M&t Bank Mortgage Rates, Fees & Info

Buffalo, NY

LEI: WWB2V0FCW3A0EE3ZJN75

Tax ID: 16-0538020

2.3 stars - Updated: 6/17/24 - out of 5 stars, based on 133 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

M&t Bank is a mid-sized bank specializing in Home Purchase loans. M&t Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Buffalo, Boston, Washington, and Baltimore among others. We have data for 405 markets. (Some data included below & more in-depth data is available with an active subscription.)

M&t Bank has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. M&t Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 6/17/24
30 Year Conventional Purchase 6.46% 6/17/24
30 Year Conventional Refi 6.40% 6/17/24
30 Year Cash-out Refi 6.64% 6/17/24
30 Year FHA Purchase 7.24% 6/17/24
30 Year FHA Refi 7.15% 6/17/24
30 Year VA Purchase 6.11% 6/17/24
30 Year VA Refi 5.94% 6/17/24
30 Year USDA Purchase 7.05% 6/17/24
30 Year USDA Refi 6.27% 6/17/24
15 Year Conventional Purchase 6.14% 6/17/24
15 Year Conventional Refi 6.16% 6/17/24
15 Year Cash-out Refi 6.16% 6/17/24
15 Year FHA Purchase 7.17% 6/17/24
15 Year FHA Refi 7.04% 6/17/24
15 Year VA Purchase 6.24% 6/17/24
15 Year VA Refi 5.94% 6/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

M&t Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from M&t Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

17,611

Origination Dollar Volume (All Markets)

$4,035,035,000
Show all (44) awards

Relative Rate

M&t Bank's average 30 year fixed mortgage rate was 8.16%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 1.68%.

Relative Fees (Closing Costs)

M&t Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $6,708.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top 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
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2,067 $653,275,000 $316,050 $7,876 7.72%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2,429 $403,225,000 $166,005 $5,383 7.46%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 496 $284,340,000 $573,266 $6,555 7.25%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 848 $278,630,000 $328,573 $8,140 7.98%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1,292 $220,770,000 $170,875 $6,710 8.53%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 677 $191,165,000 $282,371 $7,501 8.19%
SALISBURY, MD-DE (FHA|USDA|VA) 361 $154,605,000 $428,269 $6,808 8.64%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 591 $150,155,000 $254,069 $5,815 8.22%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 683 $137,735,000 $201,662 $7,303 8.27%
YORK-HANOVER, PA (FHA|USDA|VA) 499 $86,405,000 $173,156 $5,683 8.27%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 79 $81,975,000 $1,037,658 $9,271 7.30%
Outside of Metro Areas 475 $81,305,000 $171,168 $6,374 7.63%
ROCHESTER, NY (FHA|USDA|VA) 520 $71,140,000 $136,808 $5,689 8.16%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 318 $67,170,000 $211,226 $6,930 7.80%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 323 $56,395,000 $174,598 $6,276 8.21%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 84 $53,290,000 $634,405 $5,031 7.94%
SYRACUSE, NY (FHA|USDA|VA) 389 $50,475,000 $129,756 $5,452 7.74%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 258 $43,880,000 $170,078 $6,370 6.22%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 17 $35,805,000 $2,106,176 $7,360 7.55%
BINGHAMTON, NY (FHA|USDA|VA) 282 $32,140,000 $113,972 $5,194 7.42%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 263 $32,035,000 $121,806 $6,614 8.45%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 206 $25,940,000 $125,922 $6,126 8.14%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 106 $23,480,000 $221,509 $4,767 8.43%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 199 $23,365,000 $117,412 $4,962 6.88%
SPRINGFIELD, MA (FHA|USDA|VA) 157 $23,175,000 $147,611 $6,434 8.95%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 182 $22,030,000 $121,044 $5,798 8.32%
LANCASTER, PA (FHA|USDA|VA) 113 $17,505,000 $154,912 $8,389 8.23%
READING, PA (FHA|USDA|VA) 152 $17,290,000 $113,750 $6,656 8.52%
UTICA-ROME, NY (FHA|USDA|VA) 133 $17,045,000 $128,158 $5,855 7.12%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 56 $16,700,000 $298,214 $7,974 6.05%
RALEIGH-CARY, NC (FHA|USDA|VA) 15 $16,635,000 $1,109,000 $7,616 6.86%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 19 $15,205,000 $800,263 $7,374 7.31%
DOVER, DE (FHA|USDA|VA) 110 $14,710,000 $133,727 $5,478 8.83%
OCEAN CITY, NJ (FHA|USDA|VA) 15 $13,645,000 $909,667 $7,337 7.60%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 14 $13,010,000 $929,286 $7,010 6.58%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 107 $12,765,000 $119,299 $5,858 8.93%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 67 $12,535,000 $187,090 $4,271 8.63%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 86 $12,290,000 $142,907 $5,211 7.51%
RICHMOND, VA (FHA|USDA|VA) 62 $12,030,000 $194,032 $6,899 8.33%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $11,865,000 $1,318,333 $11,275 6.51%
Pottsville, PA (FHA|USDA|VA) 128 $11,780,000 $92,031 $5,106 8.47%
WORCESTER, MA-CT (FHA|USDA|VA) 74 $11,750,000 $158,784 $6,093 8.59%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 74 $11,720,000 $158,378 $8,424 8.21%
ITHACA, NY (FHA|USDA|VA) 53 $11,585,000 $218,585 $5,081 7.18%
GETTYSBURG, PA (FHA|USDA|VA) 76 $10,980,000 $144,474 $5,640 8.33%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 15 $10,935,000 $729,000 $7,366 5.58%
KINGSTON, NY (FHA|USDA|VA) 61 $10,245,000 $167,951 $6,452 8.47%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 14 $10,200,000 $728,571 $10,982 6.72%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 20 $9,700,000 $485,000 $7,121 7.18%
Batavia, NY (FHA|USDA|VA) 89 $9,625,000 $108,146 $4,974 8.25%
STATE COLLEGE, PA (FHA|USDA|VA) 61 $8,765,000 $143,689 $5,250 7.94%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 42 $8,290,000 $197,381 $6,350 6.57%
ALTOONA, PA (FHA|USDA|VA) 67 $7,845,000 $117,090 $4,943 7.94%
Lebanon, NH-VT (FHA|USDA|VA) 35 $7,835,000 $223,857 $6,893 7.85%
Torrington, CT (FHA|USDA|VA) 48 $7,570,000 $157,708 $5,620 7.49%
Auburn, NY (FHA|USDA|VA) 64 $7,470,000 $116,719 $6,287 7.04%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 27 $7,355,000 $272,407 $6,326 7.56%
Keene, NH (FHA|USDA|VA) 45 $7,325,000 $162,778 $3,701 8.63%
CUMBERLAND, MD-WV (FHA|USDA|VA) 72 $7,060,000 $98,056 $5,428 8.75%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 21 $6,885,000 $327,857 $5,728 4.70%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 21 $6,515,000 $310,238 $5,918 6.47%
LEBANON, PA (FHA|USDA|VA) 52 $6,460,000 $124,231 $5,369 8.28%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 59 $6,395,000 $108,390 $5,153 8.64%
Sunbury, PA (FHA|USDA|VA) 85 $6,315,000 $74,294 $4,998 8.80%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 9 $6,055,000 $672,778 $7,417 3.41%
COLORADO SPRINGS, CO (FHA|USDA|VA) 16 $6,000,000 $375,000 $3,343 3.72%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 12 $5,910,000 $492,500 $6,334 5.28%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 34 $5,890,000 $173,235 $6,868 7.62%
Olean, NY (FHA|USDA|VA) 46 $5,800,000 $126,087 $5,926 7.35%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 21 $5,715,000 $272,143 $7,651 6.99%
JACKSONVILLE, FL (FHA|USDA|VA) 19 $5,495,000 $289,211 $5,514 5.37%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 16 $5,430,000 $339,375 $6,988 6.65%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $5,205,000 $306,176 $6,676 7.62%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 15 $5,145,000 $343,000 $5,700 4.82%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 13 $4,905,000 $377,308 $6,838 5.88%
GLENS FALLS, NY (FHA|USDA|VA) 21 $4,365,000 $207,857 $4,715 6.24%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 18 $4,320,000 $240,000 $8,751 7.93%
Easton, MD (FHA|USDA|VA) 16 $4,260,000 $266,250 $6,389 8.73%
Rutland, VT (FHA|USDA|VA) 22 $3,810,000 $173,182 $6,979 7.91%
URBAN HONOLULU, HI (FHA|USDA|VA) 5 $3,785,000 $757,000 $4,365 2.89%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 19 $3,695,000 $194,474 $5,516 6.69%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $3,555,000 $711,000 $5,651 6.05%
Lewisburg, PA (FHA|USDA|VA) 28 $3,550,000 $126,786 $5,848 8.58%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 15 $3,495,000 $233,000 $7,653 6.22%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 9 $3,475,000 $386,111 $6,659 5.00%
TUCSON, AZ (FHA|USDA|VA) 12 $3,400,000 $283,333 $3,072 3.42%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 15 $3,385,000 $225,667 $6,969 6.27%
Bennington, VT (FHA|USDA|VA) 15 $3,365,000 $224,333 $6,411 8.48%
ELMIRA, NY (FHA|USDA|VA) 20 $3,320,000 $166,000 $5,968 6.42%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 15 $3,215,000 $214,333 $6,541 6.08%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 11 $3,185,000 $289,545 $4,800 4.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 20 $3,140,000 $157,000 $6,427 6.24%
WILLIAMSPORT, PA (FHA|USDA|VA) 36 $3,110,000 $86,389 $5,708 9.20%
Steamboat Springs, CO (FHA|USDA|VA) 1 $3,105,000 $3,105,000 $5,758 6.25%
PITTSBURGH, PA (FHA|USDA|VA) 27 $3,095,000 $114,630 $6,540 8.07%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 7 $2,925,000 $417,857 $6,828 4.15%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 5 $2,885,000 $577,000 $6,472 7.38%
Cortland, NY (FHA|USDA|VA) 18 $2,840,000 $157,778 $4,599 7.89%
Vineyard Haven, MA (FHA|USDA|VA) 3 $2,815,000 $938,333 $6,578 7.74%
EAST STROUDSBURG, PA (FHA|USDA|VA) 24 $2,800,000 $116,667 $7,898 8.49%
VALLEJO, CA (FHA|USDA|VA) 6 $2,780,000 $463,333 $3,727 4.04%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 12 $2,770,000 $230,833 $3,423 4.80%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $2,765,000 $307,222 $8,104 7.83%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 12 $2,630,000 $219,167 $5,665 6.42%
Oneonta, NY (FHA|USDA|VA) 19 $2,565,000 $135,000 $6,942 5.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $2,440,000 $406,667 $4,671 6.88%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 15 $2,435,000 $162,333 $6,585 8.35%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 7 $2,425,000 $346,429 $8,389 4.54%
Cambridge, MD (FHA|USDA|VA) 9 $2,395,000 $266,111 $9,746 8.67%
ALBUQUERQUE, NM (FHA|USDA|VA) 12 $2,320,000 $193,333 $7,230 6.18%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $2,275,000 $175,000 $6,554 6.52%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $2,260,000 $565,000 $9,288 4.78%
Sayre, PA (FHA|USDA|VA) 25 $2,245,000 $89,800 $4,189 8.96%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 8 $2,240,000 $280,000 $5,773 4.54%
Hudson, NY (FHA|USDA|VA) 11 $2,225,000 $202,273 $6,857 8.91%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,220,000 $370,000 $2,447 3.90%
KANSAS CITY, MO-KS (FHA|USDA|VA) 14 $2,210,000 $157,857 $5,204 5.67%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 9 $2,205,000 $245,000 $8,455 6.57%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $2,170,000 $1,085,000 $9,406 5.81%
Laconia, NH (FHA|USDA|VA) 4 $2,160,000 $540,000 $5,349 6.81%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 7 $2,155,000 $307,857 $3,367 4.29%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 12 $2,100,000 $175,000 $5,440 5.79%
Concord, NH (FHA|USDA|VA) 12 $2,090,000 $174,167 $4,669 8.32%
BAKERSFIELD, CA (FHA|USDA|VA) 8 $2,010,000 $251,250 $5,925 5.32%
COLUMBUS, OH (FHA|USDA|VA) 9 $1,995,000 $221,667 $6,188 5.86%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,990,000 $331,667 $8,435 6.52%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $1,940,000 $485,000 $6,026 4.58%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $1,925,000 $213,889 $8,516 6.46%
Corning, NY (FHA|USDA|VA) 18 $1,880,000 $104,444 $5,139 6.68%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $1,860,000 $930,000 $21,881 8.57%
Edwards, CO (FHA|USDA|VA) 3 $1,845,000 $615,000 $14,074 5.96%
ANCHORAGE, AK (FHA|USDA|VA) 5 $1,735,000 $347,000 $3,606 3.72%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $1,695,000 $339,000 $3,727 4.30%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 11 $1,665,000 $151,364 $7,817 8.14%
ST. LOUIS, MO-IL (FHA|USDA|VA) 9 $1,615,000 $179,444 $7,839 6.26%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $1,575,000 $175,000 $4,803 5.36%
DuBois, PA (FHA|USDA|VA) 17 $1,525,000 $89,706 $5,256 8.18%
LOUISVILLE, KY (FHA|USDA|VA) 8 $1,520,000 $190,000 $5,322 6.17%
SALT LAKE CITY, UT (FHA|USDA|VA) 5 $1,495,000 $299,000 $4,578 5.10%
Amsterdam, NY (FHA|USDA|VA) 18 $1,440,000 $80,000 $8,460 3.73%
HUNTSVILLE, AL (FHA|USDA|VA) 7 $1,415,000 $202,143 $5,382 6.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,400,000 $233,333 $6,268 5.08%
PROVO-OREM, UT (FHA|USDA|VA) 2 $1,360,000 $680,000 $2,894 2.75%
Gloversville, NY (FHA|USDA|VA) 11 $1,355,000 $123,182 $4,803 6.98%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $1,340,000 $223,333 $5,189 7.54%
MONTGOMERY, AL (FHA|USDA|VA) 6 $1,340,000 $223,333 $4,093 4.04%
WINCHESTER, VA-WV (FHA|USDA|VA) 7 $1,335,000 $190,714 $5,588 7.97%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $1,330,000 $665,000 $6,220 7.13%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 8 $1,310,000 $163,750 $4,642 6.03%
Heber, UT (FHA|USDA|VA) 2 $1,300,000 $650,000 $11,466 7.62%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $1,230,000 $205,000 $5,413 5.15%
Seneca Falls, NY (FHA|USDA|VA) 11 $1,175,000 $106,818 $7,536 9.23%
Lock Haven, PA (FHA|USDA|VA) 13 $1,155,000 $88,846 $6,502 8.24%
Huntingdon, PA (FHA|USDA|VA) 8 $1,150,000 $143,750 $4,076 7.70%
PITTSFIELD, MA (FHA|USDA|VA) 3 $1,135,000 $378,333 $0 7.66%
Selinsgrove, PA (FHA|USDA|VA) 14 $1,080,000 $77,143 $4,571 8.91%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $1,080,000 $270,000 $6,816 5.16%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $4,680 6.50%
TULSA, OK (FHA|USDA|VA) 6 $1,020,000 $170,000 $8,059 6.69%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $26,527 6.38%
Barre, VT (FHA|USDA|VA) 11 $1,005,000 $91,364 $5,341 8.55%
SAVANNAH, GA (FHA|USDA|VA) 6 $980,000 $163,333 $6,230 7.06%
ST. GEORGE, UT (FHA|USDA|VA) 2 $980,000 $490,000 $2,659 3.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $970,000 $242,500 $7,588 6.63%
WICHITA, KS (FHA|USDA|VA) 7 $945,000 $135,000 $5,680 6.38%
SUMTER, SC (FHA|USDA|VA) 4 $940,000 $235,000 $3,027 3.90%
THE VILLAGES, FL (FHA|USDA|VA) 3 $935,000 $311,667 $11,445 6.92%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $930,000 $465,000 $4,799 6.06%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $920,000 $153,333 $5,337 6.56%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $910,000 $151,667 $7,227 6.71%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $905,000 $301,667 $6,412 6.08%
ROANOKE, VA (FHA|USDA|VA) 5 $895,000 $179,000 $4,484 7.70%
FRESNO, CA (FHA|USDA|VA) 5 $885,000 $177,000 $6,397 6.30%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $875,000 $291,667 $2,298 3.04%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $865,000 $288,333 $6,405 5.54%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $840,000 $420,000 $4,354 4.63%
Somerset, KY (FHA|USDA|VA) 1 $825,000 $825,000 $7,772 6.75%
WACO, TX (FHA|USDA|VA) 2 $820,000 $410,000 $2,884 3.19%
CHEYENNE, WY (FHA|USDA|VA) 3 $775,000 $258,333 $2,920 4.21%
COLUMBIA, SC (FHA|USDA|VA) 4 $760,000 $190,000 $6,559 6.91%
Augusta-Waterville, ME (FHA|USDA|VA) 4 $750,000 $187,500 $6,175 7.19%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $725,000 $145,000 $5,706 6.53%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $710,000 $177,500 $5,502 6.63%
ASHEVILLE, NC (FHA|USDA|VA) 2 $710,000 $355,000 $6,629 6.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $695,000 $231,667 $6,807 5.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 6 $680,000 $113,333 $5,825 6.58%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $680,000 $170,000 $5,520 5.41%
Glenwood Springs, CO (FHA|USDA|VA) 1 $675,000 $675,000 $7,438 5.50%
JOHNSTOWN, PA (FHA|USDA|VA) 4 $670,000 $167,500 $6,664 6.69%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $655,000 $218,333 $4,763 6.75%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $640,000 $320,000 $8,788 6.38%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $640,000 $320,000 $8,990 7.31%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $640,000 $320,000 $17,185 6.13%
DECATUR, AL (FHA|USDA|VA) 4 $620,000 $155,000 $5,775 7.13%
WILMINGTON, NC (FHA|USDA|VA) 3 $615,000 $205,000 $2,578 5.17%
GREAT FALLS, MT (FHA|USDA|VA) 3 $615,000 $205,000 $3,339 4.25%
Outside of Metro Areas 2 $610,000 $305,000 $6,274 5.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $600,000 $300,000 $10,414 4.75%
OCALA, FL (FHA|USDA|VA) 4 $600,000 $150,000 $8,590 7.47%
SPARTANBURG, SC (FHA|USDA|VA) 3 $585,000 $195,000 $6,474 6.21%
Statesboro, GA (FHA|USDA|VA) 1 $565,000 $565,000 $719 4.87%
Russellville, AR (FHA|USDA|VA) 3 $565,000 $188,333 $3,913 5.67%
Danville, VA (FHA|USDA|VA) 3 $565,000 $188,333 $6,102 6.83%
Key West, FL (FHA|USDA|VA) 1 $565,000 $565,000 $3,183 3.13%
Plattsburgh, NY (FHA|USDA|VA) 3 $535,000 $178,333 $5,670 6.25%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $530,000 $265,000 $1,814 2.31%
BOISE CITY, ID (FHA|USDA|VA) 2 $530,000 $265,000 $2,627 5.38%
LYNCHBURG, VA (FHA|USDA|VA) 2 $510,000 $255,000 $10,751 7.81%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $510,000 $255,000 $1,163 2.26%
BANGOR, ME (FHA|USDA|VA) 4 $510,000 $127,500 $5,470 6.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $495,000 $495,000 $2,102 2.38%
Richmond-Berea, KY (FHA|USDA|VA) 3 $495,000 $165,000 $4,144 5.50%
JACKSON, MS (FHA|USDA|VA) 2 $490,000 $245,000 $13,093 7.00%
BATON ROUGE, LA (FHA|USDA|VA) 4 $490,000 $122,500 $7,272 7.03%
AKRON, OH (FHA|USDA|VA) 3 $485,000 $161,667 $3,174 4.67%
KNOXVILLE, TN (FHA|USDA|VA) 3 $475,000 $158,333 $6,828 6.71%
Brookhaven, MS (FHA|USDA|VA) 1 $475,000 $475,000 $3,907 5.38%
EL PASO, TX (FHA|USDA|VA) 2 $470,000 $235,000 $1,190 3.63%
Mountain Home, ID (FHA|USDA|VA) 2 $470,000 $235,000 $2,198 4.75%
St. Marys, GA (FHA|USDA|VA) 2 $460,000 $230,000 $3,080 5.06%
FORT COLLINS, CO (FHA|USDA|VA) 1 $455,000 $455,000 $2,423 7.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $455,000 $455,000 $3,147 2.25%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $450,000 $225,000 $10,496 6.50%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $430,000 $215,000 $10,350 6.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $7,040 6.06%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $425,000 $425,000 $9,524 5.75%
FAIRBANKS, AK (FHA|USDA|VA) 1 $425,000 $425,000 $3,152 2.88%
MISSOULA, MT (FHA|USDA|VA) 1 $425,000 $425,000 $3,004 2.25%
Menomonie, WI (FHA|USDA|VA) 1 $415,000 $415,000 $1,207 3.99%
SANTA FE, NM (FHA|USDA|VA) 1 $415,000 $415,000 $2,421 2.49%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $410,000 $205,000 $8,596 6.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $405,000 $135,000 $6,647 5.96%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 3 $405,000 $135,000 $3,083 8.36%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $405,000 $135,000 $6,544 6.33%
MOBILE, AL (FHA|USDA|VA) 3 $395,000 $131,667 $7,150 6.71%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $390,000 $195,000 $7,085 7.06%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $385,000 $385,000 $21,270 5.75%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $380,000 $190,000 $8,346 6.81%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $380,000 $190,000 $2,794 4.13%
LONGVIEW, WA (FHA|USDA|VA) 1 $375,000 $375,000 $335 2.25%
LOGAN, UT-ID (FHA|USDA|VA) 1 $375,000 $375,000 $2,448 2.50%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $370,000 $185,000 $8,017 6.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $365,000 $73,000 $4,987 6.85%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $365,000 $365,000 $1,630 2.29%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 4 $350,000 $87,500 $3,902 6.71%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $340,000 $170,000 $7,546 6.06%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $335,000 $335,000 $2,334 6.63%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $330,000 $165,000 $7,953 6.56%
Columbus, MS (FHA|USDA|VA) 2 $330,000 $165,000 $4,112 5.06%
La Grande, OR (FHA|USDA|VA) 2 $330,000 $165,000 $7,897 6.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $330,000 $165,000 $6,957 6.44%
Durango, CO (FHA|USDA|VA) 2 $320,000 $160,000 $3,306 6.12%
TOLEDO, OH (FHA|USDA|VA) 2 $320,000 $160,000 $6,486 6.44%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $320,000 $160,000 $7,478 7.69%
Garden City, KS (FHA|USDA|VA) 2 $320,000 $160,000 $6,397 6.69%
Celina, OH (FHA|USDA|VA) 1 $315,000 $315,000 $4,343 7.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $315,000 $315,000 $2,418 2.63%
APPLETON, WI (FHA|USDA|VA) 2 $310,000 $155,000 $5,543 6.75%
PEORIA, IL (FHA|USDA|VA) 2 $310,000 $155,000 $8,835 6.13%
BOULDER, CO (FHA|USDA|VA) 1 $305,000 $305,000 $6,586 6.88%
Newport, OR (FHA|USDA|VA) 1 $305,000 $305,000 $6,281 6.63%
Beaver Dam, WI (FHA|USDA|VA) 1 $305,000 $305,000 $1,924 3.38%
BELLINGHAM, WA (FHA|USDA|VA) 1 $305,000 $305,000 $9,181 5.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $305,000 $305,000 $869 2.25%
MERCED, CA (FHA|USDA|VA) 2 $300,000 $150,000 $6,103 6.13%
Crescent City, CA (FHA|USDA|VA) 1 $295,000 $295,000 $10,132 7.13%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $295,000 $295,000 $11,376 5.75%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $295,000 $295,000 $4,100 6.50%
ALBANY, GA (FHA|USDA|VA) 2 $290,000 $145,000 $6,137 6.56%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $290,000 $145,000 $6,919 6.44%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $290,000 $145,000 $3,606 6.25%
FLINT, MI (FHA|USDA|VA) 2 $290,000 $145,000 $5,258 6.38%
YUBA CITY, CA (FHA|USDA|VA) 1 $285,000 $285,000 $7,511 6.63%
FLORENCE, SC (FHA|USDA|VA) 1 $285,000 $285,000 $3,149 2.99%
GREEN BAY, WI (FHA|USDA|VA) 2 $280,000 $140,000 $8,625 6.63%
Mount Vernon, OH (FHA|USDA|VA) 2 $280,000 $140,000 $7,497 5.94%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $280,000 $140,000 $5,860 5.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $280,000 $140,000 $6,118 7.38%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $275,000 $275,000 $6,842 5.75%
STOCKTON, CA (FHA|USDA|VA) 1 $275,000 $275,000 $7,308 6.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $275,000 $275,000 $2,451 6.88%
LAFAYETTE, LA (FHA|USDA|VA) 1 $275,000 $275,000 $1,035 2.63%
North Wilkesboro, NC (FHA|USDA|VA) 1 $275,000 $275,000 $13,913 7.50%
JOPLIN, MO (FHA|USDA|VA) 2 $270,000 $135,000 $7,275 6.38%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $270,000 $135,000 $7,518 7.00%
LAREDO, TX (FHA|USDA|VA) 1 $265,000 $265,000 $10,401 5.50%
Oxford, MS (FHA|USDA|VA) 1 $265,000 $265,000 $3,545 6.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $265,000 $265,000 $5,107 7.38%
RAPID CITY, SD (FHA|USDA|VA) 1 $265,000 $265,000 $2,291 2.69%
Red Wing, MN (FHA|USDA|VA) 1 $265,000 $265,000 $7,719 6.88%
MANSFIELD, OH (FHA|USDA|VA) 1 $255,000 $255,000 $13,295 6.75%
Vidalia, GA (FHA|USDA|VA) 1 $255,000 $255,000 $5,509 6.25%
Hilo, HI (FHA|USDA|VA) 1 $255,000 $255,000 $4,071 3.50%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $255,000 $255,000 $8,431 5.75%
LUBBOCK, TX (FHA|USDA|VA) 1 $255,000 $255,000 $8,280 6.25%
Albert Lea, MN (FHA|USDA|VA) 2 $250,000 $125,000 $4,581 5.38%
Marion, OH (FHA|USDA|VA) 2 $250,000 $125,000 $6,208 6.63%
Traverse City, MI (FHA|USDA|VA) 1 $245,000 $245,000 $7,639 7.25%
Montrose, CO (FHA|USDA|VA) 1 $245,000 $245,000 $10,386 6.88%
POCATELLO, ID (FHA|USDA|VA) 1 $245,000 $245,000 $5,956 7.25%
Wilson, NC (FHA|USDA|VA) 1 $245,000 $245,000 $10,377 5.63%
CHARLESTON, WV (FHA|USDA|VA) 2 $240,000 $120,000 $10,410 10.12%
Lewistown, PA (FHA|USDA|VA) 4 $240,000 $60,000 $0 7.49%
Wooster, OH (FHA|USDA|VA) 2 $240,000 $120,000 $5,925 7.06%
MADERA, CA (FHA|USDA|VA) 1 $235,000 $235,000 $11,542 6.25%
Muskogee, OK (FHA|USDA|VA) 1 $235,000 $235,000 $6,026 7.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,915 7.38%
Clearlake, CA (FHA|USDA|VA) 1 $235,000 $235,000 $4,254 6.75%
New Castle, IN (FHA|USDA|VA) 2 $230,000 $115,000 $6,399 6.75%
Rexburg, ID (FHA|USDA|VA) 1 $225,000 $225,000 $7,356 5.88%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.63%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $225,000 $225,000 $2,007 2.75%
Ardmore, OK (FHA|USDA|VA) 2 $220,000 $110,000 $7,145 6.06%
ROCKFORD, IL (FHA|USDA|VA) 1 $215,000 $215,000 $8,247 6.13%
Ogdensburg-Massena, NY (FHA|USDA|VA) 3 $215,000 $71,667 $0 5.58%
DALTON, GA (FHA|USDA|VA) 1 $215,000 $215,000 $5,436 7.50%
Wilmington, OH (FHA|USDA|VA) 1 $215,000 $215,000 $2,820 7.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $205,000 $205,000 $10,382 6.50%
YAKIMA, WA (FHA|USDA|VA) 1 $205,000 $205,000 $7,871 6.75%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $205,000 $205,000 $8,401 6.25%
SALEM, OR (FHA|USDA|VA) 1 $205,000 $205,000 $4,055 5.88%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $205,000 $205,000 $1,549 2.38%
Brainerd, MN (FHA|USDA|VA) 1 $205,000 $205,000 $10,936 7.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $205,000 $205,000 $8,950 6.38%
MORGANTOWN, WV (FHA|USDA|VA) 2 $200,000 $100,000 $4,423 8.00%
LaGrange, GA-AL (FHA|USDA|VA) 2 $200,000 $100,000 $6,364 7.00%
Elizabeth City, NC (FHA|USDA|VA) 1 $195,000 $195,000 $9,651 6.25%
Sterling, CO (FHA|USDA|VA) 1 $195,000 $195,000 $9,724 6.75%
Marietta, OH (FHA|USDA|VA) 1 $195,000 $195,000 $10,423 6.13%
JACKSON, TN (FHA|USDA|VA) 1 $185,000 $185,000 $9,399 6.25%
Auburn, IN (FHA|USDA|VA) 1 $185,000 $185,000 $3,913 6.88%
Fort Payne, AL (FHA|USDA|VA) 1 $185,000 $185,000 $5,368 7.13%
STAUNTON, VA (FHA|USDA|VA) 2 $180,000 $90,000 $2,693 9.36%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $175,000 $175,000 $11,777 6.75%
Riverton, WY (FHA|USDA|VA) 1 $175,000 $175,000 $8,047 6.25%
Enterprise, AL (FHA|USDA|VA) 1 $175,000 $175,000 $7,168 6.25%
Albemarle, NC (FHA|USDA|VA) 1 $175,000 $175,000 $7,394 6.25%
Batesville, AR (FHA|USDA|VA) 2 $170,000 $85,000 $5,589 7.38%
Warsaw, IN (FHA|USDA|VA) 1 $165,000 $165,000 $7,378 7.25%
HAMMOND, LA (FHA|USDA|VA) 1 $165,000 $165,000 $8,141 6.25%
BILLINGS, MT (FHA|USDA|VA) 1 $155,000 $155,000 $11,293 5.88%
Palatka, FL (FHA|USDA|VA) 1 $155,000 $155,000 $1,319 2.63%
Greeneville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $8,504 5.88%
SAGINAW, MI (FHA|USDA|VA) 1 $155,000 $155,000 $9,359 6.75%
Cedar City, UT (FHA|USDA|VA) 1 $155,000 $155,000 $5,238 5.50%
Fort Polk South, LA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.75%
Whitewater, WI (FHA|USDA|VA) 1 $145,000 $145,000 $8,466 6.63%
MUNCIE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $8,681 6.25%
Jefferson, GA (FHA|USDA|VA) 1 $145,000 $145,000 $8,372 6.13%
Tupelo, MS (FHA|USDA|VA) 1 $145,000 $145,000 $9,018 6.63%
GREENVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $6,469 5.75%
Oil City, PA (FHA|USDA|VA) 1 $135,000 $135,000 $3,881 7.75%
Aberdeen, SD (FHA|USDA|VA) 1 $135,000 $135,000 $5,924 6.25%
Logansport, IN (FHA|USDA|VA) 1 $135,000 $135,000 $6,335 5.63%
Price, UT (FHA|USDA|VA) 1 $135,000 $135,000 $5,579 7.50%
IOWA CITY, IA (FHA|USDA|VA) 1 $135,000 $135,000 $6,982 7.25%
Ashland, OH (FHA|USDA|VA) 1 $135,000 $135,000 $8,850 6.63%
FARGO, ND-MN (FHA|USDA|VA) 1 $135,000 $135,000 $65 3.75%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,277 6.75%
Lincoln, IL (FHA|USDA|VA) 1 $135,000 $135,000 $7,506 6.00%
ERIE, PA (FHA|USDA|VA) 2 $130,000 $65,000 $4,153 9.46%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $125,000 $125,000 $5,248 6.25%
HATTIESBURG, MS (FHA|USDA|VA) 1 $125,000 $125,000 $5,306 6.25%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $125,000 $125,000 $4,568 7.88%
Bennettsville, SC (FHA|USDA|VA) 1 $125,000 $125,000 $4,888 7.13%
GOLDSBORO, NC (FHA|USDA|VA) 1 $125,000 $125,000 $5,101 6.63%
West Plains, MO (FHA|USDA|VA) 1 $125,000 $125,000 $9,417 6.50%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,195 6.75%
Roseburg, OR (FHA|USDA|VA) 1 $125,000 $125,000 $9,214 6.75%
Hays, KS (FHA|USDA|VA) 1 $115,000 $115,000 $7,073 6.25%
Washington Court House, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,087 6.75%
Sidney, OH (FHA|USDA|VA) 1 $105,000 $105,000 $6,016 6.38%
St. Marys, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.34%
Kendallville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $6,349 6.75%
OWENSBORO, KY (FHA|USDA|VA) 1 $105,000 $105,000 $6,650 7.50%
Union, SC (FHA|USDA|VA) 1 $105,000 $105,000 $5,763 6.75%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $105,000 $105,000 $7,388 6.75%
Frankfort, KY (FHA|USDA|VA) 1 $105,000 $105,000 $4,813 6.25%
MODESTO, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.11%
New Castle, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,357 6.63%
ROME, GA (FHA|USDA|VA) 1 $105,000 $105,000 $4,975 6.75%
Greensburg, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,219 5.75%
Somerset, PA (FHA|USDA|VA) 1 $95,000 $95,000 $4,717 7.00%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $95,000 $95,000 $6,635 6.75%
Alexander City, AL (FHA|USDA|VA) 1 $95,000 $95,000 $4,823 6.63%
PINE BLUFF, AR (FHA|USDA|VA) 1 $95,000 $95,000 $5,340 6.13%
Bedford, IN (FHA|USDA|VA) 1 $95,000 $95,000 $4,586 5.88%
Henderson, NC (FHA|USDA|VA) 1 $95,000 $95,000 $5,706 6.75%
Lewisburg, TN (FHA|USDA|VA) 1 $95,000 $95,000 $3,797 6.50%
HARRISONBURG, VA (FHA|USDA|VA) 2 $90,000 $45,000 $0 9.32%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,069 6.50%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $85,000 $85,000 $4,706 6.63%
Connersville, IN (FHA|USDA|VA) 1 $85,000 $85,000 $5,748 6.25%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $75,000 $75,000 $6,322 5.75%
BECKLEY, WV (FHA|USDA|VA) 2 $70,000 $35,000 $0 12.94%
Tiffin, OH (FHA|USDA|VA) 1 $65,000 $65,000 $4,615 6.25%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 10.59%
CLEVELAND, TN (FHA|USDA|VA) 1 $65,000 $65,000 $1,750 5.50%
Danville, KY (FHA|USDA|VA) 1 $65,000 $65,000 $3,990 6.50%
Bluefield, WV-VA (FHA|USDA|VA) 2 $60,000 $30,000 $4,978 9.65%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.00%
Stillwater, OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,700 4.25%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $45,000 $45,000 $3,545 7.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $25,000 $25,000 $0 11.24%
Clarksburg, WV (FHA|USDA|VA) 1 $25,000 $25,000 $0 12.84%
M&t Bank's top markets include New York, Buffalo, Boston, Washington, and Baltimore among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 10,098 $1,314,170,000 $130,142 n/a 9.14%
    Conventional 5,776 $2,304,980,000 $399,062 $5,801 6.02%
    FHA 1,392 $287,300,000 $206,394 $8,765 6.28%
    VA 341 $127,645,000 $374,326 $4,946 4.30%
    USDA 4 $940,000 $235,000 $7,833 6.50%

    For 2023, M&t Bank's most frequently originated type of loan was HELOC, with 10,098 originations. Their 2nd most popular type was Conventional, with 5,776 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,681 $1,999,255,000 $351,920 $6,189 5.96%
    Home Improvement 4,899 $593,465,000 $121,140 $6,499 9.33%
    Refi 3,144 $764,060,000 $243,022 $5,322 8.39%
    Other 2,317 $338,415,000 $146,057 $5,634 9.12%
    Cash Out Refi 1,570 $339,840,000 $216,459 $7,122 6.51%

    For 2023, M&t Bank's most frequently cited loan purpose was Home Purchase, with 5,681 originations. The 2nd most popular reason was Home Improvement, with 4,899 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 15,887 $3,318,955,000 $208,910 $6,708 8.16%
    Other 683 $373,765,000 $547,240 $4,070 5.22%
    10 Year 419 $118,835,000 $283,616 $4,159 1.13%
    15 Year 321 $63,465,000 $197,710 $6,324 6.15%
    20 Year 168 $35,940,000 $213,929 $4,747 6.69%
    5 Year 129 $91,725,000 $711,047 $0 3.47%
    3 Year 3 $25,975,000 $8,658,333 $0 7.50%
    1 Year 1 $6,375,000 $6,375,000 $0 7.30%

    For 2023, M&t Bank's most frequently cited loan duration was 30 Year, with 15,887 originations. The 2nd most popular length was Other, with 683 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,766 $1,039,220,000 $375,712
    $2k-3k 1,107 $263,875,000 $238,369
    $<1k 857 $238,145,000 $277,882
    $5k+ 816 $340,540,000 $417,328
    $3k-4k 736 $183,620,000 $249,484
    $4k-5k 438 $137,490,000 $313,904

    M&t Bank's average total fees were $6,708, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,766 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 6,731 $1,686,335,000 $250,533
    Over 8% 6,656 $868,120,000 $130,427
    7-8% 1,776 $530,260,000 $298,570
    5-6% 1,592 $700,460,000 $439,987
    <2.5% 547 $44,935,000 $82,148
    4-5% 127 $138,345,000 $1,089,331
    3-4% 90 $31,650,000 $351,667
    2.5-3% 90 $34,820,000 $386,889

    During 2023, M&t Bank's average interest rate for loans was 8.16%, while their most frequently originated rate bucket for loans was 6-7%, with 6,731 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 5,889 $305,035,000 $51,797 $4,335 8.75%
    $100k-200k 5,742 $766,870,000 $133,555 $5,493 7.73%
    $200k-400k 3,867 $1,056,515,000 $273,213 $6,543 7.12%
    $400k-600k 1,133 $543,405,000 $479,616 $7,402 6.72%
    $600k-1MM 608 $456,150,000 $750,247 $7,656 6.38%
    $1MM+ 372 $907,060,000 $2,438,333 $9,668 6.33%

    2023 saw M&t Bank place emphasis on $100,000 or less loans with 5,889 originations, totaling $305,035,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 3,671 $659,855,000 $179,748 $6,590 8.12%
    $50k-75k 3,218 $378,050,000 $117,480 $5,895 7.92%
    $150k-250k 2,774 $672,900,000 $242,574 $6,569 8.07%
    $75k-100k 2,756 $401,110,000 $145,541 $6,544 8.01%
    $50k or less 2,027 $173,015,000 $85,355 $5,250 8.02%
    $250k+ 1,990 $1,125,340,000 $565,497 $7,593 7.62%

    M&t Bank lent most frequently to those with incomes in the $100k-150k range, with 3,671 originations. The second most popular income band? $50k-75k, with 3,218 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,076 $641,430,000 $208,527 $5,669 8.02%
    30-36% 2,707 $553,395,000 $204,431 $5,828 7.87%
    50-60% 2,433 $367,555,000 $151,071 $9,370 8.66%
    <20% 1,333 $271,875,000 $203,957 $5,267 8.02%
    49% 666 $133,350,000 $200,225 $7,053 8.19%
    42% 619 $155,815,000 $251,721 $6,354 7.41%
    41% 582 $148,950,000 $255,928 $6,542 7.60%
    44% 568 $127,730,000 $224,877 $6,554 7.64%
    43% 547 $109,335,000 $199,881 $6,184 7.80%
    39% 543 $125,605,000 $231,317 $6,256 7.76%
    38% 536 $135,940,000 $253,619 $6,537 7.66%
    36% 504 $120,220,000 $238,532 $6,069 7.65%
    40% 496 $113,550,000 $228,931 $6,595 7.71%
    37% 492 $124,110,000 $252,256 $6,448 7.76%
    46% 482 $102,410,000 $212,469 $6,668 7.78%
    47% 482 $104,560,000 $216,929 $6,654 7.83%
    45% 473 $102,305,000 $216,290 $7,099 7.77%
    48% 447 $94,215,000 $210,772 $6,563 7.76%
    >60% 66 $18,870,000 $285,909 $10,024 8.42%

    M&t Bank lent most frequently to those with DTI ratios of 20-30%, with 3,076 originations. The next most common DTI ratio? 30-36%, with 2,707 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 13,574 $2,620,870,000 $193,080 $6,030 7.96%
    Not applicable 186 $470,020,000 $2,526,989 $12,681 7.02%
    Not provided 1,340 $386,250,000 $288,246 $6,706 7.23%
    Black 1,537 $242,335,000 $157,668 $8,050 7.29%
    Asian 596 $202,240,000 $339,329 $6,892 7.04%
    Asian Indian 92 $40,780,000 $443,261 $6,894 7.40%
    Chinese 49 $34,165,000 $697,245 $8,162 6.96%
    American Indian 88 $15,290,000 $173,750 $6,938 7.04%
    Other Asian 45 $8,475,000 $188,333 $6,110 8.22%
    Native Hawaiian or Islander 27 $3,905,000 $144,630 $6,862 8.99%
    30 $3,620,000 $120,667 $4,887 8.63%
    Other Pacific Islander 22 $2,860,000 $130,000 $9,028 7.64%
    Filipino 10 $2,070,000 $207,000 $4,696 8.19%
    Korean 8 $1,170,000 $146,250 $4,045 9.08%
    Vietnamese 5 $825,000 $165,000 $6,068 7.31%
    Japanese 1 $105,000 $105,000 $0 8.84%
    Native Hawaiian 1 $55,000 $55,000 $0 13.24%

    Approval Rates

    Total approvals of all applications
    68.17%

    M&t Bank has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    82.62%

    M&t Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 17,611 $4,035,035,000 $229,120

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    17,611 $4,035,035,000 $229,120

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 4,473 $740,605,000 $165,572 $4,849 8.66%
    40-60% 2,289 $644,745,000 $281,671 $5,434 7.54%
    60-80% 2,904 $1,209,180,000 $416,384 $6,652 6.76%
    80-100% 3,264 $1,048,700,000 $321,293 $6,695 6.46%
    Over 100% 18 $8,460,000 $470,000 $18,143 6.16%
    Under 20% 4,620 $382,880,000 $82,874 $5,031 8.76%