M&T Bank in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas 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 Texas covers 155 applications, 101 of them originated, worth $28m.
Its denial rate in the state was 16.0%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 34.1%.
The median rate spread on its Texas originations was 0.1 percentage points (state median 0.2).
Applications in the state were up 50% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | M&T Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.0% | 26.0% | 34.1% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 11.8% | 30.2% | 15.6% |
| Average originated loan | $282k | $350k | $259k | $329k |
| Home purchase share | 79.2% | 72.8% | 33.4% | 57.0% |
| FHA-insured share | 21.8% | 19.8% | 6.8% | 13.4% |
| VA-guaranteed share | 50.5% | 10.4% | 2.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 79% (80)Refinancing 13% (13)Other purpose 8% (8)
By type
Conventional 28% (28)FHA 22% (22)VA 50% (51)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Texas
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did M&T Bank originate in Texas in 2024?
101 loans totalling $28m, from 155 applications reported for properties in Texas.
What is M&T Bank's denial rate in Texas?
16.0% of decided applications in Texas were denied, against 26.0% 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 Texas 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 Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.