M&T Bank in Maine
HMDA record for properties in Maine, calendar year 2024. National record · Maine 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 Maine covers 250 applications, 143 of them originated, worth $33m.
Its denial rate in the state was 32.1%, above the Maine rate of 20.9% across all lenders and compared with the lender's national rate of 34.1%.
The median rate spread on its Maine originations was 0.6 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Maine | Maine, all lenders | M&T Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 32.1% | 20.9% | 34.1% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 23.9% | 16.1% | 30.2% | 15.6% |
| Average originated loan | $228k | $263k | $259k | $329k |
| Home purchase share | 20.3% | 49.0% | 33.4% | 57.0% |
| FHA-insured share | 0.7% | 8.7% | 6.8% | 13.4% |
| VA-guaranteed share | 0.0% | 6.3% | 2.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaine, all lenders
Loan purpose and loan type in Maine
By purpose
Home purchase 20% (29)Home improvement 31% (44)Refinancing 25% (36)Cash-out refinancing 3% (4)Other purpose 21% (30)
By type
Conventional 99% (142)FHA 1% (1)
Denial reasons as coded
Share of 71 denials in Maine by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maine
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| York County | 117 | 69 | $18m | 31.1% |
| Cumberland County | 68 | 42 | $9.0m | 26.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did M&T Bank originate in Maine in 2024?
143 loans totalling $33m, from 250 applications reported for properties in Maine.
What is M&T Bank's denial rate in Maine?
32.1% of decided applications in Maine were denied, against 20.9% 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 Maine counties does M&T Bank lend in most?
By originations: York County (69), Cumberland County (42).
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 Maine. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.