M&T Bank Mortgage Lending & HMDA Data, 2009

In 2009, M&T Bank of Buffalo, NY reported 48,263 mortgage applications totaling $9.2 billion, up 15% from 2008. The average application was for $189,662, and applicants reported an average income of $79,856. 62% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Portland-Vancouver-Beaverton, OR-WA (3,621), Buffalo-Niagara Falls, NY (3,353) and Baltimore-Towson, MD (2,329) (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 48,263
Total Mortgage Loan Application Amount $9,153,698,000
Average Mortgage Loan Application Amount $189,662
Highest Mortgage Loan Application Amount $10,000,000
Average Applicant Income $79,856
Highest Applicant Income $8,396,000

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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009

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 2,837 $ 310,041,000 $ 109,284 $ 63,000
Monroe, New York 1,551 $ 191,937,000 $ 123,750 $ 71,000
Salt Lake, Utah 1,472 $ 334,210,000 $ 227,044 $ 72,000
King, Washington 1,425 $ 440,836,000 $ 309,358 $ 117,000
York, Pennsylvania 1,252 $ 177,031,000 $ 141,398 $ 74,000
Onondaga, New York 1,007 $ 104,087,000 $ 103,363 $ 70,000
Multnomah, Oregon 999 $ 233,835,000 $ 234,069 $ 81,000
Clark, Washington 956 $ 212,446,000 $ 222,223 $ 90,000
Baltimore, Maryland 849 $ 163,503,000 $ 192,583 $ 96,000
Luzerne, Pennsylvania 763 $ 94,713,000 $ 124,132 $ 89,000
Washington, Oregon 666 $ 163,177,000 $ 245,010 $ 87,000
Clackamas, Oregon 651 $ 172,658,000 $ 265,219 $ 88,000
Pierce, Washington 636 $ 158,834,000 $ 249,738 $ 89,000
Davis, Utah 560 $ 123,279,000 $ 220,141 $ 75,000
Utah, Utah 554 $ 120,376,000 $ 217,285 $ 72,000
Niagara, New York 516 $ 49,039,000 $ 95,036 $ 56,000
Broome, New York 511 $ 47,984,000 $ 93,902 $ 62,000
Snohomish, Washington 506 $ 141,651,000 $ 279,942 $ 96,000
Baltimore City, Maryland 497 $ 61,899,000 $ 124,545 $ 59,000
Dauphin, Pennsylvania 469 $ 60,030,000 $ 127,995 $ 66,000
Ada, Idaho 468 $ 92,774,000 $ 198,235 $ 75,000
Suffolk, New York 440 $ 114,813,000 $ 260,938 $ 105,000
Franklin, Pennsylvania 408 $ 58,476,000 $ 143,323 $ 71,000
Kings, New York 406 $ 136,444,000 $ 336,068 $ 89,000
Albany, New York 393 $ 68,553,000 $ 174,435 $ 76,000
Marion, Oregon 378 $ 78,689,000 $ 208,171 $ 72,000
Lancaster, Pennsylvania 371 $ 61,908,000 $ 166,867 $ 79,000
Oneida, New York 370 $ 35,585,000 $ 96,175 $ 62,000
Nassau, New York 358 $ 114,963,000 $ 321,125 $ 128,000
Cumberland, Pennsylvania 358 $ 57,893,000 $ 161,712 $ 80,000
Berks, Pennsylvania 356 $ 42,797,000 $ 120,216 $ 70,000
Orange, New York 343 $ 68,253,000 $ 198,988 $ 86,000
Saratoga, New York 321 $ 62,212,000 $ 193,806 $ 75,000
Blair, Pennsylvania 321 $ 35,644,000 $ 111,040 $ 82,000
Harford, Maryland 314 $ 61,921,000 $ 197,200 $ 80,000
Lane, Oregon 314 $ 66,283,000 $ 211,092 $ 68,000
Denver, Colorado 313 $ 77,385,000 $ 247,236 $ 111,000
Queens, New York 306 $ 86,674,000 $ 283,248 $ 67,000
Jefferson, Colorado 297 $ 72,116,000 $ 242,814 $ 107,000
Prince George's, Maryland 293 $ 57,559,000 $ 196,447 $ 53,000
Anne Arundel, Maryland 287 $ 59,917,000 $ 208,770 $ 89,000
New York, New York 287 $ 144,607,000 $ 503,857 $ 249,000
Weber, Utah 287 $ 55,293,000 $ 192,658 $ 63,000
Montgomery, Maryland 286 $ 92,149,000 $ 322,199 $ 127,000
Westchester, New York 275 $ 91,101,000 $ 331,276 $ 115,000
Arapahoe, Colorado 270 $ 63,832,000 $ 236,414 $ 105,000
New Haven, Connecticut 268 $ 53,255,000 $ 198,712 $ 73,000
Schenectady, New York 261 $ 36,410,000 $ 139,501 $ 60,000
Dutchess, New York 257 $ 55,058,000 $ 214,233 $ 101,000
Fairfield, Connecticut 245 $ 79,592,000 $ 324,865 $ 120,000
Schuylkill, Pennsylvania 243 $ 21,184,000 $ 87,176 $ 79,000
Douglas, Colorado 239 $ 67,980,000 $ 284,435 $ 116,000
Washington, Maryland 230 $ 32,351,000 $ 140,656 $ 63,000
Philadelphia, Pennsylvania 225 $ 41,673,000 $ 185,213 $ 75,000
Rensselaer, New York 212 $ 29,975,000 $ 141,391 $ 64,000
Centre, Pennsylvania 211 $ 30,968,000 $ 146,767 $ 93,000
Montgomery, Pennsylvania 207 $ 50,523,000 $ 244,072 $ 103,000
Carroll, Maryland 193 $ 40,187,000 $ 208,222 $ 96,000
Lycoming, Pennsylvania 190 $ 25,377,000 $ 133,563 $ 72,000
Fairfax, Virginia 186 $ 63,192,000 $ 339,741 $ 166,000
Frederick, Maryland 183 $ 36,213,000 $ 197,885 $ 91,000
Lackawanna, Pennsylvania 179 $ 23,998,000 $ 134,067 $ 60,000
Herkimer, New York 168 $ 11,552,000 $ 68,761 $ 54,000
Ontario, New York 167 $ 27,697,000 $ 165,850 $ 91,000
Columbia, Oregon 164 $ 33,412,000 $ 203,731 $ 66,000
Yamhill, Oregon 164 $ 37,479,000 $ 228,530 $ 80,000
District of Columbia, District Of Columbia 163 $ 43,546,000 $ 267,153 $ 100,000
Cuyahoga, Ohio 162 $ 17,909,000 $ 110,549 $ 17,000
Chautauqua, New York 158 $ 11,412,000 $ 72,227 $ 97,000
Allegany, Maryland 157 $ 16,407,000 $ 104,503 $ 71,000
Howard, Maryland 156 $ 34,954,000 $ 224,064 $ 112,000
Ulster, New York 156 $ 24,220,000 $ 155,256 $ 94,000
Chester, Pennsylvania 156 $ 39,456,000 $ 252,923 $ 113,000
Genesee, New York 155 $ 13,712,000 $ 88,464 $ 57,000
Thurston, Washington 152 $ 36,990,000 $ 243,355 $ 79,000
Hartford, Connecticut 149 $ 30,790,000 $ 206,644 $ 82,000
Northumberland, Pennsylvania 142 $ 11,335,000 $ 79,823 $ 60,000
Bedford, Pennsylvania 140 $ 10,270,000 $ 73,357 $ 50,000
Tooele, Utah 139 $ 28,601,000 $ 205,762 $ 60,000
Delaware, Pennsylvania 138 $ 25,105,000 $ 181,920 $ 85,000
Adams, Pennsylvania 136 $ 21,454,000 $ 157,750 $ 72,000
Boulder, Colorado 134 $ 32,751,000 $ 244,410 $ 99,000
Adams, Colorado 130 $ 25,452,000 $ 195,784 $ 73,000
Bonneville, Idaho 129 $ 22,931,000 $ 177,759 $ 67,000
Cayuga, New York 129 $ 14,231,000 $ 110,317 $ 87,000
Deschutes, Oregon 128 $ 30,613,000 $ 239,164 $ 106,000
Bucks, Pennsylvania 128 $ 31,412,000 $ 245,406 $ 106,000
Allegheny, Pennsylvania 127 $ 16,299,000 $ 128,338 $ 58,000
Linn, Oregon 126 $ 22,823,000 $ 181,134 $ 64,000
Clark, Nevada 121 $ 24,970,000 $ 206,363 $ 90,000
Jackson, Oregon 120 $ 27,233,000 $ 226,941 $ 71,000
Prince William, Virginia 119 $ 32,951,000 $ 276,899 $ 99,000
Lebanon, Pennsylvania 110 $ 17,129,000 $ 155,718 $ 68,000
Mineral, West Virginia 110 $ 10,835,000 $ 98,500 $ 54,000
Wayne, New York 109 $ 12,911,000 $ 118,449 $ 59,000
Genesee, Michigan 108 $ 8,949,000 $ 82,861 $ 0
Grand, Colorado 105 $ 25,905,000 $ 246,714 $ 140,000
Bradford, Pennsylvania 104 $ 6,694,000 $ 64,365 $ 52,000
Canyon, Idaho 102 $ 17,425,000 $ 170,833 $ 61,000
Middlesex, Massachusetts 102 $ 30,509,000 $ 299,107 $ 86,000
Rockland, New York 101 $ 26,491,000 $ 262,287 $ 113,000
Bronx, New York 100 $ 35,292,000 $ 352,920 $ 56,000
Polk, Oregon 100 $ 23,334,000 $ 233,340 $ 73,000
Spotsylvania, Virginia 99 $ 20,292,000 $ 204,969 $ 78,000
Atlantic, New Jersey 96 $ 20,717,000 $ 215,802 $ 47,000
Cattaraugus, New York 94 $ 7,545,000 $ 80,265 $ 68,000
Columbia, Pennsylvania 94 $ 9,879,000 $ 105,095 $ 60,000
Yakima, Washington 93 $ 17,074,000 $ 183,591 $ 72,000
Cache, Utah 91 $ 17,532,000 $ 192,659 $ 70,000
Garrett, Maryland 88 $ 12,094,000 $ 137,431 $ 66,000
Madison, New York 88 $ 8,889,000 $ 101,011 $ 65,000
Wicomico, Maryland 86 $ 12,822,000 $ 149,093 $ 66,000
Franklin, Ohio 86 $ 11,817,000 $ 137,406 $ 23,000
Jefferson, New York 85 $ 13,430,000 $ 158,000 $ 80,000
Oswego, New York 85 $ 8,187,000 $ 96,317 $ 52,000
Union, Pennsylvania 85 $ 10,736,000 $ 126,305 $ 79,000
El Paso, Colorado 84 $ 18,724,000 $ 222,904 $ 80,000
Providence, Rhode Island 83 $ 16,862,000 $ 203,156 $ 60,000
Clinton, New York 82 $ 10,522,000 $ 128,317 $ 75,000
Otsego, New York 82 $ 10,624,000 $ 129,560 $ 70,000
Cowlitz, Washington 82 $ 17,203,000 $ 209,792 $ 72,000
Hamilton, Ohio 81 $ 9,357,000 $ 115,518 $ 36,000
Calvert, Maryland 79 $ 16,969,000 $ 214,797 $ 116,000
Fulton, New York 79 $ 7,870,000 $ 99,620 $ 54,000
Sanpete, Utah 79 $ 14,134,000 $ 178,911 $ 65,000
Sussex, Delaware 78 $ 17,280,000 $ 221,538 $ 124,000
Lehigh, Pennsylvania 78 $ 12,146,000 $ 155,717 $ 115,000
Chemung, New York 77 $ 6,548,000 $ 85,038 $ 34,000
Benton, Washington 77 $ 14,324,000 $ 186,025 $ 70,000
Essex, Massachusetts 76 $ 17,571,000 $ 231,197 $ 69,000
Clearfield, Pennsylvania 75 $ 4,643,000 $ 61,906 $ 48,000
Spokane, Washington 75 $ 14,906,000 $ 198,746 $ 75,000
Wyoming, New York 74 $ 6,450,000 $ 87,162 $ 54,000
Stafford, Virginia 74 $ 23,034,000 $ 311,270 $ 148,000
Richmond, New York 71 $ 17,889,000 $ 251,957 $ 85,000
Sullivan, New York 71 $ 10,227,000 $ 144,042 $ 98,000
Loudoun, Virginia 71 $ 22,049,000 $ 310,549 $ 120,000
Summit, Colorado 70 $ 20,089,000 $ 286,985 $ 188,000
Putnam, New York 70 $ 15,135,000 $ 216,214 $ 104,000
Tioga, New York 70 $ 7,459,000 $ 106,557 $ 58,000
Bristol, Massachusetts 69 $ 14,844,000 $ 215,130 $ 70,000
Chenango, New York 68 $ 5,595,000 $ 82,279 $ 58,000
Livingston, New York 68 $ 6,625,000 $ 97,426 $ 64,000
Douglas, Oregon 68 $ 12,984,000 $ 190,941 $ 73,000
Wasco, Oregon 68 $ 12,387,000 $ 182,161 $ 75,000
Bergen, New Jersey 67 $ 26,743,000 $ 399,149 $ 125,000
Monroe, Pennsylvania 67 $ 9,652,000 $ 144,059 $ 66,000
Essex, New Jersey 66 $ 20,134,000 $ 305,060 $ 109,000
Benton, Oregon 64 $ 14,904,000 $ 232,875 $ 102,000
Josephine, Oregon 64 $ 13,524,000 $ 211,312 $ 61,000
Kitsap, Washington 64 $ 18,267,000 $ 285,421 $ 84,000
Cecil, Maryland 63 $ 12,911,000 $ 204,936 $ 76,000
Plymouth, Massachusetts 63 $ 15,982,000 $ 253,682 $ 79,000
Oakland, Michigan 63 $ 5,615,000 $ 89,126 $ 0
Summit, Ohio 63 $ 6,924,000 $ 109,904 $ 16,000
Steuben, New York 61 $ 4,085,000 $ 66,967 $ 55,000
Clinton, Pennsylvania 61 $ 3,726,000 $ 61,081 $ 50,000
Worcester, Massachusetts 60 $ 11,090,000 $ 184,833 $ 54,000
St. Lawrence, New York 60 $ 6,298,000 $ 104,966 $ 63,000
Whatcom, Washington 60 $ 15,754,000 $ 262,566 $ 89,000
Orleans, New York 57 $ 4,604,000 $ 80,771 $ 52,000
Oklahoma, Oklahoma 57 $ 8,674,000 $ 152,175 $ 0
Carbon, Pennsylvania 57 $ 5,636,000 $ 98,877 $ 74,000
Washington, Utah 57 $ 12,410,000 $ 217,719 $ 125,000
Clallam, Washington 57 $ 13,603,000 $ 238,649 $ 70,000
Worcester, Maryland 55 $ 11,354,000 $ 206,436 $ 124,000
Middlesex, New Jersey 55 $ 14,825,000 $ 269,545 $ 72,000
Tompkins, New York 54 $ 7,117,000 $ 131,796 $ 75,000
Warren, New York 54 $ 9,041,000 $ 167,425 $ 86,000
Clatsop, Oregon 54 $ 13,456,000 $ 249,185 $ 130,000
Penobscot, Maine 53 $ 8,043,000 $ 151,754 $ 57,000
Suffolk, Massachusetts 53 $ 14,277,000 $ 269,377 $ 86,000
New Castle, Delaware 52 $ 12,504,000 $ 240,461 $ 54,000
Charles, Maryland 52 $ 9,019,000 $ 173,442 $ 67,000
Camden, New Jersey 52 $ 9,228,000 $ 177,461 $ 68,000
Washington, New York 52 $ 6,070,000 $ 116,730 $ 55,000
Lincoln, Oregon 52 $ 13,875,000 $ 266,826 $ 101,000
Snyder, Pennsylvania 51 $ 4,785,000 $ 93,823 $ 59,000
Island, Washington 50 $ 13,386,000 $ 267,720 $ 99,000
Skagit, Washington 50 $ 11,700,000 $ 234,000 $ 69,000
Union, New Jersey 49 $ 13,554,000 $ 276,612 $ 84,000
Blaine, Idaho 48 $ 15,288,000 $ 318,500 $ 128,000
Coos, Oregon 48 $ 8,520,000 $ 177,500 $ 50,000
Tillamook, Oregon 48 $ 10,544,000 $ 219,666 $ 94,000
Norfolk, Massachusetts 47 $ 14,844,000 $ 315,829 $ 96,000
Umatilla, Oregon 47 $ 6,660,000 $ 141,702 $ 65,000
Erie, Pennsylvania 47 $ 6,251,000 $ 133,000 $ 45,000
La Plata, Colorado 46 $ 10,914,000 $ 237,260 $ 95,000
Hillsborough, New Hampshire 46 $ 10,098,000 $ 219,521 $ 65,000
Cortland, New York 46 $ 3,893,000 $ 84,630 $ 44,000
Riverside, California 45 $ 14,801,000 $ 328,911 $ 79,000
Hood River, Oregon 45 $ 11,629,000 $ 258,422 $ 95,000
Weld, Colorado 44 $ 10,028,000 $ 227,909 $ 86,000
Taos, New Mexico 44 $ 11,513,000 $ 261,659 $ 112,000
Monmouth, New Jersey 43 $ 13,938,000 $ 324,139 $ 145,000
Ocean, New Jersey 42 $ 11,678,000 $ 278,047 $ 219,000
Passaic, New Jersey 42 $ 12,091,000 $ 287,880 $ 74,000
Lake, Ohio 42 $ 4,443,000 $ 105,785 $ 8,000
Northampton, Pennsylvania 42 $ 7,501,000 $ 178,595 $ 76,000
Broomfield, Colorado 41 $ 10,738,000 $ 261,902 $ 108,000
Miami-Dade, Florida 41 $ 7,574,000 $ 184,731 $ 40,000
Orleans, Louisiana 41 $ 6,788,000 $ 165,560 $ 0
Butler, Ohio 41 $ 6,236,000 $ 152,097 $ 43,000
Hudson, New Jersey 40 $ 13,965,000 $ 349,125 $ 80,000
Orange, Florida 39 $ 6,499,000 $ 166,641 $ 15,000
Morrow, Oregon 39 $ 4,851,000 $ 124,384 $ 79,000
Pike, Pennsylvania 39 $ 5,675,000 $ 145,512 $ 84,000
Broward, Florida 38 $ 8,084,000 $ 212,736 $ 98,000
Rockingham, New Hampshire 38 $ 8,753,000 $ 230,342 $ 80,000
Montour, Pennsylvania 38 $ 6,259,000 $ 164,710 $ 90,000
Wyoming, Pennsylvania 38 $ 4,832,000 $ 127,157 $ 56,000
Franklin, Washington 38 $ 6,038,000 $ 158,894 $ 62,000
St. Mary's, Maryland 37 $ 7,265,000 $ 196,351 $ 87,000
Perry, Pennsylvania 37 $ 4,354,000 $ 117,675 $ 71,000
Mahoning, Ohio 36 $ 3,555,000 $ 98,750 $ 15,000
Henrico, Virginia 36 $ 6,206,000 $ 172,388 $ 41,000
Lewis, Washington 36 $ 6,748,000 $ 187,444 $ 59,000
Litchfield, Connecticut 35 $ 8,050,000 $ 230,000 $ 92,000
Burlington, New Jersey 34 $ 6,704,000 $ 197,176 $ 54,000
Columbia, New York 34 $ 4,913,000 $ 144,500 $ 63,000
Summit, Utah 34 $ 10,074,000 $ 296,294 $ 206,000
Chelan, Washington 34 $ 8,964,000 $ 263,647 $ 158,000
Klickitat, Washington 34 $ 7,465,000 $ 219,558 $ 79,000
Queen Anne's, Maryland 33 $ 7,058,000 $ 213,878 $ 89,000
Lorain, Ohio 33 $ 4,010,000 $ 121,515 $ 11,000
Butler, Pennsylvania 33 $ 6,243,000 $ 189,181 $ 64,000
Ravalli, Montana 32 $ 5,858,000 $ 183,062 $ 61,000
Box Elder, Utah 32 $ 6,444,000 $ 201,375 $ 53,000
Middlesex, Connecticut 31 $ 7,443,000 $ 240,096 $ 79,000
Palm Beach, Florida 31 $ 7,840,000 $ 252,903 $ 460,000
Macomb, Michigan 30 $ 2,310,000 $ 77,000 $ 0
Essex, New York 30 $ 5,017,000 $ 167,233 $ 94,000
Montgomery, New York 30 $ 3,161,000 $ 105,366 $ 52,000
Westmoreland, Pennsylvania 30 $ 4,193,000 $ 139,766 $ 49,000
Chesterfield, Virginia 30 $ 6,630,000 $ 221,000 $ 61,000
Jefferson, Idaho 29 $ 5,294,000 $ 182,551 $ 54,000
Hampden, Massachusetts 29 $ 4,692,000 $ 161,793 $ 44,000
Montgomery, Ohio 29 $ 3,111,000 $ 107,275 $ 29,000
Wayne, Pennsylvania 28 $ 4,952,000 $ 176,857 $ 134,000
Pueblo, Colorado 27 $ 5,085,000 $ 188,333 $ 63,000
Franklin, Idaho 27 $ 5,041,000 $ 186,703 $ 78,000
East Baton Rouge, Louisiana 27 $ 3,832,000 $ 141,925 $ 0
Morris, New Jersey 27 $ 9,625,000 $ 356,481 $ 87,000
Delaware, New York 27 $ 3,348,000 $ 124,000 $ 83,000
Harney, Oregon 27 $ 4,518,000 $ 167,333 $ 57,000
Huntingdon, Pennsylvania 27 $ 3,710,000 $ 137,407 $ 87,000
Mason, Washington 27 $ 6,153,000 $ 227,888 $ 121,000
New London, Connecticut 26 $ 5,761,000 $ 221,576 $ 54,000
Cape May, New Jersey 26 $ 12,304,000 $ 473,230 $ 156,000
Mercer, New Jersey 26 $ 5,454,000 $ 209,769 $ 83,000
Allegany, New York 26 $ 1,392,000 $ 53,538 $ 53,000
Kittitas, Washington 26 $ 6,124,000 $ 235,538 $ 203,000
Berkeley, West Virginia 26 $ 4,035,000 $ 155,192 $ 62,000
Greene, New York 25 $ 3,959,000 $ 158,360 $ 75,000
Arlington, Virginia 25 $ 14,029,000 $ 561,160 $ 126,000
Payette, Idaho 24 $ 4,101,000 $ 170,875 $ 40,000
Muskingum, Ohio 24 $ 2,983,000 $ 124,291 $ 21,000
Kent, Rhode Island 24 $ 4,685,000 $ 195,208 $ 67,000
Los Angeles, California 23 $ 8,907,000 $ 387,260 $ 89,000
Bannock, Idaho 23 $ 3,261,000 $ 141,782 $ 58,000
Bernalillo, New Mexico 23 $ 4,683,000 $ 203,608 $ 94,000
Seneca, New York 23 $ 2,196,000 $ 95,478 $ 55,000
Warren, Ohio 23 $ 3,394,000 $ 147,565 $ 36,000
Klamath, Oregon 23 $ 4,997,000 $ 217,260 $ 75,000
Calhoun, Michigan 22 $ 1,642,000 $ 74,636 $ 0
Gloucester, New Jersey 22 $ 3,851,000 $ 175,045 $ 55,000
Portage, Ohio 22 $ 2,533,000 $ 115,136 $ 17,000
Susquehanna, Pennsylvania 22 $ 2,681,000 $ 121,863 $ 54,000
Larimer, Colorado 21 $ 5,548,000 $ 264,190 $ 106,000
Kenton, Kentucky 21 $ 2,794,000 $ 133,047 $ 26,000
Schoharie, New York 21 $ 2,610,000 $ 124,285 $ 51,000
Skamania, Washington 21 $ 5,319,000 $ 253,285 $ 81,000
Fresno, California 20 $ 2,565,000 $ 128,250 $ 0
Bingham, Idaho 20 $ 3,017,000 $ 150,850 $ 70,000
Barnstable, Massachusetts 20 $ 5,160,000 $ 258,000 $ 68,000
Medina, Ohio 20 $ 2,971,000 $ 148,550 $ 13,000
Fulton, Pennsylvania 20 $ 2,916,000 $ 145,800 $ 91,000
Richmond City, Virginia 20 $ 2,837,000 $ 141,850 $ 54,000
Hampshire, West Virginia 20 $ 3,140,000 $ 157,000 $ 76,000
Garfield, Colorado 19 $ 5,889,000 $ 309,947 $ 102,000
Lake, Florida 19 $ 2,779,000 $ 146,263 $ 1,000
Lee, Florida 19 $ 2,911,000 $ 153,210 $ 107,000
Wayne, Michigan 19 $ 1,694,000 $ 89,157 $ 0
Fairfield, Ohio 19 $ 3,583,000 $ 188,578 $ 72,000
Trumbull, Ohio 19 $ 1,637,000 $ 86,157 $ 14,000
Malheur, Oregon 19 $ 2,893,000 $ 152,263 $ 61,000
Uintah, Utah 19 $ 4,253,000 $ 223,842 $ 61,000
Caroline, Virginia 19 $ 2,623,000 $ 138,052 $ 41,000
Virginia Beach, Virginia 19 $ 4,146,000 $ 218,210 $ 35,000
Anchorage, Alaska 18 $ 4,289,000 $ 238,277 $ 66,000
Elbert, Colorado 18 $ 4,777,000 $ 265,388 $ 119,000
Kent, Delaware 18 $ 4,375,000 $ 243,055 $ 82,000
Boone, Kentucky 18 $ 2,765,000 $ 153,611 $ 16,000
York, Maine 18 $ 2,514,000 $ 139,666 $ 51,000
Talbot, Maryland 18 $ 7,070,000 $ 392,777 $ 465,000
Delaware, Ohio 18 $ 4,524,000 $ 251,333 $ 73,000
Fayette, Pennsylvania 18 $ 2,093,000 $ 116,277 $ 65,000
Sullivan, Pennsylvania 18 $ 1,598,000 $ 88,777 $ 87,000
Washington, Pennsylvania 18 $ 3,625,000 $ 201,388 $ 59,000
Morgan, Utah 18 $ 4,654,000 $ 258,555 $ 83,000
Tolland, Connecticut 17 $ 2,909,000 $ 171,117 $ 53,000
Cumberland, Maine 17 $ 3,517,000 $ 206,882 $ 78,000
Dorchester, Maryland 17 $ 3,091,000 $ 181,823 $ 70,000
Franklin, New York 17 $ 2,153,000 $ 126,647 $ 68,000
Grant, Oregon 17 $ 2,895,000 $ 170,294 $ 62,000
Grays Harbor, Washington 17 $ 3,015,000 $ 177,352 $ 69,000
Pacific, Washington 17 $ 3,135,000 $ 184,411 $ 101,000
Maricopa, Arizona 16 $ 2,501,000 $ 156,312 $ 182,000
Missoula, Montana 16 $ 3,215,000 $ 200,937 $ 48,000
Sussex, New Jersey 16 $ 3,676,000 $ 229,750 $ 65,000
Clermont, Ohio 16 $ 2,229,000 $ 139,312 $ 37,000
Cambria, Pennsylvania 16 $ 1,589,000 $ 99,312 $ 72,000
Somerset, Pennsylvania 16 $ 2,073,000 $ 129,562 $ 158,000
Park, Colorado 15 $ 3,471,000 $ 231,400 $ 128,000
St. Lucie, Florida 15 $ 2,127,000 $ 141,800 $ 248,000
DeKalb, Georgia 15 $ 1,972,000 $ 131,466 $ 0
Caroline, Maryland 15 $ 1,805,000 $ 120,333 $ 72,000
Yates, New York 15 $ 2,611,000 $ 174,066 $ 204,000
Lucas, Ohio 15 $ 1,687,000 $ 112,466 $ 19,000
Bexar, Texas 15 $ 1,717,000 $ 114,466 $ 2,000
Eagle, Colorado 14 $ 3,923,000 $ 280,214 $ 143,000
Routt, Colorado 14 $ 4,205,000 $ 300,357 $ 182,000
Twin Falls, Idaho 14 $ 2,205,000 $ 157,500 $ 56,000
Somerset, New Jersey 14 $ 4,013,000 $ 286,642 $ 30,000
Curry, Oregon 14 $ 3,492,000 $ 249,428 $ 78,000
Wasatch, Utah 14 $ 3,806,000 $ 271,857 $ 106,000
Fauquier, Virginia 14 $ 5,695,000 $ 406,785 $ 129,000
Collier, Florida 13 $ 6,006,000 $ 462,000 $ 494,000
Madison, Idaho 13 $ 2,225,000 $ 171,153 $ 54,000
Allen, Ohio 13 $ 1,489,000 $ 114,538 $ 0
Columbiana, Ohio 13 $ 1,251,000 $ 96,230 $ 0
Licking, Ohio 13 $ 2,504,000 $ 192,615 $ 57,000
Chittenden, Vermont 13 $ 3,988,000 $ 306,769 $ 55,000
Jefferson, Washington 13 $ 3,478,000 $ 267,538 $ 123,000
Ohio, West Virginia 13 $ 2,375,000 $ 182,692 $ 79,000
Pima, Arizona 12 $ 1,524,000 $ 127,000 $ 49,000
Pinellas, Florida 12 $ 2,752,000 $ 229,333 $ 191,000
Cumberland, New Jersey 12 $ 1,742,000 $ 145,166 $ 12,000
Lewis, New York 12 $ 2,347,000 $ 195,583 $ 153,000
Schuyler, New York 12 $ 1,398,000 $ 116,500 $ 36,000
Beaver, Pennsylvania 12 $ 1,436,000 $ 119,666 $ 63,000
Horry, South Carolina 12 $ 1,828,000 $ 152,333 $ 134,000
Dallas, Texas 12 $ 1,676,000 $ 139,666 $ 0
Harris, Texas 12 $ 1,390,000 $ 115,833 $ 0
Chesapeake, Virginia 12 $ 2,512,000 $ 209,333 $ 34,000
Douglas, Washington 12 $ 3,307,000 $ 275,583 $ 95,000
San Bernardino, California 11 $ 1,914,000 $ 174,000 $ 31,000
San Diego, California 11 $ 3,874,000 $ 352,181 $ 106,000
San Miguel, Colorado 11 $ 3,469,000 $ 315,363 $ 90,000
Fulton, Georgia 11 $ 1,401,000 $ 127,363 $ 0
Kootenai, Idaho 11 $ 2,440,000 $ 221,818 $ 154,000
Valley, Idaho 11 $ 3,073,000 $ 279,363 $ 141,000
Somerset, Maryland 11 $ 2,737,000 $ 248,818 $ 57,000
Hennepin, Minnesota 11 $ 2,991,000 $ 271,909 $ 80,000
Merrimack, New Hampshire 11 $ 2,097,000 $ 190,636 $ 47,000
Hunterdon, New Jersey 11 $ 3,114,000 $ 283,090 $ 83,000
Ashtabula, Ohio 11 $ 951,000 $ 86,454 $ 16,000
Richland, Ohio 11 $ 1,206,000 $ 109,636 $ 46,000
Union, Oregon 11 $ 1,855,000 $ 168,636 $ 64,000
Wallowa, Oregon 11 $ 1,916,000 $ 174,181 $ 87,000
Washington, Rhode Island 11 $ 3,196,000 $ 290,545 $ 218,000
Sevier, Utah 11 $ 2,230,000 $ 202,727 $ 62,000
Alexandria, Virginia 11 $ 4,464,000 $ 405,818 $ 147,000
Manassas, Virginia 11 $ 1,510,000 $ 137,272 $ 88,000
Grant, Washington 11 $ 2,364,000 $ 214,909 $ 100,000
Stevens, Washington 11 $ 2,392,000 $ 217,454 $ 85,000
Mobile, Alabama 10 $ 1,405,000 $ 140,500 $ 0
Windham, Connecticut 10 $ 2,105,000 $ 210,500 $ 73,000
Duval, Florida 10 $ 1,305,000 $ 130,500 $ 4,000
Seminole, Florida 10 $ 1,880,000 $ 188,000 $ 5,000
Boise, Idaho 10 $ 2,080,000 $ 208,000 $ 77,000
Kennebec, Maine 10 $ 1,854,000 $ 185,400 $ 113,000
Flathead, Montana 10 $ 2,747,000 $ 274,700 $ 101,000
Strafford, New Hampshire 10 $ 1,857,000 $ 185,700 $ 61,000
Robeson, North Carolina 10 $ 1,151,000 $ 115,100 $ 47,000
Stark, Ohio 10 $ 791,000 $ 79,100 $ 5,000
Mifflin, Pennsylvania 10 $ 851,000 $ 85,100 $ 111,000
Emery, Utah 10 $ 1,871,000 $ 187,100 $ 70,000
Juab, Utah 10 $ 1,726,000 $ 172,600 $ 50,000
Culpeper, Virginia 10 $ 1,742,000 $ 174,200 $ 76,000
Orange, Virginia 10 $ 1,688,000 $ 168,800 $ 81,000
Mesa, Colorado 9 $ 2,193,000 $ 243,666 $ 151,000
Montrose, Colorado 9 $ 2,171,000 $ 241,222 $ 79,000
Sarasota, Florida 9 $ 3,644,000 $ 404,888 $ 183,000
Fremont, Idaho 9 $ 1,494,000 $ 166,000 $ 52,000
Gem, Idaho 9 $ 1,528,000 $ 169,777 $ 49,000
Cook, Illinois 9 $ 1,690,000 $ 187,777 $ 11,000
Marion, Indiana 9 $ 1,267,000 $ 140,777 $ 7,000
Saginaw, Michigan 9 $ 768,000 $ 85,333 $ 0
Wayne, Ohio 9 $ 1,153,000 $ 128,111 $ 33,000
Cleveland, Oklahoma 9 $ 1,715,000 $ 190,555 $ 0
Iron, Utah 9 $ 1,775,000 $ 197,222 $ 139,000
Hampton, Virginia 9 $ 1,332,000 $ 148,000 $ 7,000
Newport News, Virginia 9 $ 1,479,000 $ 164,333 $ 10,000
San Juan, Washington 9 $ 2,772,000 $ 308,000 $ 87,000
Walla Walla, Washington 9 $ 2,233,000 $ 248,111 $ 96,000
Kern, California 8 $ 1,467,000 $ 183,375 $ 13,000
Clear Creek, Colorado 8 $ 2,397,000 $ 299,625 $ 142,000
Osceola, Florida 8 $ 1,037,000 $ 129,625 $ 11,000
Volusia, Florida 8 $ 1,390,000 $ 173,750 $ 73,000
Hampshire, Massachusetts 8 $ 1,479,000 $ 184,875 $ 51,000
Lapeer, Michigan 8 $ 706,000 $ 88,250 $ 0
Cumberland, North Carolina 8 $ 924,000 $ 115,500 $ 0
Crook, Oregon 8 $ 1,681,000 $ 210,125 $ 78,000
Jefferson, Oregon 8 $ 1,439,000 $ 179,875 $ 71,000
Juniata, Pennsylvania 8 $ 1,239,000 $ 154,875 $ 74,000
Millard, Utah 8 $ 1,164,000 $ 145,500 $ 86,000
Kenai Peninsula, Alaska 7 $ 1,258,000 $ 179,714 $ 65,000
Hillsborough, Florida 7 $ 952,000 $ 136,000 $ 8,000
Pasco, Florida 7 $ 862,000 $ 123,142 $ 6,000
Polk, Florida 7 $ 582,000 $ 83,142 $ 9,000
Clayton, Georgia 7 $ 702,000 $ 100,285 $ 15,000
Jefferson, Louisiana 7 $ 1,076,000 $ 153,714 $ 0
Hancock, Maine 7 $ 1,237,000 $ 176,714 $ 85,000
Kent, Maryland 7 $ 2,425,000 $ 346,428 $ 256,000
Yellowstone, Montana 7 $ 1,694,000 $ 242,000 $ 116,000
Belknap, New Hampshire 7 $ 1,272,000 $ 181,714 $ 52,000
Ashland, Ohio 7 $ 613,000 $ 87,571 $ 9,000
Geauga, Ohio 7 $ 1,082,000 $ 154,571 $ 28,000
Gilliam, Oregon 7 $ 687,000 $ 98,142 $ 38,000
Fredericksburg, Virginia 7 $ 1,859,000 $ 265,571 $ 111,000
Hanover, Virginia 7 $ 1,384,000 $ 197,714 $ 61,000
Roanoke, Virginia 7 $ 891,000 $ 127,285 $ 27,000
Jefferson, West Virginia 7 $ 1,460,000 $ 208,571 $ 91,000
Preston, West Virginia 7 $ 210,000 $ 30,000 $ 34,000
Matanuska-Susitna, Alaska 6 $ 1,184,000 $ 197,333 $ 51,000
Delta, Colorado 6 $ 1,425,000 $ 237,500 $ 76,000
Martin, Florida 6 $ 1,267,000 $ 211,166 $ 16,000
Cobb, Georgia 6 $ 840,000 $ 140,000 $ 0
Gwinnett, Georgia 6 $ 752,000 $ 125,333 $ 0
Butte, Idaho 6 $ 734,000 $ 122,333 $ 49,000
Aroostook, Maine 6 $ 437,000 $ 72,833 $ 57,000
Livingston, Michigan 6 $ 862,000 $ 143,666 $ 0
St. Joseph, Michigan 6 $ 477,000 $ 79,500 $ 0
Salem, New Jersey 6 $ 988,000 $ 164,666 $ 38,000
Warren, New Jersey 6 $ 1,584,000 $ 264,000 $ 84,000
Guilford, North Carolina 6 $ 1,001,000 $ 166,833 $ 26,000
Mecklenburg, North Carolina 6 $ 945,000 $ 157,500 $ 8,000
Baker, Oregon 6 $ 1,494,000 $ 249,000 $ 83,000
Indiana, Pennsylvania 6 $ 729,000 $ 121,500 $ 64,000
Potter, Pennsylvania 6 $ 730,000 $ 121,666 $ 84,000
Newport, Rhode Island 6 $ 2,119,000 $ 353,166 $ 186,000
Beaufort, South Carolina 6 $ 1,482,000 $ 247,000 $ 325,000
Duchesne, Utah 6 $ 819,000 $ 136,500 $ 56,000
Garfield, Utah 6 $ 1,112,000 $ 185,333 $ 45,000
Rich, Utah 6 $ 1,116,000 $ 186,000 $ 114,000
Albemarle, Virginia 6 $ 1,398,000 $ 233,000 $ 107,000
King George, Virginia 6 $ 1,190,000 $ 198,333 $ 53,000
Manassas Park, Virginia 6 $ 901,000 $ 150,166 $ 65,000
Norfolk, Virginia 6 $ 1,424,000 $ 237,333 $ 48,000
Portsmouth, Virginia 6 $ 1,198,000 $ 199,666 $ 24,000
Okanogan, Washington 6 $ 1,402,000 $ 233,666 $ 88,000
Morgan, West Virginia 6 $ 751,000 $ 125,166 $ 106,000
Orange, California 5 $ 1,855,000 $ 371,000 $ 76,000
Huerfano, Colorado 5 $ 748,000 $ 149,600 $ 85,000
Ouray, Colorado 5 $ 1,812,000 $ 362,400 $ 87,000
Bear Lake, Idaho 5 $ 848,000 $ 169,600 $ 87,000
Cassia, Idaho 5 $ 1,130,000 $ 226,000 $ 43,000
Campbell, Kentucky 5 $ 954,000 $ 190,800 $ 104,000
Androscoggin, Maine 5 $ 853,000 $ 170,600 $ 60,000
Somerset, Maine 5 $ 1,104,000 $ 220,800 $ 60,000
Cheshire, New Hampshire 5 $ 729,000 $ 145,800 $ 84,000
Dona Ana, New Mexico 5 $ 1,126,000 $ 225,200 $ 85,000
Sandoval, New Mexico 5 $ 577,000 $ 115,400 $ 68,000
Hamilton, New York 5 $ 1,781,000 $ 356,200 $ 328,000
New Hanover, North Carolina 5 $ 954,000 $ 190,800 $ 74,000
Clark, Ohio 5 $ 630,000 $ 126,000 $ 30,000
Erie, Ohio 5 $ 733,000 $ 146,600 $ 8,000
Hancock, Ohio 5 $ 709,000 $ 141,800 $ 60,000
Jefferson, Ohio 5 $ 369,000 $ 73,800 $ 26,000
Logan, Ohio 5 $ 378,000 $ 75,600 $ 38,000
Mercer, Ohio 5 $ 740,000 $ 148,000 $ 55,000
Miami, Ohio 5 $ 570,000 $ 114,000 $ 25,000
Pickaway, Ohio 5 $ 585,000 $ 117,000 $ 35,000
Union, Ohio 5 $ 666,000 $ 133,200 $ 30,000
Crawford, Pennsylvania 5 $ 665,000 $ 133,000 $ 53,000
Tioga, Pennsylvania 5 $ 478,000 $ 95,600 $ 55,000
Bristol, Rhode Island 5 $ 1,512,000 $ 302,400 $ 101,000
Richland, South Carolina 5 $ 554,000 $ 110,800 $ 7,000
Brazoria, Texas 5 $ 855,000 $ 171,000 $ 0
Tarrant, Texas 5 $ 686,000 $ 137,200 $ 0
Dinwiddie, Virginia 5 $ 605,000 $ 121,000 $ 54,000
Powhatan, Virginia 5 $ 1,444,000 $ 288,800 $ 81,000
Suffolk, Virginia 5 $ 810,000 $ 162,000 $ 27,000
Adams, Washington 5 $ 659,000 $ 131,800 $ 43,000
Asotin, Washington 5 $ 956,000 $ 191,200 $ 64,000
Uinta, Wyoming 5 $ 930,000 $ 186,000 $ 59,000
Butte, California 4 $ 761,000 $ 190,250 $ 19,000
Tulare, California 4 $ 729,000 $ 182,250 $ 0
Brevard, Florida 4 $ 638,000 $ 159,500 $ 146,000
Sumter, Florida 4 $ 495,000 $ 123,750 $ 116,000
Douglas, Georgia 4 $ 653,000 $ 163,250 $ 0
Bonner, Idaho 4 $ 1,268,000 $ 317,000 $ 134,000
Teton, Idaho 4 $ 1,246,000 $ 311,500 $ 116,000
Lake, Illinois 4 $ 538,000 $ 134,500 $ 0
Hendricks, Indiana 4 $ 532,000 $ 133,000 $ 0
Johnson, Indiana 4 $ 450,000 $ 112,500 $ 11,000
Piscataquis, Maine 4 $ 291,000 $ 72,750 $ 53,000
Sagadahoc, Maine 4 $ 632,000 $ 158,000 $ 35,000
Waldo, Maine 4 $ 603,000 $ 150,750 $ 67,000
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Mortgage Loan Application Detail Totals for M&T Bank in 2009

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 26,011 $5,593,076,000 $215,000 $5,000,000 $90,000 $3,518,000
Home Purchase 17,830 $3,341,203,000 $187,000 $10,000,000 $68,000 $8,396,000
Home Improvement 4,422 $219,419,000 $49,000 $5,500,000 $68,000 $5,772,000

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 35,433 $6,652,716,000 $187,000 $2,355,000 $87,000 $8,396,000
Not applicable 4,336 $848,586,000 $195,000 $10,000,000 $0 $710,000
Not Provided 3,739 $778,003,000 $208,000 $5,000,000 $108,000 $2,598,000
Black or African American 1,873 $285,509,000 $152,000 $1,000,000 $61,000 $458,000
Hispanic 1,446 $248,622,000 $171,000 $860,000 $63,000 $1,418,000
Asian 1,127 $281,618,000 $249,000 $1,360,000 $107,000 $1,985,000
American Indian or Alaskan Native 192 $32,114,000 $167,000 $611,000 $86,000 $674,000
Native Hawaiian or Other Pacific Islander 117 $26,530,000 $226,000 $1,088,000 $76,000 $561,000

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) 30,977 $5,949,124,000 $192,000 $10,000,000 $98,000 $8,396,000
FHA-insured (Federal Housing Administration) 15,404 $2,839,135,000 $184,000 $1,224,000 $46,000 $2,705,000
VA-guaranteed (Veterans Administration) 1,355 $271,108,000 $200,000 $631,000 $51,000 $275,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 527 $94,331,000 $178,000 $444,000 $48,000 $110,000

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 29,770 $5,729,450,000 $192,000 $10,000,000 $89,000 $7,620,000
Application Denied By Financial Institution 7,743 $1,203,531,000 $155,000 $5,500,000 $76,000 $8,396,000
Loan Purchased By The Institution 4,118 $708,232,000 $171,000 $1,145,000 $0 $0
Application Approved But Not Accepted 4,091 $940,709,000 $229,000 $2,500,000 $92,000 $1,500,000
Application Withdrawn By Applicant 2,268 $522,266,000 $230,000 $5,000,000 $104,000 $3,000,000
Preapproval Denied by Financial Institution 244 $47,379,000 $194,000 $720,000 $59,000 $495,000
File Closed For Incompleteness 29 $2,131,000 $73,000 $344,000 $73,000 $145,000
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 2009 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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