M&T BANK (2025)
Official HMDA public records summary of residential mortgage lending for M&T BANK. Review underwriting credit decisions, consumer product distribution, and national lending volume.
Lender Profile
#72 of 2,712
8,655
Loans Originated
• 0.21% National Market Share
• $4.22 Billion Originated Volume
• $355,000 Median Loan
Actionable Applications
10,144
Decisioned (Actions 1–3)
Approval Rate
86.69%
86.69% of actionable
Denial Rate
13.31%
13.31% of actionable
Loan Originations
8,655
85.32% funded rate
Originated Volume
$4.22 Billion
Median: $355,000
Application Outcomes (2025)
Outcomes for 10,144 actionable applications (Actions 1, 2, and 3).
Action 1: Originated
8,655
(85.32%)
Action 2: Approved not accepted
139
(1.37%)
Action 3: Denied
1,350
(13.31%)
Action 4: Withdrawn (not in denominator)
2,242
—
Action 5: Incomplete (not in denominator)
280
—
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →
How M&T BANK Compares
Institution vs. National Baseline (2025)
| Metric | M&T BANK | U.S. National |
|---|---|---|
| Actionable Apps | 10,144 | 5,197,320 |
| Approval Rate | 86.69% | 82.12% |
| Denial Rate | 13.31% | 17.88% |
| Originations | 8,655 | 4,052,301 |
| Originated Volume | $4.22 Billion | $1.58 Trillion |
| Median Loan | $355,000 | $325,000 |
Loan Product Mix (2025)
Distribution across Conventional, FHA, VA, and USDA loan types
| Loan Product | Apps | Originations | Approval % |
|---|---|---|---|
| Conventional | 7,419 | 6,687 | 91.45% |
| FHA | 1,947 | 1,294 | 68.21% |
| VA | 767 | 670 | 88.27% |
| USDA/RHS/FSA | 11 | 4 | 36.36% |
Regulatory & Corporate Profile
Official entity details from CFPB Transmittal Sheet
Legal Entity Identifier (ISO 17442 LEI)
WWB2V0FCW3A0EE3ZJN75
Reported Corporate Headquarters
BUFFALO, NY
National Origination Rank
Rank #72 by Action 1 Originations
Data Collection Basis
Regulation C (12 CFR Part 1003) Annual LAR Submission
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →Top 100 Lenders
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