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M&T Bank in Pennsylvania

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

LEI WWB2V0FCW3A0EE3ZJN75
Reporting agency Consumer Financial Protection Bureau
State Pennsylvania

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 Pennsylvania, M&T Bank reported 4,463 applications and 2,822 originations for 2024, $402m in all.

Its denial rate in the state was 30.1%, above the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 34.1%.

The median rate spread on its Pennsylvania originations was 0.7 percentage points (state median 0.3).

Applications in the state were up 10% on 2023.

4,463applications in PA, 202412.5% of the lender's total
2,822loans originated$402m
30.1%denial ratePA all lenders 24.2%
0.7 ppmedian rate spreadPA 0.3 pp

Compared with the state and the lender's national record

MeasureIn PennsylvaniaPennsylvania, all lendersM&T Bank, all statesUnited States
Denial rate30.1%24.2%34.1%24.3%
Median rate spread, pp0.70.30.50.3
Originations with spread of 1.5 pp or more31.8%14.1%30.2%15.6%
Average originated loan$142k$226k$259k$329k
Home purchase share18.8%48.7%33.4%57.0%
FHA-insured share5.0%9.8%6.8%13.4%
VA-guaranteed share0.4%4.0%2.8%7.9%

Trend by year

ApplicationsOriginations

02730.55,4612022: 5,461 Applications2023: 4,066 Applications2024: 4,463 Applications2022: 3,616 Originations2023: 2,560 Originations2024: 2,822 Originations202220232024
M&T Bank in Pennsylvania: applications and originations, 2022–2024

This lender in statePennsylvania, all lenders

0%15.1%30.1%2022: 26.7% This lender in state2023: 29.9% This lender in state2024: 30.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Pennsylvania

By purpose

Home purchase 19% (531)Home improvement 25% (704)Refinancing 38% (1,085)Cash-out refinancing 3% (97)Other purpose 14% (405)

By type

Conventional 94% (2,666)FHA 5% (141)VA 0% (12)USDA 0% (3)

Denial reasons as coded

Credit history46.1%
Debt-to-income ratio30.7%
Collateral13.1%
Other7.5%
Unverifiable information1%
Employment history0.7%
Insufficient cash (downpayment, closing costs)0.6%
Credit application incomplete0.3%
Mortgage insurance denied0%

Share of 1,270 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).

Counties in Pennsylvania

CountyApplicationsOriginationsAmountDenial rate
York County819560$70m25.3%
Luzerne County385248$32m29.8%
Franklin County281213$27m18.1%
Berks County279178$22m32.0%
Schuylkill County272154$16m34.7%
Cumberland County191142$22m20.2%
Lancaster County186121$24m29.1%
Dauphin County181109$15m31.5%
Blair County11987$8.4m21.2%
Northumberland County11170$6.1m26.3%
Adams County9669$8.4m25.5%
Delaware County10766$15m29.6%
Montgomery County9763$22m27.2%
Chester County9260$19m30.7%
Centre County8360$8.5m22.2%
Philadelphia County14254$9.3m55.9%
Lebanon County7552$6.8m21.7%
Bucks County7744$12m41.6%
Lycoming County7538$3.4m35.3%
Bedford County5638$3.5m27.8%
Columbia County5936$3.7m30.9%
Union County4633$4.1m22.7%
Bradford County4730$3.4m31.1%
Lehigh County6627$3.5m52.5%
Monroe County5027$5.0m39.1%
Lackawanna County5425$2.6m46.0%
Snyder County3418$2.3m40.6%
Northampton County3717$3.1m48.6%
Carbon County2616$1.7m34.6%
Wyoming County2715$1.5m—
Allegheny County3412$2.2m56.3%

Counties with at least 25 applications, by originations.

Questions and answers

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

2,822 loans totalling $402m, from 4,463 applications reported for properties in Pennsylvania.

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

30.1% of decided applications in Pennsylvania were denied, against 24.2% 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 Pennsylvania counties does M&T Bank lend in most?

By originations: York County (560), Luzerne County (248), Franklin County (213), Berks County (178), Schuylkill County (154).

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 Pennsylvania. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.