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M&T Bank in New York

HMDA record for properties in New York, calendar year 2024. National record · New York overview

LEI WWB2V0FCW3A0EE3ZJN75
Reporting agency Consumer Financial Protection Bureau
State New York

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.

In New York, M&T Bank reported 11,292 applications and 6,725 originations for 2024, $1.3bn in all.

Its denial rate in the state was 33.5%, above the New York rate of 25.4% across all lenders and compared with the lender's national rate of 34.1%.

The median rate spread on its New York originations was 0.5 percentage points (state median 0.3).

Applications in the state were up 5% on 2023.

11,292applications in NY, 202431.5% of the lender's total
6,725loans originated$1.3bn
33.5%denial rateNY all lenders 25.4%
0.5 ppmedian rate spreadNY 0.3 pp

Compared with the state and the lender's national record

MeasureIn New YorkNew York, all lendersM&T Bank, all statesUnited States
Denial rate33.5%25.4%34.1%24.3%
Median rate spread, pp0.50.30.50.3
Originations with spread of 1.5 pp or more35.6%15.0%30.2%15.6%
Average originated loan$200k$446k$259k$329k
Home purchase share41.5%55.3%33.4%57.0%
FHA-insured share7.4%7.4%6.8%13.4%
VA-guaranteed share0.9%2.4%2.8%7.9%

Trend by year

ApplicationsOriginations

07,63815,2762022: 15,276 Applications2023: 10,767 Applications2024: 11,292 Applications2022: 9,848 Originations2023: 6,388 Originations2024: 6,725 Originations202220232024
M&T Bank in New York: applications and originations, 2022–2024

This lender in stateNew York, all lenders

0%16.8%33.6%2022: 28.1% This lender in state2023: 33.6% This lender in state2024: 33.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in New York

By purpose

Home purchase 42% (2,792)Home improvement 28% (1,893)Refinancing 12% (798)Cash-out refinancing 6% (414)Other purpose 12% (828)

By type

Conventional 92% (6,162)FHA 7% (501)VA 1% (58)USDA 0% (4)

Denial reasons as coded

Debt-to-income ratio38.5%
Credit history32.6%
Collateral16.7%
Other8%
Unverifiable information1.4%
Insufficient cash (downpayment, closing costs)1.1%
Employment history0.9%
Credit application incomplete0.7%
Mortgage insurance denied0.1%

Share of 3,523 denials in New York by first denial reason coded (outlined bar: all lenders in the state).

Counties in New York

CountyApplicationsOriginationsAmountDenial rate
Erie County3,0472,109$383m23.9%
Suffolk County943477$136m42.9%
Monroe County706399$48m35.0%
Onondaga County631366$56m34.2%
Niagara County464329$52m25.6%
Westchester County478250$84m40.4%
Broome County371241$33m25.2%
Chautauqua County252183$23m22.5%
Nassau County348175$63m43.6%
Dutchess County261165$38m31.6%
Orange County279151$29m40.8%
Oneida County225132$17m33.5%
Queens County289119$40m53.0%
Ulster County179110$31m35.3%
Albany County155108$19m26.4%
Kings County25398$45m55.4%
Rockland County19293$23m45.6%
Genesee County12483$11m26.7%
Cayuga County11271$8.0m27.5%
Rensselaer County9864$10.0m27.8%
Putnam County10363$15m35.0%
Richmond County13954$13m55.6%
Tompkins County7751$11m22.9%
Cattaraugus County10050$6.6m43.8%
Saratoga County8850$12m35.8%
Herkimer County8350$5.1m30.1%
New York County9049$38m29.2%
Bronx County13244$8.2m60.5%
Orleans County6541$4.8m35.9%
Schenectady County7840$5.0m41.7%
Chemung County6240$5.5m23.6%
Wyoming County5036$3.5m22.9%
Tioga County6433$3.7m41.1%
Madison County5433$5.0m32.7%
Ontario County5432$4.6m35.8%
Cortland County4331$4.5m24.4%
Oswego County5430$3.2m39.2%
Sullivan County6329$4.7m47.4%
Steuben County5923$4.7m45.7%
Livingston County4023$3.2m38.5%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did M&T Bank originate in New York in 2024?

6,725 loans totalling $1.3bn, from 11,292 applications reported for properties in New York.

What is M&T Bank's denial rate in New York?

33.5% of decided applications in New York were denied, against 25.4% 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 New York counties does M&T Bank lend in most?

By originations: Erie County (2,109), Suffolk County (477), Monroe County (399), Onondaga County (366), Niagara County (329).

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 New York. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.