M&T Bank Mortgage Lending & HMDA Data, 2007

In 2007, M&T Bank of Buffalo, NY reported 52,781 mortgage applications totaling $9.5 billion, up 221% from 2006. The average application was for $180,243, and applicants reported an average income of $74,587. 59% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Buffalo-Niagara Falls, NY (2,732), Portland-Vancouver-Beaverton, OR-WA (2,472) and Chicago-Naperville-Joliet, IL (1,934) (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 52,781
Total Mortgage Loan Application Amount $9,513,425,000
Average Mortgage Loan Application Amount $180,243
Highest Mortgage Loan Application Amount $89,850,000
Average Applicant Income $74,587
Highest Applicant Income $6,781,000

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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

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 2,285 $ 205,352,000 $ 89,869 $ 55,000
Monroe, New York 1,276 $ 154,115,000 $ 120,779 $ 59,000
Cook, Illinois 1,228 $ 283,198,000 $ 230,617 $ 74,000
Maricopa, Arizona 1,130 $ 278,791,000 $ 246,717 $ 110,000
Salt Lake, Utah 971 $ 218,003,000 $ 224,513 $ 92,000
Onondaga, New York 882 $ 79,415,000 $ 90,039 $ 63,000
York, Pennsylvania 814 $ 88,144,000 $ 108,285 $ 68,000
Los Angeles, California 793 $ 265,704,000 $ 335,061 $ 129,000
King, Washington 755 $ 234,404,000 $ 310,468 $ 123,000
Multnomah, Oregon 744 $ 168,197,000 $ 226,071 $ 83,000
Luzerne, Pennsylvania 684 $ 61,696,000 $ 90,198 $ 63,000
Baltimore, Maryland 615 $ 96,079,000 $ 156,226 $ 58,000
Clark, Washington 605 $ 145,532,000 $ 240,548 $ 106,000
Baltimore City, Maryland 577 $ 67,566,000 $ 117,098 $ 40,000
Clackamas, Oregon 475 $ 128,843,000 $ 271,248 $ 97,000
Niagara, New York 447 $ 34,502,000 $ 77,185 $ 52,000
Washington, Oregon 441 $ 113,491,000 $ 257,349 $ 100,000
Utah, Utah 430 $ 95,921,000 $ 223,072 $ 89,000
Clark, Nevada 427 $ 107,058,000 $ 250,721 $ 99,000
Franklin, Pennsylvania 392 $ 45,588,000 $ 116,295 $ 60,000
Broome, New York 380 $ 36,759,000 $ 96,734 $ 61,000
Prince George's, Maryland 369 $ 80,921,000 $ 219,298 $ 56,000
Orange, New York 341 $ 61,579,000 $ 180,583 $ 80,000
Cumberland, Pennsylvania 337 $ 39,098,000 $ 116,017 $ 64,000
Schuylkill, Pennsylvania 331 $ 25,164,000 $ 76,024 $ 59,000
Berks, Pennsylvania 327 $ 28,772,000 $ 87,987 $ 57,000
Davis, Utah 325 $ 74,024,000 $ 227,766 $ 89,000
Blair, Pennsylvania 323 $ 33,813,000 $ 104,684 $ 54,000
Harris, Texas 321 $ 49,789,000 $ 155,105 $ 74,000
Dauphin, Pennsylvania 313 $ 27,314,000 $ 87,265 $ 61,000
Dutchess, New York 301 $ 53,766,000 $ 178,624 $ 100,000
Albany, New York 297 $ 52,415,000 $ 176,481 $ 77,000
Lauderdale, Alabama 284 $ 31,074,000 $ 109,415 $ 49,000
Snohomish, Washington 272 $ 69,721,000 $ 256,327 $ 85,000
Ada, Idaho 269 $ 57,378,000 $ 213,301 $ 87,000
Anne Arundel, Maryland 268 $ 51,077,000 $ 190,585 $ 83,000
Pierce, Washington 254 $ 63,483,000 $ 249,933 $ 92,000
Saratoga, New York 246 $ 50,017,000 $ 203,321 $ 83,000
Marion, Oregon 245 $ 47,696,000 $ 194,677 $ 69,000
Philadelphia, Pennsylvania 244 $ 26,097,000 $ 106,954 $ 48,000
Montgomery, Maryland 237 $ 63,820,000 $ 269,282 $ 114,000
Orange, California 236 $ 87,324,000 $ 370,016 $ 133,000
Fulton, Georgia 230 $ 50,029,000 $ 217,517 $ 86,000
Pima, Arizona 225 $ 42,265,000 $ 187,844 $ 85,000
Riverside, California 225 $ 72,414,000 $ 321,840 $ 148,000
DuPage, Illinois 221 $ 51,133,000 $ 231,371 $ 82,000
Rensselaer, New York 220 $ 33,720,000 $ 153,272 $ 59,000
Lycoming, Pennsylvania 220 $ 17,353,000 $ 78,877 $ 56,000
Montgomery, Alabama 217 $ 29,646,000 $ 136,617 $ 61,000
Washington, Maryland 217 $ 28,245,000 $ 130,161 $ 69,000
Franklin, Ohio 215 $ 29,507,000 $ 137,241 $ 29,000
Chautauqua, New York 214 $ 12,557,000 $ 58,677 $ 54,000
Northumberland, Pennsylvania 209 $ 15,433,000 $ 73,842 $ 50,000
Lancaster, Pennsylvania 208 $ 25,587,000 $ 123,014 $ 69,000
Oneida, New York 206 $ 19,552,000 $ 94,912 $ 61,000
Harford, Maryland 200 $ 28,770,000 $ 143,850 $ 49,000
DeKalb, Georgia 195 $ 32,133,000 $ 164,784 $ 51,000
Ulster, New York 194 $ 30,934,000 $ 159,453 $ 78,000
Shelby, Tennessee 193 $ 21,449,000 $ 111,134 $ 57,000
Centre, Pennsylvania 188 $ 18,039,000 $ 95,952 $ 79,000
Lackawanna, Pennsylvania 182 $ 23,375,000 $ 128,434 $ 68,000
Atlantic, New Jersey 181 $ 40,925,000 $ 226,104 $ 28,000
Suffolk, New York 179 $ 44,396,000 $ 248,022 $ 107,000
Will, Illinois 177 $ 38,510,000 $ 217,570 $ 81,000
San Bernardino, California 175 $ 50,702,000 $ 289,725 $ 107,000
Cowlitz, Washington 172 $ 30,609,000 $ 177,959 $ 65,000
Allegany, Maryland 169 $ 14,499,000 $ 85,792 $ 45,000
Denver, Colorado 163 $ 40,810,000 $ 250,368 $ 99,000
Genesee, New York 160 $ 14,676,000 $ 91,725 $ 61,000
Frederick, Maryland 155 $ 31,862,000 $ 205,561 $ 84,000
Schenectady, New York 153 $ 22,035,000 $ 144,019 $ 63,000
Queens, New York 152 $ 227,481,000 $ 1,496,585 $ 84,000
Bradford, Pennsylvania 152 $ 10,420,000 $ 68,552 $ 58,000
Deschutes, Oregon 150 $ 40,090,000 $ 267,266 $ 135,000
Gwinnett, Georgia 147 $ 25,441,000 $ 173,068 $ 66,000
Cattaraugus, New York 140 $ 11,031,000 $ 78,792 $ 68,000
Montgomery, Ohio 140 $ 13,972,000 $ 99,800 $ 43,000
Weber, Utah 138 $ 22,607,000 $ 163,818 $ 71,000
McHenry, Illinois 134 $ 27,418,000 $ 204,611 $ 61,000
Bedford, Pennsylvania 134 $ 8,522,000 $ 63,597 $ 49,000
Adams, Pennsylvania 132 $ 16,358,000 $ 123,924 $ 63,000
Delaware, Pennsylvania 130 $ 19,418,000 $ 149,369 $ 76,000
Cobb, Georgia 129 $ 23,871,000 $ 185,046 $ 92,000
Yavapai, Arizona 127 $ 29,217,000 $ 230,055 $ 86,000
Jefferson, Colorado 125 $ 28,490,000 $ 227,920 $ 91,000
Madison, Alabama 123 $ 15,827,000 $ 128,674 $ 58,000
Kane, Illinois 123 $ 25,755,000 $ 209,390 $ 76,000
Lake, Illinois 123 $ 26,538,000 $ 215,756 $ 79,000
Kings, New York 123 $ 30,602,000 $ 248,796 $ 80,000
Arapahoe, Colorado 122 $ 25,876,000 $ 212,098 $ 84,000
District of Columbia, District Of Columbia 120 $ 24,735,000 $ 206,125 $ 91,000
Columbia, Oregon 117 $ 23,636,000 $ 202,017 $ 76,000
Cayuga, New York 116 $ 9,337,000 $ 80,491 $ 48,000
Dona Ana, New Mexico 115 $ 20,987,000 $ 182,495 $ 73,000
Lehigh, Pennsylvania 115 $ 11,009,000 $ 95,730 $ 58,000
Nassau, New York 114 $ 37,320,000 $ 327,368 $ 201,000
Mineral, West Virginia 112 $ 9,507,000 $ 84,883 $ 54,000
McMinn, Tennessee 110 $ 11,564,000 $ 105,127 $ 44,000
Wayne, Michigan 107 $ 12,527,000 $ 117,074 $ 55,000
El Paso, Colorado 106 $ 23,702,000 $ 223,603 $ 37,000
Otsego, New York 106 $ 14,374,000 $ 135,603 $ 64,000
Lane, Oregon 106 $ 22,037,000 $ 207,896 $ 71,000
Clearfield, Pennsylvania 106 $ 4,748,000 $ 44,792 $ 45,000
Fairfax, Virginia 106 $ 34,435,000 $ 324,858 $ 130,000
Douglas, Colorado 104 $ 33,943,000 $ 326,375 $ 124,000
Garrett, Maryland 104 $ 12,127,000 $ 116,605 $ 77,000
Clinton, Pennsylvania 102 $ 6,243,000 $ 61,205 $ 56,000
Howard, Maryland 99 $ 23,800,000 $ 240,404 $ 127,000
Jefferson, Alabama 98 $ 14,486,000 $ 147,816 $ 57,000
Ontario, New York 98 $ 12,914,000 $ 131,775 $ 103,000
Lebanon, Pennsylvania 97 $ 8,519,000 $ 87,824 $ 53,000
Pinal, Arizona 95 $ 18,900,000 $ 198,947 $ 111,000
Adams, Colorado 95 $ 18,800,000 $ 197,894 $ 69,000
Orleans, Louisiana 95 $ 13,680,000 $ 144,000 $ 60,000
Carroll, Maryland 94 $ 17,849,000 $ 189,882 $ 81,000
Charles, Maryland 93 $ 19,851,000 $ 213,451 $ 73,000
Bucks, Pennsylvania 91 $ 18,315,000 $ 201,263 $ 88,000
Columbia, Pennsylvania 91 $ 6,649,000 $ 73,065 $ 54,000
Hamilton, Tennessee 91 $ 10,139,000 $ 111,417 $ 54,000
New York, New York 90 $ 76,820,000 $ 853,555 $ 167,000
East Baton Rouge, Louisiana 89 $ 14,839,000 $ 166,730 $ 84,000
Clinton, New York 89 $ 11,531,000 $ 129,561 $ 64,000
Mobile, Alabama 88 $ 11,165,000 $ 126,875 $ 54,000
Broward, Florida 88 $ 20,904,000 $ 237,545 $ 57,000
Monroe, Pennsylvania 88 $ 14,111,000 $ 160,352 $ 69,000
Palm Beach, Florida 87 $ 21,079,000 $ 242,287 $ 94,000
St. Clair, Michigan 87 $ 10,493,000 $ 120,609 $ 48,000
Westchester, New York 87 $ 30,863,000 $ 354,747 $ 169,000
Oswego, New York 85 $ 6,761,000 $ 79,541 $ 47,000
Hamilton, Ohio 85 $ 9,943,000 $ 116,976 $ 48,000
Carbon, Pennsylvania 85 $ 9,250,000 $ 108,823 $ 75,000
Montgomery, Pennsylvania 85 $ 17,743,000 $ 208,741 $ 93,000
Calvert, Maryland 82 $ 15,939,000 $ 194,378 $ 84,000
Hennepin, Minnesota 82 $ 18,276,000 $ 222,878 $ 84,000
Jackson, Oregon 82 $ 18,785,000 $ 229,085 $ 76,000
Bexar, Texas 82 $ 11,131,000 $ 135,743 $ 62,000
Wicomico, Maryland 81 $ 9,837,000 $ 121,444 $ 61,000
Cullman, Alabama 80 $ 9,604,000 $ 120,050 $ 50,000
Allegheny, Pennsylvania 80 $ 8,928,000 $ 111,600 $ 34,000
Wayne, New York 79 $ 8,245,000 $ 104,367 $ 70,000
Wyoming, New York 79 $ 6,305,000 $ 79,810 $ 54,000
Linn, Oregon 78 $ 13,266,000 $ 170,076 $ 71,000
Clayton, Georgia 77 $ 8,798,000 $ 114,259 $ 25,000
Elmore, Alabama 75 $ 13,752,000 $ 183,360 $ 86,000
Prince William, Virginia 75 $ 24,053,000 $ 320,706 $ 96,000
Marion, Indiana 74 $ 8,591,000 $ 116,094 $ 38,000
Stafford, Virginia 74 $ 24,501,000 $ 331,094 $ 285,000
Orange, Florida 73 $ 19,094,000 $ 261,561 $ 71,000
Madison, New York 73 $ 6,701,000 $ 91,794 $ 49,000
Sullivan, New York 73 $ 9,076,000 $ 124,328 $ 92,000
Tioga, New York 73 $ 6,570,000 $ 90,000 $ 60,000
Oakland, Michigan 72 $ 11,303,000 $ 156,986 $ 101,000
Lee, Mississippi 72 $ 7,741,000 $ 107,513 $ 50,000
Okaloosa, Florida 71 $ 13,136,000 $ 185,014 $ 66,000
Union, Pennsylvania 71 $ 6,040,000 $ 85,070 $ 80,000
Cache, Utah 71 $ 13,940,000 $ 196,338 $ 67,000
Morgan, Alabama 70 $ 7,431,000 $ 106,157 $ 53,000
Sussex, Delaware 70 $ 12,407,000 $ 177,242 $ 87,000
Lee, Florida 70 $ 19,097,000 $ 272,814 $ 115,000
Tooele, Utah 70 $ 15,983,000 $ 228,328 $ 87,000
Santa Rosa, Florida 68 $ 15,355,000 $ 225,808 $ 111,000
Canyon, Idaho 68 $ 11,838,000 $ 174,088 $ 79,000
Cuyahoga, Ohio 68 $ 8,458,000 $ 124,382 $ 40,000
Jefferson, Louisiana 67 $ 10,965,000 $ 163,656 $ 76,000
Steuben, New York 67 $ 5,882,000 $ 87,791 $ 46,000
Chester, Pennsylvania 67 $ 14,593,000 $ 217,805 $ 92,000
Whatcom, Washington 67 $ 14,858,000 $ 221,761 $ 95,000
Yakima, Washington 67 $ 9,466,000 $ 141,283 $ 55,000
New Haven, Connecticut 66 $ 16,218,000 $ 245,727 $ 84,000
Livingston, New York 66 $ 5,653,000 $ 85,651 $ 56,000
Yamhill, Oregon 66 $ 16,506,000 $ 250,090 $ 78,000
Tipton, Tennessee 66 $ 8,204,000 $ 124,303 $ 50,000
Hinds, Mississippi 65 $ 7,004,000 $ 107,753 $ 43,000
Orleans, New York 65 $ 3,550,000 $ 54,615 $ 59,000
Cherokee, Georgia 64 $ 11,750,000 $ 183,593 $ 87,000
Caddo, Louisiana 64 $ 7,316,000 $ 114,312 $ 63,000
Bergen, New Jersey 64 $ 25,534,000 $ 398,968 $ 160,000
Rockland, New York 64 $ 19,414,000 $ 303,343 $ 152,000
Chemung, New York 63 $ 4,129,000 $ 65,539 $ 53,000
Richmond, New York 63 $ 12,728,000 $ 202,031 $ 78,000
Warren, New York 63 $ 11,912,000 $ 189,079 $ 104,000
Hood River, Oregon 63 $ 16,969,000 $ 269,349 $ 94,000
Snyder, Pennsylvania 63 $ 4,691,000 $ 74,460 $ 57,000
Hillsborough, Florida 62 $ 11,671,000 $ 188,241 $ 124,000
Butler, Ohio 62 $ 7,619,000 $ 122,887 $ 41,000
Umatilla, Oregon 62 $ 7,865,000 $ 126,854 $ 64,000
Benton, Washington 62 $ 8,052,000 $ 129,870 $ 58,000
Limestone, Alabama 61 $ 8,197,000 $ 134,377 $ 54,000
Tompkins, New York 61 $ 6,528,000 $ 107,016 $ 73,000
Fairfield, Connecticut 60 $ 20,768,000 $ 346,133 $ 78,000
Camden, Georgia 59 $ 9,729,000 $ 164,898 $ 60,000
Knox, Tennessee 59 $ 7,977,000 $ 135,203 $ 50,000
Jefferson, New York 58 $ 7,898,000 $ 136,172 $ 74,000
Douglas, Oregon 58 $ 10,712,000 $ 184,689 $ 60,000
Cumberland, New Jersey 57 $ 8,761,000 $ 153,701 $ 10,000
Spokane, Washington 57 $ 9,383,000 $ 164,614 $ 72,000
Montgomery, Texas 56 $ 11,662,000 $ 208,250 $ 83,000
Baldwin, Alabama 55 $ 14,075,000 $ 255,909 $ 112,000
Camden, New Jersey 55 $ 9,390,000 $ 170,727 $ 87,000
Hidalgo, Texas 55 $ 7,116,000 $ 129,381 $ 27,000
Essex, New Jersey 54 $ 12,253,000 $ 226,907 $ 70,000
Kitsap, Washington 54 $ 12,788,000 $ 236,814 $ 92,000
Yuma, Arizona 53 $ 11,023,000 $ 207,981 $ 93,000
Washington, New York 53 $ 8,475,000 $ 159,905 $ 55,000
Thurston, Washington 53 $ 13,389,000 $ 252,622 $ 76,000
San Diego, California 52 $ 19,880,000 $ 382,307 $ 150,000
Mahoning, Ohio 52 $ 4,160,000 $ 80,000 $ 7,000
Bronx, New York 51 $ 10,337,000 $ 202,686 $ 71,000
Polk, Oregon 51 $ 9,983,000 $ 195,745 $ 77,000
Virginia Beach, Virginia 51 $ 11,395,000 $ 223,431 $ 12,000
Marion, Alabama 50 $ 4,219,000 $ 84,380 $ 42,000
Henry, Georgia 50 $ 10,010,000 $ 200,200 $ 51,000
Bossier, Louisiana 49 $ 7,107,000 $ 145,040 $ 52,000
Lincoln, Oregon 49 $ 11,284,000 $ 230,285 $ 133,000
Fort Bend, Texas 49 $ 9,748,000 $ 198,938 $ 104,000
Pinellas, Florida 48 $ 9,050,000 $ 188,541 $ 89,000
Cecil, Maryland 48 $ 5,520,000 $ 115,000 $ 58,000
Cortland, New York 48 $ 4,708,000 $ 98,083 $ 54,000
Colbert, Alabama 47 $ 4,679,000 $ 99,553 $ 43,000
Kern, California 47 $ 9,436,000 $ 200,765 $ 90,000
Pike, Pennsylvania 47 $ 7,068,000 $ 150,382 $ 76,000
Sanpete, Utah 47 $ 8,498,000 $ 180,808 $ 72,000
Spotsylvania, Virginia 47 $ 15,105,000 $ 321,382 $ 90,000
Pacific, Washington 47 $ 9,183,000 $ 195,382 $ 90,000
Hartford, Connecticut 46 $ 9,723,000 $ 211,369 $ 69,000
Fulton, New York 46 $ 6,929,000 $ 150,630 $ 66,000
Putnam, New York 46 $ 10,674,000 $ 232,043 $ 129,000
Licking, Ohio 46 $ 11,228,000 $ 244,086 $ 89,000
Richland, South Carolina 46 $ 5,473,000 $ 118,978 $ 52,000
Greene, Tennessee 46 $ 6,531,000 $ 141,978 $ 54,000
Loudoun, Virginia 46 $ 18,683,000 $ 406,152 $ 128,000
Davidson, Tennessee 45 $ 9,324,000 $ 207,200 $ 48,000
Autauga, Alabama 44 $ 6,836,000 $ 155,363 $ 76,000
Carroll, Georgia 44 $ 6,078,000 $ 138,136 $ 68,000
Columbia, New York 44 $ 8,430,000 $ 191,590 $ 112,000
Morrow, Oregon 44 $ 5,169,000 $ 117,477 $ 67,000
Weld, Colorado 43 $ 10,128,000 $ 235,534 $ 80,000
Cumberland, Maine 43 $ 9,673,000 $ 224,953 $ 84,000
Mecklenburg, North Carolina 43 $ 7,282,000 $ 169,348 $ 48,000
Northampton, Pennsylvania 43 $ 6,478,000 $ 150,651 $ 58,000
Shelby, Alabama 42 $ 7,571,000 $ 180,261 $ 69,000
New Castle, Delaware 42 $ 8,757,000 $ 208,500 $ 48,000
Duval, Florida 42 $ 6,987,000 $ 166,357 $ 46,000
Escambia, Florida 42 $ 8,590,000 $ 204,523 $ 72,000
St. Tammany, Louisiana 42 $ 7,451,000 $ 177,404 $ 59,000
Middlesex, Massachusetts 42 $ 13,544,000 $ 322,476 $ 79,000
Lowndes, Mississippi 42 $ 4,699,000 $ 111,880 $ 48,000
Fairfield, Ohio 42 $ 10,399,000 $ 247,595 $ 83,000
Miami-Dade, Florida 41 $ 9,775,000 $ 238,414 $ 82,000
Calcasieu, Louisiana 41 $ 6,181,000 $ 150,756 $ 62,000
Essex, Massachusetts 41 $ 12,238,000 $ 298,487 $ 74,000
Josephine, Oregon 41 $ 9,191,000 $ 224,170 $ 65,000
Madison, Tennessee 41 $ 3,653,000 $ 89,097 $ 40,000
Douglas, Georgia 40 $ 6,670,000 $ 166,750 $ 59,000
Paulding, Georgia 40 $ 5,190,000 $ 129,750 $ 40,000
Worcester, Maryland 40 $ 7,512,000 $ 187,800 $ 97,000
Genesee, Michigan 40 $ 5,603,000 $ 140,075 $ 64,000
Grays Harbor, Washington 40 $ 6,000,000 $ 150,000 $ 92,000
Allegany, New York 39 $ 2,424,000 $ 62,153 $ 55,000
Cumberland, North Carolina 39 $ 5,491,000 $ 140,794 $ 15,000
Washington, Utah 39 $ 9,373,000 $ 240,333 $ 107,000
Pasco, Florida 38 $ 6,802,000 $ 179,000 $ 76,000
Coweta, Georgia 38 $ 6,527,000 $ 171,763 $ 58,000
Saginaw, Michigan 38 $ 4,043,000 $ 106,394 $ 45,000
Ocean, New Jersey 38 $ 14,719,000 $ 387,342 $ 219,000
Clatsop, Oregon 38 $ 10,122,000 $ 266,368 $ 140,000
DeSoto, Mississippi 37 $ 6,094,000 $ 164,702 $ 55,000
Montour, Pennsylvania 37 $ 4,136,000 $ 111,783 $ 82,000
Jefferson, Kentucky 36 $ 6,939,000 $ 192,750 $ 91,000
Tarrant, Texas 36 $ 4,314,000 $ 119,833 $ 34,000
Franklin, Washington 36 $ 5,491,000 $ 152,527 $ 55,000
Marshall, Alabama 35 $ 4,112,000 $ 117,485 $ 74,000
Polk, Florida 35 $ 6,784,000 $ 193,828 $ 61,000
Volusia, Florida 35 $ 5,551,000 $ 158,600 $ 54,000
St. Mary's, Maryland 35 $ 7,133,000 $ 203,800 $ 62,000
Macomb, Michigan 35 $ 4,639,000 $ 132,542 $ 62,000
Ramsey, Minnesota 35 $ 7,247,000 $ 207,057 $ 72,000
Cape May, New Jersey 35 $ 10,136,000 $ 289,600 $ 103,000
Gloucester, New Jersey 35 $ 7,567,000 $ 216,200 $ 39,000
Essex, New York 35 $ 6,784,000 $ 193,828 $ 98,000
Wake, North Carolina 35 $ 6,602,000 $ 188,628 $ 45,000
Delaware, Ohio 35 $ 12,687,000 $ 362,485 $ 115,000
Summit, Ohio 35 $ 3,880,000 $ 110,857 $ 38,000
Boulder, Colorado 34 $ 10,622,000 $ 312,411 $ 153,000
Grand, Colorado 34 $ 7,608,000 $ 223,764 $ 93,000
Osceola, Florida 34 $ 8,091,000 $ 237,970 $ 74,000
Forsyth, Georgia 34 $ 8,808,000 $ 259,058 $ 108,000
Greene, New York 34 $ 6,867,000 $ 201,970 $ 96,000
Guilford, North Carolina 34 $ 4,930,000 $ 145,000 $ 48,000
Berkeley, West Virginia 34 $ 4,190,000 $ 123,235 $ 84,000
Brevard, Florida 33 $ 6,944,000 $ 210,424 $ 91,000
Rockingham, New Hampshire 33 $ 10,075,000 $ 305,303 $ 104,000
Wyoming, Pennsylvania 33 $ 3,100,000 $ 93,939 $ 67,000
Sullivan, Tennessee 33 $ 3,702,000 $ 112,181 $ 45,000
Skagit, Washington 33 $ 7,496,000 $ 227,151 $ 76,000
Fayette, Alabama 32 $ 4,530,000 $ 141,562 $ 69,000
Leon, Florida 32 $ 5,796,000 $ 181,125 $ 62,000
St. Lucie, Florida 32 $ 7,277,000 $ 227,406 $ 44,000
Kendall, Illinois 32 $ 7,178,000 $ 224,312 $ 68,000
Middlesex, New Jersey 32 $ 8,984,000 $ 280,750 $ 70,000
Forsyth, North Carolina 32 $ 3,634,000 $ 113,562 $ 57,000
Clark, Ohio 32 $ 3,553,000 $ 111,031 $ 53,000
Portage, Ohio 32 $ 4,004,000 $ 125,125 $ 40,000
Cambria, Pennsylvania 32 $ 2,379,000 $ 74,343 $ 50,000
Perry, Pennsylvania 32 $ 3,287,000 $ 102,718 $ 64,000
Island, Washington 32 $ 8,528,000 $ 266,500 $ 113,000
Kenton, Kentucky 31 $ 3,668,000 $ 118,322 $ 49,000
Jackson, Missouri 31 $ 3,599,000 $ 116,096 $ 27,000
Strafford, New Hampshire 31 $ 6,192,000 $ 199,741 $ 91,000
Burlington, New Jersey 31 $ 6,567,000 $ 211,838 $ 41,000
Schoharie, New York 31 $ 4,535,000 $ 146,290 $ 74,000
Seminole, Florida 30 $ 5,997,000 $ 199,900 $ 57,000
Vanderburgh, Indiana 30 $ 2,779,000 $ 92,633 $ 45,000
Union, New Jersey 30 $ 8,775,000 $ 292,500 $ 74,000
Tillamook, Oregon 30 $ 7,737,000 $ 257,900 $ 132,000
Uintah, Utah 30 $ 6,217,000 $ 207,233 $ 86,000
Tuscaloosa, Alabama 29 $ 4,667,000 $ 160,931 $ 70,000
Blaine, Idaho 29 $ 9,976,000 $ 344,000 $ 142,000
Worcester, Massachusetts 29 $ 9,206,000 $ 317,448 $ 101,000
Lexington, South Carolina 29 $ 4,280,000 $ 147,586 $ 50,000
Washington, Tennessee 29 $ 3,660,000 $ 126,206 $ 49,000
Williamson, Tennessee 29 $ 9,854,000 $ 339,793 $ 78,000
Chesterfield, Virginia 29 $ 5,801,000 $ 200,034 $ 15,000
Kennebec, Maine 28 $ 4,779,000 $ 170,678 $ 62,000
Penobscot, Maine 28 $ 5,880,000 $ 210,000 $ 73,000
Warren, Ohio 28 $ 3,740,000 $ 133,571 $ 45,000
Oklahoma, Oklahoma 28 $ 4,518,000 $ 161,357 $ 32,000
Greenville, South Carolina 28 $ 4,102,000 $ 146,500 $ 43,000
Larimer, Colorado 27 $ 7,417,000 $ 274,703 $ 103,000
Lake, Florida 27 $ 6,346,000 $ 235,037 $ 78,000
Sarasota, Florida 27 $ 7,260,000 $ 268,888 $ 97,000
Hamilton, Indiana 27 $ 6,803,000 $ 251,962 $ 116,000
Ascension, Louisiana 27 $ 4,169,000 $ 154,407 $ 79,000
Tangipahoa, Louisiana 27 $ 3,896,000 $ 144,296 $ 56,000
Monroe, Mississippi 27 $ 2,291,000 $ 84,851 $ 51,000
Herkimer, New York 27 $ 3,611,000 $ 133,740 $ 60,000
Wayne, Pennsylvania 27 $ 4,342,000 $ 160,814 $ 75,000
Norfolk, Virginia 27 $ 4,980,000 $ 184,444 $ 15,000
Pueblo, Colorado 26 $ 4,027,000 $ 154,884 $ 51,000
Lake, Indiana 26 $ 3,508,000 $ 134,923 $ 68,000
Lafayette, Louisiana 26 $ 4,644,000 $ 178,615 $ 80,000
Chenango, New York 26 $ 2,873,000 $ 110,500 $ 75,000
Klickitat, Washington 26 $ 5,782,000 $ 222,384 $ 90,000
Blount, Alabama 25 $ 2,679,000 $ 107,160 $ 59,000
Lawrence, Alabama 25 $ 2,050,000 $ 82,000 $ 45,000
Collier, Florida 25 $ 9,045,000 $ 361,800 $ 172,000
Bartow, Georgia 25 $ 4,383,000 $ 175,320 $ 77,000
Winnebago, Illinois 25 $ 3,496,000 $ 139,840 $ 58,000
Suffolk, Massachusetts 25 $ 7,116,000 $ 284,640 $ 78,000
Belknap, New Hampshire 25 $ 5,877,000 $ 235,080 $ 83,000
Hillsborough, New Hampshire 25 $ 6,047,000 $ 241,880 $ 86,000
Susquehanna, Pennsylvania 25 $ 3,411,000 $ 136,440 $ 62,000
Chatham, Georgia 24 $ 4,098,000 $ 170,750 $ 13,000
Rock Island, Illinois 24 $ 2,448,000 $ 102,000 $ 44,000
Hampden, Massachusetts 24 $ 4,266,000 $ 177,750 $ 62,000
Sussex, New Jersey 24 $ 7,681,000 $ 320,041 $ 78,000
Bernalillo, New Mexico 24 $ 5,501,000 $ 229,208 $ 92,000
Durham, North Carolina 24 $ 2,897,000 $ 120,708 $ 43,000
Stark, Ohio 24 $ 3,975,000 $ 165,625 $ 61,000
Tioga, Pennsylvania 24 $ 1,655,000 $ 68,958 $ 67,000
Westmoreland, Pennsylvania 24 $ 3,438,000 $ 143,250 $ 47,000
Summit, Utah 24 $ 7,027,000 $ 292,791 $ 129,000
Lewis, Washington 24 $ 4,573,000 $ 190,541 $ 111,000
Skamania, Washington 24 $ 6,572,000 $ 273,833 $ 109,000
Navajo, Arizona 23 $ 6,113,000 $ 265,782 $ 161,000
Hall, Georgia 23 $ 3,732,000 $ 162,260 $ 47,000
Livingston, Louisiana 23 $ 3,497,000 $ 152,043 $ 74,000
Hudson, New Jersey 23 $ 7,302,000 $ 317,478 $ 91,000
Monmouth, New Jersey 23 $ 12,193,000 $ 530,130 $ 202,000
Morris, New Jersey 23 $ 7,968,000 $ 346,434 $ 96,000
Passaic, New Jersey 23 $ 6,308,000 $ 274,260 $ 73,000
Delaware, New York 23 $ 3,282,000 $ 142,695 $ 98,000
Clermont, Ohio 23 $ 3,477,000 $ 151,173 $ 46,000
Trumbull, Ohio 23 $ 2,028,000 $ 88,173 $ 12,000
Fulton, Pennsylvania 23 $ 2,366,000 $ 102,869 $ 58,000
Dallas, Texas 23 $ 3,672,000 $ 159,652 $ 64,000
Tift, Georgia 22 $ 2,627,000 $ 119,409 $ 54,000
East Feliciana, Louisiana 22 $ 3,487,000 $ 158,500 $ 63,000
Caroline, Maryland 22 $ 2,117,000 $ 96,227 $ 49,000
Norfolk, Massachusetts 22 $ 10,093,000 $ 458,772 $ 141,000
Bay, Michigan 22 $ 1,952,000 $ 88,727 $ 45,000
Anoka, Minnesota 22 $ 4,097,000 $ 186,227 $ 82,000
Kandiyohi, Minnesota 22 $ 3,155,000 $ 143,409 $ 84,000
St. Louis, Missouri 22 $ 3,061,000 $ 139,136 $ 54,000
Seneca, New York 22 $ 2,245,000 $ 102,045 $ 59,000
Buncombe, North Carolina 22 $ 5,061,000 $ 230,045 $ 65,000
Wayne, Ohio 22 $ 2,751,000 $ 125,045 $ 21,000
Benton, Oregon 22 $ 5,025,000 $ 228,409 $ 117,000
Butler, Pennsylvania 22 $ 4,016,000 $ 182,545 $ 74,000
Newport News, Virginia 22 $ 3,716,000 $ 168,909 $ 21,000
Mason, Washington 22 $ 4,711,000 $ 214,136 $ 77,000
Calhoun, Alabama 21 $ 1,992,000 $ 94,857 $ 51,000
La Plata, Colorado 21 $ 5,421,000 $ 258,142 $ 91,000
Kent, Delaware 21 $ 5,127,000 $ 244,142 $ 57,000
Johnson, Kansas 21 $ 3,480,000 $ 165,714 $ 21,000
York, Maine 21 $ 4,593,000 $ 218,714 $ 88,000
Coos, Oregon 21 $ 4,009,000 $ 190,904 $ 78,000
Huntingdon, Pennsylvania 21 $ 2,232,000 $ 106,285 $ 60,000
Henrico, Virginia 21 $ 3,738,000 $ 178,000 $ 21,000
Chelan, Washington 21 $ 5,307,000 $ 252,714 $ 128,000
Middlesex, Connecticut 20 $ 5,108,000 $ 255,400 $ 93,000
Alachua, Florida 20 $ 3,638,000 $ 181,900 $ 95,000
Dorchester, Maryland 20 $ 2,896,000 $ 144,800 $ 71,000
Montgomery, New York 20 $ 2,899,000 $ 144,950 $ 64,000
Miami, Ohio 20 $ 2,490,000 $ 124,500 $ 44,000
Grant, Oregon 20 $ 2,603,000 $ 130,150 $ 53,000
Wasco, Oregon 20 $ 4,512,000 $ 225,600 $ 75,000
Wichita, Texas 20 $ 1,873,000 $ 93,650 $ 3,000
Chesapeake, Virginia 20 $ 3,568,000 $ 178,400 $ 24,000
Litchfield, Connecticut 19 $ 4,210,000 $ 221,578 $ 59,000
Richmond, Georgia 19 $ 1,889,000 $ 99,421 $ 6,000
Queen Anne's, Maryland 19 $ 3,533,000 $ 185,947 $ 67,000
Washtenaw, Michigan 19 $ 3,644,000 $ 191,789 $ 79,000
Baker, Oregon 19 $ 3,276,000 $ 172,421 $ 81,000
Alexandria, Virginia 19 $ 7,673,000 $ 403,842 $ 159,000
Richmond City, Virginia 19 $ 2,608,000 $ 137,263 $ 7,000
Ventura, California 18 $ 6,328,000 $ 351,555 $ 157,000
Newton, Georgia 18 $ 3,452,000 $ 191,777 $ 65,000
Rockdale, Georgia 18 $ 3,334,000 $ 185,222 $ 52,000
Bonneville, Idaho 18 $ 3,467,000 $ 192,611 $ 68,000
Allen, Indiana 18 $ 1,960,000 $ 108,888 $ 40,000
Dakota, Minnesota 18 $ 4,590,000 $ 255,000 $ 99,000
St. Louis, Minnesota 18 $ 3,424,000 $ 190,222 $ 67,000
San Juan, New Mexico 18 $ 2,774,000 $ 154,111 $ 66,000
Cabarrus, North Carolina 18 $ 3,997,000 $ 222,055 $ 64,000
Beaver, Pennsylvania 18 $ 1,797,000 $ 99,833 $ 15,000
Fayette, Tennessee 18 $ 2,750,000 $ 152,777 $ 42,000
Rutherford, Tennessee 18 $ 2,617,000 $ 145,388 $ 27,000
Brazoria, Texas 18 $ 3,410,000 $ 189,444 $ 137,000
King George, Virginia 18 $ 5,110,000 $ 283,888 $ 97,000
Portsmouth, Virginia 18 $ 2,458,000 $ 136,555 $ 16,000
Preston, West Virginia 18 $ 907,000 $ 50,388 $ 44,000
New London, Connecticut 17 $ 3,999,000 $ 235,235 $ 54,000
Lumpkin, Georgia 17 $ 3,518,000 $ 206,941 $ 104,000
Natchitoches, Louisiana 17 $ 1,477,000 $ 86,882 $ 36,000
Bristol, Massachusetts 17 $ 4,375,000 $ 257,352 $ 55,000
Kent, Michigan 17 $ 2,370,000 $ 139,411 $ 82,000
Washington, Minnesota 17 $ 3,435,000 $ 202,058 $ 77,000
Pontotoc, Mississippi 17 $ 1,668,000 $ 98,117 $ 55,000
Union, North Carolina 17 $ 3,723,000 $ 219,000 $ 45,000
Greene, Ohio 17 $ 2,265,000 $ 133,235 $ 64,000
Pickaway, Ohio 17 $ 3,362,000 $ 197,764 $ 54,000
Benton, Tennessee 17 $ 1,595,000 $ 93,823 $ 48,000
Montgomery, Tennessee 17 $ 2,274,000 $ 133,764 $ 13,000
Galveston, Texas 17 $ 2,737,000 $ 161,000 $ 50,000
Wasatch, Utah 17 $ 5,136,000 $ 302,117 $ 121,000
Hampton, Virginia 17 $ 2,940,000 $ 172,941 $ 0
Mohave, Arizona 16 $ 3,704,000 $ 231,500 $ 132,000
Valley, Idaho 16 $ 6,073,000 $ 379,562 $ 152,000
Boone, Kentucky 16 $ 2,516,000 $ 157,250 $ 63,000
Sanilac, Michigan 16 $ 1,385,000 $ 86,562 $ 40,000
Olmsted, Minnesota 16 $ 3,078,000 $ 192,375 $ 77,000
Mercer, New Jersey 16 $ 3,107,000 $ 194,187 $ 73,000
Warren, New Jersey 16 $ 5,566,000 $ 347,875 $ 107,000
St. Lawrence, New York 16 $ 2,176,000 $ 136,000 $ 76,000
Mercer, Pennsylvania 16 $ 1,703,000 $ 106,437 $ 28,000
Box Elder, Utah 16 $ 3,068,000 $ 191,750 $ 75,000
Butler, Alabama 15 $ 1,979,000 $ 131,933 $ 56,000
St. Johns, Florida 15 $ 4,056,000 $ 270,400 $ 121,000
St. Bernard, Louisiana 15 $ 1,763,000 $ 117,533 $ 47,000
Hancock, Maine 15 $ 2,941,000 $ 196,066 $ 87,000
Madison, Mississippi 15 $ 3,677,000 $ 245,133 $ 85,000
Wilson, North Carolina 15 $ 1,781,000 $ 118,733 $ 83,000
Union, Ohio 15 $ 3,972,000 $ 264,800 $ 84,000
Carter, Oklahoma 15 $ 1,073,000 $ 71,533 $ 42,000
Gilliam, Oregon 15 $ 1,251,000 $ 83,400 $ 131,000
Washington, Pennsylvania 15 $ 1,622,000 $ 108,133 $ 36,000
Providence, Rhode Island 15 $ 3,168,000 $ 211,200 $ 40,000
Hawkins, Tennessee 15 $ 1,619,000 $ 107,933 $ 47,000
Marion, Tennessee 15 $ 1,423,000 $ 94,866 $ 33,000
St. Clair, Alabama 14 $ 1,998,000 $ 142,714 $ 67,000
Anchorage, Alaska 14 $ 3,123,000 $ 223,071 $ 70,000
Broomfield, Colorado 14 $ 3,668,000 $ 262,000 $ 97,000
Elbert, Colorado 14 $ 4,907,000 $ 350,500 $ 120,000
Park, Colorado 14 $ 3,552,000 $ 253,714 $ 93,000
Charlotte, Florida 14 $ 2,174,000 $ 155,285 $ 92,000
Barrow, Georgia 14 $ 1,888,000 $ 134,857 $ 43,000
Knox, Maine 14 $ 4,134,000 $ 295,285 $ 81,000
Stearns, Minnesota 14 $ 2,293,000 $ 163,785 $ 87,000
Harrison, Mississippi 14 $ 2,740,000 $ 195,714 $ 96,000
Somerset, New Jersey 14 $ 4,374,000 $ 312,428 $ 58,000
Medina, Ohio 14 $ 1,914,000 $ 136,714 $ 29,000
Richland, Ohio 14 $ 1,811,000 $ 129,357 $ 42,000
Harney, Oregon 14 $ 1,761,000 $ 125,785 $ 62,000
Klamath, Oregon 14 $ 2,333,000 $ 166,642 $ 74,000
Danville, Virginia 14 $ 1,570,000 $ 112,142 $ 48,000
Fauquier, Virginia 14 $ 3,992,000 $ 285,142 $ 224,000
Roanoke City, Virginia 14 $ 1,774,000 $ 126,714 $ 15,000
Santa Cruz, Arizona 13 $ 1,894,000 $ 145,692 $ 58,000
Sacramento, California 13 $ 3,507,000 $ 269,769 $ 135,000
Clay, Florida 13 $ 3,143,000 $ 241,769 $ 123,000
Walton, Florida 13 $ 3,842,000 $ 295,538 $ 126,000
Johnson, Indiana 13 $ 1,859,000 $ 143,000 $ 56,000
Madison, Indiana 13 $ 1,099,000 $ 84,538 $ 38,000
Morgan, Indiana 13 $ 1,200,000 $ 92,307 $ 44,000
Warrick, Indiana 13 $ 1,612,000 $ 124,000 $ 50,000
Franklin, Kentucky 13 $ 1,650,000 $ 126,923 $ 39,000
Talbot, Maryland 13 $ 2,844,000 $ 218,769 $ 99,000
Wright, Minnesota 13 $ 3,289,000 $ 253,000 $ 75,000
Grafton, New Hampshire 13 $ 3,690,000 $ 283,846 $ 121,000
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Mortgage Loan Application Detail Totals for M&T Bank in 2007

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 Purchase 25,354 $4,932,640,000 $194,000 $89,850,000 $76,000 $4,323,000
Refinancing 22,103 $4,279,188,000 $193,000 $15,000,000 $76,000 $2,561,000
Home Improvement 5,324 $301,597,000 $56,000 $41,500,000 $62,000 $6,781,000

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 35,205 $6,065,522,000 $172,000 $3,375,000 $81,000 $4,323,000
Black or African American 4,315 $644,561,000 $149,000 $1,600,000 $57,000 $1,624,000
Not Provided 4,050 $713,760,000 $176,000 $2,300,000 $92,000 $2,100,000
Hispanic 3,882 $796,102,000 $205,000 $1,280,000 $73,000 $1,680,000
Not applicable 3,712 $896,800,000 $241,000 $89,850,000 $0 $240,000
Asian 1,195 $319,130,000 $267,000 $5,000,000 $112,000 $6,781,000
American Indian or Alaskan Native 296 $50,426,000 $170,000 $1,198,000 $94,000 $586,000
Native Hawaiian or Other Pacific Islander 126 $27,124,000 $215,000 $908,000 $106,000 $479,000

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) 44,767 $8,275,880,000 $184,000 $89,850,000 $83,000 $6,781,000
FHA-insured (Federal Housing Administration) 6,835 $1,011,757,000 $148,000 $660,000 $32,000 $1,056,000
VA-guaranteed (Veterans Administration) 1,162 $224,030,000 $192,000 $426,000 $27,000 $205,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $1,758,000 $103,000 $304,000 $12,000 $65,000

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 Originated 31,190 $5,766,393,000 $184,000 $89,850,000 $80,000 $6,781,000
Application Denied By Financial Institution 9,491 $1,458,937,000 $153,000 $41,500,000 $75,000 $1,158,000
Application Approved But Not Accepted 5,545 $1,127,032,000 $203,000 $3,375,000 $88,000 $2,000,000
Loan Purchased By The Institution 3,612 $572,094,000 $158,000 $1,900,000 $0 $0
Application Withdrawn By Applicant 2,439 $504,909,000 $207,000 $2,300,000 $89,000 $2,100,000
Preapproval Denied by Financial Institution 478 $83,008,000 $173,000 $890,000 $58,000 $298,000
File Closed For Incompleteness 26 $1,052,000 $40,000 $314,000 $98,000 $437,000
Preapproval Approved but not Accepted 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 2007 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.
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