M&T Bank in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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.
In Ohio, M&T Bank reported 109 applications and 62 originations for 2024, $14m in all.
Its denial rate in the state was 23.3%, close to the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 34.1%.
The median rate spread on its Ohio originations was 0.3 percentage points (state median 0.5).
Applications in the state were down 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | M&T Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.3% | 23.5% | 34.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.3% | 17.7% | 30.2% | 15.6% |
| Average originated loan | $222k | $218k | $259k | $329k |
| Home purchase share | 32.3% | 51.7% | 33.4% | 57.0% |
| FHA-insured share | 46.8% | 12.3% | 6.8% | 13.4% |
| VA-guaranteed share | 16.1% | 5.9% | 2.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 32% (20)Refinancing 8% (5)Cash-out refinancing 39% (24)Other purpose 21% (13)
By type
Conventional 35% (22)FHA 47% (29)VA 16% (10)USDA 2% (1)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Ohio
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did M&T Bank originate in Ohio in 2024?
62 loans totalling $14m, from 109 applications reported for properties in Ohio.
What is M&T Bank's denial rate in Ohio?
23.3% of decided applications in Ohio were denied, against 23.5% 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 Ohio 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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.