LEI WWB2V0FCW3A0EE3ZJN75 · BUFFALO, NY
M&T Bank
Originated-loan volume lands in the upper fleet tercile (20,743 funded) among 36,377 reported applications in the 2024 HMDA Snapshot.
Originated-volume tercile vs fleet
M&T Bank funded 20,743 mortgages, upper fleet tercile (above ~310 originations), ranking #41 of 4,908 by originated-loan volume but #700 of 1,076 lenders with 1,000+ applications on origination share (57.0%). Easy Street Capital LLC leads that origination-share board at 100.0% on 1,937 applications.
- #700
- Origination-share rank of 1,076
- 57.0%
- Origination share
- 20,743
- Originated
- 30.9%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
36,377reported applications
Where M&T Bank sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
20,743 Top 1% higher than 99% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · M&T Bank
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · M&T Bank
Lender-reported HMDA denial-reason counts (top reasons shown).
High-volume book. M&T Bank funded 20,743 mortgages, above the fleet upper tercile (~310 originations) - so absolute denial and purpose counts matter more here than at thin reporters. Most-cited denial codes: Debt-to-income ratio, Credit history, Collateral. Program weight concentrates in Conventional (32,433 applications).
How to read M&T Bank. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · M&T Bank
M&T Bank filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 32,433 | 18,733 | 10,630 | $227,211 |
| FHA | 3,020 | 1,416 | 529 | $227,788 |
| VA | 894 | 581 | 86 | $357,103 |
| USDA | 30 | 13 | 3 | $158,333 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for M&T Bank (LEI: WWB2V0FCW3A0EE3ZJN75) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Improvement | 12,073 | 5,451 | $121,155 |
| Home Purchase | 9,753 | 6,934 | $403,394 |
| Refinancing | 6,152 | 4,267 | $247,139 |
| Other | 5,508 | 2,722 | $134,049 |
| Cash-out Refinancing | 2,637 | 1,369 | $262,410 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 24,849 | 62.5% | 27.9% |
| Black or African American | 4,093 | 37.5% | 51.2% |
| Asian | 2,285 | 58.6% | 29.2% |
| Joint | 561 | 67.4% | 21.0% |
| American Indian or Alaska Native | 186 | 38.2% | 53.2% |
| Native Hawaiian or Other Pacific Islander | 156 | 33.3% | 59.0% |
| 2 or more minority races | 87 | 27.6% | 63.2% |
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 29,006 | 60.5% | 29.3% |
| Hispanic or Latino | 3,013 | 38.3% | 50.9% |
| Joint | 580 | 62.1% | 29.3% |
Nearby Lenders in NY
Other HMDA-reporting lenders in NY with similar activity. Compare any two side-by-side.
One of 193 other HMDA-reporting lenders in NY, 5 are shown here.
Citibank, NA
New York, NY
Loan Funder LLC
New York, NY
Bethpage Federal Credit Union
BETHPAGE, NY
Better Mortgage Corporation
New York, NY
Morgan Stanley Private Bank NA
Purchase, NY
Nationwide lenders with similar profiles
Two HMDA peer sets for M&T Bank, both outside NY so the neighborhoods are not state containment (the Nearby list above stays in-state). Peers are drawn from lenders with ≥1,000 applications, the same floor used on approval and denial rankings.
Similar denial rate
Nearest other-state lenders by denial rate (30.9% here).
Similar application volume
Nearest other-state lenders by total applications (36,377 here).
Read with M&T Bank
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for M&T Bank (LEI WWB2V0FCW3A0EE3ZJN75).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at M&T Bank.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This M&T Bank page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.