M&T Bank Mortgage Lending & HMDA Data, 2007
In 2007, M&T Bank of Buffalo, NY reported 52,781 mortgage applications totaling $9.5 billion, up 221% from 2006. The average application was for $180,243, and applicants reported an average income of $74,587. 59% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Buffalo-Niagara Falls, NY (2,732), Portland-Vancouver-Beaverton, OR-WA (2,472) and Chicago-Naperville-Joliet, IL (1,934) (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 | 52,781 |
| Total Mortgage Loan Application Amount | $9,513,425,000 |
| Average Mortgage Loan Application Amount | $180,243 |
| Highest Mortgage Loan Application Amount | $89,850,000 |
| Average Applicant Income | $74,587 |
| Highest Applicant Income | $6,781,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,732 | $ 239,854,000 | $ 87,794 | $ 55,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2,472 | $ 602,777,000 | $ 243,841 | $ 94,071 |
| Chicago-Naperville-Joliet, IL | 1,934 | $ 436,390,000 | $ 225,641 | $ 74,000 |
| Baltimore-Towson, MD | 1,872 | $ 288,674,000 | $ 154,206 | $ 60,000 |
| Rochester, NY | 1,584 | $ 184,477,000 | $ 116,462 | $ 62,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,225 | $ 297,691,000 | $ 243,013 | $ 110,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,222 | $ 218,128,000 | $ 178,500 | $ 68,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,077 | $ 277,291,000 | $ 257,466 | $ 99,345 |
| Salt Lake City, UT | 1,065 | $ 241,013,000 | $ 226,303 | $ 92,000 |
| Syracuse, NY | 1,040 | $ 92,877,000 | $ 89,304 | $ 60,000 |
| Seattle-Bellevue-Everett, WA | 1,027 | $ 304,125,000 | $ 296,129 | $ 113,000 |
| Albany-Schenectady-Troy, NY | 947 | $ 162,722,000 | $ 171,828 | $ 72,000 |
| Scranton--Wilkes-Barre, PA | 899 | $ 88,171,000 | $ 98,076 | $ 64,000 |
| York-Hanover, PA | 814 | $ 88,144,000 | $ 108,285 | $ 68,000 |
| Los Angeles-Long Beach-Glendale, CA | 793 | $ 265,704,000 | $ 335,061 | $ 129,000 |
| New York-White Plains-Wayne, NY-NJ | 786 | $ 458,063,000 | $ 582,777 | $ 114,959 |
| Harrisburg-Carlisle, PA | 682 | $ 69,699,000 | $ 102,197 | $ 63,000 |
| Denver-Aurora, CO | 660 | $ 162,845,000 | $ 246,734 | $ 95,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 642 | $ 115,345,000 | $ 179,665 | $ 89,000 |
| Philadelphia, PA | 617 | $ 96,166,000 | $ 155,860 | $ 71,000 |
| Houston-Sugar Land-Baytown, TX | 474 | $ 80,535,000 | $ 169,905 | $ 81,000 |
| Ogden-Clearfield, UT | 465 | $ 97,287,000 | $ 209,219 | $ 83,000 |
| Binghamton, NY | 453 | $ 43,329,000 | $ 95,649 | $ 61,000 |
| Provo-Orem, UT | 438 | $ 97,408,000 | $ 222,392 | $ 89,000 |
| Las Vegas-Paradise, NV | 427 | $ 107,058,000 | $ 250,721 | $ 99,000 |
| Riverside-San Bernardino-Ontario, CA | 400 | $ 123,116,000 | $ 307,790 | $ 130,000 |
| Bethesda-Gaithersburg-Frederick, MD | 392 | $ 95,682,000 | $ 244,086 | $ 102,000 |
| Columbus, OH | 381 | $ 73,579,000 | $ 193,120 | $ 54,000 |
| Boise City-Nampa, ID | 356 | $ 73,721,000 | $ 207,081 | $ 85,000 |
| Montgomery, AL | 341 | $ 50,753,000 | $ 148,835 | $ 68,000 |
| Florence-Muscle Shoals, AL | 331 | $ 35,753,000 | $ 108,015 | $ 48,000 |
| Reading, PA | 327 | $ 28,772,000 | $ 87,987 | $ 57,000 |
| Altoona, PA | 323 | $ 33,813,000 | $ 104,684 | $ 54,000 |
| Memphis, TN-MS-AR | 321 | $ 39,755,000 | $ 123,847 | $ 54,959 |
| Salem, OR | 296 | $ 57,679,000 | $ 194,861 | $ 71,000 |
| Nassau-Suffolk, NY | 293 | $ 81,716,000 | $ 278,894 | $ 144,000 |
| Cumberland, MD-WV | 281 | $ 24,006,000 | $ 85,430 | $ 48,587 |
| Cincinnati-Middletown, OH-KY-IN | 276 | $ 36,257,000 | $ 131,365 | $ 48,554 |
| Hagerstown-Martinsburg, MD-WV | 263 | $ 34,354,000 | $ 130,623 | $ 71,798 |
| Allentown-Bethlehem-Easton, PA-NJ | 259 | $ 32,303,000 | $ 124,722 | $ 66,656 |
| Tacoma, WA | 254 | $ 63,483,000 | $ 249,933 | $ 92,000 |
| Santa Ana-Anaheim-Irvine, CA | 236 | $ 87,324,000 | $ 370,016 | $ 133,000 |
| New Orleans-Metairie-Kenner, LA | 233 | $ 36,042,000 | $ 154,686 | $ 64,000 |
| Utica-Rome, NY | 233 | $ 23,163,000 | $ 99,412 | $ 61,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 229 | $ 50,953,000 | $ 222,502 | $ 81,388 |
| Tucson, AZ | 225 | $ 42,265,000 | $ 187,844 | $ 85,000 |
| Williamsport, PA | 220 | $ 17,353,000 | $ 78,877 | $ 56,000 |
| Lancaster, PA | 208 | $ 25,587,000 | $ 123,014 | $ 69,000 |
| Warren-Troy-Farmington Hills, MI | 206 | $ 29,221,000 | $ 141,849 | $ 70,000 |
| Birmingham-Hoover, AL | 196 | $ 28,733,000 | $ 146,596 | $ 60,000 |
| Kingston, NY | 194 | $ 30,934,000 | $ 159,453 | $ 78,000 |
| State College, PA | 188 | $ 18,039,000 | $ 95,952 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 187 | $ 36,169,000 | $ 193,417 | $ 15,871 |
| Huntsville, AL | 184 | $ 24,024,000 | $ 130,565 | $ 56,000 |
| Dayton, OH | 182 | $ 19,148,000 | $ 105,208 | $ 45,000 |
| Newark-Union, NJ-PA | 182 | $ 45,116,000 | $ 247,890 | $ 76,741 |
| Atlantic City, NJ | 181 | $ 40,925,000 | $ 226,104 | $ 28,000 |
| Baton Rouge, LA | 175 | $ 27,951,000 | $ 159,720 | $ 77,000 |
| Pittsburgh, PA | 173 | $ 21,421,000 | $ 123,820 | $ 40,000 |
| Longview, WA | 172 | $ 30,609,000 | $ 177,959 | $ 65,000 |
| Orlando-Kissimmee, FL | 164 | $ 39,528,000 | $ 241,024 | $ 70,000 |
| Tampa-St. Petersburg-Clearwater, FL | 155 | $ 28,580,000 | $ 184,387 | $ 97,000 |
| Bend, OR | 150 | $ 40,090,000 | $ 267,266 | $ 135,000 |
| Indianapolis-Carmel, IN | 145 | $ 21,230,000 | $ 146,413 | $ 58,000 |
| Chattanooga, TN-GA | 130 | $ 15,217,000 | $ 117,053 | $ 55,392 |
| Lake County-Kenosha County, IL-WI | 127 | $ 27,530,000 | $ 216,771 | $ 80,448 |
| Prescott, AZ | 127 | $ 29,217,000 | $ 230,055 | $ 86,000 |
| Camden, NJ | 121 | $ 23,524,000 | $ 194,413 | $ 62,000 |
| Glens Falls, NY | 116 | $ 20,387,000 | $ 175,750 | $ 81,000 |
| Las Cruces, NM | 115 | $ 20,987,000 | $ 182,495 | $ 73,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 115 | $ 25,286,000 | $ 219,878 | $ 51,000 |
| Shreveport-Bossier City, LA | 114 | $ 14,521,000 | $ 127,377 | $ 58,000 |
| Pensacola-Ferry Pass-Brent, FL | 110 | $ 23,945,000 | $ 217,681 | $ 96,000 |
| Colorado Springs, CO | 108 | $ 24,096,000 | $ 223,111 | $ 37,000 |
| Detroit-Livonia-Dearborn, MI | 107 | $ 12,527,000 | $ 117,074 | $ 55,000 |
| Edison, NJ | 107 | $ 40,270,000 | $ 376,355 | $ 150,000 |
| Eugene-Springfield, OR | 106 | $ 22,037,000 | $ 207,896 | $ 71,000 |
| Richmond, VA | 106 | $ 20,195,000 | $ 190,518 | $ 28,000 |
| Cleveland-Elyria-Mentor, OH | 100 | $ 13,822,000 | $ 138,220 | $ 43,000 |
| Wilmington, DE-MD-NJ | 100 | $ 16,791,000 | $ 167,910 | $ 54,400 |
| Charlotte-Gastonia-Concord, NC-SC | 99 | $ 18,618,000 | $ 188,060 | $ 48,363 |
| San Antonio, TX | 99 | $ 15,317,000 | $ 154,717 | $ 72,000 |
| Kennewick-Richland-Pasco, WA | 98 | $ 13,543,000 | $ 138,193 | $ 57,000 |
| Lebanon, PA | 97 | $ 8,519,000 | $ 87,824 | $ 53,000 |
| Decatur, AL | 95 | $ 9,481,000 | $ 99,800 | $ 51,000 |
| Jackson, MS | 94 | $ 13,081,000 | $ 139,159 | $ 51,000 |
| Youngstown-Warren-Boardman, OH-PA | 91 | $ 7,891,000 | $ 86,714 | $ 12,340 |
| Kansas City, MO-KS | 90 | $ 14,080,000 | $ 156,444 | $ 32,888 |
| Salisbury, MD | 90 | $ 11,873,000 | $ 131,922 | $ 63,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 88 | $ 20,904,000 | $ 237,545 | $ 57,000 |
| Mobile, AL | 88 | $ 11,165,000 | $ 126,875 | $ 54,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 87 | $ 21,079,000 | $ 242,287 | $ 94,000 |
| Knoxville, TN | 86 | $ 11,372,000 | $ 132,232 | $ 57,000 |
| Louisville-Jefferson County, KY-IN | 84 | $ 15,021,000 | $ 178,821 | $ 99,952 |
| Medford, OR | 82 | $ 18,785,000 | $ 229,085 | $ 76,000 |
| Columbia, SC | 79 | $ 10,893,000 | $ 137,886 | $ 54,000 |
| Logan, UT-ID | 76 | $ 14,575,000 | $ 191,776 | $ 66,539 |
| Hartford-West Hartford-East Hartford, CT | 75 | $ 16,783,000 | $ 223,773 | $ 75,000 |
| St. Louis, MO-IL | 75 | $ 9,985,000 | $ 133,133 | $ 47,600 |
| Jacksonville, FL | 73 | $ 14,957,000 | $ 204,890 | $ 80,000 |
| Fort Walton Beach-Crestview-Destin, FL | 71 | $ 13,136,000 | $ 185,014 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 70 | $ 19,097,000 | $ 272,814 | $ 115,000 |
| Portland-South Portland-Biddeford, ME | 68 | $ 15,343,000 | $ 225,632 | $ 85,000 |
| Akron, OH | 67 | $ 7,884,000 | $ 117,671 | $ 39,000 |
| Bellingham, WA | 67 | $ 14,858,000 | $ 221,761 | $ 95,000 |
| Yakima, WA | 67 | $ 9,466,000 | $ 141,283 | $ 55,000 |
| New Haven-Milford, CT | 66 | $ 16,218,000 | $ 245,727 | $ 84,000 |
| Rockingham County-Strafford County, NH | 64 | $ 16,267,000 | $ 254,171 | $ 98,000 |
| Elmira, NY | 63 | $ 4,129,000 | $ 65,539 | $ 53,000 |
| Dallas-Plano-Irving, TX | 61 | $ 10,547,000 | $ 172,901 | $ 52,000 |
| Ithaca, NY | 61 | $ 6,528,000 | $ 107,016 | $ 73,000 |
| Bridgeport-Stamford-Norwalk, CT | 60 | $ 20,768,000 | $ 346,133 | $ 78,000 |
| Boston-Quincy, MA | 59 | $ 21,050,000 | $ 356,779 | $ 98,000 |
| Spokane, WA | 57 | $ 9,383,000 | $ 164,614 | $ 72,000 |
| Vineland-Millville-Bridgeton, NJ | 57 | $ 8,761,000 | $ 153,701 | $ 10,000 |
| McAllen-Edinburg-Mission, TX | 55 | $ 7,116,000 | $ 129,381 | $ 27,000 |
| Bremerton-Silverdale, WA | 54 | $ 12,788,000 | $ 236,814 | $ 92,000 |
| Olympia, WA | 53 | $ 13,389,000 | $ 252,622 | $ 76,000 |
| Yuma, AZ | 53 | $ 11,023,000 | $ 207,981 | $ 93,000 |
| San Diego-Carlsbad-San Marcos, CA | 52 | $ 19,880,000 | $ 382,307 | $ 150,000 |
| Evansville, IN-KY | 50 | $ 4,862,000 | $ 97,240 | $ 46,920 |
| Kingsport-Bristol-Bristol, TN-VA | 50 | $ 5,436,000 | $ 108,720 | $ 45,600 |
| Tallahassee, FL | 50 | $ 9,802,000 | $ 196,040 | $ 65,000 |
| Raleigh-Cary, NC | 49 | $ 8,993,000 | $ 183,530 | $ 44,000 |
| Bakersfield, CA | 47 | $ 9,436,000 | $ 200,765 | $ 90,000 |
| Fayetteville, NC | 47 | $ 6,381,000 | $ 135,765 | $ 18,000 |
| Greensboro-High Point, NC | 47 | $ 6,850,000 | $ 145,744 | $ 46,000 |
| Fort Worth-Arlington, TX | 45 | $ 5,992,000 | $ 133,155 | $ 31,000 |
| Jackson, TN | 44 | $ 3,851,000 | $ 87,522 | $ 39,000 |
| Providence-New Bedford-Fall River, RI-MA | 44 | $ 10,406,000 | $ 236,500 | $ 56,227 |
| Greeley, CO | 43 | $ 10,128,000 | $ 235,534 | $ 80,000 |
| Cambridge-Newton-Framingham, MA | 42 | $ 13,544,000 | $ 322,476 | $ 79,000 |
| Lake Charles, LA | 41 | $ 6,181,000 | $ 150,756 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 41 | $ 9,775,000 | $ 238,414 | $ 82,000 |
| Peabody, MA | 41 | $ 12,238,000 | $ 298,487 | $ 74,000 |
| Durham, NC | 40 | $ 6,541,000 | $ 163,525 | $ 55,000 |
| Flint, MI | 40 | $ 5,603,000 | $ 140,075 | $ 64,000 |
| Oklahoma City, OK | 40 | $ 6,357,000 | $ 158,925 | $ 27,000 |
| Johnson City, TN | 39 | $ 4,788,000 | $ 122,769 | $ 53,000 |
| Springfield, MA | 39 | $ 8,041,000 | $ 206,179 | $ 73,000 |
| St. George, UT | 39 | $ 9,373,000 | $ 240,333 | $ 107,000 |
| Augusta-Richmond County, GA-SC | 38 | $ 5,599,000 | $ 147,342 | $ 25,894 |
| Saginaw-Saginaw Township North, MI | 38 | $ 4,043,000 | $ 106,394 | $ 45,000 |
| Winston-Salem, NC | 38 | $ 4,455,000 | $ 117,236 | $ 56,000 |
| Asheville, NC | 37 | $ 8,632,000 | $ 233,297 | $ 68,000 |
| Davenport-Moline-Rock Island, IA-IL | 36 | $ 4,240,000 | $ 117,777 | $ 50,500 |
| Deltona-Daytona Beach-Ormond Beach, FL | 35 | $ 5,551,000 | $ 158,600 | $ 54,000 |
| Greenville-Mauldin-Easley, SC | 35 | $ 4,775,000 | $ 136,428 | $ 41,000 |
| Lakeland, FL | 35 | $ 6,784,000 | $ 193,828 | $ 61,000 |
| Ocean City, NJ | 35 | $ 10,136,000 | $ 289,600 | $ 103,000 |
| Port St. Lucie, FL | 35 | $ 7,723,000 | $ 220,657 | $ 40,000 |
| Boulder, CO | 34 | $ 10,622,000 | $ 312,411 | $ 153,000 |
| Gary, IN | 34 | $ 5,037,000 | $ 148,147 | $ 71,000 |
| Albuquerque, NM | 33 | $ 7,194,000 | $ 218,000 | $ 76,000 |
| Mount Vernon-Anacortes, WA | 33 | $ 7,496,000 | $ 227,151 | $ 76,000 |
| Palm Bay-Melbourne-Titusville, FL | 33 | $ 6,944,000 | $ 210,424 | $ 91,000 |
| Sarasota-Bradenton-Venice, FL | 33 | $ 8,793,000 | $ 266,454 | $ 97,000 |
| Wenatchee, WA | 33 | $ 7,542,000 | $ 228,545 | $ 108,000 |
| Johnstown, PA | 32 | $ 2,379,000 | $ 74,343 | $ 50,000 |
| Rockford, IL | 32 | $ 4,943,000 | $ 154,468 | $ 58,000 |
| Springfield, OH | 32 | $ 3,553,000 | $ 111,031 | $ 53,000 |
| Tuscaloosa, AL | 31 | $ 4,894,000 | $ 157,870 | $ 68,000 |
| Lafayette, LA | 30 | $ 5,395,000 | $ 179,833 | $ 78,000 |
| Savannah, GA | 29 | $ 4,986,000 | $ 171,931 | $ 13,000 |
| Worcester, MA | 29 | $ 9,206,000 | $ 317,448 | $ 101,000 |
| Bangor, ME | 28 | $ 5,880,000 | $ 210,000 | $ 73,000 |
| Roanoke, VA | 28 | $ 4,147,000 | $ 148,107 | $ 39,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 28 | $ 7,848,000 | $ 280,285 | $ 115,000 |
| Fort Collins-Loveland, CO | 27 | $ 7,417,000 | $ 274,703 | $ 103,000 |
| Idaho Falls, ID | 27 | $ 5,278,000 | $ 195,481 | $ 70,000 |
| Canton-Massillon, OH | 26 | $ 4,210,000 | $ 161,923 | $ 59,000 |
| Danville, VA | 26 | $ 3,311,000 | $ 127,346 | $ 51,000 |
| Pueblo, CO | 26 | $ 4,027,000 | $ 154,884 | $ 51,000 |
| Grand Rapids-Wyoming, MI | 25 | $ 3,713,000 | $ 148,520 | $ 70,000 |
| Manchester-Nashua, NH | 25 | $ 6,047,000 | $ 241,880 | $ 86,000 |
| Naples-Marco Island, FL | 25 | $ 9,045,000 | $ 361,800 | $ 172,000 |
| Gainesville, GA | 23 | $ 3,732,000 | $ 162,260 | $ 47,000 |
| Morgantown, WV | 23 | $ 1,782,000 | $ 77,478 | $ 72,000 |
| Bay City, MI | 22 | $ 1,952,000 | $ 88,727 | $ 45,000 |
| Burlington-South Burlington, VT | 22 | $ 5,699,000 | $ 259,045 | $ 67,000 |
| Charleston-North Charleston, SC | 22 | $ 6,940,000 | $ 315,454 | $ 115,000 |
| Corvallis, OR | 22 | $ 5,025,000 | $ 228,409 | $ 117,000 |
| Duluth, MN-WI | 22 | $ 4,268,000 | $ 194,000 | $ 73,181 |
| Anniston-Oxford, AL | 21 | $ 1,992,000 | $ 94,857 | $ 51,000 |
| Clarksville, TN-KY | 21 | $ 2,869,000 | $ 136,619 | $ 24,761 |
| Dover, DE | 21 | $ 5,127,000 | $ 244,142 | $ 57,000 |
| Gainesville, FL | 21 | $ 3,900,000 | $ 185,714 | $ 94,000 |
| Wichita Falls, TX | 21 | $ 1,991,000 | $ 94,809 | $ 3,000 |
| Winchester, VA-WV | 21 | $ 3,678,000 | $ 175,142 | $ 64,523 |
| Fort Wayne, IN | 20 | $ 2,346,000 | $ 117,300 | $ 42,000 |
| Ann Arbor, MI | 19 | $ 3,644,000 | $ 191,789 | $ 79,000 |
| St. Cloud, MN | 19 | $ 2,946,000 | $ 155,052 | $ 87,000 |
| Wilmington, NC | 19 | $ 4,148,000 | $ 218,315 | $ 76,000 |
| Anchorage, AK | 18 | $ 3,679,000 | $ 204,388 | $ 60,000 |
| Farmington, NM | 18 | $ 2,774,000 | $ 154,111 | $ 66,000 |
| Oakland-Fremont-Hayward, CA | 18 | $ 7,367,000 | $ 409,277 | $ 100,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 18 | $ 6,328,000 | $ 351,555 | $ 157,000 |
| Rochester, MN | 18 | $ 3,297,000 | $ 183,166 | $ 72,000 |
| Hattiesburg, MS | 17 | $ 2,364,000 | $ 139,058 | $ 53,000 |
| Morristown, TN | 17 | $ 3,193,000 | $ 187,823 | $ 74,000 |
| Norwich-New London, CT | 17 | $ 3,999,000 | $ 235,235 | $ 54,000 |
| Austin-Round Rock, TX | 16 | $ 4,691,000 | $ 293,187 | $ 129,000 |
| Lake Havasu City-Kingman, AZ | 16 | $ 3,704,000 | $ 231,500 | $ 132,000 |
| Lynchburg, VA | 16 | $ 4,289,000 | $ 268,062 | $ 114,000 |
| Trenton-Ewing, NJ | 16 | $ 3,107,000 | $ 194,187 | $ 73,000 |
| Gulfport-Biloxi, MS | 15 | $ 2,925,000 | $ 195,000 | $ 92,000 |
| Reno-Sparks, NV | 15 | $ 5,042,000 | $ 336,133 | $ 89,000 |
| Cleveland, TN | 14 | $ 2,349,000 | $ 167,785 | $ 58,000 |
| Hickory-Lenoir-Morganton, NC | 14 | $ 1,703,000 | $ 121,642 | $ 46,000 |
| Mansfield, OH | 14 | $ 1,811,000 | $ 129,357 | $ 42,000 |
| Punta Gorda, FL | 14 | $ 2,174,000 | $ 155,285 | $ 92,000 |
| Anderson, IN | 13 | $ 1,099,000 | $ 84,538 | $ 38,000 |
| Beaumont-Port Arthur, TX | 13 | $ 1,158,000 | $ 89,076 | $ 110,000 |
| Charlottesville, VA | 13 | $ 2,809,000 | $ 216,076 | $ 81,000 |
| Harrisonburg, VA | 13 | $ 3,203,000 | $ 246,384 | $ 64,000 |
| Kalamazoo-Portage, MI | 13 | $ 1,794,000 | $ 138,000 | $ 39,000 |
| Lansing-East Lansing, MI | 13 | $ 2,522,000 | $ 194,000 | $ 40,000 |
| Anderson, SC | 12 | $ 1,982,000 | $ 165,166 | $ 59,000 |
| Brownsville-Harlingen, TX | 12 | $ 1,390,000 | $ 115,833 | $ 11,000 |
| Fresno, CA | 12 | $ 2,530,000 | $ 210,833 | $ 89,000 |
| Jacksonville, NC | 12 | $ 2,043,000 | $ 170,250 | $ 23,000 |
| Toledo, OH | 12 | $ 1,472,000 | $ 122,666 | $ 49,000 |
| Burlington, NC | 11 | $ 1,950,000 | $ 177,272 | $ 46,000 |
| Lafayette, IN | 11 | $ 1,015,000 | $ 92,272 | $ 32,000 |
| Little Rock-North Little Rock-Conway, AR | 11 | $ 2,434,000 | $ 221,272 | $ 129,000 |
| Ocala, FL | 11 | $ 2,473,000 | $ 224,818 | $ 74,000 |
| Tulsa, OK | 11 | $ 1,906,000 | $ 173,272 | $ 61,000 |
| Albany, GA | 10 | $ 1,246,000 | $ 124,600 | $ 59,000 |
| Columbus, GA-AL | 10 | $ 1,584,000 | $ 158,400 | $ 90,200 |
| Corpus Christi, TX | 10 | $ 2,153,000 | $ 215,300 | $ 92,000 |
| Des Moines-West Des Moines, IA | 10 | $ 1,947,000 | $ 194,700 | $ 112,000 |
| Flagstaff, AZ | 10 | $ 2,985,000 | $ 298,500 | $ 167,000 |
| Lexington-Fayette, KY | 10 | $ 1,248,000 | $ 124,800 | $ 31,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 2,370,000 | $ 237,000 | $ 72,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 1,246,000 | $ 124,600 | $ 44,000 |
| Wichita, KS | 10 | $ 2,180,000 | $ 218,000 | $ 81,000 |
| Battle Creek, MI | 9 | $ 616,000 | $ 68,444 | $ 124,000 |
| Fargo, ND-MN | 9 | $ 1,074,000 | $ 119,333 | $ 100,111 |
| Lewiston-Auburn, ME | 9 | $ 1,760,000 | $ 195,555 | $ 51,000 |
| Pascagoula, MS | 9 | $ 1,253,000 | $ 139,222 | $ 54,000 |
| Redding, CA | 9 | $ 2,131,000 | $ 236,777 | $ 82,000 |
| Spartanburg, SC | 9 | $ 1,293,000 | $ 143,666 | $ 56,000 |
| Stockton, CA | 9 | $ 1,658,000 | $ 184,222 | $ 57,000 |
| Barnstable Town, MA | 8 | $ 2,984,000 | $ 373,000 | $ 97,000 |
| Brunswick, GA | 8 | $ 1,477,000 | $ 184,625 | $ 56,000 |
| Gadsden, AL | 8 | $ 964,000 | $ 120,500 | $ 49,000 |
| Goldsboro, NC | 8 | $ 1,040,000 | $ 130,000 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 8 | $ 1,152,000 | $ 144,000 | $ 132,000 |
| Lima, OH | 8 | $ 856,000 | $ 107,000 | $ 12,000 |
| Macon, GA | 8 | $ 1,664,000 | $ 208,000 | $ 80,000 |
| Madison, WI | 8 | $ 1,054,000 | $ 131,750 | $ 129,000 |
| Pocatello, ID | 8 | $ 1,167,000 | $ 145,875 | $ 82,000 |
| Rocky Mount, NC | 8 | $ 1,092,000 | $ 136,500 | $ 49,000 |
| Sebastian-Vero Beach, FL | 8 | $ 1,510,000 | $ 188,750 | $ 127,000 |
| Tyler, TX | 8 | $ 1,166,000 | $ 145,750 | $ 30,000 |
| Vallejo-Fairfield, CA | 8 | $ 2,759,000 | $ 344,875 | $ 87,000 |
| Athens-Clarke County, GA | 7 | $ 1,033,000 | $ 147,571 | $ 42,000 |
| Auburn-Opelika, AL | 7 | $ 1,167,000 | $ 166,714 | $ 56,000 |
| Elizabethtown, KY | 7 | $ 954,000 | $ 136,285 | $ 41,000 |
| Erie, PA | 7 | $ 603,000 | $ 86,142 | $ 32,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 1,362,000 | $ 194,571 | $ 82,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 7 | $ 1,656,000 | $ 236,571 | $ 115,000 |
| San Francisco-San Mateo-Redwood City, CA | 7 | $ 2,751,000 | $ 393,000 | $ 412,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 2,603,000 | $ 371,857 | $ 77,000 |
| Santa Fe, NM | 7 | $ 3,286,000 | $ 469,428 | $ 121,000 |
| Wheeling, WV-OH | 7 | $ 1,057,000 | $ 151,000 | $ 59,714 |
| Alexandria, LA | 6 | $ 1,098,000 | $ 183,000 | $ 120,000 |
| Bloomington, IN | 6 | $ 1,068,000 | $ 178,000 | $ 110,000 |
| Chico, CA | 6 | $ 1,098,000 | $ 183,000 | $ 61,000 |
| Grand Junction, CO | 6 | $ 1,261,000 | $ 210,166 | $ 50,000 |
| Joplin, MO | 6 | $ 690,000 | $ 115,000 | $ 25,000 |
| Kankakee-Bradley, IL | 6 | $ 682,000 | $ 113,666 | $ 49,000 |
| Niles-Benton Harbor, MI | 6 | $ 1,004,000 | $ 167,333 | $ 85,000 |
| Sumter, SC | 6 | $ 685,000 | $ 114,166 | $ 49,000 |
| Visalia-Porterville, CA | 6 | $ 1,683,000 | $ 280,500 | $ 87,000 |
| El Centro, CA | 5 | $ 1,002,000 | $ 200,400 | $ 82,000 |
| Holland-Grand Haven, MI | 5 | $ 709,000 | $ 141,800 | $ 38,000 |
| Hot Springs, AR | 5 | $ 913,000 | $ 182,600 | $ 65,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 526,000 | $ 105,200 | $ 93,000 |
| Jackson, MI | 5 | $ 645,000 | $ 129,000 | $ 58,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 5 | $ 788,000 | $ 157,600 | $ 76,600 |
| Pittsfield, MA | 5 | $ 857,000 | $ 171,400 | $ 49,000 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 1,846,000 | $ 369,200 | $ 72,000 |
| Valdosta, GA | 5 | $ 542,000 | $ 108,400 | $ 84,000 |
| Weirton-Steubenville, WV-OH | 5 | $ 456,000 | $ 91,200 | $ 7,600 |
| Carson City, NV | 4 | $ 943,000 | $ 235,750 | $ 97,000 |
| Casper, WY | 4 | $ 889,000 | $ 222,250 | $ 74,000 |
| Cedar Rapids, IA | 4 | $ 483,000 | $ 120,750 | $ 23,000 |
| Charleston, WV | 4 | $ 665,000 | $ 166,250 | $ 37,000 |
| Dalton, GA | 4 | $ 530,000 | $ 132,500 | $ 24,000 |
| Elkhart-Goshen, IN | 4 | $ 602,000 | $ 150,500 | $ 45,000 |
| Grand Forks, ND-MN | 4 | $ 521,000 | $ 130,250 | $ 53,250 |
| Greenville, NC | 4 | $ 467,000 | $ 116,750 | $ 75,000 |
| Janesville, WI | 4 | $ 300,000 | $ 75,000 | $ 45,000 |
| Laredo, TX | 4 | $ 444,000 | $ 111,000 | $ 52,000 |
| Madera, CA | 4 | $ 555,000 | $ 138,750 | $ 20,000 |
| Merced, CA | 4 | $ 861,000 | $ 215,250 | $ 29,000 |
| Michigan City-La Porte, IN | 4 | $ 766,000 | $ 191,500 | $ 35,000 |
| Modesto, CA | 4 | $ 1,134,000 | $ 283,500 | $ 95,000 |
| Monroe, LA | 4 | $ 550,000 | $ 137,500 | $ 74,000 |
| Muskegon-Norton Shores, MI | 4 | $ 527,000 | $ 131,750 | $ 29,000 |
| Panama City-Lynn Haven, FL | 4 | $ 870,000 | $ 217,500 | $ 109,000 |
| Peoria, IL | 4 | $ 390,000 | $ 97,500 | $ 87,000 |
| Springfield, MO | 4 | $ 560,000 | $ 140,000 | $ 29,000 |
| Columbus, IN | 3 | $ 403,000 | $ 134,333 | $ 28,000 |
| Dothan, AL | 3 | $ 351,000 | $ 117,000 | $ 38,000 |
| Florence, SC | 3 | $ 352,000 | $ 117,333 | $ 46,000 |
| Hinesville-Fort Stewart, GA | 3 | $ 390,000 | $ 130,000 | $ 62,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 729,000 | $ 243,000 | $ 90,000 |
| Lewiston, ID-WA | 3 | $ 422,000 | $ 140,666 | $ 76,666 |
| Midland, TX | 3 | $ 551,000 | $ 183,666 | $ 73,000 |
| Monroe, MI | 3 | $ 541,000 | $ 180,333 | $ 63,000 |
| Muncie, IN | 3 | $ 587,000 | $ 195,666 | $ 79,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 1,432,000 | $ 477,333 | $ 149,000 |
| Rome, GA | 3 | $ 239,000 | $ 79,666 | $ 10,000 |
| Sandusky, OH | 3 | $ 650,000 | $ 216,666 | $ 137,000 |
| Terre Haute, IN | 3 | $ 348,000 | $ 116,000 | $ 54,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 313,000 | $ 156,500 | $ 0 |
| Champaign-Urbana, IL | 2 | $ 617,000 | $ 308,500 | $ 108,000 |
| Coeur D'Alene, ID | 2 | $ 430,000 | $ 215,000 | $ 78,000 |
| Decatur, IL | 2 | $ 183,000 | $ 91,500 | $ 22,000 |
| El Paso, TX | 2 | $ 622,000 | $ 311,000 | $ 79,000 |
| Fairbanks, AK | 2 | $ 337,000 | $ 168,500 | $ 91,000 |
| Fort Smith, AR-OK | 2 | $ 289,000 | $ 144,500 | $ 47,000 |
| Hanford-Corcoran, CA | 2 | $ 490,000 | $ 245,000 | $ 118,000 |
| Honolulu, HI | 2 | $ 308,000 | $ 154,000 | $ 123,000 |
| Iowa City, IA | 2 | $ 367,000 | $ 183,500 | $ 60,000 |
| Jefferson City, MO | 2 | $ 582,000 | $ 291,000 | $ 40,000 |
| Lawrence, KS | 2 | $ 258,000 | $ 129,000 | $ 0 |
| Lincoln, NE | 2 | $ 250,000 | $ 125,000 | $ 53,000 |
| Longview, TX | 2 | $ 698,000 | $ 349,000 | $ 120,000 |
| Missoula, MT | 2 | $ 1,170,000 | $ 585,000 | $ 198,000 |
| Owensboro, KY | 2 | $ 202,000 | $ 101,000 | $ 57,000 |
| Salinas, CA | 2 | $ 500,000 | $ 250,000 | $ 43,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,125,000 | $ 562,500 | $ 138,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 652,000 | $ 326,000 | $ 44,000 |
| Sherman-Denison, TX | 2 | $ 402,000 | $ 201,000 | $ 75,000 |
| Sioux Falls, SD | 2 | $ 418,000 | $ 209,000 | $ 54,000 |
| Springfield, IL | 2 | $ 360,000 | $ 180,000 | $ 33,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 471,000 | $ 235,500 | $ 80,000 |
| Topeka, KS | 2 | $ 296,000 | $ 148,000 | $ 37,000 |
| Victoria, TX | 2 | $ 404,000 | $ 202,000 | $ 69,000 |
| Warner Robins, GA | 2 | $ 109,000 | $ 54,500 | $ 98,000 |
| Billings, MT | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Bloomington-Normal, IL | 1 | $ 172,000 | $ 172,000 | $ 169,000 |
| Bowling Green, KY | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Cheyenne, WY | 1 | $ 189,000 | $ 189,000 | $ 60,000 |
| Columbia, MO | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Danville, IL | 1 | $ 86,000 | $ 86,000 | $ 41,000 |
| Fond Du Lac, WI | 1 | $ 262,000 | $ 262,000 | $ 75,000 |
| Great Falls, MT | 1 | $ 176,000 | $ 176,000 | $ 56,000 |
| Kokomo, IN | 1 | $ 266,000 | $ 266,000 | $ 88,000 |
| La Crosse, WI-MN | 1 | $ 176,000 | $ 176,000 | $ 45,000 |
| Lubbock, TX | 1 | $ 250,000 | $ 250,000 | $ 55,000 |
| Palm Coast, FL | 1 | $ 169,000 | $ 169,000 | $ 239,000 |
| Pine Bluff, AR | 1 | $ 208,000 | $ 208,000 | $ 78,000 |
| Racine, WI | 1 | $ 260,000 | $ 260,000 | $ 70,000 |
| Rapid City, SD | 1 | $ 230,000 | $ 230,000 | $ 132,000 |
| San Angelo, TX | 1 | $ 81,000 | $ 81,000 | $ 62,000 |
| Waco, TX | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Yuba City, CA | 1 | $ 359,000 | $ 359,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2007
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 Purchase | 25,354 | $4,932,640,000 | $194,000 | $89,850,000 | $76,000 | $4,323,000 |
| Refinancing | 22,103 | $4,279,188,000 | $193,000 | $15,000,000 | $76,000 | $2,561,000 |
| Home Improvement | 5,324 | $301,597,000 | $56,000 | $41,500,000 | $62,000 | $6,781,000 |
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 | 35,205 | $6,065,522,000 | $172,000 | $3,375,000 | $81,000 | $4,323,000 |
| Black or African American | 4,315 | $644,561,000 | $149,000 | $1,600,000 | $57,000 | $1,624,000 |
| Not Provided | 4,050 | $713,760,000 | $176,000 | $2,300,000 | $92,000 | $2,100,000 |
| Hispanic | 3,882 | $796,102,000 | $205,000 | $1,280,000 | $73,000 | $1,680,000 |
| Not applicable | 3,712 | $896,800,000 | $241,000 | $89,850,000 | $0 | $240,000 |
| Asian | 1,195 | $319,130,000 | $267,000 | $5,000,000 | $112,000 | $6,781,000 |
| American Indian or Alaskan Native | 296 | $50,426,000 | $170,000 | $1,198,000 | $94,000 | $586,000 |
| Native Hawaiian or Other Pacific Islander | 126 | $27,124,000 | $215,000 | $908,000 | $106,000 | $479,000 |
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) | 44,767 | $8,275,880,000 | $184,000 | $89,850,000 | $83,000 | $6,781,000 |
| FHA-insured (Federal Housing Administration) | 6,835 | $1,011,757,000 | $148,000 | $660,000 | $32,000 | $1,056,000 |
| VA-guaranteed (Veterans Administration) | 1,162 | $224,030,000 | $192,000 | $426,000 | $27,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,758,000 | $103,000 | $304,000 | $12,000 | $65,000 |
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 | 31,190 | $5,766,393,000 | $184,000 | $89,850,000 | $80,000 | $6,781,000 |
| Application Denied By Financial Institution | 9,491 | $1,458,937,000 | $153,000 | $41,500,000 | $75,000 | $1,158,000 |
| Application Approved But Not Accepted | 5,545 | $1,127,032,000 | $203,000 | $3,375,000 | $88,000 | $2,000,000 |
| Loan Purchased By The Institution | 3,612 | $572,094,000 | $158,000 | $1,900,000 | $0 | $0 |
| Application Withdrawn By Applicant | 2,439 | $504,909,000 | $207,000 | $2,300,000 | $89,000 | $2,100,000 |
| Preapproval Denied by Financial Institution | 478 | $83,008,000 | $173,000 | $890,000 | $58,000 | $298,000 |
| File Closed For Incompleteness | 26 | $1,052,000 | $40,000 | $314,000 | $98,000 | $437,000 |
| 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 2007 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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