M&T Bank Mortgage Lending & HMDA Data, 2006
In 2006, M&T Bank of Buffalo, NY reported 16,463 mortgage applications totaling $1.9 billion, up 64% from 2005. The average application was for $113,044, and applicants reported an average income of $32,938. 24% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Buffalo-Niagara Falls, NY (1,365), Baltimore-Towson, MD (1,043) and York-Hanover, PA (745) (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 | 16,463 |
| Total Mortgage Loan Application Amount | $1,861,045,000 |
| Average Mortgage Loan Application Amount | $113,044 |
| Highest Mortgage Loan Application Amount | $48,000,000 |
| Average Applicant Income | $32,938 |
| Highest Applicant Income | $2,450,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,365 | $ 79,131,000 | $ 57,971 | $ 29,000 |
| Baltimore-Towson, MD | 1,043 | $ 101,314,000 | $ 97,137 | $ 44,000 |
| York-Hanover, PA | 745 | $ 52,566,000 | $ 70,558 | $ 57,000 |
| Scranton--Wilkes-Barre, PA | 656 | $ 38,207,000 | $ 58,242 | $ 50,000 |
| Rochester, NY | 572 | $ 30,158,000 | $ 52,723 | $ 37,000 |
| Harrisburg-Carlisle, PA | 528 | $ 33,699,000 | $ 63,823 | $ 48,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 461 | $ 93,194,000 | $ 202,156 | $ 36,197 |
| New York-White Plains-Wayne, NY-NJ | 435 | $ 167,428,000 | $ 384,891 | $ 32,013 |
| Syracuse, NY | 431 | $ 26,706,000 | $ 61,962 | $ 37,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 395 | $ 52,675,000 | $ 133,354 | $ 43,000 |
| Altoona, PA | 363 | $ 19,608,000 | $ 54,016 | $ 37,000 |
| Reading, PA | 363 | $ 18,474,000 | $ 50,892 | $ 51,000 |
| Chicago-Naperville-Joliet, IL | 337 | $ 75,810,000 | $ 224,955 | $ 0 |
| Albany-Schenectady-Troy, NY | 296 | $ 39,500,000 | $ 133,445 | $ 19,000 |
| Philadelphia, PA | 295 | $ 24,174,000 | $ 81,945 | $ 54,000 |
| Cumberland, MD-WV | 232 | $ 11,686,000 | $ 50,370 | $ 36,396 |
| Bethesda-Gaithersburg-Frederick, MD | 221 | $ 43,703,000 | $ 197,751 | $ 44,000 |
| Binghamton, NY | 203 | $ 10,282,000 | $ 50,650 | $ 37,000 |
| State College, PA | 198 | $ 13,994,000 | $ 70,676 | $ 50,000 |
| Williamsport, PA | 186 | $ 8,913,000 | $ 47,919 | $ 49,000 |
| Lancaster, PA | 172 | $ 14,943,000 | $ 86,877 | $ 48,000 |
| Nassau-Suffolk, NY | 155 | $ 36,719,000 | $ 236,896 | $ 45,000 |
| Hagerstown-Martinsburg, MD-WV | 153 | $ 12,840,000 | $ 83,921 | $ 35,450 |
| Allentown-Bethlehem-Easton, PA-NJ | 145 | $ 12,056,000 | $ 83,144 | $ 41,420 |
| Kingston, NY | 117 | $ 10,154,000 | $ 86,786 | $ 40,000 |
| Atlanta-Sandy Springs-Marietta, GA | 109 | $ 17,483,000 | $ 160,394 | $ 0 |
| Columbus, OH | 101 | $ 25,327,000 | $ 250,762 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 95 | $ 17,488,000 | $ 184,084 | $ 0 |
| Lebanon, PA | 89 | $ 5,947,000 | $ 66,820 | $ 49,000 |
| New Orleans-Metairie-Kenner, LA | 83 | $ 13,363,000 | $ 161,000 | $ 0 |
| Utica-Rome, NY | 81 | $ 4,851,000 | $ 59,888 | $ 29,000 |
| Salisbury, MD | 72 | $ 4,187,000 | $ 58,152 | $ 54,000 |
| Portland-Vancouver-Beaverton, OR-WA | 64 | $ 17,635,000 | $ 275,546 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 63 | $ 16,811,000 | $ 266,841 | $ 0 |
| San Antonio, TX | 58 | $ 6,455,000 | $ 111,293 | $ 0 |
| Pittsburgh, PA | 56 | $ 7,341,000 | $ 131,089 | $ 13,000 |
| Orlando-Kissimmee, FL | 54 | $ 10,830,000 | $ 200,555 | $ 0 |
| Baton Rouge, LA | 53 | $ 7,441,000 | $ 140,396 | $ 0 |
| Newark-Union, NJ-PA | 50 | $ 12,381,000 | $ 247,620 | $ 20,520 |
| Salt Lake City, UT | 49 | $ 10,071,000 | $ 205,530 | $ 0 |
| Memphis, TN-MS-AR | 47 | $ 6,548,000 | $ 139,319 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 46 | $ 8,264,000 | $ 179,652 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 45 | $ 10,515,000 | $ 233,666 | $ 0 |
| Seattle-Bellevue-Everett, WA | 44 | $ 12,924,000 | $ 293,727 | $ 0 |
| Indianapolis-Carmel, IN | 42 | $ 5,470,000 | $ 130,238 | $ 0 |
| Florence-Muscle Shoals, AL | 37 | $ 3,883,000 | $ 104,945 | $ 0 |
| Wilmington, DE-MD-NJ | 37 | $ 2,185,000 | $ 59,054 | $ 52,756 |
| Birmingham-Hoover, AL | 36 | $ 4,880,000 | $ 135,555 | $ 0 |
| Ogden-Clearfield, UT | 35 | $ 8,425,000 | $ 240,714 | $ 0 |
| Johnstown, PA | 34 | $ 1,507,000 | $ 44,323 | $ 47,000 |
| Los Angeles-Long Beach-Glendale, CA | 34 | $ 12,383,000 | $ 364,205 | $ 0 |
| Richmond, VA | 34 | $ 6,529,000 | $ 192,029 | $ 22,000 |
| St. Louis, MO-IL | 31 | $ 3,206,000 | $ 103,419 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 30 | $ 4,845,000 | $ 161,500 | $ 2,800 |
| Provo-Orem, UT | 30 | $ 8,032,000 | $ 267,733 | $ 0 |
| Glens Falls, NY | 26 | $ 4,069,000 | $ 156,500 | $ 21,000 |
| Edison, NJ | 25 | $ 8,362,000 | $ 334,480 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 25 | $ 5,607,000 | $ 224,280 | $ 0 |
| Denver-Aurora, CO | 24 | $ 11,195,000 | $ 466,458 | $ 0 |
| Portland-South Portland-Biddeford, ME | 24 | $ 5,401,000 | $ 225,041 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 24 | $ 4,770,000 | $ 198,750 | $ 13,000 |
| Wilmington, NC | 23 | $ 3,688,000 | $ 160,347 | $ 0 |
| Ithaca, NY | 22 | $ 3,379,000 | $ 153,590 | $ 50,000 |
| Lake County-Kenosha County, IL-WI | 21 | $ 5,180,000 | $ 246,666 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 21 | $ 3,150,000 | $ 150,000 | $ 0 |
| Asheville, NC | 20 | $ 3,989,000 | $ 199,450 | $ 0 |
| Boise City-Nampa, ID | 20 | $ 3,627,000 | $ 181,350 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 20 | $ 4,520,000 | $ 226,000 | $ 0 |
| Huntsville, AL | 20 | $ 2,223,000 | $ 111,150 | $ 0 |
| Knoxville, TN | 20 | $ 2,816,000 | $ 140,800 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 20 | $ 4,920,000 | $ 246,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 19 | $ 8,384,000 | $ 441,263 | $ 0 |
| Elmira, NY | 19 | $ 514,000 | $ 27,052 | $ 36,000 |
| Hartford-West Hartford-East Hartford, CT | 18 | $ 5,533,000 | $ 307,388 | $ 0 |
| Jackson, MS | 18 | $ 1,732,000 | $ 96,222 | $ 0 |
| Montgomery, AL | 18 | $ 3,016,000 | $ 167,555 | $ 0 |
| Camden, NJ | 17 | $ 3,730,000 | $ 219,411 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 17 | $ 2,779,000 | $ 163,470 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 17 | $ 4,527,000 | $ 266,294 | $ 0 |
| Cape Coral-Fort Myers, FL | 16 | $ 3,915,000 | $ 244,687 | $ 0 |
| Chattanooga, TN-GA | 16 | $ 1,677,000 | $ 104,812 | $ 0 |
| Dayton, OH | 16 | $ 1,966,000 | $ 122,875 | $ 0 |
| Louisville-Jefferson County, KY-IN | 16 | $ 3,795,000 | $ 237,187 | $ 0 |
| Boston-Quincy, MA | 15 | $ 5,714,000 | $ 380,933 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 2,995,000 | $ 213,928 | $ 0 |
| Jacksonville, FL | 14 | $ 3,030,000 | $ 216,428 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 5,105,000 | $ 364,642 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 13 | $ 1,194,000 | $ 91,846 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 13 | $ 2,956,000 | $ 227,384 | $ 4,000 |
| Shreveport-Bossier City, LA | 13 | $ 1,557,000 | $ 119,769 | $ 0 |
| Lakeland, FL | 12 | $ 2,515,000 | $ 209,583 | $ 0 |
| Las Vegas-Paradise, NV | 12 | $ 2,794,000 | $ 232,833 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 3,173,000 | $ 264,416 | $ 0 |
| Beaumont-Port Arthur, TX | 11 | $ 952,000 | $ 86,545 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 11 | $ 2,324,000 | $ 211,272 | $ 0 |
| Greensboro-High Point, NC | 11 | $ 1,897,000 | $ 172,454 | $ 0 |
| Port St. Lucie-Fort Pierce, FL | 11 | $ 3,195,000 | $ 290,454 | $ 0 |
| Tacoma, WA | 11 | $ 2,139,000 | $ 194,454 | $ 0 |
| Akron, OH | 10 | $ 1,383,000 | $ 138,300 | $ 0 |
| Cambridge-Newton-Framingham, MA | 10 | $ 3,520,000 | $ 352,000 | $ 0 |
| Charlottesville, VA | 10 | $ 2,627,000 | $ 262,700 | $ 0 |
| Cleveland, TN | 10 | $ 526,000 | $ 52,600 | $ 0 |
| Morgantown, WV | 10 | $ 461,000 | $ 46,100 | $ 38,000 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 1,089,000 | $ 108,900 | $ 13,800 |
| Dover, DE | 9 | $ 600,000 | $ 66,666 | $ 24,000 |
| Manchester-Nashua, NH | 9 | $ 2,895,000 | $ 321,666 | $ 0 |
| Mobile, AL | 9 | $ 1,006,000 | $ 111,777 | $ 0 |
| Salem, OR | 9 | $ 1,629,000 | $ 181,000 | $ 0 |
| Springfield, OH | 9 | $ 868,000 | $ 96,444 | $ 0 |
| Charleston, WV | 8 | $ 1,390,000 | $ 173,750 | $ 7,000 |
| Colorado Springs, CO | 8 | $ 2,561,000 | $ 320,125 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 8 | $ 1,167,000 | $ 145,875 | $ 0 |
| Kansas City, MO-KS | 8 | $ 1,533,000 | $ 191,625 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 8 | $ 1,191,000 | $ 148,875 | $ 0 |
| Spokane, WA | 8 | $ 911,000 | $ 113,875 | $ 0 |
| Tallahassee, FL | 8 | $ 1,137,000 | $ 142,125 | $ 0 |
| Worcester, MA | 8 | $ 2,492,000 | $ 311,500 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 7 | $ 2,001,000 | $ 285,857 | $ 0 |
| Grand Rapids-Wyoming, MI | 7 | $ 1,081,000 | $ 154,428 | $ 0 |
| Lake Charles, LA | 7 | $ 916,000 | $ 130,857 | $ 0 |
| Toledo, OH | 7 | $ 1,579,000 | $ 225,571 | $ 0 |
| Winchester, VA-WV | 7 | $ 1,155,000 | $ 165,000 | $ 12,857 |
| Amarillo, TX | 6 | $ 1,371,000 | $ 228,500 | $ 0 |
| Bend, OR | 6 | $ 2,091,000 | $ 348,500 | $ 0 |
| Charleston-North Charleston, SC | 6 | $ 3,288,000 | $ 548,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 872,000 | $ 145,333 | $ 0 |
| Essex County, MA | 6 | $ 1,498,000 | $ 249,666 | $ 0 |
| Eugene-Springfield, OR | 6 | $ 1,078,000 | $ 179,666 | $ 0 |
| Fort Worth-Arlington, TX | 6 | $ 987,000 | $ 164,500 | $ 0 |
| Gainesville, FL | 6 | $ 1,243,000 | $ 207,166 | $ 0 |
| Morristown, TN | 6 | $ 857,000 | $ 142,833 | $ 0 |
| Naples-Marco Island, FL | 6 | $ 2,390,000 | $ 398,333 | $ 0 |
| New Haven-Milford, CT | 6 | $ 1,702,000 | $ 283,666 | $ 0 |
| Ocala, FL | 6 | $ 755,000 | $ 125,833 | $ 0 |
| Rockford, IL | 6 | $ 702,000 | $ 117,000 | $ 0 |
| Rockingham County-Strafford County, NH | 6 | $ 1,740,000 | $ 290,000 | $ 0 |
| Atlantic City, NJ | 5 | $ 1,298,000 | $ 259,600 | $ 0 |
| Augusta-Richmond County, GA-SC | 5 | $ 830,000 | $ 166,000 | $ 0 |
| Bangor, ME | 5 | $ 788,000 | $ 157,600 | $ 0 |
| Barnstable Town, MA | 5 | $ 1,558,000 | $ 311,600 | $ 0 |
| Dallas-Plano-Irving, TX | 5 | $ 583,000 | $ 116,600 | $ 0 |
| Fayetteville, NC | 5 | $ 608,000 | $ 121,600 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 447,000 | $ 89,400 | $ 0 |
| Johnson City, TN | 5 | $ 653,000 | $ 130,600 | $ 0 |
| Kalamazoo-Portage, MI | 5 | $ 1,399,000 | $ 279,800 | $ 0 |
| Longview, WA | 5 | $ 1,291,000 | $ 258,200 | $ 0 |
| Ocean City, NJ | 5 | $ 2,954,000 | $ 590,800 | $ 34,000 |
| Olympia, WA | 5 | $ 834,000 | $ 166,800 | $ 0 |
| Raleigh-Cary, NC | 5 | $ 1,405,000 | $ 281,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 1,742,000 | $ 348,400 | $ 0 |
| St. Cloud, MN | 5 | $ 864,000 | $ 172,800 | $ 0 |
| Yuma, AZ | 5 | $ 956,000 | $ 191,200 | $ 0 |
| Anniston-Oxford, AL | 4 | $ 479,000 | $ 119,750 | $ 0 |
| Bellingham, WA | 4 | $ 803,000 | $ 200,750 | $ 0 |
| Canton-Massillon, OH | 4 | $ 1,122,000 | $ 280,500 | $ 0 |
| Durham, NC | 4 | $ 833,000 | $ 208,250 | $ 0 |
| Flint, MI | 4 | $ 602,000 | $ 150,500 | $ 0 |
| Gary, IN | 4 | $ 885,000 | $ 221,250 | $ 0 |
| Logan, UT-ID | 4 | $ 640,000 | $ 160,000 | $ 0 |
| Lynchburg, VA | 4 | $ 580,000 | $ 145,000 | $ 0 |
| Merced, CA | 4 | $ 1,442,000 | $ 360,500 | $ 0 |
| Norwich-New London, CT | 4 | $ 994,000 | $ 248,500 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 1,114,000 | $ 278,500 | $ 0 |
| Valdosta, GA | 4 | $ 398,000 | $ 99,500 | $ 0 |
| Albany, GA | 3 | $ 322,000 | $ 107,333 | $ 0 |
| Ann Arbor, MI | 3 | $ 729,000 | $ 243,000 | $ 0 |
| Austin-Round Rock, TX | 3 | $ 309,000 | $ 103,000 | $ 0 |
| Burlington-South Burlington, VT | 3 | $ 1,171,000 | $ 390,333 | $ 0 |
| Clarksville, TN-KY | 3 | $ 354,000 | $ 118,000 | $ 0 |
| Danville, VA | 3 | $ 783,000 | $ 261,000 | $ 0 |
| Decatur, AL | 3 | $ 273,000 | $ 91,000 | $ 0 |
| Des Moines-West Des Moines, IA | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Duluth, MN-WI | 3 | $ 630,000 | $ 210,000 | $ 0 |
| Fresno, CA | 3 | $ 275,000 | $ 91,666 | $ 0 |
| Gulfport-Biloxi, MS | 3 | $ 438,000 | $ 146,000 | $ 0 |
| Hattiesburg, MS | 3 | $ 294,000 | $ 98,000 | $ 0 |
| Idaho Falls, ID | 3 | $ 378,000 | $ 126,000 | $ 0 |
| Lafayette, LA | 3 | $ 319,000 | $ 106,333 | $ 0 |
| Las Cruces, NM | 3 | $ 634,000 | $ 211,333 | $ 0 |
| Lexington-Fayette, KY | 3 | $ 517,000 | $ 172,333 | $ 0 |
| Monroe, MI | 3 | $ 472,000 | $ 157,333 | $ 0 |
| Mount Vernon-Anacortes, WA | 3 | $ 792,000 | $ 264,000 | $ 0 |
| Pittsfield, MA | 3 | $ 702,000 | $ 234,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 3 | $ 569,000 | $ 189,666 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,387,000 | $ 462,333 | $ 0 |
| South Bend-Mishawaka, IN-MI | 3 | $ 592,000 | $ 197,333 | $ 0 |
| Springfield, MA | 3 | $ 300,000 | $ 100,000 | $ 0 |
| Tulsa, OK | 3 | $ 732,000 | $ 244,000 | $ 0 |
| Winston-Salem, NC | 3 | $ 509,000 | $ 169,666 | $ 0 |
| Anderson, IN | 2 | $ 478,000 | $ 239,000 | $ 0 |
| Bakersfield, CA | 2 | $ 207,000 | $ 103,500 | $ 0 |
| Columbus, GA-AL | 2 | $ 179,000 | $ 89,500 | $ 0 |
| Greenville, SC | 2 | $ 398,000 | $ 199,000 | $ 0 |
| Harrisonburg, VA | 2 | $ 185,000 | $ 92,500 | $ 0 |
| Jacksonville, NC | 2 | $ 299,000 | $ 149,500 | $ 0 |
| Kokomo, IN | 2 | $ 428,000 | $ 214,000 | $ 0 |
| Lafayette, IN | 2 | $ 387,000 | $ 193,500 | $ 0 |
| Lansing-East Lansing, MI | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Little Rock-North Little Rock, AR | 2 | $ 387,000 | $ 193,500 | $ 0 |
| Longview, TX | 2 | $ 471,000 | $ 235,500 | $ 0 |
| Niles-Benton Harbor, MI | 2 | $ 62,000 | $ 31,000 | $ 16,000 |
| Oklahoma City, OK | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Peoria, IL | 2 | $ 121,000 | $ 60,500 | $ 0 |
| Punta Gorda, FL | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Redding, CA | 2 | $ 487,000 | $ 243,500 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 703,000 | $ 351,500 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 918,000 | $ 459,000 | $ 0 |
| Sandusky, OH | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 1,478,000 | $ 739,000 | $ 0 |
| Savannah, GA | 2 | $ 192,000 | $ 96,000 | $ 0 |
| St. George, UT | 2 | $ 899,000 | $ 449,500 | $ 0 |
| Trenton-Ewing, NJ | 2 | $ 1,346,000 | $ 673,000 | $ 0 |
| Tucson, AZ | 2 | $ 950,000 | $ 475,000 | $ 0 |
| Tuscaloosa, AL | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Albuquerque, NM | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Anderson, SC | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Bay City, MI | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Billings, MT | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Boulder, CO | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Carson City, NV | 1 | $ 429,000 | $ 429,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Chico, CA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Columbia, SC | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Dalton, GA | 1 | $ 188,000 | $ 188,000 | $ 0 |
| El Centro, CA | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Erie, PA | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Florence, SC | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Grand Junction, CO | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Greeley, CO | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Green Bay, WI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hot Springs, AR | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Jackson, TN | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Janesville, WI | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Macon, GA | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Mansfield, OH | 1 | $ 193,000 | $ 193,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Medford, OR | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Missoula, MT | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Muncie, IN | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 318,000 | $ 318,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Oshkosh-Neenah, WI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Pascagoula, MS | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Pocatello, ID | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Prescott, AZ | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Rochester, MN | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Rome, GA | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Salinas, CA | 1 | $ 580,000 | $ 580,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Santa Barbara-Santa Maria, CA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Stockton, CA | 1 | $ 352,000 | $ 352,000 | $ 0 |
| Terre Haute, IN | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Tyler, TX | 1 | $ 572,000 | $ 572,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Warner Robins, GA | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Yakima, WA | 1 | $ 232,000 | $ 232,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2006
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 5,833 | $137,314,000 | $23,000 | $3,000,000 | $54,000 | $1,243,000 |
| Home Purchase | 5,349 | $1,013,915,000 | $189,000 | $3,000,000 | $3,000 | $2,450,000 |
| Refinancing | 5,281 | $709,816,000 | $134,000 | $48,000,000 | $40,000 | $800,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 7,387 | $1,505,435,000 | $203,000 | $48,000,000 | $0 | $0 |
| White | 6,244 | $251,383,000 | $40,000 | $3,000,000 | $60,000 | $2,450,000 |
| Not Provided | 1,922 | $73,877,000 | $38,000 | $500,000 | $64,000 | $800,000 |
| Black or African American | 483 | $15,324,000 | $31,000 | $500,000 | $52,000 | $400,000 |
| Hispanic | 286 | $7,466,000 | $26,000 | $215,000 | $45,000 | $305,000 |
| Asian | 91 | $5,730,000 | $62,000 | $435,000 | $86,000 | $750,000 |
| American Indian or Alaskan Native | 41 | $1,397,000 | $34,000 | $160,000 | $63,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $433,000 | $48,000 | $140,000 | $87,000 | $223,000 |
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) | 16,429 | $1,856,780,000 | $113,000 | $48,000,000 | $33,000 | $2,450,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,555,000 | $118,000 | $231,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 4 | $710,000 | $177,000 | $250,000 | $6,000 | $26,000 |
| 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 | 7,346 | $1,446,690,000 | $196,000 | $12,500,000 | $0 | $0 |
| Application Denied By Financial Institution | 4,470 | $158,233,000 | $35,000 | $800,000 | $52,000 | $720,000 |
| Loan Originated | 3,998 | $227,440,000 | $56,000 | $48,000,000 | $66,000 | $1,243,000 |
| Application Approved But Not Accepted | 496 | $21,670,000 | $43,000 | $306,000 | $74,000 | $758,000 |
| Application Withdrawn By Applicant | 98 | $6,151,000 | $62,000 | $435,000 | $99,000 | $2,450,000 |
| File Closed For Incompleteness | 55 | $861,000 | $15,000 | $57,000 | $70,000 | $264,000 |
| 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 2006 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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