M&T Bank Mortgage Lending & HMDA Data, 2009
In 2009, M&T Bank of Buffalo, NY reported 48,263 mortgage applications totaling $9.2 billion, up 15% from 2008. The average application was for $189,662, and applicants reported an average income of $79,856. 62% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Portland-Vancouver-Beaverton, OR-WA (3,621), Buffalo-Niagara Falls, NY (3,353) and Baltimore-Towson, MD (2,329) (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 | 48,263 |
| Total Mortgage Loan Application Amount | $9,153,698,000 |
| Average Mortgage Loan Application Amount | $189,662 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $79,856 |
| Highest Applicant Income | $8,396,000 |
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Disclosure Act (HMDA) records M&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,621 | $ 858,326,000 | $ 237,041 | $ 84,888 |
| Buffalo-Niagara Falls, NY | 3,353 | $ 359,080,000 | $ 107,092 | $ 62,000 |
| Baltimore-Towson, MD | 2,329 | $ 429,439,000 | $ 184,387 | $ 86,000 |
| Rochester, NY | 1,952 | $ 243,774,000 | $ 124,884 | $ 71,000 |
| Seattle-Bellevue-Everett, WA | 1,931 | $ 582,487,000 | $ 301,650 | $ 112,000 |
| New York-White Plains-Wayne, NY-NJ | 1,765 | $ 606,432,000 | $ 343,587 | $ 116,311 |
| Salt Lake City, UT | 1,645 | $ 372,885,000 | $ 226,677 | $ 74,000 |
| Denver-Aurora-Broomfield, CO | 1,333 | $ 328,469,000 | $ 246,413 | $ 106,000 |
| York-Hanover, PA | 1,252 | $ 177,031,000 | $ 141,398 | $ 74,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,222 | $ 320,434,000 | $ 262,220 | $ 101,860 |
| Albany-Schenectady-Troy, NY | 1,208 | $ 199,760,000 | $ 165,364 | $ 70,000 |
| Syracuse, NY | 1,180 | $ 121,163,000 | $ 102,680 | $ 68,000 |
| Scranton--Wilkes-Barre, PA | 980 | $ 123,543,000 | $ 126,064 | $ 83,000 |
| Ogden-Clearfield, UT | 865 | $ 183,226,000 | $ 211,821 | $ 71,000 |
| Harrisburg-Carlisle, PA | 864 | $ 122,277,000 | $ 141,524 | $ 72,000 |
| Philadelphia, PA | 854 | $ 188,169,000 | $ 220,338 | $ 95,000 |
| Nassau-Suffolk, NY | 798 | $ 229,776,000 | $ 287,939 | $ 116,000 |
| Tacoma, WA | 636 | $ 158,834,000 | $ 249,738 | $ 89,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 600 | $ 123,311,000 | $ 205,518 | $ 93,000 |
| Boise City-Nampa, ID | 592 | $ 114,345,000 | $ 193,150 | $ 72,000 |
| Binghamton, NY | 581 | $ 55,443,000 | $ 95,426 | $ 62,000 |
| Provo-Orem, UT | 564 | $ 122,102,000 | $ 216,492 | $ 72,000 |
| Utica-Rome, NY | 538 | $ 47,137,000 | $ 87,615 | $ 60,000 |
| Salem, OR | 478 | $ 102,023,000 | $ 213,437 | $ 72,000 |
| Bethesda-Frederick-Rockville, MD | 469 | $ 128,362,000 | $ 273,692 | $ 113,000 |
| Lancaster, PA | 371 | $ 61,908,000 | $ 166,867 | $ 79,000 |
| Reading, PA | 356 | $ 42,797,000 | $ 120,216 | $ 70,000 |
| Altoona, PA | 321 | $ 35,644,000 | $ 111,040 | $ 82,000 |
| Eugene-Springfield, OR | 314 | $ 66,283,000 | $ 211,092 | $ 68,000 |
| New Haven-Milford, CT | 268 | $ 53,255,000 | $ 198,712 | $ 73,000 |
| Cumberland, MD-WV | 267 | $ 27,242,000 | $ 102,029 | $ 63,996 |
| Cleveland-Elyria-Mentor, OH | 264 | $ 30,415,000 | $ 115,208 | $ 15,000 |
| Hagerstown-Martinsburg, MD-WV | 262 | $ 37,137,000 | $ 141,744 | $ 63,977 |
| Bridgeport-Stamford-Norwalk, CT | 245 | $ 79,592,000 | $ 324,865 | $ 120,000 |
| Pittsburgh, PA | 242 | $ 34,336,000 | $ 141,884 | $ 58,000 |
| State College, PA | 211 | $ 30,968,000 | $ 146,767 | $ 93,000 |
| Cincinnati-Middletown, OH-KY-IN | 210 | $ 28,493,000 | $ 135,680 | $ 36,104 |
| Newark-Union, NJ-PA | 208 | $ 55,778,000 | $ 268,163 | $ 90,500 |
| Providence-New Bedford-Fall River, RI-MA | 198 | $ 43,218,000 | $ 218,272 | $ 77,818 |
| Hartford-West Hartford-East Hartford, CT | 197 | $ 41,142,000 | $ 208,842 | $ 79,000 |
| Williamsport, PA | 190 | $ 25,377,000 | $ 133,563 | $ 72,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 183 | $ 26,867,000 | $ 146,814 | $ 92,704 |
| Boston-Quincy, MA | 163 | $ 45,103,000 | $ 276,705 | $ 86,000 |
| Idaho Falls, ID | 158 | $ 28,225,000 | $ 178,639 | $ 65,000 |
| Kingston, NY | 156 | $ 24,220,000 | $ 155,256 | $ 94,000 |
| Edison-New Brunswick, NJ | 154 | $ 44,454,000 | $ 288,662 | $ 129,000 |
| Olympia, WA | 152 | $ 36,990,000 | $ 243,355 | $ 79,000 |
| Columbus, OH | 147 | $ 23,782,000 | $ 161,782 | $ 39,000 |
| Richmond, VA | 135 | $ 24,003,000 | $ 177,800 | $ 54,000 |
| Boulder, CO | 134 | $ 32,751,000 | $ 244,410 | $ 99,000 |
| Bend, OR | 128 | $ 30,613,000 | $ 239,164 | $ 106,000 |
| Las Vegas-Paradise, NV | 121 | $ 24,970,000 | $ 206,363 | $ 90,000 |
| Wilmington, DE-MD-NJ | 121 | $ 26,403,000 | $ 218,206 | $ 64,661 |
| Medford, OR | 120 | $ 27,233,000 | $ 226,941 | $ 71,000 |
| Logan, UT-ID | 118 | $ 22,573,000 | $ 191,296 | $ 71,830 |
| Kennewick-Pasco-Richland, WA | 115 | $ 20,362,000 | $ 177,060 | $ 67,000 |
| Lebanon, PA | 110 | $ 17,129,000 | $ 155,718 | $ 68,000 |
| Warren-Troy-Farmington Hills, MI | 110 | $ 9,905,000 | $ 90,045 | $ 0 |
| Camden, NJ | 108 | $ 19,783,000 | $ 183,175 | $ 61,000 |
| Flint, MI | 108 | $ 8,949,000 | $ 82,861 | $ 0 |
| Glens Falls, NY | 106 | $ 15,111,000 | $ 142,556 | $ 71,000 |
| Cambridge-Newton-Framingham, MA | 102 | $ 30,509,000 | $ 299,107 | $ 86,000 |
| Salisbury, MD | 97 | $ 15,559,000 | $ 160,402 | $ 65,000 |
| Atlantic City-Hammonton, NJ | 96 | $ 20,717,000 | $ 215,802 | $ 47,000 |
| Yakima, WA | 93 | $ 17,074,000 | $ 183,591 | $ 72,000 |
| Akron, OH | 85 | $ 9,457,000 | $ 111,258 | $ 16,000 |
| Colorado Springs, CO | 84 | $ 18,724,000 | $ 222,904 | $ 80,000 |
| Longview, WA | 82 | $ 17,203,000 | $ 209,792 | $ 72,000 |
| Elmira, NY | 77 | $ 6,548,000 | $ 85,038 | $ 34,000 |
| Orlando-Kissimmee, FL | 76 | $ 12,195,000 | $ 160,460 | $ 10,000 |
| Peabody, MA | 76 | $ 17,571,000 | $ 231,197 | $ 69,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 76 | $ 14,864,000 | $ 195,578 | $ 30,000 |
| Spokane, WA | 75 | $ 14,906,000 | $ 198,746 | $ 75,000 |
| Oklahoma City, OK | 71 | $ 11,152,000 | $ 157,070 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 65 | $ 8,711,000 | $ 134,015 | $ 3,000 |
| Bremerton-Silverdale, WA | 64 | $ 18,267,000 | $ 285,421 | $ 84,000 |
| Corvallis, OR | 64 | $ 14,904,000 | $ 232,875 | $ 102,000 |
| Bellingham, WA | 60 | $ 15,754,000 | $ 262,566 | $ 89,000 |
| Worcester, MA | 60 | $ 11,090,000 | $ 184,833 | $ 54,000 |
| Youngstown-Warren-Boardman, OH-PA | 59 | $ 5,724,000 | $ 97,016 | $ 18,932 |
| St. George, UT | 57 | $ 12,410,000 | $ 217,719 | $ 125,000 |
| Riverside-San Bernardino-Ontario, CA | 56 | $ 16,715,000 | $ 298,482 | $ 70,000 |
| Ithaca, NY | 54 | $ 7,117,000 | $ 131,796 | $ 75,000 |
| Bangor, ME | 53 | $ 8,043,000 | $ 151,754 | $ 57,000 |
| Mount Vernon-Anacortes, WA | 50 | $ 11,700,000 | $ 234,000 | $ 69,000 |
| New Orleans-Metairie-Kenner, LA | 50 | $ 8,130,000 | $ 162,600 | $ 0 |
| Rockingham County-Strafford County, NH | 48 | $ 10,610,000 | $ 221,041 | $ 76,000 |
| Erie, PA | 47 | $ 6,251,000 | $ 133,000 | $ 45,000 |
| Manchester-Nashua, NH | 46 | $ 10,098,000 | $ 219,521 | $ 65,000 |
| Wenatchee-East Wenatchee, WA | 46 | $ 12,271,000 | $ 266,760 | $ 142,000 |
| Greeley, CO | 44 | $ 10,028,000 | $ 227,909 | $ 86,000 |
| Dayton, OH | 41 | $ 4,603,000 | $ 112,268 | $ 35,000 |
| Miami-Miami Beach-Kendall, FL | 41 | $ 7,574,000 | $ 184,731 | $ 40,000 |
| Portland-South Portland-Biddeford, ME | 39 | $ 6,663,000 | $ 170,846 | $ 61,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 38 | $ 8,084,000 | $ 212,736 | $ 98,000 |
| Springfield, MA | 37 | $ 6,171,000 | $ 166,783 | $ 46,000 |
| Baton Rouge, LA | 34 | $ 4,853,000 | $ 142,735 | $ 0 |
| Albuquerque, NM | 31 | $ 6,010,000 | $ 193,870 | $ 84,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 31 | $ 7,840,000 | $ 252,903 | $ 460,000 |
| Pueblo, CO | 27 | $ 5,085,000 | $ 188,333 | $ 63,000 |
| Tampa-St. Petersburg-Clearwater, FL | 27 | $ 4,627,000 | $ 171,370 | $ 88,000 |
| Norwich-New London, CT | 26 | $ 5,761,000 | $ 221,576 | $ 54,000 |
| Ocean City, NJ | 26 | $ 12,304,000 | $ 473,230 | $ 156,000 |
| Trenton-Ewing, NJ | 26 | $ 5,454,000 | $ 209,769 | $ 83,000 |
| Anchorage, AK | 24 | $ 5,473,000 | $ 228,041 | $ 63,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 24 | $ 5,413,000 | $ 225,541 | $ 40,250 |
| Pocatello, ID | 24 | $ 3,533,000 | $ 147,208 | $ 60,000 |
| Los Angeles-Long Beach-Glendale, CA | 23 | $ 8,907,000 | $ 387,260 | $ 89,000 |
| Battle Creek, MI | 22 | $ 1,642,000 | $ 74,636 | $ 0 |
| Winchester, VA-WV | 22 | $ 3,478,000 | $ 158,090 | $ 72,090 |
| Fort Collins-Loveland, CO | 21 | $ 5,548,000 | $ 264,190 | $ 106,000 |
| Indianapolis-Carmel, IN | 21 | $ 2,970,000 | $ 141,428 | $ 10,000 |
| Port St. Lucie, FL | 21 | $ 3,394,000 | $ 161,619 | $ 182,000 |
| Toledo, OH | 21 | $ 2,338,000 | $ 111,333 | $ 25,000 |
| Barnstable Town, MA | 20 | $ 5,160,000 | $ 258,000 | $ 68,000 |
| Fresno, CA | 20 | $ 2,565,000 | $ 128,250 | $ 0 |
| Cape Coral-Fort Myers, FL | 19 | $ 2,911,000 | $ 153,210 | $ 107,000 |
| Detroit-Livonia-Dearborn, MI | 19 | $ 1,694,000 | $ 89,157 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 19 | $ 2,452,000 | $ 129,052 | $ 0 |
| Dover, DE | 18 | $ 4,375,000 | $ 243,055 | $ 82,000 |
| Wheeling, WV-OH | 18 | $ 2,924,000 | $ 162,444 | $ 72,888 |
| Phoenix-Mesa-Scottsdale, AZ | 17 | $ 2,663,000 | $ 156,647 | $ 171,000 |
| Burlington-South Burlington, VT | 16 | $ 4,679,000 | $ 292,437 | $ 52,000 |
| Charlotte-Gastonia-Concord, NC-SC | 16 | $ 2,719,000 | $ 169,937 | $ 22,000 |
| Charlottesville, VA | 16 | $ 3,422,000 | $ 213,875 | $ 112,000 |
| Johnstown, PA | 16 | $ 1,589,000 | $ 99,312 | $ 72,000 |
| Missoula, MT | 16 | $ 3,215,000 | $ 200,937 | $ 48,000 |
| Dallas-Plano-Irving, TX | 15 | $ 2,177,000 | $ 145,133 | $ 0 |
| San Antonio, TX | 15 | $ 1,717,000 | $ 114,466 | $ 2,000 |
| Chicago-Naperville-Joliet, IL | 14 | $ 2,365,000 | $ 168,928 | $ 14,000 |
| Jacksonville, FL | 14 | $ 2,060,000 | $ 147,142 | $ 15,000 |
| Lima, OH | 13 | $ 1,489,000 | $ 114,538 | $ 0 |
| Naples-Marco Island, FL | 13 | $ 6,006,000 | $ 462,000 | $ 494,000 |
| Bradenton-Sarasota-Venice, FL | 12 | $ 4,553,000 | $ 379,416 | $ 259,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 12 | $ 1,828,000 | $ 152,333 | $ 134,000 |
| Roanoke, VA | 12 | $ 1,502,000 | $ 125,166 | $ 29,000 |
| Tucson, AZ | 12 | $ 1,524,000 | $ 127,000 | $ 49,000 |
| Vineland-Millville-Bridgeton, NJ | 12 | $ 1,742,000 | $ 145,166 | $ 12,000 |
| Coeur D'Alene, ID | 11 | $ 2,440,000 | $ 221,818 | $ 154,000 |
| Mansfield, OH | 11 | $ 1,206,000 | $ 109,636 | $ 46,000 |
| San Diego-Carlsbad-San Marcos, CA | 11 | $ 3,874,000 | $ 352,181 | $ 106,000 |
| Canton-Massillon, OH | 10 | $ 791,000 | $ 79,100 | $ 5,000 |
| Mobile, AL | 10 | $ 1,405,000 | $ 140,500 | $ 0 |
| Morgantown, WV | 10 | $ 2,432,000 | $ 243,200 | $ 30,000 |
| Fayetteville, NC | 9 | $ 1,098,000 | $ 122,000 | $ 0 |
| Grand Junction, CO | 9 | $ 2,193,000 | $ 243,666 | $ 151,000 |
| Raleigh-Cary, NC | 9 | $ 1,456,000 | $ 161,777 | $ 38,000 |
| Saginaw-Saginaw Township North, MI | 9 | $ 768,000 | $ 85,333 | $ 0 |
| Asheville, NC | 8 | $ 1,737,000 | $ 217,125 | $ 80,000 |
| Bakersfield, CA | 8 | $ 1,467,000 | $ 183,375 | $ 13,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,390,000 | $ 173,750 | $ 73,000 |
| Greensboro-High Point, NC | 8 | $ 1,282,000 | $ 160,250 | $ 25,000 |
| Knoxville, TN | 8 | $ 1,317,000 | $ 164,625 | $ 0 |
| Lewiston, ID-WA | 8 | $ 1,390,000 | $ 173,750 | $ 59,875 |
| Lynchburg, VA | 8 | $ 1,139,000 | $ 142,375 | $ 53,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 1,137,000 | $ 142,125 | $ 7,000 |
| Billings, MT | 7 | $ 1,694,000 | $ 242,000 | $ 116,000 |
| Columbia, SC | 7 | $ 869,000 | $ 124,142 | $ 11,000 |
| Kansas City, MO-KS | 7 | $ 1,050,000 | $ 150,000 | $ 14,571 |
| Lakeland-Winter Haven, FL | 7 | $ 582,000 | $ 83,142 | $ 9,000 |
| St. Louis, MO-IL | 7 | $ 987,000 | $ 141,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 7 | $ 667,000 | $ 95,285 | $ 27,142 |
| Wilmington, NC | 7 | $ 1,420,000 | $ 202,857 | $ 75,000 |
| Dothan, AL | 6 | $ 1,061,000 | $ 176,833 | $ 0 |
| Louisville-Jefferson County, KY-IN | 6 | $ 839,000 | $ 139,833 | $ 9,333 |
| Montgomery, AL | 6 | $ 780,000 | $ 130,000 | $ 0 |
| Birmingham-Hoover, AL | 5 | $ 934,000 | $ 186,800 | $ 20,000 |
| Charleston-North Charleston-Summerville, SC | 5 | $ 3,067,000 | $ 613,400 | $ 132,000 |
| Fort Worth-Arlington, TX | 5 | $ 686,000 | $ 137,200 | $ 0 |
| Las Cruces, NM | 5 | $ 1,126,000 | $ 225,200 | $ 85,000 |
| Lewiston-Auburn, ME | 5 | $ 853,000 | $ 170,600 | $ 60,000 |
| Memphis, TN-MS-AR | 5 | $ 660,000 | $ 132,000 | $ 18,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 1,391,000 | $ 278,200 | $ 85,000 |
| Sandusky, OH | 5 | $ 733,000 | $ 146,600 | $ 8,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 1,855,000 | $ 371,000 | $ 76,000 |
| Springfield, OH | 5 | $ 630,000 | $ 126,000 | $ 30,000 |
| Ann Arbor, MI | 4 | $ 674,000 | $ 168,500 | $ 0 |
| Charleston, WV | 4 | $ 483,000 | $ 120,750 | $ 40,000 |
| Chico, CA | 4 | $ 761,000 | $ 190,250 | $ 19,000 |
| Durham-Chapel Hill, NC | 4 | $ 500,000 | $ 125,000 | $ 46,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 297,000 | $ 74,250 | $ 12,000 |
| Kalamazoo-Portage, MI | 4 | $ 244,000 | $ 61,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 4 | $ 538,000 | $ 134,500 | $ 0 |
| Lexington-Fayette, KY | 4 | $ 705,000 | $ 176,250 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 638,000 | $ 159,500 | $ 146,000 |
| Tulsa, OK | 4 | $ 724,000 | $ 181,000 | $ 71,000 |
| Visalia-Porterville, CA | 4 | $ 729,000 | $ 182,250 | $ 0 |
| Augusta-Richmond County, GA-SC | 3 | $ 324,000 | $ 108,000 | $ 0 |
| Bay City, MI | 3 | $ 228,000 | $ 76,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 780,000 | $ 260,000 | $ 222,000 |
| Evansville, IN-KY | 3 | $ 146,000 | $ 48,666 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 458,000 | $ 152,666 | $ 134,000 |
| Harrisonburg, VA | 3 | $ 515,000 | $ 171,666 | $ 124,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 250,000 | $ 83,333 | $ 54,000 |
| Monroe, MI | 3 | $ 381,000 | $ 127,000 | $ 0 |
| Ocala, FL | 3 | $ 467,000 | $ 155,666 | $ 50,000 |
| Palm Coast, FL | 3 | $ 221,000 | $ 73,666 | $ 54,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 438,000 | $ 146,000 | $ 47,333 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 404,000 | $ 134,666 | $ 29,000 |
| Punta Gorda, FL | 3 | $ 816,000 | $ 272,000 | $ 110,000 |
| Redding, CA | 3 | $ 698,000 | $ 232,666 | $ 21,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 704,000 | $ 234,666 | $ 18,000 |
| Shreveport-Bossier City, LA | 3 | $ 356,000 | $ 118,666 | $ 0 |
| South Bend-Mishawaka, IN-MI | 3 | $ 356,000 | $ 118,666 | $ 0 |
| Stockton, CA | 3 | $ 679,000 | $ 226,333 | $ 0 |
| Vallejo-Fairfield, CA | 3 | $ 1,094,000 | $ 364,666 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 339,000 | $ 169,500 | $ 0 |
| Cheyenne, WY | 2 | $ 310,000 | $ 155,000 | $ 21,000 |
| Decatur, AL | 2 | $ 313,000 | $ 156,500 | $ 0 |
| El Paso, TX | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Greenville-Mauldin-Easley, SC | 2 | $ 206,000 | $ 103,000 | $ 15,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 353,000 | $ 176,500 | $ 0 |
| Jackson, MI | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Jacksonville, NC | 2 | $ 360,000 | $ 180,000 | $ 21,000 |
| Lansing-East Lansing, MI | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Macon, GA | 2 | $ 176,000 | $ 88,000 | $ 0 |
| Madera-Chowchilla, CA | 2 | $ 494,000 | $ 247,000 | $ 32,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 1,276,000 | $ 638,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 754,000 | $ 377,000 | $ 0 |
| Pittsfield, MA | 2 | $ 633,000 | $ 316,500 | $ 422,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,763,000 | $ 881,500 | $ 192,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 1,028,000 | $ 514,000 | $ 456,000 |
| Santa Fe, NM | 2 | $ 604,000 | $ 302,000 | $ 51,000 |
| Savannah, GA | 2 | $ 344,000 | $ 172,000 | $ 0 |
| Sebastian-Vero Beach, FL | 2 | $ 134,000 | $ 67,000 | $ 13,000 |
| Spartanburg, SC | 2 | $ 152,000 | $ 76,000 | $ 0 |
| Winston-Salem, NC | 2 | $ 253,000 | $ 126,500 | $ 0 |
| Anderson, IN | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Anderson, SC | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Appleton, WI | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Bowling Green, KY | 1 | $ 305,000 | $ 305,000 | $ 114,000 |
| Burlington, NC | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Carson City, NV | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Casper, WY | 1 | $ 186,000 | $ 186,000 | $ 48,000 |
| Cedar Rapids, IA | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Cleveland, TN | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Columbia, MO | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Columbus, IN | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Danville, VA | 1 | $ 400,000 | $ 400,000 | $ 190,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 148,000 | $ 148,000 | $ 62,000 |
| Des Moines-West Des Moines, IA | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Eau Claire, WI | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Fairbanks, AK | 1 | $ 152,000 | $ 152,000 | $ 33,000 |
| Flagstaff, AZ | 1 | $ 310,000 | $ 310,000 | $ 250,000 |
| Fort Wayne, IN | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Gadsden, AL | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Gary, IN | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Goldsboro, NC | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Green Bay, WI | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Holland-Grand Haven, MI | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 109,000 | $ 109,000 | $ 0 |
| La Crosse, WI-MN | 1 | $ 184,000 | $ 184,000 | $ 35,000 |
| Lafayette, LA | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Lawton, OK | 1 | $ 56,000 | $ 56,000 | $ 44,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Lubbock, TX | 1 | $ 14,000 | $ 14,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Merced, CA | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Salinas, CA | 1 | $ 223,000 | $ 223,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 180,000 | $ 180,000 | $ 115,000 |
| Sumter, SC | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Tallahassee, FL | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Valdosta, GA | 1 | $ 108,000 | $ 108,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&T Bank in 2009
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 | 26,011 | $5,593,076,000 | $215,000 | $5,000,000 | $90,000 | $3,518,000 |
| Home Purchase | 17,830 | $3,341,203,000 | $187,000 | $10,000,000 | $68,000 | $8,396,000 |
| Home Improvement | 4,422 | $219,419,000 | $49,000 | $5,500,000 | $68,000 | $5,772,000 |
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 | 35,433 | $6,652,716,000 | $187,000 | $2,355,000 | $87,000 | $8,396,000 |
| Not applicable | 4,336 | $848,586,000 | $195,000 | $10,000,000 | $0 | $710,000 |
| Not Provided | 3,739 | $778,003,000 | $208,000 | $5,000,000 | $108,000 | $2,598,000 |
| Black or African American | 1,873 | $285,509,000 | $152,000 | $1,000,000 | $61,000 | $458,000 |
| Hispanic | 1,446 | $248,622,000 | $171,000 | $860,000 | $63,000 | $1,418,000 |
| Asian | 1,127 | $281,618,000 | $249,000 | $1,360,000 | $107,000 | $1,985,000 |
| American Indian or Alaskan Native | 192 | $32,114,000 | $167,000 | $611,000 | $86,000 | $674,000 |
| Native Hawaiian or Other Pacific Islander | 117 | $26,530,000 | $226,000 | $1,088,000 | $76,000 | $561,000 |
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) | 30,977 | $5,949,124,000 | $192,000 | $10,000,000 | $98,000 | $8,396,000 |
| FHA-insured (Federal Housing Administration) | 15,404 | $2,839,135,000 | $184,000 | $1,224,000 | $46,000 | $2,705,000 |
| VA-guaranteed (Veterans Administration) | 1,355 | $271,108,000 | $200,000 | $631,000 | $51,000 | $275,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 527 | $94,331,000 | $178,000 | $444,000 | $48,000 | $110,000 |
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 | 29,770 | $5,729,450,000 | $192,000 | $10,000,000 | $89,000 | $7,620,000 |
| Application Denied By Financial Institution | 7,743 | $1,203,531,000 | $155,000 | $5,500,000 | $76,000 | $8,396,000 |
| Loan Purchased By The Institution | 4,118 | $708,232,000 | $171,000 | $1,145,000 | $0 | $0 |
| Application Approved But Not Accepted | 4,091 | $940,709,000 | $229,000 | $2,500,000 | $92,000 | $1,500,000 |
| Application Withdrawn By Applicant | 2,268 | $522,266,000 | $230,000 | $5,000,000 | $104,000 | $3,000,000 |
| Preapproval Denied by Financial Institution | 244 | $47,379,000 | $194,000 | $720,000 | $59,000 | $495,000 |
| File Closed For Incompleteness | 29 | $2,131,000 | $73,000 | $344,000 | $73,000 | $145,000 |
| 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 2009 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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