M&T Bank Mortgage Lending & HMDA Data, 2003
In 2003, M&T Bank of Buffalo, NY reported 19,525 mortgage applications totaling $2.1 billion. The average application was for $109,780, and applicants reported an average income of $85,539. 21% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Buffalo-Niagara Falls, NY (2,335), Rochester, NY (1,343) and New York, NY (1,189) (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 | 19,525 |
| Total Mortgage Loan Application Amount | $2,143,459,000 |
| Average Mortgage Loan Application Amount | $109,780 |
| Highest Mortgage Loan Application Amount | $16,400,000 |
| Average Applicant Income | $85,539 |
| Highest Applicant Income | $9,999,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,335 | $ 193,464,000 | $ 82,853 | $ 51,000 |
| Rochester, NY | 1,343 | $ 113,304,000 | $ 84,366 | $ 111,000 |
| New York, NY | 1,189 | $ 255,946,000 | $ 215,261 | $ 65,000 |
| Syracuse, NY | 871 | $ 65,034,000 | $ 74,665 | $ 111,000 |
| Harrisburg-Lebanon-Carlisle, PA | 766 | $ 60,571,000 | $ 79,074 | $ 70,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 748 | $ 53,611,000 | $ 71,672 | $ 53,000 |
| Baltimore, MD | 745 | $ 67,755,000 | $ 90,946 | $ 246,000 |
| Albany-Schenectady-Troy, NY | 677 | $ 87,658,000 | $ 129,480 | $ 52,000 |
| York, PA | 608 | $ 49,063,000 | $ 80,695 | $ 214,000 |
| Nassau-Suffolk, NY | 526 | $ 122,721,000 | $ 233,309 | $ 86,000 |
| Philadelphia, PA-NJ | 514 | $ 94,854,000 | $ 184,540 | $ 97,000 |
| Altoona, PA | 427 | $ 27,579,000 | $ 64,587 | $ 32,000 |
| Newburgh, NY-PA | 402 | $ 58,162,000 | $ 144,681 | $ 283,000 |
| Dutchess County, NY | 362 | $ 63,547,000 | $ 175,544 | $ 78,000 |
| Lancaster, PA | 334 | $ 34,043,000 | $ 101,925 | $ 81,000 |
| Reading, PA | 324 | $ 39,362,000 | $ 121,487 | $ 68,000 |
| State College, PA | 292 | $ 31,392,000 | $ 107,506 | $ 51,000 |
| Williamsport, PA | 288 | $ 15,357,000 | $ 53,322 | $ 111,000 |
| Binghamton, NY | 237 | $ 14,273,000 | $ 60,223 | $ 79,000 |
| Cumberland, MD-WV | 231 | $ 10,357,000 | $ 44,835 | $ 43,000 |
| Allentown-Bethlehem-Easton, PA | 185 | $ 21,489,000 | $ 116,156 | $ 252,000 |
| Hartford, CT | 169 | $ 29,678,000 | $ 175,609 | $ 0 |
| Columbus, OH | 165 | $ 33,631,000 | $ 203,824 | $ 0 |
| Jamestown, NY | 154 | $ 7,179,000 | $ 46,616 | $ 192,000 |
| Hagerstown, MD | 151 | $ 10,277,000 | $ 68,059 | $ 156,000 |
| Utica-Rome, NY | 115 | $ 7,611,000 | $ 66,182 | $ 42,000 |
| Boston, MA-NH | 112 | $ 24,719,000 | $ 220,705 | $ 0 |
| Glens Falls, NY | 108 | $ 14,524,000 | $ 134,481 | $ 84,000 |
| Seattle-Bellevue-Everett, WA | 96 | $ 19,983,000 | $ 208,156 | $ 0 |
| Danbury, CT | 71 | $ 15,039,000 | $ 211,816 | $ 0 |
| Portland-Vancouver, OR-WA | 70 | $ 10,908,000 | $ 155,828 | $ 0 |
| Salt Lake City-Ogden, UT | 66 | $ 10,053,000 | $ 152,318 | $ 0 |
| New Haven-Meriden, CT | 61 | $ 9,674,000 | $ 158,590 | $ 505,000 |
| Denver, CO | 56 | $ 13,595,000 | $ 242,767 | $ 0 |
| Washington, DC-MD-VA-WV | 47 | $ 5,781,000 | $ 123,000 | $ 129,000 |
| Pittsburgh, PA | 44 | $ 5,513,000 | $ 125,295 | $ 22,000 |
| Bergen-Passaic, NJ | 40 | $ 10,215,000 | $ 255,375 | $ 0 |
| Monmouth-Ocean, NJ | 40 | $ 10,534,000 | $ 263,350 | $ 0 |
| Bridgeport, CT | 35 | $ 5,241,000 | $ 149,742 | $ 0 |
| Brockton, MA | 33 | $ 5,991,000 | $ 181,545 | $ 0 |
| Middlesex-Somerset-Hunterdon, NJ | 29 | $ 6,610,000 | $ 227,931 | $ 30,000 |
| Newark, NJ | 28 | $ 5,581,000 | $ 199,321 | $ 0 |
| Phoenix-Mesa, AZ | 28 | $ 4,380,000 | $ 156,428 | $ 0 |
| Johnstown, PA | 26 | $ 1,314,000 | $ 50,538 | $ 32,000 |
| Stamford-Norwalk, CT | 23 | $ 5,257,000 | $ 228,565 | $ 0 |
| Elmira, NY | 19 | $ 619,000 | $ 32,578 | $ 31,000 |
| New London-Norwich, CT-RI | 19 | $ 2,992,000 | $ 157,473 | $ 0 |
| Boise City, ID | 18 | $ 2,363,000 | $ 131,277 | $ 0 |
| Jersey City, NJ | 16 | $ 3,478,000 | $ 217,375 | $ 0 |
| Salem, OR | 15 | $ 1,797,000 | $ 119,800 | $ 0 |
| Trenton, NJ | 15 | $ 3,233,000 | $ 215,533 | $ 0 |
| Waterbury, CT | 15 | $ 2,522,000 | $ 168,133 | $ 0 |
| Atlantic-Cape May, NJ | 13 | $ 2,678,000 | $ 206,000 | $ 4,000 |
| Wilmington-Newark, DE-MD | 12 | $ 1,906,000 | $ 158,833 | $ 0 |
| Tacoma, WA | 11 | $ 1,362,000 | $ 123,818 | $ 0 |
| Dayton-Springfield, OH | 9 | $ 1,202,000 | $ 133,555 | $ 0 |
| Riverside-San Bernardino, CA | 9 | $ 1,333,000 | $ 148,111 | $ 0 |
| Akron, OH | 7 | $ 617,000 | $ 88,142 | $ 0 |
| Fort Collins-Loveland, CO | 7 | $ 1,441,000 | $ 205,857 | $ 0 |
| Provo-Orem, UT | 7 | $ 1,189,000 | $ 169,857 | $ 0 |
| Cleveland-Lorain-Elyria, OH | 6 | $ 615,000 | $ 102,500 | $ 0 |
| Greeley, CO | 6 | $ 911,000 | $ 151,833 | $ 0 |
| Lawrence, MA-NH | 6 | $ 1,060,000 | $ 176,666 | $ 0 |
| Providence-Fall River-Warwick, RI-MA | 6 | $ 703,000 | $ 117,166 | $ 0 |
| Boulder-Longmont, CO | 5 | $ 1,175,000 | $ 235,000 | $ 0 |
| Bremerton, WA | 5 | $ 943,000 | $ 188,600 | $ 0 |
| Cincinnati, OH-KY-IN | 5 | $ 1,116,000 | $ 223,200 | $ 0 |
| Dover, DE | 5 | $ 614,000 | $ 122,800 | $ 0 |
| Fort Pierce-Port St. Lucie, FL | 5 | $ 598,000 | $ 119,600 | $ 0 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 5 | $ 318,000 | $ 63,600 | $ 38,000 |
| Richmond-Petersburg, VA | 5 | $ 548,000 | $ 109,600 | $ 17,000 |
| Barnstable-Yarmouth, MA | 4 | $ 547,000 | $ 136,750 | $ 0 |
| Erie, PA | 4 | $ 380,000 | $ 95,000 | $ 44,000 |
| Indianapolis, IN | 4 | $ 278,000 | $ 69,500 | $ 26,000 |
| Richland-Kennewick-Pasco, WA | 4 | $ 309,000 | $ 77,250 | $ 0 |
| Springfield, MA | 4 | $ 613,000 | $ 153,250 | $ 0 |
| Atlanta, GA | 3 | $ 384,000 | $ 128,000 | $ 16,000 |
| Colorado Springs, CO | 3 | $ 543,000 | $ 181,000 | $ 0 |
| Greensboro--Winston-Salem--High Point, NC | 3 | $ 606,000 | $ 202,000 | $ 0 |
| New Bedford, MA | 3 | $ 480,000 | $ 160,000 | $ 0 |
| Orlando, FL | 3 | $ 489,000 | $ 163,000 | $ 0 |
| West Palm Beach-Boca Raton, FL | 3 | $ 592,000 | $ 197,333 | $ 0 |
| Worcester, MA-CT | 3 | $ 596,000 | $ 198,666 | $ 0 |
| Albuquerque, NM | 2 | $ 542,000 | $ 271,000 | $ 0 |
| Ann Arbor, MI | 2 | $ 592,000 | $ 296,000 | $ 0 |
| Canton-Massillon, OH | 2 | $ 260,000 | $ 130,000 | $ 5,000 |
| Charlottesville, VA | 2 | $ 261,000 | $ 130,500 | $ 0 |
| Columbia, SC | 2 | $ 185,000 | $ 92,500 | $ 0 |
| Daytona Beach, FL | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Detroit, MI | 2 | $ 722,000 | $ 361,000 | $ 0 |
| Eugene-Springfield, OR | 2 | $ 372,000 | $ 186,000 | $ 0 |
| Fort Myers-Cape Coral, FL | 2 | $ 126,000 | $ 63,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 482,000 | $ 241,000 | $ 0 |
| Hamilton-Middletown, OH | 2 | $ 389,000 | $ 194,500 | $ 0 |
| Lowell, MA-NH | 2 | $ 591,000 | $ 295,500 | $ 0 |
| Medford-Ashland, OR | 2 | $ 184,000 | $ 92,000 | $ 0 |
| Naples, FL | 2 | $ 314,000 | $ 157,000 | $ 0 |
| Olympia, WA | 2 | $ 451,000 | $ 225,500 | $ 0 |
| Portland, ME | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Sacramento, CA | 2 | $ 486,000 | $ 243,000 | $ 0 |
| Toledo, OH | 2 | $ 351,000 | $ 175,500 | $ 0 |
| Casper, WY | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Charleston, WV | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Chicago, IL | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Chico-Paradise, CA | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Corvallis, OR | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Fitchburg-Leominster, MA | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Florence, AL | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Fort Lauderdale, FL | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 319,000 | $ 319,000 | $ 0 |
| Fresno, CA | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Gainesville, FL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Grand Junction, CO | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Grand Rapids-Muskegon-Holland, MI | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Greenville-Spartanburg-Anderson, SC | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Hickory-Morganton-Lenoir, NC | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Huntsville, AL | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Johnson City-Kingsport-Bristol, TN-VA | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Kalamazoo-Battle Creek, MI | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Kenosha, WI | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Las Vegas, NV-AZ | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Los Angeles-Long Beach, CA | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Mobile, AL | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Muncie, IN | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Myrtle Beach, SC | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Nashua, NH | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Nashville, TN | 1 | $ 15,000 | $ 15,000 | $ 18,000 |
| Oakland, CA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Omaha, NE-IA | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Orange County, CA | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Pocatello, ID | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Raleigh-Durham-Chapel Hill, NC | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Reno, NV | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Roanoke, VA | 1 | $ 214,000 | $ 214,000 | $ 0 |
| San Antonio, TX | 1 | $ 320,000 | $ 320,000 | $ 0 |
| San Diego, CA | 1 | $ 647,000 | $ 647,000 | $ 0 |
| Santa Barbara-Santa Maria-Lompoc, CA | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Spokane, WA | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Tyler, TX | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Ventura, CA | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 125,000 | $ 125,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 11,400 | $1,382,733,000 | $157,578 | $5,000,000 | $15,921 | $9,999,000 |
| Home Purchase (one-to-four family) | 4,928 | $567,537,000 | $184,657 | $1,167,000 | $26,078 | $9,999,000 |
| Home Improvement (one-to-four family) | 3,140 | $58,469,000 | $19,900 | $400,000 | $76,400 | $8,580,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 57 | $134,720,000 | $3,428,333 | $16,400,000 | $0 | $0 |
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 | 11,305 | $1,781,726,000 | $184,930 | $16,400,000 | $19,720 | $9,999,000 |
| White | 6,559 | $304,107,000 | $50,230 | $2,400,000 | $230,615 | $9,999,000 |
| Information not provided by applicant in mail or telephone application | 719 | $26,565,000 | $30,555 | $750,000 | $99,222 | $4,530,000 |
| Black | 479 | $13,646,000 | $28,888 | $249,000 | $51,333 | $1,342,000 |
| Hispanic | 159 | $3,927,000 | $28,285 | $171,000 | $51,285 | $1,957,000 |
| Other | 114 | $4,435,000 | $44,200 | $508,000 | $79,800 | $735,000 |
| Asian or Pacific Islander | 101 | $6,079,000 | $61,000 | $1,100,000 | $90,333 | $912,000 |
| American Indian or Alaskan Native | 89 | $2,974,000 | $43,666 | $164,000 | $41,666 | $695,000 |
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) | 19,402 | $2,127,774,000 | $169,209 | $16,400,000 | $17,372 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 115 | $14,719,000 | $141,250 | $271,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 8 | $966,000 | $133,000 | $211,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 11,220 | $1,645,855,000 | $182,116 | $5,000,000 | $0 | $0 |
| Loan Originated | 4,178 | $334,760,000 | $67,777 | $16,400,000 | $131,111 | $9,999,000 |
| Application Denied By Financial Institution | 3,374 | $126,195,000 | $34,625 | $475,000 | $130,875 | $5,464,000 |
| Application Approved But Not Accepted | 624 | $31,911,000 | $59,857 | $429,000 | $105,857 | $8,580,000 |
| File Closed For Incompleteness | 107 | $1,889,000 | $16,000 | $220,000 | $141,750 | $6,025,000 |
| Application Withdrawn By Applicant | 22 | $2,849,000 | $245,333 | $500,000 | $105,333 | $600,000 |
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 2003 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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