M&T Bank Mortgage Lending & HMDA Data, 2010
In 2010, M&T Bank of Buffalo, NY reported 36,929 mortgage applications totaling $6.8 billion, down 23% from 2009. The average application was for $185,040, and applicants reported an average income of $78,759. 62% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Buffalo-Niagara Falls, NY (2,785), Baltimore-Towson, MD (2,567) and Portland-Vancouver-Hillsboro, OR-WA (1,852) (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 | 36,929 |
| Total Mortgage Loan Application Amount | $6,833,368,000 |
| Average Mortgage Loan Application Amount | $185,040 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $78,759 |
| Highest Applicant Income | $6,445,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Buffalo-Niagara Falls, NY | 2,785 | $ 288,970,000 | $ 103,759 | $ 65,000 |
| Baltimore-Towson, MD | 2,567 | $ 430,635,000 | $ 167,758 | $ 87,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1,852 | $ 418,021,000 | $ 225,713 | $ 81,973 |
| New York-White Plains-Wayne, NY-NJ | 1,593 | $ 798,858,000 | $ 501,480 | $ 115,878 |
| Rochester, NY | 1,581 | $ 215,010,000 | $ 135,996 | $ 78,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,129 | $ 266,281,000 | $ 235,855 | $ 104,139 |
| Syracuse, NY | 1,099 | $ 110,439,000 | $ 100,490 | $ 69,000 |
| Denver-Aurora-Broomfield, CO | 1,054 | $ 246,637,000 | $ 234,000 | $ 102,000 |
| Salt Lake City, UT | 1,022 | $ 225,776,000 | $ 220,915 | $ 71,000 |
| Albany-Schenectady-Troy, NY | 1,019 | $ 155,397,000 | $ 152,499 | $ 71,000 |
| Seattle-Bellevue-Everett, WA | 1,013 | $ 302,146,000 | $ 298,268 | $ 113,000 |
| Philadelphia, PA | 903 | $ 207,206,000 | $ 229,464 | $ 101,000 |
| York-Hanover, PA | 899 | $ 120,493,000 | $ 134,030 | $ 73,000 |
| Nassau-Suffolk, NY | 659 | $ 182,051,000 | $ 276,253 | $ 94,000 |
| Scranton--Wilkes-Barre, PA | 645 | $ 68,671,000 | $ 106,466 | $ 68,000 |
| Binghamton, NY | 642 | $ 67,088,000 | $ 104,498 | $ 67,000 |
| Ogden-Clearfield, UT | 585 | $ 124,496,000 | $ 212,813 | $ 69,000 |
| Harrisburg-Carlisle, PA | 584 | $ 76,050,000 | $ 130,222 | $ 78,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 531 | $ 93,324,000 | $ 175,751 | $ 79,000 |
| Utica-Rome, NY | 495 | $ 39,508,000 | $ 79,814 | $ 61,000 |
| Bethesda-Rockville-Frederick, MD | 478 | $ 125,358,000 | $ 262,255 | $ 132,000 |
| Provo-Orem, UT | 356 | $ 73,118,000 | $ 205,387 | $ 65,000 |
| Tacoma, WA | 342 | $ 76,062,000 | $ 222,403 | $ 82,000 |
| Altoona, PA | 313 | $ 33,817,000 | $ 108,041 | $ 81,000 |
| Hagerstown-Martinsburg, MD-WV | 295 | $ 36,161,000 | $ 122,579 | $ 71,264 |
| Salem, OR | 259 | $ 45,875,000 | $ 177,123 | $ 77,000 |
| Boise City-Nampa, ID | 247 | $ 41,397,000 | $ 167,599 | $ 59,000 |
| New Haven-Milford, CT | 247 | $ 49,119,000 | $ 198,862 | $ 73,000 |
| Lancaster, PA | 236 | $ 36,490,000 | $ 154,618 | $ 84,000 |
| Reading, PA | 228 | $ 25,749,000 | $ 112,934 | $ 65,000 |
| Bridgeport-Stamford-Norwalk, CT | 225 | $ 78,283,000 | $ 347,924 | $ 112,000 |
| Eugene-Springfield, OR | 218 | $ 41,886,000 | $ 192,137 | $ 62,000 |
| Providence-New Bedford-Fall River, RI-MA | 215 | $ 43,216,000 | $ 201,004 | $ 69,902 |
| Columbus, OH | 209 | $ 30,929,000 | $ 147,985 | $ 14,000 |
| Cumberland, MD-WV | 206 | $ 17,063,000 | $ 82,830 | $ 51,699 |
| Hartford-West Hartford-East Hartford, CT | 169 | $ 37,429,000 | $ 221,473 | $ 69,000 |
| Pittsburgh, PA | 166 | $ 28,194,000 | $ 169,843 | $ 66,000 |
| State College, PA | 161 | $ 22,012,000 | $ 136,720 | $ 83,000 |
| Richmond, VA | 160 | $ 23,464,000 | $ 146,650 | $ 46,000 |
| Williamsport, PA | 156 | $ 18,880,000 | $ 121,025 | $ 71,000 |
| Cleveland-Elyria-Mentor, OH | 140 | $ 18,240,000 | $ 130,285 | $ 12,000 |
| Kingston, NY | 133 | $ 16,840,000 | $ 126,616 | $ 65,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 131 | $ 19,779,000 | $ 150,984 | $ 97,664 |
| Boston-Quincy, MA | 124 | $ 34,884,000 | $ 281,322 | $ 80,000 |
| Glens Falls, NY | 118 | $ 13,450,000 | $ 113,983 | $ 62,000 |
| Idaho Falls, ID | 116 | $ 17,098,000 | $ 147,396 | $ 61,000 |
| Newark-Union, NJ-PA | 115 | $ 30,742,000 | $ 267,321 | $ 69,869 |
| Kennewick-Pasco-Richland, WA | 107 | $ 21,889,000 | $ 204,570 | $ 95,000 |
| Wilmington, DE-MD-NJ | 107 | $ 25,012,000 | $ 233,757 | $ 91,084 |
| Edison-New Brunswick, NJ | 101 | $ 27,312,000 | $ 270,415 | $ 107,000 |
| Warren-Troy-Farmington Hills, MI | 91 | $ 6,557,000 | $ 72,054 | $ 0 |
| Lebanon, PA | 89 | $ 10,463,000 | $ 117,561 | $ 59,000 |
| Cincinnati-Middletown, OH-KY-IN | 86 | $ 12,102,000 | $ 140,720 | $ 22,790 |
| Logan, UT-ID | 86 | $ 14,666,000 | $ 170,534 | $ 52,151 |
| Medford, OR | 85 | $ 20,022,000 | $ 235,552 | $ 100,000 |
| Miami-Miami Beach-Kendall, FL | 85 | $ 12,836,000 | $ 151,011 | $ 7,000 |
| Peabody, MA | 82 | $ 20,891,000 | $ 254,768 | $ 67,000 |
| Salisbury, MD | 78 | $ 10,130,000 | $ 129,871 | $ 88,000 |
| Cambridge-Newton-Framingham, MA | 75 | $ 23,099,000 | $ 307,986 | $ 102,000 |
| Ithaca, NY | 67 | $ 7,937,000 | $ 118,462 | $ 72,000 |
| Orlando-Kissimmee-Sanford, FL | 67 | $ 9,714,000 | $ 144,985 | $ 0 |
| Boulder, CO | 64 | $ 16,331,000 | $ 255,171 | $ 109,000 |
| Erie, PA | 64 | $ 7,873,000 | $ 123,015 | $ 11,000 |
| Worcester, MA | 64 | $ 12,048,000 | $ 188,250 | $ 56,000 |
| Olympia, WA | 63 | $ 14,118,000 | $ 224,095 | $ 75,000 |
| Longview, WA | 62 | $ 12,174,000 | $ 196,354 | $ 68,000 |
| Bend, OR | 58 | $ 11,831,000 | $ 203,982 | $ 119,000 |
| Las Vegas-Paradise, NV | 56 | $ 9,712,000 | $ 173,428 | $ 73,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 56 | $ 13,489,000 | $ 240,875 | $ 86,000 |
| St. George, UT | 54 | $ 10,737,000 | $ 198,833 | $ 69,000 |
| Camden, NJ | 53 | $ 8,971,000 | $ 169,264 | $ 62,000 |
| Elmira, NY | 51 | $ 4,386,000 | $ 86,000 | $ 80,000 |
| Colorado Springs, CO | 48 | $ 10,021,000 | $ 208,770 | $ 207,000 |
| Spokane, WA | 48 | $ 8,885,000 | $ 185,104 | $ 70,000 |
| Riverside-San Bernardino-Ontario, CA | 42 | $ 12,062,000 | $ 287,190 | $ 12,000 |
| Yakima, WA | 41 | $ 6,958,000 | $ 169,707 | $ 54,000 |
| Bangor, ME | 39 | $ 6,149,000 | $ 157,666 | $ 56,000 |
| Atlanta-Sandy Springs-Marietta, GA | 38 | $ 5,759,000 | $ 151,552 | $ 10,000 |
| Greeley, CO | 38 | $ 8,251,000 | $ 217,131 | $ 76,000 |
| Rockingham County-Strafford County, NH | 38 | $ 7,892,000 | $ 207,684 | $ 60,000 |
| Bellingham, WA | 36 | $ 8,527,000 | $ 236,861 | $ 83,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 36 | $ 6,036,000 | $ 167,666 | $ 8,000 |
| Johnstown, PA | 36 | $ 2,875,000 | $ 79,861 | $ 57,000 |
| Bremerton-Silverdale, WA | 35 | $ 9,794,000 | $ 279,828 | $ 88,000 |
| Youngstown-Warren-Boardman, OH-PA | 35 | $ 3,013,000 | $ 86,085 | $ 10,342 |
| Akron, OH | 33 | $ 4,511,000 | $ 136,696 | $ 21,000 |
| Kansas City, MO-KS | 33 | $ 4,495,000 | $ 136,212 | $ 0 |
| San Antonio-New Braunfels, TX | 33 | $ 4,595,000 | $ 139,242 | $ 0 |
| Portland-South Portland-Biddeford, ME | 32 | $ 6,955,000 | $ 217,343 | $ 86,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 31 | $ 8,092,000 | $ 261,032 | $ 149,000 |
| Corvallis, OR | 30 | $ 6,039,000 | $ 201,300 | $ 79,000 |
| Chicago-Joliet-Naperville, IL | 29 | $ 4,989,000 | $ 172,034 | $ 1,000 |
| Wenatchee-East Wenatchee, WA | 28 | $ 6,780,000 | $ 242,142 | $ 140,000 |
| New Orleans-Metairie-Kenner, LA | 27 | $ 4,262,000 | $ 157,851 | $ 0 |
| Springfield, MA | 27 | $ 4,446,000 | $ 164,666 | $ 60,000 |
| Atlantic City-Hammonton, NJ | 26 | $ 6,354,000 | $ 244,384 | $ 121,000 |
| Mount Vernon-Anacortes, WA | 26 | $ 5,400,000 | $ 207,692 | $ 60,000 |
| Albuquerque, NM | 23 | $ 4,183,000 | $ 181,869 | $ 58,000 |
| Los Angeles-Long Beach-Glendale, CA | 23 | $ 6,033,000 | $ 262,304 | $ 34,000 |
| Manchester-Nashua, NH | 23 | $ 4,948,000 | $ 215,130 | $ 64,000 |
| Norwich-New London, CT | 23 | $ 4,763,000 | $ 207,086 | $ 55,000 |
| Ann Arbor, MI | 22 | $ 3,057,000 | $ 138,954 | $ 0 |
| Ocean City, NJ | 22 | $ 8,548,000 | $ 388,545 | $ 175,000 |
| Pocatello, ID | 22 | $ 2,887,000 | $ 131,227 | $ 58,000 |
| Dover, DE | 21 | $ 3,764,000 | $ 179,238 | $ 60,000 |
| Indianapolis-Carmel, IN | 21 | $ 2,844,000 | $ 135,428 | $ 0 |
| Gary, IN | 20 | $ 2,597,000 | $ 129,850 | $ 0 |
| Phoenix-Mesa-Glendale, AZ | 20 | $ 6,670,000 | $ 333,500 | $ 396,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 3,116,000 | $ 155,800 | $ 43,000 |
| Cape Coral-Fort Myers, FL | 18 | $ 2,075,000 | $ 115,277 | $ 74,000 |
| Dayton, OH | 18 | $ 1,561,000 | $ 86,722 | $ 21,000 |
| Coeur D'Alene, ID | 17 | $ 3,223,000 | $ 189,588 | $ 58,000 |
| Fort Collins-Loveland, CO | 17 | $ 3,684,000 | $ 216,705 | $ 158,000 |
| Detroit-Livonia-Dearborn, MI | 15 | $ 1,774,000 | $ 118,266 | $ 9,000 |
| Trenton-Ewing, NJ | 15 | $ 2,595,000 | $ 173,000 | $ 141,000 |
| Wheeling, WV-OH | 15 | $ 1,759,000 | $ 117,266 | $ 62,400 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 14 | $ 2,839,000 | $ 202,785 | $ 0 |
| Canton-Massillon, OH | 13 | $ 1,690,000 | $ 130,000 | $ 18,000 |
| Flint, MI | 13 | $ 1,238,000 | $ 95,230 | $ 0 |
| North Port-Bradenton-Sarasota, FL | 13 | $ 11,005,000 | $ 846,538 | $ 746,000 |
| Charleston-North Charleston-Summerville, SC | 12 | $ 3,899,000 | $ 324,916 | $ 52,000 |
| Dallas-Plano-Irving, TX | 12 | $ 2,017,000 | $ 168,083 | $ 0 |
| Winchester, VA-WV | 12 | $ 1,135,000 | $ 94,583 | $ 43,500 |
| Pueblo, CO | 11 | $ 2,222,000 | $ 202,000 | $ 86,000 |
| Port St. Lucie, FL | 10 | $ 3,232,000 | $ 323,200 | $ 272,000 |
| Vineland-Millville-Bridgeton, NJ | 10 | $ 1,404,000 | $ 140,400 | $ 27,000 |
| Barnstable Town, MA | 9 | $ 2,760,000 | $ 306,666 | $ 200,000 |
| Naples-Marco Island, FL | 9 | $ 2,937,000 | $ 326,333 | $ 316,000 |
| Oklahoma City, OK | 9 | $ 1,039,000 | $ 115,444 | $ 0 |
| Toledo, OH | 9 | $ 1,292,000 | $ 143,555 | $ 26,000 |
| Kalamazoo-Portage, MI | 8 | $ 850,000 | $ 106,250 | $ 0 |
| Lima, OH | 8 | $ 992,000 | $ 124,000 | $ 0 |
| Raleigh-Cary, NC | 8 | $ 2,921,000 | $ 365,125 | $ 124,000 |
| Baton Rouge, LA | 7 | $ 1,128,000 | $ 161,142 | $ 0 |
| Cheyenne, WY | 7 | $ 1,250,000 | $ 178,571 | $ 45,000 |
| Grand Junction, CO | 7 | $ 1,559,000 | $ 222,714 | $ 96,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 899,000 | $ 128,428 | $ 11,000 |
| Jacksonville, FL | 7 | $ 1,180,000 | $ 168,571 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 884,000 | $ 126,285 | $ 110,000 |
| Battle Creek, MI | 6 | $ 668,000 | $ 111,333 | $ 0 |
| Casper, WY | 6 | $ 1,042,000 | $ 173,666 | $ 33,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 6 | $ 911,000 | $ 151,833 | $ 0 |
| Columbia, SC | 6 | $ 957,000 | $ 159,500 | $ 27,000 |
| Lakeland-Winter Haven, FL | 6 | $ 637,000 | $ 106,166 | $ 0 |
| Morgantown, WV | 6 | $ 625,000 | $ 104,166 | $ 67,000 |
| Roanoke, VA | 6 | $ 607,000 | $ 101,166 | $ 48,000 |
| Charlottesville, VA | 5 | $ 1,126,000 | $ 225,200 | $ 129,000 |
| Fresno, CA | 5 | $ 659,000 | $ 131,800 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 5 | $ 612,000 | $ 122,400 | $ 0 |
| Lewiston-Auburn, ME | 5 | $ 850,000 | $ 170,000 | $ 59,000 |
| Oakland-Fremont-Hayward, CA | 5 | $ 1,603,000 | $ 320,600 | $ 25,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 647,000 | $ 129,400 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 645,000 | $ 161,250 | $ 106,000 |
| Fort Worth-Arlington, TX | 4 | $ 562,000 | $ 140,500 | $ 0 |
| Holland-Grand Haven, MI | 4 | $ 400,000 | $ 100,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 712,000 | $ 178,000 | $ 35,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,602,000 | $ 400,500 | $ 0 |
| Santa Fe, NM | 4 | $ 1,278,000 | $ 319,500 | $ 128,000 |
| Tucson, AZ | 4 | $ 716,000 | $ 179,000 | $ 37,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 497,000 | $ 165,666 | $ 0 |
| Bakersfield-Delano, CA | 3 | $ 328,000 | $ 109,333 | $ 0 |
| Charleston, WV | 3 | $ 243,000 | $ 81,000 | $ 59,000 |
| Chico, CA | 3 | $ 519,000 | $ 173,000 | $ 0 |
| Durham-Chapel Hill, NC | 3 | $ 738,000 | $ 246,000 | $ 50,000 |
| Elkhart-Goshen, IN | 3 | $ 397,000 | $ 132,333 | $ 0 |
| Fayetteville, NC | 3 | $ 362,000 | $ 120,666 | $ 0 |
| Greensboro-High Point, NC | 3 | $ 298,000 | $ 99,333 | $ 0 |
| Gulfport-Biloxi, MS | 3 | $ 567,000 | $ 189,000 | $ 0 |
| Jefferson City, MO | 3 | $ 410,000 | $ 136,666 | $ 0 |
| Knoxville, TN | 3 | $ 401,000 | $ 133,666 | $ 0 |
| Lansing-East Lansing, MI | 3 | $ 514,000 | $ 171,333 | $ 0 |
| Lewiston, ID-WA | 3 | $ 469,000 | $ 156,333 | $ 51,000 |
| Lynchburg, VA | 3 | $ 465,000 | $ 155,000 | $ 9,000 |
| Memphis, TN-MS-AR | 3 | $ 502,000 | $ 167,333 | $ 0 |
| Missoula, MT | 3 | $ 528,000 | $ 176,000 | $ 50,000 |
| Monroe, MI | 3 | $ 361,000 | $ 120,333 | $ 0 |
| Montgomery, AL | 3 | $ 404,000 | $ 134,666 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 505,000 | $ 168,333 | $ 0 |
| Rockford, IL | 3 | $ 503,000 | $ 167,666 | $ 0 |
| Sandusky, OH | 3 | $ 428,000 | $ 142,666 | $ 79,000 |
| Stockton, CA | 3 | $ 515,000 | $ 171,666 | $ 0 |
| Tulsa, OK | 3 | $ 394,000 | $ 131,333 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 364,000 | $ 182,000 | $ 23,000 |
| Fort Wayne, IN | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 157,000 | $ 78,500 | $ 0 |
| McAllen-Edinburg-Mission, TX | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Salinas, CA | 2 | $ 477,000 | $ 238,500 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 756,000 | $ 378,000 | $ 0 |
| Vallejo-Fairfield, CA | 2 | $ 694,000 | $ 347,000 | $ 0 |
| Wilmington, NC | 2 | $ 619,000 | $ 309,500 | $ 241,000 |
| Anchorage, AK | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Anderson, IN | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Asheville, NC | 1 | $ 102,000 | $ 102,000 | $ 47,000 |
| Auburn-Opelika, AL | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Bloomington, IN | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Cleveland, TN | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Danville, VA | 1 | $ 6,000 | $ 6,000 | $ 55,000 |
| Des Moines-West Des Moines, IA | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Farmington, NM | 1 | $ 163,000 | $ 163,000 | $ 49,000 |
| Florence, SC | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Green Bay, WI | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 76,000 | $ 76,000 | $ 23,000 |
| Huntsville, AL | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Jackson, MI | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Johnson City, TN | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Las Cruces, NM | 1 | $ 329,000 | $ 329,000 | $ 0 |
| Lawton, OK | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Louisville-Jefferson County, KY-IN | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Macon, GA | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Madera-Chowchilla, CA | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Mansfield, OH | 1 | $ 77,000 | $ 77,000 | $ 69,000 |
| Michigan City-La Porte, IN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Mobile, AL | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Muskegon-Norton Shores, MI | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Ocala, FL | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 233,000 | $ 233,000 | $ 173,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
| Pittsfield, MA | 1 | $ 251,000 | $ 251,000 | $ 84,000 |
| Punta Gorda, FL | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Redding, CA | 1 | $ 187,000 | $ 187,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 698,000 | $ 698,000 | $ 267,000 |
| Savannah, GA | 1 | $ 192,000 | $ 192,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Spartanburg, SC | 1 | $ 87,000 | $ 87,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 118,000 | $ 118,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Steubenville-Weirton, OH-WV | 1 | $ 143,000 | $ 143,000 | $ 61,000 |
| Topeka, KS | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 110,000 | $ 110,000 | $ 208,000 |
| Yuma, AZ | 1 | $ 131,000 | $ 131,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2010
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 | 17,389 | $3,755,654,000 | $215,000 | $99,999,000 | $93,000 | $6,445,000 |
| Home Purchase | 14,865 | $2,915,576,000 | $196,000 | $19,275,000 | $68,000 | $4,811,000 |
| Home Improvement | 4,675 | $162,138,000 | $34,000 | $8,000,000 | $60,000 | $2,400,000 |
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 | 26,363 | $4,544,851,000 | $172,000 | $2,400,000 | $87,000 | $6,445,000 |
| Not applicable | 3,611 | $1,077,449,000 | $298,000 | $99,999,000 | $2,000 | $1,656,000 |
| Not Provided | 3,079 | $547,189,000 | $177,000 | $2,665,000 | $103,000 | $2,500,000 |
| Black or African American | 1,701 | $227,755,000 | $133,000 | $2,000,000 | $62,000 | $1,467,000 |
| Hispanic | 1,093 | $183,675,000 | $168,000 | $1,500,000 | $63,000 | $858,000 |
| Asian | 901 | $225,917,000 | $250,000 | $1,500,000 | $108,000 | $1,471,000 |
| American Indian or Alaskan Native | 105 | $12,538,000 | $119,000 | $569,000 | $75,000 | $1,104,000 |
| Native Hawaiian or Other Pacific Islander | 76 | $13,994,000 | $184,000 | $634,000 | $87,000 | $568,000 |
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) | 23,014 | $4,271,422,000 | $185,000 | $99,999,000 | $100,000 | $6,445,000 |
| FHA-insured (Federal Housing Administration) | 12,373 | $2,266,911,000 | $183,000 | $1,178,000 | $43,000 | $1,518,000 |
| VA-guaranteed (Veterans Administration) | 957 | $194,517,000 | $203,000 | $705,000 | $55,000 | $408,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 585 | $100,518,000 | $171,000 | $417,000 | $47,000 | $108,000 |
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 | 22,921 | $4,505,520,000 | $196,000 | $99,999,000 | $90,000 | $6,445,000 |
| Application Denied By Financial Institution | 6,373 | $815,352,000 | $127,000 | $2,200,000 | $69,000 | $2,500,000 |
| Loan Purchased By The Institution | 3,391 | $624,660,000 | $184,000 | $744,000 | $0 | $0 |
| Application Approved But Not Accepted | 2,352 | $477,557,000 | $203,000 | $2,665,000 | $86,000 | $1,600,000 |
| Application Withdrawn By Applicant | 1,619 | $362,543,000 | $223,000 | $2,000,000 | $113,000 | $2,795,000 |
| Preapproval Denied by Financial Institution | 175 | $33,819,000 | $193,000 | $920,000 | $52,000 | $245,000 |
| File Closed For Incompleteness | 98 | $13,917,000 | $142,000 | $806,000 | $75,000 | $427,000 |
| 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 2010 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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