M&T Bank Mortgage Lending & HMDA Data, 2004
In 2004, M&T Bank of Buffalo, NY reported 13,296 mortgage applications totaling $1.3 billion, down 32% from 2003. The average application was for $101,076, and applicants reported an average income of $55,521. 29% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Buffalo-Niagara Falls, NY (1,273), York-Hanover, PA (961) and Baltimore-Towson, MD (846) (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 | 13,296 |
| Total Mortgage Loan Application Amount | $1,343,917,000 |
| Average Mortgage Loan Application Amount | $101,076 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $55,521 |
| Highest Applicant Income | $3,900,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,273 | $ 86,959,000 | $ 68,310 | $ 65,000 |
| York-Hanover, PA | 961 | $ 69,202,000 | $ 72,010 | $ 57,000 |
| Baltimore-Towson, MD | 846 | $ 71,660,000 | $ 84,704 | $ 83,000 |
| Harrisburg-Carlisle, PA | 792 | $ 52,652,000 | $ 66,479 | $ 51,000 |
| Rochester, NY | 586 | $ 39,009,000 | $ 66,568 | $ 70,000 |
| Scranton--Wilkes-Barre, PA | 574 | $ 38,198,000 | $ 66,547 | $ 56,000 |
| Reading, PA | 428 | $ 26,801,000 | $ 62,619 | $ 42,000 |
| Syracuse, NY | 422 | $ 24,437,000 | $ 57,907 | $ 72,000 |
| Altoona, PA | 327 | $ 18,521,000 | $ 56,639 | $ 38,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 302 | $ 45,918,000 | $ 152,046 | $ 94,000 |
| Williamsport, PA | 296 | $ 17,561,000 | $ 59,327 | $ 36,000 |
| Philadelphia, PA | 291 | $ 51,593,000 | $ 177,295 | $ 54,000 |
| Lancaster, PA | 264 | $ 22,681,000 | $ 85,912 | $ 89,000 |
| New York-Wayne-White Plains, NY-NJ | 264 | $ 165,530,000 | $ 627,007 | $ 59,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 204 | $ 16,499,000 | $ 80,877 | $ 55,000 |
| Albany-Schenectady-Troy, NY | 197 | $ 24,849,000 | $ 126,137 | $ 41,000 |
| State College, PA | 190 | $ 16,597,000 | $ 87,352 | $ 45,000 |
| Cumberland, MD-WV | 172 | $ 7,415,000 | $ 43,110 | $ 44,000 |
| Binghamton, NY | 159 | $ 6,526,000 | $ 41,044 | $ 50,000 |
| Lebanon, PA | 147 | $ 10,712,000 | $ 72,870 | $ 56,000 |
| Bethesda-Frederick-Gaithersburg, MD | 146 | $ 22,288,000 | $ 152,657 | $ 79,000 |
| Nassau-Suffolk, NY | 129 | $ 41,078,000 | $ 318,434 | $ 154,000 |
| Hagerstown-Martinsburg, MD-WV | 122 | $ 8,697,000 | $ 71,286 | $ 47,000 |
| Columbus, OH | 105 | $ 22,372,000 | $ 213,066 | $ 7,000 |
| Utica-Rome, NY | 81 | $ 4,388,000 | $ 54,172 | $ 41,000 |
| Kingston, NY | 73 | $ 6,696,000 | $ 91,726 | $ 46,000 |
| Salisbury, MD | 60 | $ 3,310,000 | $ 55,166 | $ 64,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 59 | $ 8,477,000 | $ 143,677 | $ 77,000 |
| Ithaca, NY | 32 | $ 3,239,000 | $ 101,218 | $ 52,000 |
| Pittsburgh, PA | 30 | $ 2,682,000 | $ 89,400 | $ 35,000 |
| Edison, NJ | 26 | $ 7,858,000 | $ 302,230 | $ 7,000 |
| Johnstown, PA | 25 | $ 1,023,000 | $ 40,920 | $ 48,000 |
| Denver-Aurora, CO | 22 | $ 6,071,000 | $ 275,954 | $ 0 |
| Seattle-Bellevue-Everett, WA | 22 | $ 6,112,000 | $ 277,818 | $ 0 |
| Elmira, NY | 17 | $ 1,233,000 | $ 72,529 | $ 131,000 |
| Salt Lake City, UT | 17 | $ 3,908,000 | $ 229,882 | $ 0 |
| Indianapolis, IN | 16 | $ 993,000 | $ 62,062 | $ 15,000 |
| Richmond, VA | 15 | $ 18,694,000 | $ 1,246,266 | $ 47,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 3,356,000 | $ 239,714 | $ 0 |
| Camden, NJ | 13 | $ 2,298,000 | $ 176,769 | $ 44,000 |
| Trenton-Ewing, NJ | 13 | $ 3,135,000 | $ 241,153 | $ 6,000 |
| Portland-Vancouver-Beaverton, OR-WA | 12 | $ 3,624,000 | $ 302,000 | $ 0 |
| Glens Falls, NY | 11 | $ 3,205,000 | $ 291,363 | $ 19,000 |
| Newark-Union, NJ-PA | 10 | $ 6,683,000 | $ 668,300 | $ 0 |
| Wilmington, DE-MD-NJ | 10 | $ 238,000 | $ 23,800 | $ 43,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 2,227,000 | $ 278,375 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,707,000 | $ 213,375 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 585,000 | $ 73,125 | $ 47,000 |
| Naples-Marco Island, FL | 7 | $ 2,489,000 | $ 355,571 | $ 0 |
| Boise City-Nampa, ID | 6 | $ 885,000 | $ 147,500 | $ 0 |
| Ogden-Clearfield, UT | 6 | $ 1,173,000 | $ 195,500 | $ 0 |
| Orlando, FL | 6 | $ 1,396,000 | $ 232,666 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 569,000 | $ 94,833 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 1,314,000 | $ 262,800 | $ 0 |
| Rockingham County-Strafford County, NH | 5 | $ 1,131,000 | $ 226,200 | $ 0 |
| Akron, OH | 4 | $ 971,000 | $ 242,750 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 844,000 | $ 211,000 | $ 0 |
| Atlantic City, NJ | 4 | $ 2,476,000 | $ 619,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 4 | $ 562,000 | $ 140,500 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 1,128,000 | $ 282,000 | $ 0 |
| Tacoma, WA | 4 | $ 822,000 | $ 205,500 | $ 0 |
| Warren-Farmington Hills-Troy, MI | 4 | $ 1,154,000 | $ 288,500 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 517,000 | $ 172,333 | $ 12,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 606,000 | $ 202,000 | $ 0 |
| Dover, DE | 3 | $ 189,000 | $ 63,000 | $ 0 |
| Jacksonville, FL | 3 | $ 624,000 | $ 208,000 | $ 0 |
| Morgantown, WV | 3 | $ 210,000 | $ 70,000 | $ 48,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 196,000 | $ 65,333 | $ 0 |
| Springfield, MA | 3 | $ 518,000 | $ 172,666 | $ 0 |
| Springfield, OH | 3 | $ 660,000 | $ 220,000 | $ 0 |
| St. George, UT | 3 | $ 396,000 | $ 132,000 | $ 0 |
| Winchester, VA-WV | 3 | $ 1,037,000 | $ 345,666 | $ 1,082,000 |
| Asheville, NC | 2 | $ 489,000 | $ 244,500 | $ 0 |
| Boulder, CO | 2 | $ 569,000 | $ 284,500 | $ 0 |
| Colorado Springs, CO | 2 | $ 577,000 | $ 288,500 | $ 0 |
| Des Moines, IA | 2 | $ 85,000 | $ 42,500 | $ 0 |
| Grand Rapids-Wyoming, MI | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Lynchburg, VA | 2 | $ 573,000 | $ 286,500 | $ 0 |
| New Haven-Milford, CT | 2 | $ 275,000 | $ 137,500 | $ 0 |
| Norwich-New London, CT | 2 | $ 558,000 | $ 279,000 | $ 0 |
| Ocean City, NJ | 2 | $ 134,000 | $ 67,000 | $ 68,000 |
| Pittsfield, MA | 2 | $ 717,000 | $ 358,500 | $ 0 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 678,000 | $ 339,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 1,270,000 | $ 635,000 | $ 0 |
| Provo-Orem, UT | 2 | $ 297,000 | $ 148,500 | $ 0 |
| Reno-Sparks, NV | 2 | $ 403,000 | $ 201,500 | $ 0 |
| Sandusky, OH | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 722,000 | $ 361,000 | $ 0 |
| Spokane, WA | 2 | $ 683,000 | $ 341,500 | $ 0 |
| St. Louis, MO-IL | 2 | $ 224,000 | $ 112,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Worcester, MA | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Amarillo, TX | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Bangor, ME | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Bay City, MI | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Bloomington, IN | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Boston-Quincy, MA | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Charlottesville, VA | 1 | $ 441,000 | $ 441,000 | $ 0 |
| Chicago-Naperville-Joliet, IL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Columbia, SC | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 476,000 | $ 476,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Durham, NC | 1 | $ 358,000 | $ 358,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Erie, PA | 1 | $ 30,000 | $ 30,000 | $ 20,000 |
| Essex County, MA | 1 | $ 546,000 | $ 546,000 | $ 0 |
| Farmington, NM | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Fresno, CA | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Greeley, CO | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Greenville, SC | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Jefferson City, MO | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Kokomo, IN | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 17,000 | $ 17,000 | $ 80,000 |
| Logan, UT-ID | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Longview, WA | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Mansfield, OH | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Medford, OR | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Merced, CA | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Monroe, MI | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Napa, CA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Prescott, AZ | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Pueblo, CO | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Raleigh-Cary, NC | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Roanoke, VA | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Salem, OR | 1 | $ 317,000 | $ 317,000 | $ 0 |
| Salinas, CA | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Savannah, GA | 1 | $ 960,000 | $ 960,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Toledo, OH | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 15,000 | $ 15,000 | $ 131,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Winston-Salem, NC | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 334,000 | $ 334,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2004
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 | 6,076 | $540,999,000 | $258,478 | $4,000,000 | $25,347 | $2,165,000 |
| Home Purchase | 3,708 | $726,548,000 | $223,307 | $99,999,000 | $19,230 | $3,900,000 |
| Home Improvement | 3,512 | $76,370,000 | $137,272 | $1,576,000 | $59,545 | $1,872,000 |
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 | 6,529 | $334,059,000 | $273,615 | $3,000,000 | $380,153 | $3,900,000 |
| Not applicable | 4,543 | $920,131,000 | $239,975 | $99,999,000 | $1,350 | $2,500,000 |
| Not Provided | 1,331 | $57,572,000 | $48,125 | $508,000 | $86,500 | $1,783,000 |
| Black or African American | 511 | $17,610,000 | $31,833 | $344,000 | $52,166 | $1,839,000 |
| Hispanic | 217 | $6,954,000 | $21,200 | $212,000 | $68,600 | $853,000 |
| Asian | 84 | $4,686,000 | $63,200 | $310,000 | $76,600 | $1,482,000 |
| American Indian or Alaskan Native | 73 | $2,614,000 | $37,000 | $140,000 | $56,500 | $661,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $291,000 | $42,666 | $104,000 | $46,000 | $78,000 |
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) | 13,244 | $1,338,504,000 | $223,925 | $99,999,000 | $20,050 | $3,900,000 |
| FHA-insured (Federal Housing Administration) | 48 | $4,631,000 | $143,200 | $214,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 4 | $782,000 | $202,000 | $246,000 | $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 | 4,514 | $756,282,000 | $233,725 | $5,600,000 | $0 | $0 |
| Application Denied By Financial Institution | 4,217 | $187,904,000 | $34,166 | $500,000 | $62,500 | $1,839,000 |
| Loan Originated | 3,885 | $375,482,000 | $824,454 | $99,999,000 | $459,909 | $3,900,000 |
| Application Approved But Not Accepted | 507 | $21,185,000 | $30,142 | $180,000 | $64,857 | $1,664,000 |
| File Closed For Incompleteness | 152 | $2,165,000 | $14,200 | $125,000 | $87,000 | $1,872,000 |
| Application Withdrawn By Applicant | 21 | $899,000 | $42,333 | $140,000 | $62,666 | $310,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M&T Bank's 2004 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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