broward, Florida 25 $ 5,607,000 $ 224,280 $ 0
Davis, Utah 25 $ 6,631,000 $ 265,240 $ 0
Loudoun, Virginia 25 $ 6,890,000 $ 275,600 $ 51,000
Bronx, New York 24 $ 3,523,000 $ 146,791 $ 30,000
Hennepin, Minnesota 23 $ 5,665,000 $ 246,304 $ 0
Otsego, New York 23 $ 2,908,000 $ 126,434 $ 8,000
Multnomah, Oregon 23 $ 5,961,000 $ 259,173 $ 0
DeKalb, Georgia 22 $ 4,047,000 $ 183,954 $ 0
Lee, Mississippi 22 $ 2,221,000 $ 100,954 $ 0
Tompkins, New York 22 $ 3,379,000 $ 153,590 $ 50,000
Franklin, Ohio 22 $ 3,984,000 $ 181,090 $ 0
Allegheny, Pennsylvania 22 $ 3,561,000 $ 161,863 $ 3,000
Pasco, Florida 21 $ 4,021,000 $ 191,476 $ 0
Kane, Illinois 21 $ 4,391,000 $ 209,095 $ 0
Worcester, Maryland 21 $ 3,802,000 $ 181,047 $ 38,000
Cortland, New York 21 $ 1,056,000 $ 50,285 $ 30,000
Delaware, Ohio 21 $ 7,852,000 $ 373,904 $ 0
Okaloosa, Florida 20 $ 4,520,000 $ 226,000 $ 0
Lake, Illinois 20 $ 4,856,000 $ 242,800 $ 0
Fairfield, Connecticut 19 $ 8,384,000 $ 441,263 $ 0
Chemung, New York 19 $ 514,000 $ 27,052 $ 36,000
Columbia, New York 19 $ 2,459,000 $ 129,421 $ 20,000
Fulton, Pennsylvania 19 $ 1,729,000 $ 91,000 $ 32,000
Davidson, Tennessee 19 $ 3,557,000 $ 187,210 $ 0
Berkeley, West Virginia 19 $ 1,429,000 $ 75,210 $ 22,000
Baldwin, Alabama 18 $ 4,616,000 $ 256,444 $ 0
Jefferson, Louisiana 18 $ 2,513,000 $ 139,611 $ 0
Greene, New York 18 $ 2,505,000 $ 139,166 $ 62,000
Jefferson, Alabama 17 $ 2,544,000 $ 149,647 $ 0
Palm Beach, Florida 17 $ 4,527,000 $ 266,294 $ 0
Cobb, Georgia 17 $ 3,347,000 $ 196,882 $ 0
St. Louis, Missouri 17 $ 1,489,000 $ 87,588 $ 0
Licking, Ohio 17 $ 3,516,000 $ 206,823 $ 0
Mifflin, Pennsylvania 17 $ 1,280,000 $ 75,294 $ 45,000
Lee, Florida 16 $ 3,915,000 $ 244,687 $ 0
Fulton, Georgia 16 $ 2,488,000 $ 155,500 $ 0
Jefferson, New York 16 $ 2,308,000 $ 144,250 $ 23,000
Gwinnett, Georgia 15 $ 2,757,000 $ 183,800 $ 0
Caroline, Maryland 15 $ 984,000 $ 65,600 $ 48,000
Hinds, Mississippi 15 $ 1,380,000 $ 92,000 $ 0
Fairfield, Ohio 15 $ 3,059,000 $ 203,933 $ 0
Washington, Oregon 15 $ 3,745,000 $ 249,666 $ 0
Huntingdon, Pennsylvania 15 $ 1,597,000 $ 106,466 $ 56,000
Westmoreland, Pennsylvania 15 $ 1,884,000 $ 125,600 $ 16,000
Spotsylvania, Virginia 15 $ 4,934,000 $ 328,933 $ 0
Montgomery, Alabama 14 $ 2,053,000 $ 146,642 $ 0
Volusia, Florida 14 $ 2,995,000 $ 213,928 $ 0
Queen Anne's, Maryland 14 $ 2,572,000 $ 183,714 $ 37,000
Washington, New York 14 $ 1,811,000 $ 129,357 $ 26,000
Pickaway, Ohio 14 $ 3,824,000 $ 273,142 $ 0
Tioga, Pennsylvania 14 $ 991,000 $ 70,785 $ 15,000
Madison, Alabama 13 $ 1,636,000 $ 125,846 $ 0
Marion, Alabama 13 $ 1,110,000 $ 85,384 $ 0
Litchfield, Connecticut 13 $ 2,882,000 $ 221,692 $ 14,000
Seminole, Florida 13 $ 2,522,000 $ 194,000 $ 0
Orleans, Louisiana 13 $ 2,521,000 $ 193,923 $ 0
Cumberland, Maine 13 $ 2,794,000 $ 214,923 $ 0
New Hanover, North Carolina 13 $ 1,693,000 $ 130,230 $ 0
Montgomery, Ohio 13 $ 1,281,000 $ 98,538 $ 0
Sullivan, Pennsylvania 13 $ 611,000 $ 47,000 $ 42,000
Knox, Tennessee 13 $ 1,752,000 $ 134,769 $ 0
McMinn, Tennessee 13 $ 1,315,000 $ 101,153 $ 0
Hartford, Connecticut 12 $ 3,028,000 $ 252,333 $ 0
Escambia, Florida 12 $ 1,890,000 $ 157,500 $ 0
Miami-Dade, Florida 12 $ 3,173,000 $ 264,416 $ 0
Polk, Florida 12 $ 2,515,000 $ 209,583 $ 0
Ada, Idaho 12 $ 2,295,000 $ 191,250 $ 0
Monroe, Mississippi 12 $ 817,000 $ 68,083 $ 0
Clark, Nevada 12 $ 2,794,000 $ 232,833 $ 0
Warren, New York 12 $ 2,258,000 $ 188,166 $ 16,000
Rutherford, Tennessee 12 $ 1,836,000 $ 153,000 $ 0
Clark, Washington 12 $ 3,645,000 $ 303,750 $ 0
St. Lucie, Florida 11 $ 3,195,000 $ 290,454 $ 0
Somerset, Maryland 11 $ 665,000 $ 60,454 $ 72,000
Herkimer, New York 11 $ 1,398,000 $ 127,090 $ 35,000
Seneca, New York 11 $ 625,000 $ 56,818 $ 61,000
Somerset, Pennsylvania 11 $ 529,000 $ 48,090 $ 32,000
Pierce, Washington 11 $ 2,139,000 $ 194,454 $ 0
Colbert, Alabama 10 $ 888,000 $ 88,800 $ 0
Ascension, Louisiana 10 $ 1,411,000 $ 141,100 $ 0
Dorchester, Maryland 10 $ 1,282,000 $ 128,200 $ 16,000
Middlesex, Massachusetts 10 $ 3,520,000 $ 352,000 $ 0
Oakland, Michigan 10 $ 2,978,000 $ 297,800 $ 0
Clackamas, Oregon 10 $ 3,270,000 $ 327,000 $ 0
Susquehanna, Pennsylvania 10 $ 671,000 $ 67,100 $ 42,000
Bradley, Tennessee 10 $ 526,000 $ 52,600 $ 0
Greene, Tennessee 10 $ 1,104,000 $ 110,400 $ 0
Harris, Texas 10 $ 1,464,000 $ 146,400 $ 0
Tooele, Utah 10 $ 1,969,000 $ 196,900 $ 0
Snohomish, Washington 10 $ 2,343,000 $ 234,300 $ 0
Mobile, Alabama 9 $ 1,006,000 $ 111,777 $ 0
Douglas, Colorado 9 $ 6,215,000 $ 690,555 $ 0
Kent, Delaware 9 $ 600,000 $ 66,666 $ 24,000
Osceola, Florida 9 $ 1,369,000 $ 152,111 $ 0
Santa Rosa, Florida 9 $ 1,260,000 $ 140,000 $ 0
Lowndes, Mississippi 9 $ 908,000 $ 100,888 $ 0
Hillsborough, New Hampshire 9 $ 2,895,000 $ 321,666 $ 0
Middlesex, New Jersey 9 $ 3,149,000 $ 349,888 $ 0
Passaic, New Jersey 9 $ 2,692,000 $ 299,111 $ 0
Chenango, New York 9 $ 474,000 $ 52,666 $ 20,000
Buncombe, North Carolina 9 $ 1,634,000 $ 181,555 $ 0
Clark, Ohio 9 $ 868,000 $ 96,444 $ 0
Union, Ohio 9 $ 2,205,000 $ 245,000 $ 0
Sullivan, Tennessee 9 $ 865,000 $ 96,111 $ 0
Weber, Utah 9 $ 1,506,000 $ 167,333 $ 0
Chesterfield, Virginia 9 $ 1,565,000 $ 173,888 $ 42,000
King George, Virginia 9 $ 1,620,000 $ 180,000 $ 13,000
Preston, West Virginia 9 $ 267,000 $ 29,666 $ 42,000
Duval, Florida 8 $ 876,000 $ 109,500 $ 0
Camden, Georgia 8 $ 911,000 $ 113,875 $ 0
Canyon, Idaho 8 $ 1,332,000 $ 166,500 $ 0
Jefferson, Kentucky 8 $ 2,084,000 $ 260,500 $ 0
Bossier, Louisiana 8 $ 931,000 $ 116,375 $ 0
Worcester, Massachusetts 8 $ 2,492,000 $ 311,500 $ 0
Wayne, Michigan 8 $ 1,167,000 $ 145,875 $ 0
Essex, New Jersey 8 $ 3,834,000 $ 479,250 $ 0
Hudson, New Jersey 8 $ 2,945,000 $ 368,125 $ 0
Monmouth, New Jersey 8 $ 2,884,000 $ 360,500 $ 0
Lewis, New York 8 $ 934,000 $ 116,750 $ 23,000
St. Lawrence, New York 8 $ 847,000 $ 105,875 $ 27,000
Guilford, North Carolina 8 $ 1,391,000 $ 173,875 $ 0
Hamilton, Ohio 8 $ 1,300,000 $ 162,500 $ 0
Horry, South Carolina 8 $ 1,191,000 $ 148,875 $ 0
Hamilton, Tennessee 8 $ 883,000 $ 110,375 $ 0
Spokane, Washington 8 $ 911,000 $ 113,875 $ 0
Limestone, Alabama 7 $ 587,000 $ 83,857 $ 0
Shelby, Alabama 7 $ 1,040,000 $ 148,571 $ 0
Pinal, Arizona 7 $ 1,316,000 $ 188,000 $ 0
Riverside, California 7 $ 2,504,000 $ 357,714 $ 0
San Bernardino, California 7 $ 2,601,000 $ 371,571 $ 0
El Paso, Colorado 7 $ 2,090,000 $ 298,571 $ 0
New Castle, Delaware 7 $ 613,000 $ 87,571 $ 56,000
Sarasota, Florida 7 $ 1,451,000 $ 207,285 $ 8,000
Calcasieu, Louisiana 7 $ 916,000 $ 130,857 $ 0
St. John the Baptist, Louisiana 7 $ 1,174,000 $ 167,714 $ 0
Camden, New Jersey 7 $ 1,606,000 $ 229,428 $ 0
Morris, New Jersey 7 $ 3,031,000 $ 433,000 $ 0
Somerset, New Jersey 7 $ 2,049,000 $ 292,714 $ 0
Clinton, New York 7 $ 1,306,000 $ 186,571 $ 0
Delaware, New York 7 $ 917,000 $ 131,000 $ 31,000
Franklin, New York 7 $ 505,000 $ 72,142 $ 21,000
Fulton, New York 7 $ 909,000 $ 129,857 $ 4,000
Schoharie, New York 7 $ 781,000 $ 111,571 $ 29,000
Butler, Ohio 7 $ 951,000 $ 135,857 $ 13,000
Carter, Oklahoma 7 $ 438,000 $ 62,571 $ 0
Marion, Oregon 7 $ 1,039,000 $ 148,428 $ 0
Fayette, Pennsylvania 7 $ 569,000 $ 81,285 $ 39,000
Williamson, Tennessee 7 $ 1,788,000 $ 255,428 $ 0
Jefferson, Texas 7 $ 626,000 $ 89,428 $ 0
Virginia Beach, Virginia 7 $ 1,494,000 $ 213,428 $ 24,000
Morgan, West Virginia 7 $ 1,011,000 $ 144,428 $ 25,000
Franklin, Alabama 6 $ 658,000 $ 109,666 $ 0
New Haven, Connecticut 6 $ 1,702,000 $ 283,666 $ 0
Alachua, Florida 6 $ 1,243,000 $ 207,166 $ 0
Collier, Florida 6 $ 2,390,000 $ 398,333 $ 0
Lake, Florida 6 $ 1,087,000 $ 181,166 $ 0
Leon, Florida 6 $ 852,000 $ 142,000 $ 0
Manatee, Florida 6 $ 1,505,000 $ 250,833 $ 0
Marion, Florida 6 $ 755,000 $ 125,833 $ 0
Cherokee, Georgia 6 $ 754,000 $ 125,666 $ 0
Coweta, Georgia 6 $ 771,000 $ 128,500 $ 0
East Feliciana, Louisiana 6 $ 1,027,000 $ 171,166 $ 0
Livingston, Louisiana 6 $ 797,000 $ 132,833 $ 0
York, Maine 6 $ 1,215,000 $ 202,500 $ 0
Essex, Massachusetts 6 $ 1,498,000 $ 249,666 $ 0
Norfolk, Massachusetts 6 $ 2,571,000 $ 428,500 $ 0
Suffolk, Massachusetts 6 $ 2,155,000 $ 359,166 $ 0
Kent, Michigan 6 $ 916,000 $ 152,666 $ 0
Mecklenburg, North Carolina 6 $ 1,083,000 $ 180,500 $ 0
Deschutes, Oregon 6 $ 2,091,000 $ 348,500 $ 0
Lane, Oregon 6 $ 1,078,000 $ 179,666 $ 0
Butler, Pennsylvania 6 $ 576,000 $ 96,000 $ 13,000
Juniata, Pennsylvania 6 $ 345,000 $ 57,500 $ 45,000
Wasatch, Utah 6 $ 2,289,000 $ 381,500 $ 0
Fauquier, Virginia 6 $ 2,089,000 $ 348,166 $ 0
Louisa, Virginia 6 $ 2,127,000 $ 354,500 $ 0
Nelson, Virginia 6 $ 1,911,000 $ 318,500 $ 0
Cullman, Alabama 5 $ 884,000 $ 176,800 $ 0
Walker, Alabama 5 $ 464,000 $ 92,800 $ 0
Yuma, Arizona 5 $ 956,000 $ 191,200 $ 0
San Diego, California 5 $ 1,742,000 $ 348,400 $ 0
Arapahoe, Colorado 5 $ 1,509,000 $ 301,800 $ 0
Carroll, Georgia 5 $ 540,000 $ 108,000 $ 0
Catoosa, Georgia 5 $ 624,000 $ 124,800 $ 0
Twin Falls, Idaho 5 $ 474,000 $ 94,800 $ 0
Kenton, Kentucky 5 $ 529,000 $ 105,800 $ 0
Caddo, Louisiana 5 $ 626,000 $ 125,200 $ 0
Tangipahoa, Louisiana 5 $ 641,000 $ 128,200 $ 0
Penobscot, Maine 5 $ 788,000 $ 157,600 $ 0
Sagadahoc, Maine 5 $ 1,392,000 $ 278,400 $ 0
Barnstable, Massachusetts 5 $ 1,558,000 $ 311,600 $ 0
St. Clair, Michigan 5 $ 535,000 $ 107,000 $ 0
Anoka, Minnesota 5 $ 1,068,000 $ 213,600 $ 0
Dakota, Minnesota 5 $ 815,000 $ 163,000 $ 0
DeSoto, Mississippi 5 $ 576,000 $ 115,200 $ 0
Atlantic, New Jersey 5 $ 1,298,000 $ 259,600 $ 0
Burlington, New Jersey 5 $ 1,481,000 $ 296,200 $ 0
Cape May, New Jersey 5 $ 2,954,000 $ 590,800 $ 34,000
Gloucester, New Jersey 5 $ 643,000 $ 128,600 $ 0
Brunswick, North Carolina 5 $ 1,119,000 $ 223,800 $ 0
Madison, North Carolina 5 $ 1,024,000 $ 204,800 $ 0
Pender, North Carolina 5 $ 876,000 $ 175,200 $ 0
Wake, North Carolina 5 $ 1,405,000 $ 281,000 $ 0
Hancock, Ohio 5 $ 739,000 $ 147,800 $ 0
Knox, Ohio 5 $ 801,000 $ 160,200 $ 0
Mahoning, Ohio 5 $ 582,000 $ 116,400 $ 9,000
Portage, Ohio 5 $ 596,000 $ 119,200 $ 0
Ross, Ohio 5 $ 1,116,000 $ 223,200 $ 0
Summit, Ohio 5 $ 787,000 $ 157,400 $ 0
Wayne, Pennsylvania 5 $ 562,000 $ 112,400 $ 12,000
Charleston, South Carolina 5 $ 3,008,000 $ 601,600 $ 0
Sevier, Tennessee 5 $ 1,868,000 $ 373,600 $ 0
Comal, Texas 5 $ 491,000 $ 98,200 $ 0
Randall, Texas 5 $ 1,021,000 $ 204,200 $ 0
Alexandria, Virginia 5 $ 2,275,000 $ 455,000 $ 0
Caroline, Virginia 5 $ 1,418,000 $ 283,600 $ 0
Hanover, Virginia 5 $ 254,000 $ 50,800 $ 47,000
Cowlitz, Washington 5 $ 1,291,000 $ 258,200 $ 0
Thurston, Washington 5 $ 834,000 $ 166,800 $ 0
Hampshire, West Virginia 5 $ 650,000 $ 130,000 $ 18,000
Blount, Alabama 4 $ 538,000 $ 134,500 $ 0
Calhoun, Alabama 4 $ 479,000 $ 119,750 $ 0
Fayette, Alabama 4 $ 341,000 $ 85,250 $ 0
Merced, California 4 $ 1,442,000 $ 360,500 $ 0
Middlesex, Connecticut 4 $ 1,903,000 $ 475,750 $ 0
New London, Connecticut 4 $ 994,000 $ 248,500 $ 0
Columbia, Georgia 4 $ 776,000 $ 194,000 $ 0
Boone, Illinois 4 $ 548,000 $ 137,000 $ 0
St. Clair, Illinois 4 $ 533,000 $ 133,250 $ 0
Hamilton, Indiana 4 $ 792,000 $ 198,000 $ 0
Hendricks, Indiana 4 $ 896,000 $ 224,000 $ 0
Scott, Iowa 4 $ 502,000 $ 125,500 $ 0
Talbot, Maryland 4 $ 415,000 $ 103,750 $ 24,000
Genesee, Michigan 4 $ 602,000 $ 150,500 $ 0
Macomb, Michigan 4 $ 842,000 $ 210,500 $ 0
Stearns, Minnesota 4 $ 504,000 $ 126,000 $ 0
Wright, Minnesota 4 $ 845,000 $ 211,250 $ 0
Grafton, New Hampshire 4 $ 973,000 $ 243,250 $ 0
Strafford, New Hampshire 4 $ 914,000 $ 228,500 $ 0
Essex, New York 4 $ 468,000 $ 117,000 $ 22,000
Montgomery, New York 4 $ 387,000 $ 96,750 $ 28,000
Yates, New York 4 $ 269,000 $ 67,250 $ 46,000
Haywood, North Carolina 4 $ 736,000 $ 184,000 $ 0
Wilson, North Carolina 4 $ 523,000 $ 130,750 $ 0
Logan, Ohio 4 $ 786,000 $ 196,500 $ 0
Stark, Ohio 4 $ 1,122,000 $ 280,500 $ 0
Lincoln, Oregon 4 $ 642,000 $ 160,500 $ 0
Beaver, Pennsylvania 4 $ 259,000 $ 64,750 $ 16,000
Crawford, Pennsylvania 4 $ 164,000 $ 41,000 $ 16,000
Lawrence, Pennsylvania 4 $ 499,000 $ 124,750 $ 6,000
Mercer, Pennsylvania 4 $ 288,000 $ 72,000 $ 24,000
Grainger, Tennessee 4 $ 569,000 $ 142,250 $ 0
Orange, Texas 4 $ 326,000 $ 81,500 $ 0
Cache, Utah 4 $ 640,000 $ 160,000 $ 0
Chesapeake, Virginia 4 $ 1,169,000 $ 292,250 $ 0
Culpeper, Virginia 4 $ 1,039,000 $ 259,750 $ 32,000
Fluvanna, Virginia 4 $ 716,000 $ 179,000 $ 0
Whatcom, Washington 4 $ 803,000 $ 200,750 $ 0
Jefferson, West Virginia 4 $ 276,000 $ 69,000 $ 35,000
Kanawha, West Virginia 4 $ 940,000 $ 235,000 $ 0
Elmore, Alabama 3 $ 773,000 $ 257,666 $ 0
Marshall, Alabama 3 $ 361,000 $ 120,333 $ 0
Randolph, Alabama 3 $ 361,000 $ 120,333 $ 0
St. Clair, Alabama 3 $ 294,000 $ 98,000 $ 0
Navajo, Arizona 3 $ 1,045,000 $ 348,333 $ 0
Fresno, California 3 $ 275,000 $ 91,666 $ 0
Santa Clara, California 3 $ 1,387,000 $ 462,333 $ 0
Denver, Colorado 3 $ 1,386,000 $ 462,000 $ 0
Jefferson, Colorado 3 $ 686,000 $ 228,666 $ 0
Windham, Connecticut 3 $ 810,000 $ 270,000 $ 0
Clay, Florida 3 $ 1,069,000 $ 356,333 $ 0
Highlands, Florida 3 $ 383,000 $ 127,666 $ 0
Jackson, Florida 3 $ 403,000 $ 134,333 $ 0
Clayton, Georgia 3 $ 333,000 $ 111,000 $ 0
Forsyth, Georgia 3 $ 648,000 $ 216,000 $ 0
Lowndes, Georgia 3 $ 345,000 $ 115,000 $ 0
Rockdale, Georgia 3 $ 405,000 $ 135,000 $ 0
Bonneville, Idaho 3 $ 378,000 $ 126,000 $ 0
DeKalb, Illinois 3 $ 425,000 $ 141,666 $ 0
Grundy, Illinois 3 $ 603,000 $ 201,000 $ 0
Kendall, Illinois 3 $ 722,000 $ 240,666 $ 0
Madison, Illinois 3 $ 487,000 $ 162,333 $ 0
Henry, Indiana 3 $ 715,000 $ 238,333 $ 0
Johnson, Indiana 3 $ 417,000 $ 139,000 $ 0
Scott, Indiana 3 $ 322,000 $ 107,333 $ 0
St. Joseph, Indiana 3 $ 592,000 $ 197,333 $ 0
Franklin, Kentucky 3 $ 250,000 $ 83,333 $ 0
Lafayette, Louisiana 3 $ 319,000 $ 106,333 $ 0
St. Charles, Louisiana 3 $ 352,000 $ 117,333 $ 0
Berkshire, Massachusetts 3 $ 702,000 $ 234,000 $ 0
Plymouth, Massachusetts 3 $ 988,000 $ 329,333 $ 0
Kalamazoo, Michigan 3 $ 1,122,000 $ 374,000 $ 0
Monroe, Michigan 3 $ 472,000 $ 157,333 $ 0
Saginaw, Michigan 3 $ 569,000 $ 189,666 $ 0
Washtenaw, Michigan 3 $ 729,000 $ 243,000 $ 0
St. Louis, Minnesota 3 $ 630,000 $ 210,000 $ 0
Itawamba, Mississippi 3 $ 231,000 $ 77,000 $ 0
Oktibbeha, Mississippi 3 $ 316,000 $ 105,333 $ 0
Cass, Missouri 3 $ 702,000 $ 234,000 $ 0
St. Charles, Missouri 3 $ 426,000 $ 142,000 $ 0
Belknap, New Hampshire 3 $ 986,000 $ 328,666 $ 0
Merrimack, New Hampshire 3 $ 743,000 $ 247,666 $ 0
Hunterdon, New Jersey 3 $ 1,614,000 $ 538,000 $ 0
Sussex, New Jersey 3 $ 707,000 $ 235,666 $ 0
Dona Ana, New Mexico 3 $ 634,000 $ 211,333 $ 0
Catawba, North Carolina 3 $ 302,000 $ 100,666 $ 0
Cumberland, North Carolina 3 $ 248,000 $ 82,666 $ 0
Durham, North Carolina 3 $ 340,000 $ 113,333 $ 0
Rockingham, North Carolina 3 $ 506,000 $ 168,666 $ 0
Vance, North Carolina 3 $ 306,000 $ 102,000 $ 0
Ashtabula, Ohio 3 $ 494,000 $ 164,666 $ 0
Champaign, Ohio 3 $ 693,000 $ 231,000 $ 0
Darke, Ohio 3 $ 317,000 $ 105,666 $ 0
Geauga, Ohio 3 $ 855,000 $ 285,000 $ 0
Lucas, Ohio 3 $ 943,000 $ 314,333 $ 0
Madison, Ohio 3 $ 887,000 $ 295,666 $ 0
Mercer, Ohio 3 $ 205,000 $ 68,333 $ 0
Ottawa, Ohio 3 $ 469,000 $ 156,333 $ 0
Columbia, Oregon 3 $ 434,000 $ 144,666 $ 0
Indiana, Pennsylvania 3 $ 326,000 $ 108,666 $ 7,000
McKean, Pennsylvania 3 $ 317,000 $ 105,666 $ 33,000
Potter, Pennsylvania 3 $ 235,000 $ 78,333 $ 9,000
Venango, Pennsylvania 3 $ 221,000 $ 73,666 $ 4,000
Warren, Pennsylvania 3 $ 213,000 $ 71,000 $ 22,000
Benton, Tennessee 3 $ 273,000 $ 91,000 $ 0
Dickson, Tennessee 3 $ 294,000 $ 98,000 $ 0
Hawkins, Tennessee 3 $ 264,000 $ 88,000 $ 0
Marion, Tennessee 3 $ 170,000 $ 56,666 $ 0
Meigs, Tennessee 3 $ 455,000 $ 151,666 $ 0
Monroe, Tennessee 3 $ 224,000 $ 74,666 $ 0
Montgomery, Tennessee 3 $ 354,000 $ 118,000 $ 0
Washington, Tennessee 3 $ 444,000 $ 148,000 $ 0
Bandera, Texas 3 $ 457,000 $ 152,333 $ 0
Brazoria, Texas 3 $ 577,000 $ 192,333 $ 0
Denton, Texas 3 $ 345,000 $ 115,000 $ 0
Tarrant, Texas 3 $ 360,000 $ 120,000 $ 0
Iron, Utah 3 $ 1,528,000 $ 509,333 $ 0
Chittenden, Vermont 3 $ 1,171,000 $ 390,333 $ 0
Windham, Vermont 3 $ 1,085,000 $ 361,666 $ 0
Accomack, Virginia 3 $ 220,000 $ 73,333 $ 15,000
Arlington, Virginia 3 $ 2,145,000 $ 715,000 $ 0
Manassas, Virginia 3 $ 552,000 $ 184,000 $ 20,000
Mecklenburg, Virginia 3 $ 214,000 $ 71,333 $ 31,000
New Kent, Virginia 3 $ 423,000 $ 141,000 $ 33,000
Norfolk, Virginia 3 $ 186,000 $ 62,000 $ 27,000
Pittsylvania, Virginia 3 $ 783,000 $ 261,000 $ 0
Westmoreland, Virginia 3 $ 561,000 $ 187,000 $ 0
Skagit, Washington 3 $ 792,000 $ 264,000 $ 0
Butler, Alabama 2 $ 253,000 $ 126,500 $ 0
Coffee, Alabama 2 $ 401,000 $ 200,500 $ 0
Morgan, Alabama 2 $ 186,000 $ 93,000 $ 0
Gila, Arizona 2 $ 527,000 $ 263,500 $ 0
Pima, Arizona 2 $ 950,000 $ 475,000 $ 0
Kern, California 2 $ 207,000 $ 103,500 $ 0
Orange, California 2 $ 1,478,000 $ 739,000 $ 0
Sacramento, California 2 $ 703,000 $ 351,500 $ 0
San Luis Obispo, California 2 $ 918,000 $ 459,000 $ 0
Shasta, California 2 $ 487,000 $ 243,500 $ 0
Elbert, Colorado 2 $ 1,015,000 $ 507,500 $ 0
Gunnison, Colorado 2 $ 613,000 $ 306,500 $ 0
Park, Colorado 2 $ 384,000 $ 192,000 $ 0
Tolland, Connecticut 2 $ 602,000 $ 301,000 $ 0
Charlotte, Florida 2 $ 430,000 $ 215,000 $ 0
Flagler, Florida 2 $ 392,000 $ 196,000 $ 132,000
Hernando, Florida 2 $ 305,000 $ 152,500 $ 0
St. Johns, Florida 2 $ 938,000 $ 469,000 $ 0
Sumter, Florida 2 $ 294,000 $ 147,000 $ 0
Walton, Florida 2 $ 562,000 $ 281,000 $ 0
Ben Hill, Georgia 2 $ 182,000 $ 91,000 $ 0
Chatham, Georgia 2 $ 192,000 $ 96,000 $ 0
Colquitt, Georgia 2 $ 131,000 $ 65,500 $ 0
Cook, Georgia 2 $ 140,000 $ 70,000 $ 0
Douglas, Georgia 2 $ 129,000 $ 64,500 $ 0
Henry, Georgia 2 $ 210,000 $ 105,000 $ 0
Lee, Georgia 2 $ 239,000 $ 119,500 $ 0
Paulding, Georgia 2 $ 261,000 $ 130,500 $ 0
Putnam, Georgia 2 $ 489,000 $ 244,500 $ 0
Spalding, Georgia 2 $ 210,000 $ 105,000 $ 0
Walton, Georgia 2 $ 254,000 $ 127,000 $ 0
White, Georgia 2 $ 286,000 $ 143,000 $ 0
Jerome, Idaho 2 $ 194,000 $ 97,000 $ 0
Peoria, Illinois 2 $ 121,000 $ 60,500 $ 0
Winnebago, Illinois 2 $ 154,000 $ 77,000 $ 0
Carroll, Indiana 2 $ 387,000 $ 193,500 $ 0
DeKalb, Indiana 2 $ 527,000 $ 263,500 $ 0
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Mortgage Loan Application Detail Totals for M&T Bank in 2006

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
Home Improvement 5,833 $137,314,000 $23,000 $3,000,000 $54,000 $1,243,000
Home Purchase 5,349 $1,013,915,000 $189,000 $3,000,000 $3,000 $2,450,000
Refinancing 5,281 $709,816,000 $134,000 $48,000,000 $40,000 $800,000

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
Not applicable 7,387 $1,505,435,000 $203,000 $48,000,000 $0 $0
White 6,244 $251,383,000 $40,000 $3,000,000 $60,000 $2,450,000
Not Provided 1,922 $73,877,000 $38,000 $500,000 $64,000 $800,000
Black or African American 483 $15,324,000 $31,000 $500,000 $52,000 $400,000
Hispanic 286 $7,466,000 $26,000 $215,000 $45,000 $305,000
Asian 91 $5,730,000 $62,000 $435,000 $86,000 $750,000
American Indian or Alaskan Native 41 $1,397,000 $34,000 $160,000 $63,000 $350,000
Native Hawaiian or Other Pacific Islander 9 $433,000 $48,000 $140,000 $87,000 $223,000

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) 16,429 $1,856,780,000 $113,000 $48,000,000 $33,000 $2,450,000
FHA-insured (Federal Housing Administration) 30 $3,555,000 $118,000 $231,000 $0 $0
VA-guaranteed (Veterans Administration) 4 $710,000 $177,000 $250,000 $6,000 $26,000
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 7,346 $1,446,690,000 $196,000 $12,500,000 $0 $0
Application Denied By Financial Institution 4,470 $158,233,000 $35,000 $800,000 $52,000 $720,000
Loan Originated 3,998 $227,440,000 $56,000 $48,000,000 $66,000 $1,243,000
Application Approved But Not Accepted 496 $21,670,000 $43,000 $306,000 $74,000 $758,000
Application Withdrawn By Applicant 98 $6,151,000 $62,000 $435,000 $99,000 $2,450,000
File Closed For Incompleteness 55 $861,000 $15,000 $57,000 $70,000 $264,000
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 2006 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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