M&T Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
M&T Bank's 2024 HMDA record for Florida covers 625 applications, 285 of them originated, worth $134m.
Its denial rate in the state was 44.3%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 34.1%.
The median rate spread on its Florida originations was 0.2 percentage points (state median 0.3).
Applications in the state were down 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | M&T Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 44.3% | 29.0% | 34.1% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.7% | 16.4% | 30.2% | 15.6% |
| Average originated loan | $470k | $359k | $259k | $329k |
| Home purchase share | 50.9% | 62.9% | 33.4% | 57.0% |
| FHA-insured share | 14.7% | 17.7% | 6.8% | 13.4% |
| VA-guaranteed share | 15.1% | 9.5% | 2.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 51% (145)Home improvement 9% (27)Refinancing 5% (14)Cash-out refinancing 16% (45)Other purpose 19% (54)
By type
Conventional 70% (200)FHA 15% (42)VA 15% (43)
Denial reasons as coded
Share of 235 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 65 | 26 | $16m | 54.2% |
| Lee County | 37 | 22 | $13m | 32.4% |
| Collier County | 28 | 21 | $16m | — |
| Sarasota County | 26 | 20 | $8.2m | — |
| Broward County | 50 | 18 | $11m | 58.1% |
| Hillsborough County | 33 | 16 | $5.5m | 43.3% |
| Miami-Dade County | 52 | 11 | $5.1m | 69.0% |
| Polk County | 25 | 4 | $940k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did M&T Bank originate in Florida in 2024?
285 loans totalling $134m, from 625 applications reported for properties in Florida.
What is M&T Bank's denial rate in Florida?
44.3% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 34.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does M&T Bank lend in most?
By originations: Palm Beach County (26), Lee County (22), Collier County (21), Sarasota County (20), Broward County (18).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.