M&T Bank Mortgage Lending & HMDA Data, 2005
In 2005, M&T Bank of Buffalo, NY reported 10,053 mortgage applications totaling $1.2 billion, down 24% from 2004. The average application was for $119,060, and applicants reported an average income of $42,851. 26% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Buffalo-Niagara Falls, NY (1,013), Baltimore-Towson, MD (628) and York-Hanover, PA (557) (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 | 10,053 |
| Total Mortgage Loan Application Amount | $1,196,912,000 |
| Average Mortgage Loan Application Amount | $119,060 |
| Highest Mortgage Loan Application Amount | $13,750,000 |
| Average Applicant Income | $42,851 |
| Highest Applicant Income | $862,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,013 | $ 76,348,000 | $ 75,368 | $ 46,000 |
| Baltimore-Towson, MD | 628 | $ 67,356,000 | $ 107,254 | $ 71,000 |
| York-Hanover, PA | 557 | $ 37,662,000 | $ 67,615 | $ 52,000 |
| Scranton--Wilkes-Barre, PA | 450 | $ 31,312,000 | $ 69,582 | $ 63,000 |
| Harrisburg-Carlisle, PA | 400 | $ 28,965,000 | $ 72,412 | $ 57,000 |
| Syracuse, NY | 337 | $ 20,673,000 | $ 61,344 | $ 55,000 |
| Rochester, NY | 334 | $ 24,040,000 | $ 71,976 | $ 41,000 |
| Altoona, PA | 259 | $ 16,147,000 | $ 62,343 | $ 44,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 251 | $ 45,603,000 | $ 181,685 | $ 47,000 |
| New York-Wayne-White Plains, NY-NJ | 229 | $ 101,727,000 | $ 444,222 | $ 68,000 |
| Reading, PA | 228 | $ 12,518,000 | $ 54,903 | $ 42,000 |
| Philadelphia, PA | 213 | $ 21,305,000 | $ 100,023 | $ 54,000 |
| Albany-Schenectady-Troy, NY | 207 | $ 26,717,000 | $ 129,067 | $ 46,000 |
| Bethesda-Frederick-Gaithersburg, MD | 163 | $ 41,463,000 | $ 254,374 | $ 73,000 |
| State College, PA | 163 | $ 12,582,000 | $ 77,190 | $ 53,000 |
| Lancaster, PA | 150 | $ 12,338,000 | $ 82,253 | $ 51,000 |
| Binghamton, NY | 147 | $ 5,845,000 | $ 39,761 | $ 54,000 |
| Williamsport, PA | 147 | $ 8,069,000 | $ 54,891 | $ 40,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 134 | $ 9,186,000 | $ 68,552 | $ 57,000 |
| Nassau-Suffolk, NY | 107 | $ 27,749,000 | $ 259,336 | $ 65,000 |
| Lebanon, PA | 94 | $ 7,552,000 | $ 80,340 | $ 61,000 |
| Cumberland, MD-WV | 91 | $ 5,250,000 | $ 57,692 | $ 34,000 |
| Hagerstown-Martinsburg, MD-WV | 83 | $ 9,050,000 | $ 109,036 | $ 54,000 |
| Columbus, OH | 74 | $ 18,111,000 | $ 244,743 | $ 2,000 |
| Seattle-Bellevue-Everett, WA | 52 | $ 18,381,000 | $ 353,480 | $ 0 |
| Kingston, NY | 50 | $ 6,218,000 | $ 124,360 | $ 43,000 |
| Utica-Rome, NY | 46 | $ 3,504,000 | $ 76,173 | $ 33,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 42 | $ 9,869,000 | $ 234,976 | $ 62,000 |
| Salisbury, MD | 37 | $ 2,330,000 | $ 62,972 | $ 46,000 |
| Phoenix-Mesa-Scottsdale, AZ | 24 | $ 6,109,000 | $ 254,541 | $ 0 |
| Salt Lake City, UT | 23 | $ 6,040,000 | $ 262,608 | $ 0 |
| Elmira, NY | 22 | $ 1,030,000 | $ 46,818 | $ 39,000 |
| Ithaca, NY | 22 | $ 1,657,000 | $ 75,318 | $ 51,000 |
| Richmond, VA | 21 | $ 4,578,000 | $ 218,000 | $ 26,000 |
| Denver-Aurora, CO | 19 | $ 4,704,000 | $ 247,578 | $ 0 |
| Edison, NJ | 19 | $ 8,057,000 | $ 424,052 | $ 0 |
| Pittsburgh, PA | 19 | $ 2,895,000 | $ 152,368 | $ 46,000 |
| Ogden-Clearfield, UT | 18 | $ 4,169,000 | $ 231,611 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 18 | $ 4,156,000 | $ 230,888 | $ 0 |
| Johnstown, PA | 14 | $ 437,000 | $ 31,214 | $ 44,000 |
| Chicago-Naperville-Joliet, IL | 13 | $ 2,461,000 | $ 189,307 | $ 0 |
| Glens Falls, NY | 13 | $ 1,993,000 | $ 153,307 | $ 29,000 |
| Newark-Union, NJ-PA | 10 | $ 3,187,000 | $ 318,700 | $ 0 |
| Provo-Orem, UT | 10 | $ 2,805,000 | $ 280,500 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 1,498,000 | $ 166,444 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 9 | $ 4,730,000 | $ 525,555 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 3,944,000 | $ 438,222 | $ 0 |
| Asheville, NC | 8 | $ 1,422,000 | $ 177,750 | $ 0 |
| Cape Coral-Fort Myers, FL | 7 | $ 2,423,000 | $ 346,142 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 1,056,000 | $ 150,857 | $ 68,000 |
| Fort Collins-Loveland, CO | 6 | $ 1,501,000 | $ 250,166 | $ 0 |
| Houston-Baytown-Sugar Land, TX | 6 | $ 1,160,000 | $ 193,333 | $ 0 |
| Ocean City, NJ | 6 | $ 3,121,000 | $ 520,166 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,457,000 | $ 242,833 | $ 0 |
| Wilmington, DE-MD-NJ | 6 | $ 963,000 | $ 160,500 | $ 46,000 |
| Indianapolis, IN | 5 | $ 1,084,000 | $ 216,800 | $ 12,000 |
| Logan, UT-ID | 5 | $ 932,000 | $ 186,400 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,913,000 | $ 382,600 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 585,000 | $ 117,000 | $ 0 |
| Orlando, FL | 5 | $ 1,781,000 | $ 356,200 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,366,000 | $ 273,200 | $ 0 |
| Yuma, AZ | 5 | $ 819,000 | $ 163,800 | $ 0 |
| Akron, OH | 4 | $ 792,000 | $ 198,000 | $ 17,000 |
| Boston-Quincy, MA | 4 | $ 1,394,000 | $ 348,500 | $ 0 |
| Charlottesville, VA | 4 | $ 2,016,000 | $ 504,000 | $ 0 |
| Colorado Springs, CO | 4 | $ 1,173,000 | $ 293,250 | $ 0 |
| Eugene-Springfield, OR | 4 | $ 534,000 | $ 133,500 | $ 0 |
| Las Vegas-Paradise, NV | 4 | $ 1,254,000 | $ 313,500 | $ 0 |
| Port St. Lucie-Fort Pierce, FL | 4 | $ 765,000 | $ 191,250 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 2,248,000 | $ 562,000 | $ 0 |
| Trenton-Ewing, NJ | 4 | $ 1,569,000 | $ 392,250 | $ 0 |
| Boise City-Nampa, ID | 3 | $ 448,000 | $ 149,333 | $ 0 |
| Camden, NJ | 3 | $ 222,000 | $ 74,000 | $ 13,000 |
| Charleston, WV | 3 | $ 749,000 | $ 249,666 | $ 12,000 |
| Erie, PA | 3 | $ 862,000 | $ 287,333 | $ 48,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 1,223,000 | $ 407,666 | $ 0 |
| Lakeland, FL | 3 | $ 752,000 | $ 250,666 | $ 0 |
| Monroe, MI | 3 | $ 797,000 | $ 265,666 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 558,000 | $ 186,000 | $ 0 |
| Naples-Marco Island, FL | 3 | $ 5,000,000 | $ 1,666,666 | $ 0 |
| New Haven-Milford, CT | 3 | $ 1,586,000 | $ 528,666 | $ 0 |
| Prescott, AZ | 3 | $ 911,000 | $ 303,666 | $ 0 |
| Rockingham County-Strafford County, NH | 3 | $ 645,000 | $ 215,000 | $ 0 |
| San Antonio, TX | 3 | $ 143,000 | $ 47,666 | $ 0 |
| St. George, UT | 3 | $ 689,000 | $ 229,666 | $ 0 |
| Atlantic City, NJ | 2 | $ 1,416,000 | $ 708,000 | $ 0 |
| Burlington-South Burlington, VT | 2 | $ 473,000 | $ 236,500 | $ 0 |
| Canton-Massillon, OH | 2 | $ 208,000 | $ 104,000 | $ 15,000 |
| Charleston-North Charleston, SC | 2 | $ 435,000 | $ 217,500 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 96,000 | $ 48,000 | $ 17,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Dover, DE | 2 | $ 205,000 | $ 102,500 | $ 0 |
| Elkhart-Goshen, IN | 2 | $ 433,000 | $ 216,500 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 804,000 | $ 402,000 | $ 0 |
| Harrisonburg, VA | 2 | $ 242,000 | $ 121,000 | $ 0 |
| Lewiston-Auburn, ME | 2 | $ 379,000 | $ 189,500 | $ 0 |
| Lima, OH | 2 | $ 157,000 | $ 78,500 | $ 0 |
| Longview, WA | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Louisville, KY-IN | 2 | $ 422,000 | $ 211,000 | $ 0 |
| Morgantown, WV | 2 | $ 130,000 | $ 65,000 | $ 31,000 |
| Norwich-New London, CT | 2 | $ 695,000 | $ 347,500 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,279,000 | $ 639,500 | $ 0 |
| Panama City-Lynn Haven, FL | 2 | $ 835,000 | $ 417,500 | $ 0 |
| Parkersburg-Marietta, WV-OH | 2 | $ 28,000 | $ 14,000 | $ 111,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 215,000 | $ 107,500 | $ 0 |
| Portland-South Portland-Biddeford, ME | 2 | $ 359,000 | $ 179,500 | $ 0 |
| Roanoke, VA | 2 | $ 62,000 | $ 31,000 | $ 32,000 |
| Spokane, WA | 2 | $ 195,000 | $ 97,500 | $ 0 |
| Tucson, AZ | 2 | $ 776,000 | $ 388,000 | $ 0 |
| Warren-Farmington Hills-Troy, MI | 2 | $ 13,934,000 | $ 6,967,000 | $ 0 |
| Winchester, VA-WV | 2 | $ 494,000 | $ 247,000 | $ 0 |
| Worcester, MA | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Amarillo, TX | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Bangor, ME | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Bellingham, WA | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Billings, MT | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Bloomington, IN | 1 | $ 612,000 | $ 612,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Brunswick, GA | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Columbia, MO | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Dayton, OH | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Durham, NC | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Flint, MI | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Huntsville, AL | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Idaho Falls, ID | 1 | $ 579,000 | $ 579,000 | $ 0 |
| Jackson, MI | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Kokomo, IN | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Lynchburg, VA | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Medford, OR | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Monroe, LA | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Montgomery, AL | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 72,000 | $ 72,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Ocala, FL | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Pascagoula, MS | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Pittsfield, MA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Pueblo, CO | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Reno-Sparks, NV | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 126,000 | $ 126,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 462,000 | $ 462,000 | $ 0 |
| Santa Fe, NM | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 1 | $ 509,000 | $ 509,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Springfield, MA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Tacoma, WA | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Tallahassee, FL | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Toledo, OH | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Vero Beach, FL | 1 | $ 152,000 | $ 152,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2005
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 | 3,669 | $402,626,000 | $235,166 | $8,200,000 | $16,500 | $700,000 |
| Home Purchase | 3,404 | $726,071,000 | $281,825 | $13,750,000 | $2,425 | $318,000 |
| Home Improvement | 2,980 | $68,215,000 | $102,272 | $650,000 | $41,636 | $862,000 |
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 | 4,354 | $205,863,000 | $52,454 | $500,000 | $71,636 | $862,000 |
| Not applicable | 4,109 | $929,757,000 | $285,463 | $13,750,000 | $0 | $0 |
| Not Provided | 998 | $41,552,000 | $35,285 | $350,000 | $79,000 | $700,000 |
| Black or African American | 360 | $10,597,000 | $32,833 | $260,000 | $60,166 | $314,000 |
| Hispanic | 138 | $4,472,000 | $28,250 | $189,000 | $61,500 | $212,000 |
| American Indian or Alaskan Native | 44 | $1,810,000 | $44,000 | $180,000 | $61,000 | $200,000 |
| Asian | 42 | $2,453,000 | $55,000 | $300,000 | $86,333 | $342,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $408,000 | $50,666 | $135,000 | $58,666 | $88,000 |
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) | 10,009 | $1,192,270,000 | $269,756 | $13,750,000 | $9,195 | $862,000 |
| FHA-insured (Federal Housing Administration) | 40 | $4,042,000 | $146,500 | $225,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 4 | $600,000 | $149,500 | $178,000 | $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 | 4,097 | $886,070,000 | $254,487 | $12,500,000 | $0 | $0 |
| Application Denied By Financial Institution | 2,806 | $115,775,000 | $49,500 | $500,000 | $65,800 | $862,000 |
| Loan Originated | 2,619 | $172,358,000 | $1,618,545 | $13,750,000 | $52,000 | $700,000 |
| Application Approved But Not Accepted | 311 | $13,477,000 | $38,200 | $356,000 | $102,400 | $700,000 |
| Application Withdrawn By Applicant | 118 | $7,286,000 | $49,750 | $300,000 | $68,000 | $263,000 |
| File Closed For Incompleteness | 102 | $1,946,000 | $16,666 | $175,000 | $93,333 | $300,000 |
| 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 2005 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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