M&t Realty Capital Corporation Mortgage Rates, Fees & Info
Baltimore, MDLEI: 254900KKWIJLOTNP7667
Tax ID: 52-1075143
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Mortgage Data
Review & Overview
M&t Realty Capital Corporation is a small mortgage company specializing in Refi and Home Purchase loans. M&t Realty Capital Corporation has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Phoenix, Seattle, Washington, Indianapolis, and Miami among others. We have data for 52 markets. (Some data included below & more in-depth data is available with an active subscription.)M&t Realty Capital Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
106Origination Dollar Volume (All Markets)
$2,887,080,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 13 | $512,655,000 | $39,435,000 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $202,495,000 | $28,927,857 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $184,110,000 | $30,685,000 | $0 | 0.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 6 | $173,730,000 | $28,955,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $169,030,000 | $84,515,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $147,990,000 | $36,997,500 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 8 | $116,440,000 | $14,555,000 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $106,440,000 | $53,220,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $105,605,000 | $105,605,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $70,555,000 | $70,555,000 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $67,055,000 | $22,351,667 | $0 | 0.00% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $65,225,000 | $65,225,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $59,865,000 | $59,865,000 | $0 | 0.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $56,190,000 | $28,095,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $52,505,000 | $52,505,000 | $0 | 0.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $49,725,000 | $49,725,000 | $0 | 0.00% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $49,480,000 | $24,740,000 | $0 | 0.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $47,315,000 | $47,315,000 | $0 | 0.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $43,020,000 | $10,755,000 | $0 | 0.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $39,175,000 | $39,175,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $38,395,000 | $38,395,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $37,375,000 | $37,375,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $37,200,000 | $18,600,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $36,235,000 | $36,235,000 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $33,915,000 | $33,915,000 | $0 | 0.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $32,825,000 | $32,825,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $27,565,000 | $27,565,000 | $0 | 0.00% |
| SALEM, OR (FHA|USDA|VA) | 1 | $26,415,000 | $26,415,000 | $0 | 0.00% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $25,930,000 | $12,965,000 | $0 | 0.00% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $22,105,000 | $7,368,333 | $0 | 0.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $21,460,000 | $10,730,000 | $0 | 0.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $19,845,000 | $19,845,000 | $0 | 0.00% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $18,385,000 | $18,385,000 | $0 | 0.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $18,290,000 | $9,145,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $18,005,000 | $18,005,000 | $0 | 0.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $16,735,000 | $16,735,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 2 | $13,360,000 | $6,680,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $13,335,000 | $13,335,000 | $0 | 0.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $11,435,000 | $11,435,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $11,255,000 | $11,255,000 | $0 | 0.00% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $10,845,000 | $10,845,000 | $0 | 0.00% |
| Batavia, NY (FHA|USDA|VA) | 1 | $9,585,000 | $9,585,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $8,645,000 | $8,645,000 | $0 | 0.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $8,025,000 | $8,025,000 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $7,925,000 | $7,925,000 | $0 | 0.00% |
| Easton, MD (FHA|USDA|VA) | 1 | $7,405,000 | $7,405,000 | $0 | 0.00% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $7,155,000 | $7,155,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $7,145,000 | $7,145,000 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $6,805,000 | $6,805,000 | $0 | 0.00% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $5,415,000 | $5,415,000 | $0 | 0.00% |
| Athens, OH (FHA|USDA|VA) | 1 | $4,955,000 | $4,955,000 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $4,505,000 | $4,505,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 94 | $2,754,390,000 | $29,302,021 | $0 | 0.00% |
| FHA | 12 | $132,690,000 | $11,057,500 | $0 | 0.00% |
For 2023, M&t Realty Capital Corporation's most frequently originated type of loan was Conventional, with 94 originations. Their 2nd most popular type was FHA, with 12 originations.
Loan Reason
For 2023, M&t Realty Capital Corporation's most frequently cited loan purpose was Refi, with 70 originations. The 2nd most popular reason was Home Purchase, with 33 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 106 | $2,887,080,000 | $27,236,604 | $0 | 0.00% |
For 2023, M&t Realty Capital Corporation's most frequently cited loan duration was Other, with 106 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 106 | $2,887,080,000 | $27,236,604 | $0 | 0.00% |
2023 saw M&t Realty Capital Corporation place emphasis on $1MM+ loans with 106 originations, totaling $2,887,080,000 in origination value.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 106 | $2,887,080,000 | $27,236,604 | $0 | 0.00% |
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 106 | $2,887,080,000 | $27,236,604 | $0 | 0.00% |
Approval Rates
Total approvals of all applications98.59%
M&t Realty Capital Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination67.92%
M&t Realty Capital Corporation has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 106 | $2,887,080,000 | $27,236,604 |