M&T Bank in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia 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 Georgia covers 173 applications, 95 of them originated, worth $21m.
Its denial rate in the state was 25.4%, close to the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 34.1%.
The median rate spread on its Georgia originations was 0.3 percentage points (state median 0.4).
Applications in the state were down 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | M&T Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.4% | 26.9% | 34.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.9% | 17.5% | 30.2% | 15.6% |
| Average originated loan | $226k | $313k | $259k | $329k |
| Home purchase share | 25.3% | 57.0% | 33.4% | 57.0% |
| FHA-insured share | 38.9% | 18.3% | 6.8% | 13.4% |
| VA-guaranteed share | 22.1% | 11.6% | 2.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 25% (24)Refinancing 4% (4)Cash-out refinancing 60% (57)Other purpose 11% (10)
By type
Conventional 38% (36)FHA 39% (37)VA 22% (21)USDA 1% (1)
Denial reasons as coded
Share of 33 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did M&T Bank originate in Georgia in 2024?
95 loans totalling $21m, from 173 applications reported for properties in Georgia.
What is M&T Bank's denial rate in Georgia?
25.4% of decided applications in Georgia were denied, against 26.9% 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 Georgia counties does M&T Bank lend in most?
No county in the state reaches 25 applications.
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 Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.