M&T Bank Mortgage Lending & HMDA Data, 2008
In 2008, M&T Bank of Buffalo, NY reported 42,089 mortgage applications totaling $7.8 billion, down 20% from 2007. The average application was for $185,682, and applicants reported an average income of $78,991. 56% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Portland-Vancouver-Beaverton, OR-WA (2,832), Buffalo-Niagara Falls, NY (2,647) and Baltimore-Towson, MD (1,636) (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 | 42,089 |
| Total Mortgage Loan Application Amount | $7,815,187,000 |
| Average Mortgage Loan Application Amount | $185,682 |
| Highest Mortgage Loan Application Amount | $31,500,000 |
| Average Applicant Income | $78,991 |
| 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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Portland-Vancouver-Beaverton, OR-WA | 2,832 | $ 721,524,000 | $ 254,775 | $ 88,695 |
| Buffalo-Niagara Falls, NY | 2,647 | $ 253,785,000 | $ 95,876 | $ 59,000 |
| Baltimore-Towson, MD | 1,636 | $ 288,874,000 | $ 176,573 | $ 68,000 |
| Rochester, NY | 1,553 | $ 181,047,000 | $ 116,578 | $ 71,000 |
| Salt Lake City, UT | 1,063 | $ 255,940,000 | $ 240,771 | $ 89,000 |
| Syracuse, NY | 1,035 | $ 96,732,000 | $ 93,460 | $ 59,000 |
| New York-White Plains-Wayne, NY-NJ | 1,033 | $ 392,185,000 | $ 379,656 | $ 132,939 |
| Seattle-Bellevue-Everett, WA | 1,024 | $ 326,754,000 | $ 319,095 | $ 108,000 |
| Albany-Schenectady-Troy, NY | 969 | $ 160,332,000 | $ 165,461 | $ 61,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 900 | $ 238,250,000 | $ 264,722 | $ 99,097 |
| York-Hanover, PA | 842 | $ 97,219,000 | $ 115,461 | $ 81,000 |
| Scranton--Wilkes-Barre, PA | 762 | $ 74,843,000 | $ 98,219 | $ 64,000 |
| Harrisburg-Carlisle, PA | 724 | $ 82,115,000 | $ 113,418 | $ 66,000 |
| Chicago-Naperville-Joliet, IL | 668 | $ 153,616,000 | $ 229,964 | $ 84,000 |
| Philadelphia, PA | 657 | $ 108,881,000 | $ 165,724 | $ 79,000 |
| Denver-Aurora, CO | 618 | $ 155,066,000 | $ 250,915 | $ 110,000 |
| Atlanta-Sandy Springs-Marietta, GA | 596 | $ 109,403,000 | $ 183,562 | $ 71,000 |
| Binghamton, NY | 563 | $ 49,000,000 | $ 87,033 | $ 61,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 554 | $ 116,553,000 | $ 210,384 | $ 96,000 |
| Boise City-Nampa, ID | 545 | $ 115,553,000 | $ 212,023 | $ 84,000 |
| Utica-Rome, NY | 520 | $ 45,193,000 | $ 86,909 | $ 56,000 |
| Provo-Orem, UT | 501 | $ 118,674,000 | $ 236,874 | $ 87,000 |
| Ogden-Clearfield, UT | 461 | $ 104,022,000 | $ 225,644 | $ 91,000 |
| Salem, OR | 423 | $ 90,633,000 | $ 214,262 | $ 76,000 |
| Nassau-Suffolk, NY | 416 | $ 161,051,000 | $ 387,141 | $ 99,000 |
| Tacoma, WA | 415 | $ 110,799,000 | $ 266,985 | $ 88,000 |
| Bethesda-Frederick-Gaithersburg, MD | 293 | $ 77,340,000 | $ 263,959 | $ 141,000 |
| Lancaster, PA | 287 | $ 39,188,000 | $ 136,543 | $ 70,000 |
| Altoona, PA | 279 | $ 22,031,000 | $ 78,964 | $ 58,000 |
| Reading, PA | 264 | $ 22,478,000 | $ 85,143 | $ 62,000 |
| Cumberland, MD-WV | 248 | $ 22,100,000 | $ 89,112 | $ 55,443 |
| Cincinnati-Middletown, OH-KY-IN | 230 | $ 33,133,000 | $ 144,056 | $ 50,613 |
| Hagerstown-Martinsburg, MD-WV | 206 | $ 29,444,000 | $ 142,932 | $ 65,310 |
| Newark-Union, NJ-PA | 205 | $ 60,566,000 | $ 295,443 | $ 79,317 |
| Pittsburgh, PA | 194 | $ 26,535,000 | $ 136,778 | $ 73,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 188 | $ 24,149,000 | $ 128,452 | $ 93,404 |
| Atlantic City-Hammonton, NJ | 183 | $ 40,708,000 | $ 222,448 | $ 21,000 |
| Columbus, OH | 181 | $ 32,982,000 | $ 182,220 | $ 63,000 |
| Las Vegas-Paradise, NV | 181 | $ 41,653,000 | $ 230,127 | $ 86,000 |
| Edison-New Brunswick, NJ | 170 | $ 56,549,000 | $ 332,641 | $ 124,000 |
| Eugene-Springfield, OR | 170 | $ 36,186,000 | $ 212,858 | $ 69,000 |
| Williamsport, PA | 169 | $ 17,626,000 | $ 104,295 | $ 59,000 |
| State College, PA | 163 | $ 15,302,000 | $ 93,877 | $ 75,000 |
| Bend, OR | 161 | $ 46,860,000 | $ 291,055 | $ 126,000 |
| Cleveland-Elyria-Mentor, OH | 137 | $ 15,979,000 | $ 116,635 | $ 54,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 137 | $ 34,223,000 | $ 249,802 | $ 107,649 |
| Longview, WA | 135 | $ 27,042,000 | $ 200,311 | $ 68,000 |
| Camden, NJ | 132 | $ 26,641,000 | $ 201,825 | $ 42,000 |
| Florence-Muscle Shoals, AL | 132 | $ 17,965,000 | $ 136,098 | $ 61,000 |
| Riverside-San Bernardino-Ontario, CA | 127 | $ 44,957,000 | $ 353,992 | $ 184,000 |
| Kingston, NY | 126 | $ 21,691,000 | $ 172,150 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 124 | $ 46,496,000 | $ 374,967 | $ 100,000 |
| New Haven-Milford, CT | 123 | $ 26,710,000 | $ 217,154 | $ 80,000 |
| Bridgeport-Stamford-Norwalk, CT | 118 | $ 43,345,000 | $ 367,330 | $ 138,000 |
| Kennewick-Pasco-Richland, WA | 118 | $ 19,240,000 | $ 163,050 | $ 66,000 |
| Boston-Quincy, MA | 114 | $ 32,688,000 | $ 286,736 | $ 95,000 |
| Hartford-West Hartford-East Hartford, CT | 114 | $ 27,426,000 | $ 240,578 | $ 84,000 |
| Wilmington, DE-MD-NJ | 111 | $ 20,176,000 | $ 181,765 | $ 45,459 |
| Providence-New Bedford-Fall River, RI-MA | 109 | $ 22,911,000 | $ 210,192 | $ 76,935 |
| Idaho Falls, ID | 108 | $ 20,723,000 | $ 191,879 | $ 76,000 |
| Montgomery, AL | 107 | $ 17,009,000 | $ 158,962 | $ 61,000 |
| Warren-Troy-Farmington Hills, MI | 104 | $ 17,574,000 | $ 168,980 | $ 53,000 |
| Glens Falls, NY | 97 | $ 18,518,000 | $ 190,907 | $ 118,000 |
| New Orleans-Metairie-Kenner, LA | 96 | $ 15,035,000 | $ 156,614 | $ 77,000 |
| Flint, MI | 94 | $ 9,304,000 | $ 98,978 | $ 11,000 |
| Lebanon, PA | 94 | $ 9,493,000 | $ 100,989 | $ 64,000 |
| Birmingham-Hoover, AL | 93 | $ 14,949,000 | $ 160,741 | $ 60,000 |
| Medford, OR | 93 | $ 22,666,000 | $ 243,720 | $ 83,000 |
| Houston-Sugar Land-Baytown, TX | 92 | $ 20,087,000 | $ 218,336 | $ 128,000 |
| Louisville-Jefferson County, KY-IN | 87 | $ 11,585,000 | $ 133,160 | $ 43,701 |
| Richmond, VA | 86 | $ 18,459,000 | $ 214,639 | $ 49,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 84 | $ 18,001,000 | $ 214,297 | $ 38,261 |
| Dayton, OH | 82 | $ 9,551,000 | $ 116,475 | $ 54,000 |
| Logan, UT-ID | 82 | $ 14,207,000 | $ 173,256 | $ 67,560 |
| Spokane, WA | 82 | $ 16,571,000 | $ 202,085 | $ 101,000 |
| Baton Rouge, LA | 81 | $ 15,244,000 | $ 188,197 | $ 83,000 |
| Detroit-Livonia-Dearborn, MI | 80 | $ 9,456,000 | $ 118,200 | $ 55,000 |
| Memphis, TN-MS-AR | 76 | $ 11,139,000 | $ 146,565 | $ 69,000 |
| Salisbury, MD | 75 | $ 8,900,000 | $ 118,666 | $ 74,000 |
| Yakima, WA | 75 | $ 12,442,000 | $ 165,893 | $ 70,000 |
| Lake County-Kenosha County, IL-WI | 71 | $ 17,905,000 | $ 252,183 | $ 90,690 |
| Tampa-St. Petersburg-Clearwater, FL | 71 | $ 13,368,000 | $ 188,281 | $ 74,000 |
| Bremerton-Silverdale, WA | 70 | $ 18,952,000 | $ 270,742 | $ 96,000 |
| Olympia, WA | 70 | $ 16,295,000 | $ 232,785 | $ 82,000 |
| Portland-South Portland-Biddeford, ME | 70 | $ 15,047,000 | $ 214,957 | $ 85,000 |
| Ithaca, NY | 69 | $ 8,677,000 | $ 125,753 | $ 63,000 |
| Cambridge-Newton-Framingham, MA | 66 | $ 21,686,000 | $ 328,575 | $ 101,000 |
| Rockingham County-Strafford County, NH | 64 | $ 17,706,000 | $ 276,656 | $ 103,000 |
| Springfield, MA | 64 | $ 12,290,000 | $ 192,031 | $ 84,000 |
| Orlando-Kissimmee, FL | 63 | $ 12,917,000 | $ 205,031 | $ 101,000 |
| Peabody, MA | 61 | $ 17,409,000 | $ 285,393 | $ 85,000 |
| Youngstown-Warren-Boardman, OH-PA | 60 | $ 5,614,000 | $ 93,566 | $ 21,500 |
| Pensacola-Ferry Pass-Brent, FL | 59 | $ 13,199,000 | $ 223,711 | $ 109,000 |
| Charlotte-Gastonia-Concord, NC-SC | 57 | $ 10,288,000 | $ 180,491 | $ 50,666 |
| St. Louis, MO-IL | 57 | $ 9,897,000 | $ 173,631 | $ 65,508 |
| Elmira, NY | 56 | $ 4,446,000 | $ 79,392 | $ 41,000 |
| Boulder, CO | 52 | $ 14,302,000 | $ 275,038 | $ 103,000 |
| Indianapolis-Carmel, IN | 52 | $ 8,472,000 | $ 162,923 | $ 54,000 |
| Chattanooga, TN-GA | 51 | $ 6,527,000 | $ 127,980 | $ 53,058 |
| Colorado Springs, CO | 51 | $ 10,692,000 | $ 209,647 | $ 43,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 51 | $ 12,407,000 | $ 243,274 | $ 131,000 |
| Bellingham, WA | 50 | $ 12,130,000 | $ 242,600 | $ 90,000 |
| Akron, OH | 47 | $ 4,618,000 | $ 98,255 | $ 45,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 46 | $ 11,271,000 | $ 245,021 | $ 95,000 |
| Wenatchee, WA | 45 | $ 10,055,000 | $ 223,444 | $ 97,000 |
| Wheeling, WV-OH | 45 | $ 5,068,000 | $ 112,622 | $ 57,111 |
| Raleigh-Cary, NC | 42 | $ 7,595,000 | $ 180,833 | $ 54,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 40 | $ 6,806,000 | $ 170,150 | $ 61,000 |
| Oklahoma City, OK | 40 | $ 6,064,000 | $ 151,600 | $ 4,000 |
| Mobile, AL | 37 | $ 4,919,000 | $ 132,945 | $ 44,000 |
| Vineland-Millville-Bridgeton, NJ | 37 | $ 5,986,000 | $ 161,783 | $ 26,000 |
| Corvallis, OR | 36 | $ 8,342,000 | $ 231,722 | $ 80,000 |
| Miami-Miami Beach-Kendall, FL | 36 | $ 10,713,000 | $ 297,583 | $ 151,000 |
| Worcester, MA | 36 | $ 8,176,000 | $ 227,111 | $ 98,000 |
| Dallas-Plano-Irving, TX | 34 | $ 6,144,000 | $ 180,705 | $ 55,000 |
| Kansas City, MO-KS | 34 | $ 5,475,000 | $ 161,029 | $ 44,794 |
| Knoxville, TN | 34 | $ 5,197,000 | $ 152,852 | $ 51,000 |
| Greeley, CO | 32 | $ 6,941,000 | $ 216,906 | $ 102,000 |
| Huntsville, AL | 32 | $ 6,725,000 | $ 210,156 | $ 86,000 |
| St. George, UT | 32 | $ 7,943,000 | $ 248,218 | $ 146,000 |
| Santa Ana-Anaheim-Irvine, CA | 31 | $ 12,562,000 | $ 405,225 | $ 110,000 |
| Bangor, ME | 30 | $ 5,234,000 | $ 174,466 | $ 73,000 |
| Jacksonville, FL | 30 | $ 6,479,000 | $ 215,966 | $ 131,000 |
| Manchester-Nashua, NH | 30 | $ 8,382,000 | $ 279,400 | $ 118,000 |
| San Diego-Carlsbad-San Marcos, CA | 30 | $ 11,434,000 | $ 381,133 | $ 142,000 |
| Trenton-Ewing, NJ | 30 | $ 6,294,000 | $ 209,800 | $ 70,000 |
| Phoenix-Mesa-Scottsdale, AZ | 29 | $ 5,344,000 | $ 184,275 | $ 77,000 |
| Jackson, MS | 28 | $ 3,266,000 | $ 116,642 | $ 42,000 |
| Shreveport-Bossier City, LA | 28 | $ 3,835,000 | $ 136,964 | $ 74,000 |
| Anchorage, AK | 26 | $ 5,811,000 | $ 223,500 | $ 85,000 |
| Ocean City, NJ | 26 | $ 8,321,000 | $ 320,038 | $ 127,000 |
| Greenville-Mauldin-Easley, SC | 25 | $ 3,803,000 | $ 152,120 | $ 42,000 |
| Canton-Massillon, OH | 24 | $ 2,719,000 | $ 113,291 | $ 28,000 |
| San Antonio, TX | 24 | $ 3,681,000 | $ 153,375 | $ 28,000 |
| Fort Collins-Loveland, CO | 23 | $ 6,141,000 | $ 267,000 | $ 110,000 |
| Gary, IN | 23 | $ 3,582,000 | $ 155,739 | $ 61,000 |
| Greensboro-High Point, NC | 23 | $ 2,938,000 | $ 127,739 | $ 32,000 |
| Johnstown, PA | 23 | $ 15,211,000 | $ 661,347 | $ 66,000 |
| Toledo, OH | 23 | $ 3,175,000 | $ 138,043 | $ 62,000 |
| Winston-Salem, NC | 22 | $ 3,099,000 | $ 140,863 | $ 38,000 |
| Norwich-New London, CT | 21 | $ 4,602,000 | $ 219,142 | $ 82,000 |
| Mount Vernon-Anacortes, WA | 20 | $ 4,873,000 | $ 243,650 | $ 87,000 |
| Winchester, VA-WV | 20 | $ 2,228,000 | $ 111,400 | $ 64,750 |
| Bradenton-Sarasota-Venice, FL | 19 | $ 7,045,000 | $ 370,789 | $ 286,000 |
| Charleston-North Charleston-Summerville, SC | 19 | $ 6,672,000 | $ 351,157 | $ 315,000 |
| Dover, DE | 19 | $ 4,500,000 | $ 236,842 | $ 57,000 |
| Durham, NC | 19 | $ 3,394,000 | $ 178,631 | $ 69,000 |
| Fayetteville, NC | 19 | $ 2,508,000 | $ 132,000 | $ 9,000 |
| Morgantown, WV | 19 | $ 1,688,000 | $ 88,842 | $ 45,000 |
| Saginaw-Saginaw Township North, MI | 19 | $ 1,903,000 | $ 100,157 | $ 38,000 |
| Lynchburg, VA | 18 | $ 2,864,000 | $ 159,111 | $ 58,000 |
| South Bend-Mishawaka, IN-MI | 18 | $ 1,917,000 | $ 106,500 | $ 59,000 |
| Tucson, AZ | 18 | $ 2,547,000 | $ 141,500 | $ 62,000 |
| Cape Coral-Fort Myers, FL | 17 | $ 3,657,000 | $ 215,117 | $ 109,000 |
| Chico, CA | 17 | $ 3,529,000 | $ 207,588 | $ 56,000 |
| Duluth, MN-WI | 17 | $ 2,683,000 | $ 157,823 | $ 96,764 |
| Las Cruces, NM | 17 | $ 2,822,000 | $ 166,000 | $ 65,000 |
| Fort Walton Beach-Crestview-Destin, FL | 16 | $ 2,948,000 | $ 184,250 | $ 81,000 |
| Grand Rapids-Wyoming, MI | 16 | $ 2,141,000 | $ 133,812 | $ 45,000 |
| St. Cloud, MN | 16 | $ 3,239,000 | $ 202,437 | $ 77,000 |
| Augusta-Richmond County, GA-SC | 15 | $ 2,254,000 | $ 150,266 | $ 29,400 |
| Farmington, NM | 15 | $ 3,561,000 | $ 237,400 | $ 73,000 |
| Lewiston-Auburn, ME | 15 | $ 2,208,000 | $ 147,200 | $ 60,000 |
| Pueblo, CO | 15 | $ 2,588,000 | $ 172,533 | $ 67,000 |
| Weirton-Steubenville, WV-OH | 15 | $ 1,474,000 | $ 98,266 | $ 32,666 |
| Asheville, NC | 14 | $ 3,358,000 | $ 239,857 | $ 76,000 |
| Barnstable Town, MA | 14 | $ 5,109,000 | $ 364,928 | $ 463,000 |
| Battle Creek, MI | 14 | $ 1,224,000 | $ 87,428 | $ 0 |
| Charlottesville, VA | 14 | $ 3,318,000 | $ 237,000 | $ 63,000 |
| Columbia, SC | 14 | $ 1,885,000 | $ 134,642 | $ 58,000 |
| Fort Worth-Arlington, TX | 14 | $ 2,954,000 | $ 211,000 | $ 74,000 |
| Lima, OH | 14 | $ 1,519,000 | $ 108,500 | $ 21,000 |
| Burlington-South Burlington, VT | 13 | $ 3,768,000 | $ 289,846 | $ 88,000 |
| Kalamazoo-Portage, MI | 13 | $ 1,545,000 | $ 118,846 | $ 23,000 |
| Port St. Lucie, FL | 13 | $ 4,356,000 | $ 335,076 | $ 487,000 |
| Coeur D'Alene, ID | 12 | $ 3,223,000 | $ 268,583 | $ 107,000 |
| Mansfield, OH | 12 | $ 1,477,000 | $ 123,083 | $ 72,000 |
| Rockford, IL | 12 | $ 1,791,000 | $ 149,250 | $ 68,000 |
| Tallahassee, FL | 12 | $ 2,170,000 | $ 180,833 | $ 111,000 |
| Wilmington, NC | 12 | $ 2,810,000 | $ 234,166 | $ 95,000 |
| Ann Arbor, MI | 11 | $ 2,207,000 | $ 200,636 | $ 67,000 |
| Decatur, AL | 11 | $ 1,792,000 | $ 162,909 | $ 87,000 |
| Lexington-Fayette, KY | 11 | $ 1,565,000 | $ 142,272 | $ 64,000 |
| Oakland-Fremont-Hayward, CA | 11 | $ 4,976,000 | $ 452,363 | $ 119,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 1,539,000 | $ 139,909 | $ 32,000 |
| Reno-Sparks, NV | 11 | $ 3,404,000 | $ 309,454 | $ 56,000 |
| Roanoke, VA | 11 | $ 2,004,000 | $ 182,181 | $ 36,000 |
| Tuscaloosa, AL | 11 | $ 1,614,000 | $ 146,727 | $ 67,000 |
| Albuquerque, NM | 10 | $ 2,058,000 | $ 205,800 | $ 58,000 |
| Austin-Round Rock, TX | 10 | $ 2,740,000 | $ 274,000 | $ 122,000 |
| Lakeland-Winter Haven, FL | 10 | $ 1,450,000 | $ 145,000 | $ 36,000 |
| Morristown, TN | 10 | $ 1,534,000 | $ 153,400 | $ 64,000 |
| Pocatello, ID | 10 | $ 2,108,000 | $ 210,800 | $ 72,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 1,399,000 | $ 155,444 | $ 61,000 |
| Dothan, AL | 9 | $ 1,502,000 | $ 166,888 | $ 44,000 |
| Gadsden, AL | 9 | $ 1,432,000 | $ 159,111 | $ 65,000 |
| Gainesville, FL | 9 | $ 2,309,000 | $ 256,555 | $ 130,000 |
| Grand Junction, CO | 9 | $ 2,513,000 | $ 279,222 | $ 79,000 |
| Lafayette, LA | 9 | $ 1,110,000 | $ 123,333 | $ 64,000 |
| Punta Gorda, FL | 9 | $ 1,546,000 | $ 171,777 | $ 73,000 |
| Santa Rosa-Petaluma, CA | 9 | $ 3,114,000 | $ 346,000 | $ 87,000 |
| Springfield, OH | 9 | $ 1,293,000 | $ 143,666 | $ 69,000 |
| Columbus, GA-AL | 8 | $ 1,123,000 | $ 140,375 | $ 44,000 |
| Erie, PA | 8 | $ 625,000 | $ 78,125 | $ 41,000 |
| Lansing-East Lansing, MI | 8 | $ 1,426,000 | $ 178,250 | $ 96,000 |
| Lewiston, ID-WA | 8 | $ 1,599,000 | $ 199,875 | $ 96,625 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 1,226,000 | $ 153,250 | $ 44,000 |
| Niles-Benton Harbor, MI | 8 | $ 1,155,000 | $ 144,375 | $ 72,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 3,889,000 | $ 486,125 | $ 181,000 |
| Savannah, GA | 8 | $ 2,073,000 | $ 259,125 | $ 138,000 |
| Anniston-Oxford, AL | 7 | $ 820,000 | $ 117,142 | $ 40,000 |
| Bakersfield, CA | 7 | $ 1,653,000 | $ 236,142 | $ 99,000 |
| Bay City, MI | 7 | $ 783,000 | $ 111,857 | $ 20,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 851,000 | $ 121,571 | $ 63,285 |
| Holland-Grand Haven, MI | 7 | $ 962,000 | $ 137,428 | $ 64,000 |
| Jackson, TN | 7 | $ 938,000 | $ 134,000 | $ 65,000 |
| Lafayette, IN | 7 | $ 976,000 | $ 139,428 | $ 77,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 2,669,000 | $ 381,285 | $ 177,000 |
| Palm Coast, FL | 7 | $ 1,301,000 | $ 185,857 | $ 147,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 7 | $ 2,057,000 | $ 293,857 | $ 92,000 |
| Sandusky, OH | 7 | $ 886,000 | $ 126,571 | $ 47,000 |
| Anderson, SC | 6 | $ 1,306,000 | $ 217,666 | $ 75,000 |
| Flagstaff, AZ | 6 | $ 1,470,000 | $ 245,000 | $ 143,000 |
| Fort Wayne, IN | 6 | $ 687,000 | $ 114,500 | $ 19,000 |
| Gainesville, GA | 6 | $ 1,461,000 | $ 243,500 | $ 95,000 |
| Hattiesburg, MS | 6 | $ 881,000 | $ 146,833 | $ 100,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 589,000 | $ 98,166 | $ 79,000 |
| Jacksonville, NC | 6 | $ 1,122,000 | $ 187,000 | $ 48,000 |
| Ocala, FL | 6 | $ 984,000 | $ 164,000 | $ 55,000 |
| Rome, GA | 6 | $ 1,098,000 | $ 183,000 | $ 86,000 |
| Tulsa, OK | 6 | $ 638,000 | $ 106,333 | $ 31,000 |
| Athens-Clarke County, GA | 5 | $ 1,022,000 | $ 204,400 | $ 139,000 |
| Charleston, WV | 5 | $ 746,000 | $ 149,200 | $ 40,000 |
| Des Moines-West Des Moines, IA | 5 | $ 814,000 | $ 162,800 | $ 63,000 |
| El Paso, TX | 5 | $ 655,000 | $ 131,000 | $ 13,000 |
| Elizabethtown, KY | 5 | $ 779,000 | $ 155,800 | $ 16,000 |
| Evansville, IN-KY | 5 | $ 398,000 | $ 79,600 | $ 41,000 |
| Fargo, ND-MN | 5 | $ 642,000 | $ 128,400 | $ 63,000 |
| Fresno, CA | 5 | $ 647,000 | $ 129,400 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 374,000 | $ 74,800 | $ 54,600 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 597,000 | $ 119,400 | $ 47,200 |
| Macon, GA | 5 | $ 534,000 | $ 106,800 | $ 45,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 911,000 | $ 182,200 | $ 93,000 |
| Monroe, MI | 5 | $ 892,000 | $ 178,400 | $ 83,000 |
| Naples-Marco Island, FL | 5 | $ 985,000 | $ 197,000 | $ 142,000 |
| Visalia-Porterville, CA | 5 | $ 1,277,000 | $ 255,400 | $ 44,000 |
| Auburn-Opelika, AL | 4 | $ 719,000 | $ 179,750 | $ 75,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 611,000 | $ 152,750 | $ 51,000 |
| Casper, WY | 4 | $ 552,000 | $ 138,000 | $ 56,000 |
| Clarksville, TN-KY | 4 | $ 600,000 | $ 150,000 | $ 43,250 |
| Cleveland, TN | 4 | $ 372,000 | $ 93,000 | $ 52,000 |
| Corpus Christi, TX | 4 | $ 499,000 | $ 124,750 | $ 32,000 |
| Dalton, GA | 4 | $ 1,102,000 | $ 275,500 | $ 101,000 |
| Gulfport-Biloxi, MS | 4 | $ 480,000 | $ 120,000 | $ 51,000 |
| Hot Springs, AR | 4 | $ 606,000 | $ 151,500 | $ 89,000 |
| Johnson City, TN | 4 | $ 619,000 | $ 154,750 | $ 54,000 |
| Merced, CA | 4 | $ 911,000 | $ 227,750 | $ 27,000 |
| Missoula, MT | 4 | $ 970,000 | $ 242,500 | $ 108,000 |
| Rochester, MN | 4 | $ 561,000 | $ 140,250 | $ 71,000 |
| Rocky Mount, NC | 4 | $ 747,000 | $ 186,750 | $ 50,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 1,968,000 | $ 492,000 | $ 166,000 |
| Sebastian-Vero Beach, FL | 4 | $ 772,000 | $ 193,000 | $ 162,000 |
| Valdosta, GA | 4 | $ 553,000 | $ 138,250 | $ 43,000 |
| Albany, GA | 3 | $ 362,000 | $ 120,666 | $ 35,000 |
| Elkhart-Goshen, IN | 3 | $ 471,000 | $ 157,000 | $ 20,000 |
| Fairbanks, AK | 3 | $ 414,000 | $ 138,000 | $ 70,000 |
| Jackson, MI | 3 | $ 303,000 | $ 101,000 | $ 25,000 |
| Kankakee-Bradley, IL | 3 | $ 595,000 | $ 198,333 | $ 47,000 |
| Lake Charles, LA | 3 | $ 337,000 | $ 112,333 | $ 31,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 441,000 | $ 147,000 | $ 55,000 |
| Modesto, CA | 3 | $ 530,000 | $ 176,666 | $ 64,000 |
| Muskegon-Norton Shores, MI | 3 | $ 294,000 | $ 98,000 | $ 21,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 186,000 | $ 62,000 | $ 33,666 |
| Panama City-Lynn Haven, FL | 3 | $ 733,000 | $ 244,333 | $ 39,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 777,000 | $ 259,000 | $ 80,000 |
| Pascagoula, MS | 3 | $ 342,000 | $ 114,000 | $ 44,000 |
| Pittsfield, MA | 3 | $ 532,000 | $ 177,333 | $ 19,000 |
| Waco, TX | 3 | $ 368,000 | $ 122,666 | $ 25,000 |
| Alexandria, LA | 2 | $ 332,000 | $ 166,000 | $ 46,000 |
| Anderson, IN | 2 | $ 225,000 | $ 112,500 | $ 0 |
| Beaumont-Port Arthur, TX | 2 | $ 491,000 | $ 245,500 | $ 133,000 |
| Bloomington, IN | 2 | $ 446,000 | $ 223,000 | $ 50,000 |
| Bowling Green, KY | 2 | $ 266,000 | $ 133,000 | $ 48,000 |
| Danville, VA | 2 | $ 317,000 | $ 158,500 | $ 52,000 |
| Florence, SC | 2 | $ 320,000 | $ 160,000 | $ 37,000 |
| Fond Du Lac, WI | 2 | $ 515,000 | $ 257,500 | $ 66,000 |
| Great Falls, MT | 2 | $ 364,000 | $ 182,000 | $ 83,000 |
| Green Bay, WI | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Greenville, NC | 2 | $ 249,000 | $ 124,500 | $ 43,000 |
| Joplin, MO | 2 | $ 128,000 | $ 64,000 | $ 5,000 |
| Kokomo, IN | 2 | $ 311,000 | $ 155,500 | $ 37,000 |
| La Crosse, WI-MN | 2 | $ 463,000 | $ 231,500 | $ 131,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 768,000 | $ 384,000 | $ 396,000 |
| Longview, TX | 2 | $ 138,000 | $ 69,000 | $ 102,000 |
| Madera, CA | 2 | $ 385,000 | $ 192,500 | $ 47,000 |
| Midland, TX | 2 | $ 269,000 | $ 134,500 | $ 28,000 |
| Monroe, LA | 2 | $ 532,000 | $ 266,000 | $ 291,000 |
| Peoria, IL | 2 | $ 380,000 | $ 190,000 | $ 130,000 |
| Pine Bluff, AR | 2 | $ 396,000 | $ 198,000 | $ 52,000 |
| Santa Fe, NM | 2 | $ 510,000 | $ 255,000 | $ 92,000 |
| St. Joseph, MO-KS | 2 | $ 218,000 | $ 109,000 | $ 126,000 |
| Stockton, CA | 2 | $ 416,000 | $ 208,000 | $ 0 |
| Topeka, KS | 2 | $ 320,000 | $ 160,000 | $ 68,000 |
| Wichita, KS | 2 | $ 678,000 | $ 339,000 | $ 281,000 |
| Yuba City, CA | 2 | $ 328,000 | $ 164,000 | $ 21,000 |
| Bismarck, ND | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Brunswick, GA | 1 | $ 213,000 | $ 213,000 | $ 128,000 |
| Burlington, NC | 1 | $ 284,000 | $ 284,000 | $ 104,000 |
| Carson City, NV | 1 | $ 56,000 | $ 56,000 | $ 93,000 |
| Cedar Rapids, IA | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
| Champaign-Urbana, IL | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Cheyenne, WY | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Columbia, MO | 1 | $ 82,000 | $ 82,000 | $ 82,000 |
| Columbus, IN | 1 | $ 18,000 | $ 18,000 | $ 10,000 |
| El Centro, CA | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Goldsboro, NC | 1 | $ 119,000 | $ 119,000 | $ 26,000 |
| Hanford-Corcoran, CA | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 137,000 | $ 137,000 | $ 52,000 |
| Iowa City, IA | 1 | $ 107,000 | $ 107,000 | $ 213,000 |
| Jonesboro, AR | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Lawton, OK | 1 | $ 167,000 | $ 167,000 | $ 85,000 |
| Madison, WI | 1 | $ 156,000 | $ 156,000 | $ 41,000 |
| Michigan City-La Porte, IN | 1 | $ 107,000 | $ 107,000 | $ 51,000 |
| Muncie, IN | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Odessa, TX | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Redding, CA | 1 | $ 170,000 | $ 170,000 | $ 44,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 275,000 | $ 275,000 | $ 47,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 423,000 | $ 423,000 | $ 156,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 880,000 | $ 880,000 | $ 239,000 |
| Sheboygan, WI | 1 | $ 144,000 | $ 144,000 | $ 59,000 |
| Spartanburg, SC | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Springfield, IL | 1 | $ 190,000 | $ 190,000 | $ 67,000 |
| Sumter, SC | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Warner Robins, GA | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 303,000 | $ 303,000 | $ 125,000 |
| Wichita Falls, TX | 1 | $ 76,000 | $ 76,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2008
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 | 18,742 | $3,792,223,000 | $202,000 | $31,500,000 | $79,000 | $9,999,000 |
| Refinancing | 18,655 | $3,796,737,000 | $203,000 | $9,000,000 | $82,000 | $9,918,000 |
| Home Improvement | 4,692 | $226,227,000 | $48,000 | $4,006,000 | $67,000 | $2,760,000 |
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 | 29,717 | $5,369,967,000 | $180,000 | $9,000,000 | $86,000 | $9,999,000 |
| Not Provided | 3,355 | $623,660,000 | $185,000 | $2,000,000 | $98,000 | $6,529,000 |
| Not applicable | 3,305 | $727,491,000 | $220,000 | $31,500,000 | $0 | $455,000 |
| Black or African American | 2,572 | $415,220,000 | $161,000 | $1,500,000 | $63,000 | $545,000 |
| Hispanic | 1,759 | $345,556,000 | $196,000 | $15,000,000 | $67,000 | $840,000 |
| Asian | 925 | $242,831,000 | $262,000 | $1,632,000 | $108,000 | $2,760,000 |
| American Indian or Alaskan Native | 360 | $68,496,000 | $190,000 | $600,000 | $105,000 | $556,000 |
| Native Hawaiian or Other Pacific Islander | 96 | $21,966,000 | $228,000 | $568,000 | $87,000 | $336,000 |
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) | 29,747 | $5,587,703,000 | $187,000 | $31,500,000 | $92,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 11,299 | $2,022,066,000 | $178,000 | $1,424,000 | $46,000 | $750,000 |
| VA-guaranteed (Veterans Administration) | 1,028 | $203,585,000 | $198,000 | $554,000 | $44,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,833,000 | $122,000 | $315,000 | $27,000 | $86,000 |
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 | 23,373 | $4,359,862,000 | $186,000 | $31,500,000 | $85,000 | $9,999,000 |
| Application Denied By Financial Institution | 7,838 | $1,156,734,000 | $147,000 | $2,400,000 | $77,000 | $6,529,000 |
| Application Approved But Not Accepted | 4,975 | $1,114,811,000 | $224,000 | $2,205,000 | $91,000 | $3,000,000 |
| Loan Purchased By The Institution | 3,158 | $558,898,000 | $176,000 | $840,000 | $0 | $0 |
| Application Withdrawn By Applicant | 2,431 | $553,558,000 | $227,000 | $6,000,000 | $104,000 | $3,925,000 |
| Preapproval Denied by Financial Institution | 304 | $70,372,000 | $231,000 | $1,375,000 | $72,000 | $396,000 |
| File Closed For Incompleteness | 10 | $952,000 | $95,000 | $253,000 | $271,000 | $1,921,000 |
| 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 2008 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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