M&t Bank Mortgage Rates, Fees & Info

Buffalo, NY

LEI: WWB2V0FCW3A0EE3ZJN75

Tax ID: 16-0538020

5 stars - out of 5 stars, based on 163 reviews

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

Jump to:

Mortgage Data

Review & Overview

M&t Bank is a mid-sized bank specializing in Home Purchase and Cash Out Refi 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, Washington, Baltimore, and Bridgeport among others. We have data for 594 markets. (Some data included below & more in-depth data is available with an active subscription.)

M&t Bank has an 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 about average 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% 5/28/23
30 Year Conventional Purchase 6.46% 5/28/23
30 Year Conventional Refi 6.40% 5/28/23
30 Year Cash-out Refi 6.64% 5/28/23
30 Year FHA Purchase 7.24% 5/28/23
30 Year FHA Refi 7.15% 5/28/23
30 Year VA Purchase 6.11% 5/28/23
30 Year VA Refi 5.94% 5/28/23
30 Year USDA Purchase 7.05% 5/28/23
30 Year USDA Refi 6.27% 5/28/23
15 Year Conventional Purchase 6.14% 5/28/23
15 Year Conventional Refi 6.16% 5/28/23
15 Year Cash-out Refi 6.16% 5/28/23
15 Year FHA Purchase 7.17% 5/28/23
15 Year FHA Refi 7.04% 5/28/23
15 Year VA Purchase 6.24% 5/28/23
15 Year VA Refi 5.94% 5/28/23
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

26,497

Origination Dollar Volume (All Markets)

$5,635,665,000
Show all (30) awards

Relative Rate

M&t Bank's average 30 year fixed mortgage rate was 4.5%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.26%.

Relative Fees (Closing Costs)

M&t Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $6,025.

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 $4,750.

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) 3,211 $1,054,525,000 $328,410 $7,634 4.21%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3,803 $629,235,000 $165,458 $4,799 4.44%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1,368 $423,120,000 $309,298 $7,081 4.32%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1,873 $308,075,000 $164,482 $5,683 4.59%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 779 $241,645,000 $310,199 $6,206 4.44%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1,000 $194,580,000 $194,580 $6,224 4.35%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 338 $161,170,000 $476,834 $5,408 4.39%
Outside of Metro Areas 738 $130,580,000 $176,938 $5,485 4.59%
SALISBURY, MD-DE (FHA|USDA|VA) 595 $103,445,000 $173,857 $6,243 4.46%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 507 $103,375,000 $203,895 $5,819 4.42%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 375 $102,065,000 $272,173 $5,595 4.37%
ROCHESTER, NY (FHA|USDA|VA) 795 $98,945,000 $124,459 $4,641 4.49%
YORK-HANOVER, PA (FHA|USDA|VA) 642 $97,750,000 $152,259 $5,191 4.41%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 467 $79,815,000 $170,910 $5,197 4.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 127 $78,835,000 $620,748 $7,754 4.28%
SYRACUSE, NY (FHA|USDA|VA) 573 $73,225,000 $127,792 $4,733 4.55%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 318 $64,060,000 $201,447 $5,583 4.76%
ALTOONA, PA (FHA|USDA|VA) 134 $51,180,000 $381,940 $4,251 4.49%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 320 $47,250,000 $147,656 $5,903 4.41%
BINGHAMTON, NY (FHA|USDA|VA) 350 $43,940,000 $125,543 $4,506 4.48%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 208 $42,630,000 $204,952 $5,722 4.15%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 52 $42,400,000 $815,385 $5,428 3.63%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 83 $42,215,000 $508,614 $4,152 4.72%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 373 $39,445,000 $105,751 $4,915 4.34%
GLENS FALLS, NY (FHA|USDA|VA) 36 $39,200,000 $1,088,889 $4,770 4.50%
VALDOSTA, GA (FHA|USDA|VA) 3 $32,305,000 $10,768,333 $7,843 4.19%
LANCASTER, PA (FHA|USDA|VA) 193 $31,895,000 $165,259 $5,777 4.28%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 282 $31,680,000 $112,340 $4,660 4.52%
UTICA-ROME, NY (FHA|USDA|VA) 245 $30,195,000 $123,245 $4,813 4.43%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 26 $28,160,000 $1,083,077 $9,108 3.97%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 103 $24,895,000 $241,699 $5,699 4.08%
READING, PA (FHA|USDA|VA) 207 $24,755,000 $119,589 $6,154 4.19%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 206 $24,600,000 $119,417 $4,437 4.34%
DOVER, DE (FHA|USDA|VA) 173 $23,735,000 $137,197 $5,786 4.50%
SPRINGFIELD, MA (FHA|USDA|VA) 158 $23,220,000 $146,962 $5,504 4.91%
OCEAN CITY, NJ (FHA|USDA|VA) 29 $22,005,000 $758,793 $7,127 4.21%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 124 $21,360,000 $172,258 $5,510 4.04%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 36 $20,870,000 $579,722 $7,102 4.18%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 167 $20,255,000 $121,287 $4,976 4.84%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 88 $20,170,000 $229,205 $5,409 4.14%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 81 $19,365,000 $239,074 $4,548 4.77%
KINGSTON, NY (FHA|USDA|VA) 117 $19,055,000 $162,863 $5,612 4.37%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 110 $18,400,000 $167,273 $6,163 4.31%
Pottsville, PA (FHA|USDA|VA) 182 $16,080,000 $88,352 $4,889 4.67%
WORCESTER, MA-CT (FHA|USDA|VA) 78 $15,130,000 $193,974 $5,021 4.58%
RICHMOND, VA (FHA|USDA|VA) 92 $14,700,000 $159,783 $5,320 4.38%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 17 $14,485,000 $852,059 $9,131 3.92%
ITHACA, NY (FHA|USDA|VA) 60 $14,310,000 $238,500 $5,509 4.37%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 71 $13,955,000 $196,549 $5,104 4.09%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 37 $13,825,000 $373,649 $6,851 3.86%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 36 $13,500,000 $375,000 $6,485 3.92%
Torrington, CT (FHA|USDA|VA) 57 $13,085,000 $229,561 $5,866 4.54%
STATE COLLEGE, PA (FHA|USDA|VA) 79 $12,925,000 $163,608 $7,464 4.56%
GETTYSBURG, PA (FHA|USDA|VA) 106 $12,900,000 $121,698 $5,420 4.39%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 60 $11,840,000 $197,333 $6,110 4.30%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 39 $11,025,000 $282,692 $7,757 3.85%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 77 $11,015,000 $143,052 $5,260 4.41%
Olean, NY (FHA|USDA|VA) 97 $10,975,000 $113,144 $5,003 4.69%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 39 $10,965,000 $281,154 $5,898 4.31%
Batavia, NY (FHA|USDA|VA) 97 $10,915,000 $112,526 $4,643 4.55%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 43 $10,645,000 $247,558 $6,441 4.13%
JACKSONVILLE, FL (FHA|USDA|VA) 43 $10,375,000 $241,279 $5,479 4.15%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 15 $10,315,000 $687,667 $6,313 3.56%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 51 $9,995,000 $195,980 $5,624 4.72%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 41 $9,525,000 $232,317 $5,349 4.62%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 37 $9,495,000 $256,622 $5,368 3.50%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 46 $9,400,000 $204,348 $5,418 3.96%
Sunbury, PA (FHA|USDA|VA) 104 $9,360,000 $90,000 $4,505 4.68%
CUMBERLAND, MD-WV (FHA|USDA|VA) 101 $9,165,000 $90,743 $5,318 4.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 54 $9,050,000 $167,593 $5,218 4.33%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 32 $8,970,000 $280,313 $7,478 4.33%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 30 $8,950,000 $298,333 $6,353 4.26%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 47 $8,885,000 $189,043 $5,417 3.87%
Lebanon, NH-VT (FHA|USDA|VA) 46 $8,680,000 $188,696 $4,544 4.50%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 26 $8,450,000 $325,000 $5,008 3.87%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 57 $7,885,000 $138,333 $4,976 4.58%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 64 $7,800,000 $121,875 $4,752 4.48%
Auburn, NY (FHA|USDA|VA) 57 $7,585,000 $133,070 $5,266 4.40%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 52 $7,530,000 $144,808 $4,905 4.99%
PITTSBURGH, PA (FHA|USDA|VA) 55 $7,505,000 $136,455 $4,988 4.35%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 35 $7,175,000 $205,000 $6,256 3.89%
WILLIAMSPORT, PA (FHA|USDA|VA) 69 $7,045,000 $102,101 $5,137 4.45%
LEBANON, PA (FHA|USDA|VA) 51 $6,875,000 $134,804 $5,289 4.17%
ST. LOUIS, MO-IL (FHA|USDA|VA) 47 $6,715,000 $142,872 $5,170 4.41%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 40 $6,490,000 $162,250 $5,216 4.21%
WINSTON-SALEM, NC (FHA|USDA|VA) 27 $6,125,000 $226,852 $5,429 4.19%
COLUMBUS, OH (FHA|USDA|VA) 37 $6,095,000 $164,730 $6,033 4.17%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 33 $5,785,000 $175,303 $5,063 3.55%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 19 $5,665,000 $298,158 $6,890 3.86%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 37 $5,555,000 $150,135 $5,226 4.18%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 32 $5,520,000 $172,500 $6,536 4.81%
Easton, MD (FHA|USDA|VA) 21 $5,445,000 $259,286 $4,850 4.41%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $5,395,000 $1,798,333 $8,952 3.38%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 12 $5,390,000 $449,167 $6,952 4.83%
ELMIRA, NY (FHA|USDA|VA) 43 $5,315,000 $123,605 $5,085 4.53%
Corning, NY (FHA|USDA|VA) 32 $5,300,000 $165,625 $5,582 4.35%
RALEIGH-CARY, NC (FHA|USDA|VA) 21 $5,275,000 $251,190 $5,211 4.17%
Sayre, PA (FHA|USDA|VA) 41 $5,235,000 $127,683 $4,905 4.30%
Keene, NH (FHA|USDA|VA) 22 $4,940,000 $224,545 $4,817 5.23%
EAST STROUDSBURG, PA (FHA|USDA|VA) 34 $4,850,000 $142,647 $6,179 4.05%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 16 $4,570,000 $285,625 $5,568 3.88%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 14 $4,490,000 $320,714 $4,711 3.19%
LOUISVILLE, KY (FHA|USDA|VA) 22 $4,380,000 $199,091 $4,969 4.15%
SALT LAKE CITY, UT (FHA|USDA|VA) 19 $4,365,000 $229,737 $4,940 3.84%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 26 $4,360,000 $167,692 $5,563 3.93%
Cambridge, MD (FHA|USDA|VA) 28 $4,270,000 $152,500 $9,067 4.51%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 7 $4,105,000 $586,429 $11,609 4.71%
Lewisburg, PA (FHA|USDA|VA) 33 $4,085,000 $123,788 $5,423 4.64%
WILMINGTON, NC (FHA|USDA|VA) 10 $4,060,000 $406,000 $5,827 4.54%
OKLAHOMA CITY, OK (FHA|USDA|VA) 29 $4,045,000 $139,483 $6,067 4.41%
ALBUQUERQUE, NM (FHA|USDA|VA) 25 $3,945,000 $157,800 $6,057 4.24%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 22 $3,870,000 $175,909 $5,751 4.37%
Bennington, VT (FHA|USDA|VA) 20 $3,870,000 $193,500 $5,029 4.99%
Heber, UT (FHA|USDA|VA) 2 $3,870,000 $1,935,000 $0 3.37%
TUCSON, AZ (FHA|USDA|VA) 20 $3,850,000 $192,500 $6,581 3.99%
SAVANNAH, GA (FHA|USDA|VA) 19 $3,825,000 $201,316 $5,897 4.78%
SALINAS, CA (FHA|USDA|VA) 9 $3,815,000 $423,889 $5,143 3.71%
Rutland, VT (FHA|USDA|VA) 20 $3,770,000 $188,500 $5,309 4.75%
URBAN HONOLULU, HI (FHA|USDA|VA) 4 $3,710,000 $927,500 $6,678 3.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 16 $3,610,000 $225,625 $6,500 4.09%
Cortland, NY (FHA|USDA|VA) 31 $3,585,000 $115,645 $4,973 4.56%
Selinsgrove, PA (FHA|USDA|VA) 33 $3,515,000 $106,515 $4,570 4.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 29 $3,485,000 $120,172 $4,810 4.26%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 26 $3,450,000 $132,692 $4,866 4.54%
Gloversville, NY (FHA|USDA|VA) 28 $3,430,000 $122,500 $5,194 4.70%
WINCHESTER, VA-WV (FHA|USDA|VA) 17 $3,355,000 $197,353 $6,197 4.13%
Hudson, NY (FHA|USDA|VA) 18 $3,340,000 $185,556 $5,764 3.93%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 22 $3,320,000 $150,909 $5,317 4.41%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 21 $3,315,000 $157,857 $5,561 4.52%
PORT ST. LUCIE, FL (FHA|USDA|VA) 12 $3,280,000 $273,333 $5,502 4.89%
Oneonta, NY (FHA|USDA|VA) 18 $3,090,000 $171,667 $4,439 4.59%
KNOXVILLE, TN (FHA|USDA|VA) 15 $3,045,000 $203,000 $7,348 4.51%
COLUMBIA, SC (FHA|USDA|VA) 22 $2,970,000 $135,000 $5,274 4.21%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 20 $2,950,000 $147,500 $5,379 3.68%
Kill Devil Hills, NC (FHA|USDA|VA) 4 $2,920,000 $730,000 $6,606 4.69%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 12 $2,860,000 $238,333 $5,583 4.35%
Barre, VT (FHA|USDA|VA) 15 $2,855,000 $190,333 $5,152 4.58%
Bozeman, MT (FHA|USDA|VA) 1 $2,705,000 $2,705,000 $6,109 3.88%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 18 $2,620,000 $145,556 $5,388 3.78%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 17 $2,585,000 $152,059 $5,286 4.04%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 14 $2,530,000 $180,714 $5,021 4.08%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 15 $2,395,000 $159,667 $6,086 4.07%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 12 $2,370,000 $197,500 $4,983 3.90%
OCALA, FL (FHA|USDA|VA) 12 $2,320,000 $193,333 $5,830 4.84%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $2,315,000 $178,077 $5,535 3.80%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 9 $2,305,000 $256,111 $5,599 4.01%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $2,300,000 $191,667 $6,202 4.98%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 10 $2,210,000 $221,000 $4,983 4.67%
DAYTON-KETTERING, OH (FHA|USDA|VA) 16 $2,210,000 $138,125 $5,642 4.32%
PUNTA GORDA, FL (FHA|USDA|VA) 11 $2,195,000 $199,545 $6,905 4.71%
TULSA, OK (FHA|USDA|VA) 17 $2,195,000 $129,118 $6,220 4.21%
AKRON, OH (FHA|USDA|VA) 15 $2,165,000 $144,333 $5,319 4.06%
Key West, FL (FHA|USDA|VA) 3 $2,145,000 $715,000 $7,481 5.08%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 13 $2,115,000 $162,692 $5,705 4.12%
Concord, NH (FHA|USDA|VA) 13 $2,115,000 $162,692 $3,632 4.46%
FORT COLLINS, CO (FHA|USDA|VA) 6 $2,110,000 $351,667 $4,748 3.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 9 $2,055,000 $228,333 $3,825 4.04%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 9 $2,005,000 $222,778 $4,590 4.14%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $7,094 4.13%
FAYETTEVILLE, NC (FHA|USDA|VA) 15 $1,995,000 $133,000 $5,496 4.01%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 8 $1,970,000 $246,250 $4,421 4.08%
Edwards, CO (FHA|USDA|VA) 4 $1,950,000 $487,500 $4,498 4.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 16 $1,940,000 $121,250 $4,711 4.08%
STOCKTON, CA (FHA|USDA|VA) 9 $1,915,000 $212,778 $4,204 4.61%
WICHITA, KS (FHA|USDA|VA) 14 $1,890,000 $135,000 $4,867 4.40%
Lock Haven, PA (FHA|USDA|VA) 20 $1,860,000 $93,000 $5,504 3.91%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 13 $1,815,000 $139,615 $5,556 4.57%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 13 $1,815,000 $139,615 $5,922 5.08%
BATON ROUGE, LA (FHA|USDA|VA) 12 $1,790,000 $149,167 $6,371 3.73%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 9 $1,755,000 $195,000 $5,694 4.42%
BOISE CITY, ID (FHA|USDA|VA) 5 $1,725,000 $345,000 $6,089 4.48%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,725,000 $575,000 $7,497 3.46%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $1,670,000 $278,333 $5,582 3.98%
MONTGOMERY, AL (FHA|USDA|VA) 11 $1,655,000 $150,455 $5,627 4.92%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 9 $1,615,000 $179,444 $5,749 4.40%
DuBois, PA (FHA|USDA|VA) 22 $1,590,000 $72,273 $4,908 4.43%
Augusta-Waterville, ME (FHA|USDA|VA) 6 $1,590,000 $265,000 $4,071 5.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $1,585,000 $226,429 $8,325 4.05%
HUNTSVILLE, AL (FHA|USDA|VA) 11 $1,545,000 $140,455 $6,146 4.82%
SPRINGFIELD, MO (FHA|USDA|VA) 10 $1,540,000 $154,000 $6,364 4.28%
COLUMBUS, GA-AL (FHA|USDA|VA) 7 $1,475,000 $210,714 $4,835 4.29%
ERIE, PA (FHA|USDA|VA) 13 $1,465,000 $112,692 $4,397 4.58%
COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $1,450,000 $241,667 $6,710 3.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 8 $1,400,000 $175,000 $3,527 4.25%
FRESNO, CA (FHA|USDA|VA) 7 $1,385,000 $197,857 $6,476 3.89%
Steamboat Springs, CO (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $5,048 3.25%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 8 $1,360,000 $170,000 $6,875 4.91%
Amsterdam, NY (FHA|USDA|VA) 13 $1,345,000 $103,462 $5,568 4.35%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $1,345,000 $269,000 $9,183 3.98%
ST. GEORGE, UT (FHA|USDA|VA) 5 $1,345,000 $269,000 $4,173 3.48%
LYNCHBURG, VA (FHA|USDA|VA) 9 $1,305,000 $145,000 $5,380 4.35%
LONGVIEW, WA (FHA|USDA|VA) 3 $1,305,000 $435,000 $6,354 3.54%
SPARTANBURG, SC (FHA|USDA|VA) 8 $1,300,000 $162,500 $5,568 4.41%
MEDFORD, OR (FHA|USDA|VA) 5 $1,295,000 $259,000 $5,768 3.95%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 10 $1,290,000 $129,000 $5,605 4.38%
GREENVILLE, NC (FHA|USDA|VA) 6 $1,280,000 $213,333 $8,257 4.52%
ROANOKE, VA (FHA|USDA|VA) 7 $1,265,000 $180,714 $4,908 3.91%
Seneca Falls, NY (FHA|USDA|VA) 8 $1,250,000 $156,250 $5,039 3.60%
MOBILE, AL (FHA|USDA|VA) 9 $1,245,000 $138,333 $5,380 4.96%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 8 $1,240,000 $155,000 $5,251 3.28%
GREEN BAY, WI (FHA|USDA|VA) 8 $1,240,000 $155,000 $5,541 5.00%
RENO, NV (FHA|USDA|VA) 5 $1,215,000 $243,000 $5,184 3.30%
ASHEVILLE, NC (FHA|USDA|VA) 4 $1,160,000 $290,000 $5,389 3.63%
WARNER ROBINS, GA (FHA|USDA|VA) 8 $1,160,000 $145,000 $6,140 4.61%
YUBA CITY, CA (FHA|USDA|VA) 4 $1,130,000 $282,500 $6,450 3.66%
CANTON-MASSILLON, OH (FHA|USDA|VA) 10 $1,130,000 $113,000 $5,472 4.83%
BELLINGHAM, WA (FHA|USDA|VA) 2 $1,130,000 $565,000 $5,209 4.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 8 $1,110,000 $138,750 $5,732 4.36%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 8 $1,100,000 $137,500 $7,122 4.21%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 7 $1,095,000 $156,429 $7,174 4.11%
FLINT, MI (FHA|USDA|VA) 6 $1,090,000 $181,667 $3,995 3.94%
Huntingdon, PA (FHA|USDA|VA) 9 $1,085,000 $120,556 $4,799 4.42%
Laconia, NH (FHA|USDA|VA) 5 $1,075,000 $215,000 $3,502 5.75%
TUSCALOOSA, AL (FHA|USDA|VA) 7 $1,065,000 $152,143 $5,138 4.57%
JACKSON, MS (FHA|USDA|VA) 8 $1,060,000 $132,500 $3,555 4.31%
ANN ARBOR, MI (FHA|USDA|VA) 6 $1,050,000 $175,000 $6,471 4.71%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,040,000 $260,000 $9,312 4.41%
JOHNSTOWN, PA (FHA|USDA|VA) 14 $1,040,000 $74,286 $4,179 4.53%
Ogdensburg-Massena, NY (FHA|USDA|VA) 9 $1,035,000 $115,000 $4,528 5.28%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,020,000 $255,000 $8,173 3.97%
VALLEJO, CA (FHA|USDA|VA) 3 $1,015,000 $338,333 $5,153 3.88%
Clewiston, FL (FHA|USDA|VA) 3 $1,005,000 $335,000 $4,244 3.67%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $995,000 $995,000 $4,794 4.88%
Jackson, WY-ID (FHA|USDA|VA) 2 $990,000 $495,000 $5,543 4.06%
ALBANY-LEBANON, OR (FHA|USDA|VA) 4 $980,000 $245,000 $7,732 3.91%
PITTSFIELD, MA (FHA|USDA|VA) 3 $975,000 $325,000 $4,629 4.17%
Kapaa, HI (FHA|USDA|VA) 2 $950,000 $475,000 $19,522 2.88%
STAUNTON, VA (FHA|USDA|VA) 3 $925,000 $308,333 $5,766 3.92%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 6 $920,000 $153,333 $4,885 4.71%
MODESTO, CA (FHA|USDA|VA) 3 $895,000 $298,333 $5,265 3.33%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 6 $870,000 $145,000 $4,954 4.92%
GAINESVILLE, FL (FHA|USDA|VA) 6 $870,000 $145,000 $5,605 4.19%
BILLINGS, MT (FHA|USDA|VA) 3 $865,000 $288,333 $11,660 4.54%
Plattsburgh, NY (FHA|USDA|VA) 8 $850,000 $106,250 $4,235 4.59%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 9 $845,000 $93,889 $4,860 4.10%
TOPEKA, KS (FHA|USDA|VA) 7 $845,000 $120,714 $4,819 4.30%
TALLAHASSEE, FL (FHA|USDA|VA) 7 $835,000 $119,286 $4,391 4.75%
BANGOR, ME (FHA|USDA|VA) 6 $830,000 $138,333 $5,170 5.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $825,000 $275,000 $9,072 3.98%
ANCHORAGE, AK (FHA|USDA|VA) 3 $825,000 $275,000 $6,095 3.54%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 6 $820,000 $136,667 $5,583 4.52%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $810,000 $202,500 $7,488 4.03%
FORT WAYNE, IN (FHA|USDA|VA) 7 $795,000 $113,571 $3,910 4.14%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $795,000 $159,000 $4,663 3.85%
DULUTH, MN-WI (FHA|USDA|VA) 6 $790,000 $131,667 $5,341 4.60%
JOHNSON CITY, TN (FHA|USDA|VA) 6 $780,000 $130,000 $5,817 4.19%
Hermiston-Pendleton, OR (FHA|USDA|VA) 4 $780,000 $195,000 $6,695 3.62%
HOT SPRINGS, AR (FHA|USDA|VA) 3 $765,000 $255,000 $5,012 2.83%
New Castle, IN (FHA|USDA|VA) 6 $760,000 $126,667 $4,497 4.38%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $760,000 $380,000 $2,904 3.68%
EVANSVILLE, IN-KY (FHA|USDA|VA) 6 $760,000 $126,667 $4,982 4.92%
RACINE, WI (FHA|USDA|VA) 4 $750,000 $187,500 $5,770 3.88%
BOULDER, CO (FHA|USDA|VA) 1 $735,000 $735,000 $3,288 4.25%
GAINESVILLE, GA (FHA|USDA|VA) 4 $730,000 $182,500 $5,868 3.78%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 5 $725,000 $145,000 $5,312 4.70%
Talladega-Sylacauga, AL (FHA|USDA|VA) 6 $720,000 $120,000 $5,204 5.40%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 4 $720,000 $180,000 $3,925 4.28%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $720,000 $360,000 $2,112 3.44%
Brookings, OR (FHA|USDA|VA) 2 $710,000 $355,000 $6,732 2.88%
ROCKFORD, IL (FHA|USDA|VA) 6 $710,000 $118,333 $5,610 4.35%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $710,000 $177,500 $4,561 3.78%
LAFAYETTE, LA (FHA|USDA|VA) 5 $705,000 $141,000 $6,501 4.15%
REDDING, CA (FHA|USDA|VA) 2 $700,000 $350,000 $4,343 3.13%
VISALIA, CA (FHA|USDA|VA) 4 $700,000 $175,000 $5,174 3.69%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $680,000 $340,000 $13,660 3.63%
TOLEDO, OH (FHA|USDA|VA) 6 $680,000 $113,333 $4,540 4.46%
Sevierville, TN (FHA|USDA|VA) 2 $680,000 $340,000 $14,241 4.19%
GREAT FALLS, MT (FHA|USDA|VA) 2 $680,000 $340,000 $6,267 2.50%
MADISON, WI (FHA|USDA|VA) 3 $655,000 $218,333 $6,149 5.42%
Vineyard Haven, MA (FHA|USDA|VA) 1 $655,000 $655,000 $0 4.14%
ALEXANDRIA, LA (FHA|USDA|VA) 4 $640,000 $160,000 $5,592 4.19%
Kalispell, MT (FHA|USDA|VA) 1 $635,000 $635,000 $21,593 5.13%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $615,000 $205,000 $5,557 3.75%
PUEBLO, CO (FHA|USDA|VA) 3 $605,000 $201,667 $4,635 5.17%
MERCED, CA (FHA|USDA|VA) 3 $605,000 $201,667 $3,874 4.25%
SANTA FE, NM (FHA|USDA|VA) 3 $575,000 $191,667 $5,460 4.63%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 5 $575,000 $115,000 $4,694 4.40%
EL CENTRO, CA (FHA|USDA|VA) 3 $575,000 $191,667 $4,325 4.33%
Cullman, AL (FHA|USDA|VA) 3 $575,000 $191,667 $6,565 4.54%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $575,000 $575,000 $4,280 3.50%
BRUNSWICK, GA (FHA|USDA|VA) 2 $570,000 $285,000 $3,167 2.69%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 5 $565,000 $113,000 $5,109 5.38%
NAPA, CA (FHA|USDA|VA) 1 $565,000 $565,000 $15,604 2.75%
Oil City, PA (FHA|USDA|VA) 3 $565,000 $188,333 $4,826 4.83%
Malone, NY (FHA|USDA|VA) 5 $555,000 $111,000 $5,084 4.71%
CORVALLIS, OR (FHA|USDA|VA) 2 $550,000 $275,000 $4,693 2.50%
MANHATTAN, KS (FHA|USDA|VA) 4 $540,000 $135,000 $4,219 3.38%
THE VILLAGES, FL (FHA|USDA|VA) 2 $540,000 $270,000 $4,398 4.69%
FORT SMITH, AR-OK (FHA|USDA|VA) 5 $535,000 $107,000 $5,770 4.45%
LAREDO, TX (FHA|USDA|VA) 3 $535,000 $178,333 $4,813 3.29%
WACO, TX (FHA|USDA|VA) 2 $530,000 $265,000 $10,336 3.94%
St. Marys, GA (FHA|USDA|VA) 3 $525,000 $175,000 $9,592 4.21%
Tupelo, MS (FHA|USDA|VA) 3 $525,000 $175,000 $5,273 4.92%
WENATCHEE, WA (FHA|USDA|VA) 2 $520,000 $260,000 $6,544 3.31%
HINESVILLE, GA (FHA|USDA|VA) 4 $510,000 $127,500 $4,406 4.34%
LaGrange, GA-AL (FHA|USDA|VA) 4 $510,000 $127,500 $4,817 4.28%
West Plains, MO (FHA|USDA|VA) 3 $505,000 $168,333 $4,403 4.33%
PANAMA CITY, FL (FHA|USDA|VA) 2 $500,000 $250,000 $2,970 3.69%
Danville, VA (FHA|USDA|VA) 4 $490,000 $122,500 $6,147 4.13%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $490,000 $245,000 $4,783 3.50%
MADERA, CA (FHA|USDA|VA) 2 $490,000 $245,000 $8,223 5.44%
Sanford, NC (FHA|USDA|VA) 2 $470,000 $235,000 $5,005 4.50%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $465,000 $155,000 $5,638 4.17%
LINCOLN, NE (FHA|USDA|VA) 3 $465,000 $155,000 $3,518 4.38%
PROVO-OREM, UT (FHA|USDA|VA) 2 $460,000 $230,000 $6,500 4.63%
Greenwood, SC (FHA|USDA|VA) 5 $445,000 $89,000 $3,541 4.30%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $445,000 $148,333 $3,996 4.71%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 4 $440,000 $110,000 $4,450 5.03%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $435,000 $145,000 $3,103 6.25%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 4 $430,000 $107,500 $4,091 4.41%
Frankfort, IN (FHA|USDA|VA) 3 $425,000 $141,667 $5,064 4.38%
Red Bluff, CA (FHA|USDA|VA) 1 $425,000 $425,000 $11,351 4.88%
Spearfish, SD (FHA|USDA|VA) 2 $420,000 $210,000 $7,511 4.00%
Somerset, PA (FHA|USDA|VA) 3 $415,000 $138,333 $5,137 3.49%
MORGANTOWN, WV (FHA|USDA|VA) 4 $410,000 $102,500 $4,790 5.14%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $410,000 $205,000 $6,693 2.81%
HATTIESBURG, MS (FHA|USDA|VA) 3 $405,000 $135,000 $4,379 4.83%
JACKSON, MI (FHA|USDA|VA) 4 $400,000 $100,000 $4,674 4.38%
GREELEY, CO (FHA|USDA|VA) 2 $400,000 $200,000 $4,704 5.13%
Richmond-Berea, KY (FHA|USDA|VA) 3 $395,000 $131,667 $3,306 3.75%
Lewistown, PA (FHA|USDA|VA) 4 $390,000 $97,500 $5,222 5.16%
DOTHAN, AL (FHA|USDA|VA) 3 $385,000 $128,333 $7,662 4.83%
Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $385,000 $128,333 $7,372 4.63%
FLORENCE, SC (FHA|USDA|VA) 3 $385,000 $128,333 $4,433 4.17%
KANKAKEE, IL (FHA|USDA|VA) 3 $385,000 $128,333 $5,101 4.75%
Worthington, MN (FHA|USDA|VA) 2 $380,000 $190,000 $9,336 4.69%
Cedar City, UT (FHA|USDA|VA) 2 $380,000 $190,000 $5,007 3.50%
Bradford, PA (FHA|USDA|VA) 5 $375,000 $75,000 $5,210 4.23%
JEFFERSON CITY, MO (FHA|USDA|VA) 3 $375,000 $125,000 $4,586 3.71%
HARRISONBURG, VA (FHA|USDA|VA) 2 $370,000 $185,000 $6,164 5.19%
LAWTON, OK (FHA|USDA|VA) 3 $365,000 $121,667 $9,577 5.13%
Cañon City, CO (FHA|USDA|VA) 3 $365,000 $121,667 $4,377 5.96%
SAGINAW, MI (FHA|USDA|VA) 3 $365,000 $121,667 $4,983 5.38%
CHEYENNE, WY (FHA|USDA|VA) 1 $365,000 $365,000 $16,447 5.13%
Baraboo, WI (FHA|USDA|VA) 2 $360,000 $180,000 $5,980 4.06%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $360,000 $180,000 $9,282 4.19%
Mount Vernon, OH (FHA|USDA|VA) 3 $355,000 $118,333 $4,078 3.96%
LAS CRUCES, NM (FHA|USDA|VA) 1 $355,000 $355,000 $13,621 2.63%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $355,000 $118,333 $6,924 5.21%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $350,000 $175,000 $6,698 4.06%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $350,000 $175,000 $4,181 4.50%
CASPER, WY (FHA|USDA|VA) 1 $345,000 $345,000 $3,740 3.25%
Rexburg, ID (FHA|USDA|VA) 1 $345,000 $345,000 $6,985 3.38%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $340,000 $170,000 $3,356 5.44%
Wilson, NC (FHA|USDA|VA) 2 $340,000 $170,000 $5,599 3.56%
Salem, OH (FHA|USDA|VA) 3 $335,000 $111,667 $4,809 3.96%
Bartlesville, OK (FHA|USDA|VA) 3 $335,000 $111,667 $5,757 4.71%
DALTON, GA (FHA|USDA|VA) 3 $335,000 $111,667 $5,657 3.75%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $335,000 $335,000 $6,720 2.75%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $330,000 $165,000 $5,734 4.94%
Norwalk, OH (FHA|USDA|VA) 2 $330,000 $165,000 $4,107 6.38%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 4 $330,000 $82,500 $4,201 3.81%
Mount Pleasant, MI (FHA|USDA|VA) 2 $330,000 $165,000 $6,169 5.00%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 3 $325,000 $108,333 $4,332 3.29%
Georgetown, SC (FHA|USDA|VA) 1 $325,000 $325,000 $8,704 3.75%
Payson, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $2,750 3.00%
SHEBOYGAN, WI (FHA|USDA|VA) 2 $320,000 $160,000 $6,231 5.69%
ROCHESTER, MN (FHA|USDA|VA) 2 $320,000 $160,000 $6,728 3.56%
WALLA WALLA, WA (FHA|USDA|VA) 1 $315,000 $315,000 $8,203 2.63%
Newport, OR (FHA|USDA|VA) 1 $315,000 $315,000 $16,750 2.63%
Wooster, OH (FHA|USDA|VA) 3 $315,000 $105,000 $4,539 3.83%
SALEM, OR (FHA|USDA|VA) 2 $310,000 $155,000 $3,496 3.38%
Whitewater, WI (FHA|USDA|VA) 2 $310,000 $155,000 $5,055 4.44%
London, KY (FHA|USDA|VA) 3 $305,000 $101,667 $4,428 5.46%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 3 $305,000 $101,667 $3,942 4.41%
Austin, MN (FHA|USDA|VA) 3 $305,000 $101,667 $6,521 5.38%
CHARLESTON, WV (FHA|USDA|VA) 3 $305,000 $101,667 $4,978 3.13%
Washington Court House, OH (FHA|USDA|VA) 2 $300,000 $150,000 $6,702 4.06%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $300,000 $150,000 $4,827 3.81%
Batesville, AR (FHA|USDA|VA) 1 $295,000 $295,000 $3,616 2.88%
Mitchell, SD (FHA|USDA|VA) 1 $295,000 $295,000 $9,136 3.38%
Meadville, PA (FHA|USDA|VA) 3 $295,000 $98,333 $4,633 4.41%
Warrensburg, MO (FHA|USDA|VA) 1 $295,000 $295,000 $2,780 2.75%
Winfield, KS (FHA|USDA|VA) 1 $295,000 $295,000 $7,594 5.13%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $290,000 $145,000 $7,966 4.56%
Dublin, GA (FHA|USDA|VA) 2 $290,000 $145,000 $6,972 4.44%
Lake City, FL (FHA|USDA|VA) 1 $285,000 $285,000 $7,217 6.00%
Branson, MO (FHA|USDA|VA) 2 $280,000 $140,000 $5,952 3.81%
GOLDSBORO, NC (FHA|USDA|VA) 2 $280,000 $140,000 $6,374 3.63%
OWENSBORO, KY (FHA|USDA|VA) 2 $280,000 $140,000 $7,366 4.94%
JACKSON, TN (FHA|USDA|VA) 2 $280,000 $140,000 $4,726 4.63%
Ontario, OR-ID (FHA|USDA|VA) 2 $280,000 $140,000 $5,205 4.44%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $280,000 $140,000 $3,983 4.81%
Seymour, IN (FHA|USDA|VA) 2 $280,000 $140,000 $4,610 4.00%
Shelton, WA (FHA|USDA|VA) 1 $275,000 $275,000 $3,310 4.00%
Taos, NM (FHA|USDA|VA) 1 $275,000 $275,000 $4,273 4.25%
Montrose, CO (FHA|USDA|VA) 1 $275,000 $275,000 $5,957 6.50%
ODESSA, TX (FHA|USDA|VA) 2 $270,000 $135,000 $4,193 4.69%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $270,000 $135,000 $8,377 4.96%
Sonora, CA (FHA|USDA|VA) 1 $265,000 $265,000 $2,816 3.50%
Urbana, OH (FHA|USDA|VA) 2 $260,000 $130,000 $3,997 3.38%
Clarksburg, WV (FHA|USDA|VA) 2 $260,000 $130,000 $8,982 4.00%
Albertville, AL (FHA|USDA|VA) 2 $260,000 $130,000 $6,864 4.88%
Galesburg, IL (FHA|USDA|VA) 3 $255,000 $85,000 $4,090 4.96%
Hutchinson, KS (FHA|USDA|VA) 2 $250,000 $125,000 $4,954 4.00%
Mount Airy, NC (FHA|USDA|VA) 2 $250,000 $125,000 $5,183 4.06%
NILES, MI (FHA|USDA|VA) 2 $250,000 $125,000 $4,081 4.25%
LONGVIEW, TX (FHA|USDA|VA) 2 $250,000 $125,000 $3,533 3.88%
LUBBOCK, TX (FHA|USDA|VA) 2 $250,000 $125,000 $5,196 3.69%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $250,000 $125,000 $3,889 2.94%
COLUMBUS, IN (FHA|USDA|VA) 2 $250,000 $125,000 $5,006 4.63%
Glenwood Springs, CO (FHA|USDA|VA) 1 $245,000 $245,000 $10,713 5.13%
YAKIMA, WA (FHA|USDA|VA) 3 $245,000 $81,667 $4,019 3.88%
Owatonna, MN (FHA|USDA|VA) 2 $240,000 $120,000 $4,976 4.38%
MUSKEGON, MI (FHA|USDA|VA) 2 $240,000 $120,000 $6,850 3.69%
MIDLAND, MI (FHA|USDA|VA) 2 $230,000 $115,000 $4,959 4.56%
EL PASO, TX (FHA|USDA|VA) 2 $230,000 $115,000 $3,845 2.56%
Farmington, MO (FHA|USDA|VA) 2 $230,000 $115,000 $3,756 4.38%
Elizabeth City, NC (FHA|USDA|VA) 1 $225,000 $225,000 $5,494 3.88%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $225,000 $225,000 $12,499 3.75%
Jasper, AL (FHA|USDA|VA) 1 $225,000 $225,000 $6,703 3.75%
Fremont, OH (FHA|USDA|VA) 1 $225,000 $225,000 $10,882 5.38%
MUNCIE, IN (FHA|USDA|VA) 2 $220,000 $110,000 $4,133 5.75%
Dyersburg, TN (FHA|USDA|VA) 2 $220,000 $110,000 $3,678 4.56%
Lawrenceburg, TN (FHA|USDA|VA) 2 $220,000 $110,000 $3,946 3.94%
Aberdeen, WA (FHA|USDA|VA) 2 $220,000 $110,000 $3,466 3.81%
Vicksburg, MS (FHA|USDA|VA) 2 $220,000 $110,000 $3,939 3.00%
Wahpeton, ND-MN (FHA|USDA|VA) 1 $215,000 $215,000 $6,789 3.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,985 3.38%
Winona, MN (FHA|USDA|VA) 1 $215,000 $215,000 $2,191 3.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $210,000 $105,000 $3,427 3.44%
Chillicothe, OH (FHA|USDA|VA) 2 $210,000 $105,000 $4,759 3.44%
Sturgis, MI (FHA|USDA|VA) 2 $210,000 $105,000 $6,408 5.00%
PEORIA, IL (FHA|USDA|VA) 2 $210,000 $105,000 $5,547 4.63%
Berlin, NH (FHA|USDA|VA) 1 $205,000 $205,000 $5,330 3.63%
Pahrump, NV (FHA|USDA|VA) 1 $205,000 $205,000 $4,052 4.25%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $205,000 $205,000 $4,790 3.25%
Orangeburg, SC (FHA|USDA|VA) 2 $200,000 $100,000 $3,794 3.94%
Jefferson, GA (FHA|USDA|VA) 1 $195,000 $195,000 $8,979 5.00%
Safford, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $8,592 4.88%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $195,000 $195,000 $4,751 4.63%
Fernley, NV (FHA|USDA|VA) 1 $195,000 $195,000 $6,545 2.63%
JONESBORO, AR (FHA|USDA|VA) 2 $190,000 $95,000 $7,132 4.06%
Cedartown, GA (FHA|USDA|VA) 1 $185,000 $185,000 $5,900 4.50%
Kendallville, IN (FHA|USDA|VA) 1 $185,000 $185,000 $10,154 5.25%
Fergus Falls, MN (FHA|USDA|VA) 1 $185,000 $185,000 $5,562 3.88%
Harrison, AR (FHA|USDA|VA) 1 $185,000 $185,000 $8,868 2.75%
Fremont, NE (FHA|USDA|VA) 1 $185,000 $185,000 $5,812 4.25%
Portales, NM (FHA|USDA|VA) 1 $185,000 $185,000 $9,666 5.38%
Mountain Home, ID (FHA|USDA|VA) 1 $185,000 $185,000 $4,218 3.13%
Calhoun, GA (FHA|USDA|VA) 1 $185,000 $185,000 $3,635 4.25%
Burley, ID (FHA|USDA|VA) 1 $185,000 $185,000 $9,639 5.00%
Searcy, AR (FHA|USDA|VA) 1 $185,000 $185,000 $5,715 4.63%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $185,000 $185,000 $4,137 4.50%
BAY CITY, MI (FHA|USDA|VA) 2 $180,000 $90,000 $4,621 4.31%
DECATUR, AL (FHA|USDA|VA) 2 $180,000 $90,000 $5,514 5.94%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $180,000 $90,000 $3,467 3.56%
Centralia, WA (FHA|USDA|VA) 1 $175,000 $175,000 $3,948 3.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $175,000 $175,000 $2,391 2.88%
Dayton, TN (FHA|USDA|VA) 1 $175,000 $175,000 $4,369 5.50%
Martin, TN (FHA|USDA|VA) 1 $175,000 $175,000 $5,544 3.13%
Alexandria, MN (FHA|USDA|VA) 1 $175,000 $175,000 $2,136 3.50%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,259 2.88%
Sidney, OH (FHA|USDA|VA) 1 $175,000 $175,000 $6,511 5.13%
Fallon, NV (FHA|USDA|VA) 1 $175,000 $175,000 $3,037 3.88%
Nogales, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $4,872 3.38%
Coffeyville, KS (FHA|USDA|VA) 2 $170,000 $85,000 $4,591 3.69%
Minden, LA (FHA|USDA|VA) 2 $170,000 $85,000 $4,616 4.13%
Findlay, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,130 4.13%
Spirit Lake, IA (FHA|USDA|VA) 1 $165,000 $165,000 $6,338 5.13%
Troy, AL (FHA|USDA|VA) 1 $165,000 $165,000 $9,132 5.75%
Columbus, MS (FHA|USDA|VA) 1 $165,000 $165,000 $7,620 5.38%
Astoria, OR (FHA|USDA|VA) 1 $165,000 $165,000 $5,349 5.88%
BURLINGTON, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,915 3.25%
Roseburg, OR (FHA|USDA|VA) 1 $165,000 $165,000 $3,069 3.63%
Menomonie, WI (FHA|USDA|VA) 1 $165,000 $165,000 $7,805 4.88%
ST. CLOUD, MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,676 3.63%
Fairmont, WV (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.39%
LAWRENCE, KS (FHA|USDA|VA) 1 $155,000 $155,000 $2,194 2.75%
Albemarle, NC (FHA|USDA|VA) 1 $155,000 $155,000 $4,256 5.50%
Greeneville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,586 5.75%
TYLER, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,850 3.25%
CARSON CITY, NV (FHA|USDA|VA) 1 $155,000 $155,000 $7,326 4.13%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $155,000 $155,000 $9,441 4.13%
Frankfort, KY (FHA|USDA|VA) 1 $155,000 $155,000 $5,672 5.13%
YUMA, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $5,468 4.88%
WICHITA FALLS, TX (FHA|USDA|VA) 3 $155,000 $51,667 $2,913 3.79%
Boone, NC (FHA|USDA|VA) 1 $145,000 $145,000 $6,276 3.38%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $145,000 $145,000 $5,644 4.50%
Zanesville, OH (FHA|USDA|VA) 1 $145,000 $145,000 $7,231 3.25%
Spencer, IA (FHA|USDA|VA) 1 $145,000 $145,000 $6,491 5.63%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $145,000 $145,000 $6,270 4.13%
Red Wing, MN (FHA|USDA|VA) 1 $145,000 $145,000 $4,366 5.75%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $145,000 $145,000 $4,618 6.00%
Hutchinson, MN (FHA|USDA|VA) 1 $145,000 $145,000 $5,372 3.00%
Brownsville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $7,783 5.75%
Gaffney, SC (FHA|USDA|VA) 1 $145,000 $145,000 $7,685 3.75%
Quincy, IL-MO (FHA|USDA|VA) 1 $145,000 $145,000 $8,264 4.75%
Evanston, WY (FHA|USDA|VA) 1 $145,000 $145,000 $3,902 5.38%
Athens, OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,435 4.50%
Outside of Metro Areas 1 $145,000 $145,000 $6,131 3.50%
NEW BERN, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,121 2.63%
Murray, KY (FHA|USDA|VA) 1 $145,000 $145,000 $7,245 4.00%
Tifton, GA (FHA|USDA|VA) 2 $140,000 $70,000 $2,961 4.25%
Seneca, SC (FHA|USDA|VA) 1 $135,000 $135,000 $2,879 4.25%
Mountain Home, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,739 5.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $135,000 $135,000 $9,422 4.75%
Kearney, NE (FHA|USDA|VA) 1 $135,000 $135,000 $5,907 6.25%
IOWA CITY, IA (FHA|USDA|VA) 1 $135,000 $135,000 $6,248 4.63%
Vernal, UT (FHA|USDA|VA) 1 $135,000 $135,000 $2,276 2.63%
Danville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,064 5.75%
Coldwater, MI (FHA|USDA|VA) 1 $125,000 $125,000 $5,392 5.00%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $125,000 $125,000 $2,432 2.50%
Paducah, KY-IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,906 6.13%
Cookeville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,825 5.00%
Clearlake, CA (FHA|USDA|VA) 1 $125,000 $125,000 $5,249 4.88%
Riverton, WY (FHA|USDA|VA) 1 $125,000 $125,000 $6,075 4.63%
ALBANY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $7,082 4.75%
GADSDEN, AL (FHA|USDA|VA) 1 $125,000 $125,000 $4,250 5.50%
Russellville, AR (FHA|USDA|VA) 1 $125,000 $125,000 $7,107 3.50%
Marquette, MI (FHA|USDA|VA) 1 $125,000 $125,000 $3,167 2.75%
Marietta, OH (FHA|USDA|VA) 1 $125,000 $125,000 $6,364 5.13%
Madisonville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $5,609 3.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,668 4.75%
LOGAN, UT-ID (FHA|USDA|VA) 1 $125,000 $125,000 $3,153 3.13%
Selma, AL (FHA|USDA|VA) 1 $125,000 $125,000 $6,862 5.25%
El Dorado, AR (FHA|USDA|VA) 1 $125,000 $125,000 $4,720 3.88%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $125,000 $125,000 $5,867 4.50%
Jamestown, ND (FHA|USDA|VA) 1 $125,000 $125,000 $5,241 4.88%
Eufaula, AL-GA (FHA|USDA|VA) 1 $115,000 $115,000 $3,799 7.25%
DECATUR, IL (FHA|USDA|VA) 1 $115,000 $115,000 $8,444 5.00%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,920 4.13%
Lexington, NE (FHA|USDA|VA) 1 $115,000 $115,000 $3,773 3.75%
DUBUQUE, IA (FHA|USDA|VA) 1 $115,000 $115,000 $6,911 4.63%
North Platte, NE (FHA|USDA|VA) 1 $115,000 $115,000 $4,650 5.75%
Mayfield, KY (FHA|USDA|VA) 1 $115,000 $115,000 $5,391 2.75%
Rochelle, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,843 4.88%
Coshocton, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,972 5.50%
FARGO, ND-MN (FHA|USDA|VA) 1 $115,000 $115,000 $2,733 4.13%
APPLETON, WI (FHA|USDA|VA) 1 $115,000 $115,000 $6,597 3.88%
Holland, MI (FHA|USDA|VA) 1 $115,000 $115,000 $3,342 3.38%
SUMTER, SC (FHA|USDA|VA) 1 $115,000 $115,000 $2,535 3.88%
AMARILLO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,903 2.63%
GRANTS PASS, OR (FHA|USDA|VA) 1 $115,000 $115,000 $4,762 4.13%
Cordele, GA (FHA|USDA|VA) 1 $105,000 $105,000 $5,340 2.88%
Blackfoot, ID (FHA|USDA|VA) 1 $105,000 $105,000 $3,341 3.63%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $105,000 $105,000 $6,728 5.25%
Milledgeville, GA (FHA|USDA|VA) 1 $105,000 $105,000 $5,484 5.75%
Hereford, TX (FHA|USDA|VA) 1 $105,000 $105,000 $5,948 2.88%
Defiance, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,913 3.75%
Marion, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,374 3.25%
Meridian, MS (FHA|USDA|VA) 1 $105,000 $105,000 $6,698 4.50%
Fort Payne, AL (FHA|USDA|VA) 1 $95,000 $95,000 $6,214 2.88%
Gallup, NM (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.75%
FARMINGTON, NM (FHA|USDA|VA) 1 $95,000 $95,000 $3,212 2.63%
Jackson, OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,324 3.50%
Bluefield, WV-VA (FHA|USDA|VA) 1 $95,000 $95,000 $4,866 7.63%
Bogalusa, LA (FHA|USDA|VA) 1 $95,000 $95,000 $3,725 3.13%
Magnolia, AR (FHA|USDA|VA) 1 $95,000 $95,000 $3,661 2.63%
Cambridge, OH (FHA|USDA|VA) 1 $95,000 $95,000 $6,598 3.25%
Adrian, MI (FHA|USDA|VA) 1 $95,000 $95,000 $3,830 5.50%
Nacogdoches, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,019 2.75%
CLEVELAND, TN (FHA|USDA|VA) 1 $95,000 $95,000 $3,238 4.88%
St. Marys, PA (FHA|USDA|VA) 1 $85,000 $85,000 $6,531 5.25%
Centralia, IL (FHA|USDA|VA) 1 $85,000 $85,000 $5,366 3.50%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,406 4.63%
MANKATO, MN (FHA|USDA|VA) 1 $85,000 $85,000 $2,149 3.63%
Sedalia, MO (FHA|USDA|VA) 1 $85,000 $85,000 $4,025 3.63%
Decatur, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,274 6.50%
Lebanon, MO (FHA|USDA|VA) 1 $85,000 $85,000 $4,993 5.75%
Durant, OK (FHA|USDA|VA) 1 $85,000 $85,000 $5,177 4.13%
BECKLEY, WV (FHA|USDA|VA) 1 $85,000 $85,000 $5,679 3.25%
Bardstown, KY (FHA|USDA|VA) 1 $85,000 $85,000 $2,786 2.88%
Ashtabula, OH (FHA|USDA|VA) 1 $85,000 $85,000 $4,319 4.88%
Vidalia, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,054 3.88%
Hays, KS (FHA|USDA|VA) 1 $85,000 $85,000 $4,264 5.00%
Pontiac, IL (FHA|USDA|VA) 1 $75,000 $75,000 $4,205 4.25%
MONROE, LA (FHA|USDA|VA) 1 $75,000 $75,000 $6,004 4.75%
Angola, IN (FHA|USDA|VA) 1 $75,000 $75,000 $1,971 3.25%
ABILENE, TX (FHA|USDA|VA) 1 $75,000 $75,000 $4,843 4.00%
KOKOMO, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,950 3.50%
Madison, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,383 3.75%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $75,000 $75,000 $3,430 3.63%
North Vernon, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,164 2.88%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $65,000 $65,000 $4,576 4.63%
Warren, PA (FHA|USDA|VA) 1 $65,000 $65,000 $4,802 5.50%
Wapakoneta, OH (FHA|USDA|VA) 1 $65,000 $65,000 $3,107 4.00%
Athens, TN (FHA|USDA|VA) 1 $65,000 $65,000 $6,072 5.63%
WHEELING, WV-OH (FHA|USDA|VA) 1 $65,000 $65,000 $4,509 3.75%
Stillwater, OK (FHA|USDA|VA) 1 $65,000 $65,000 $4,564 3.50%
Kirksville, MO (FHA|USDA|VA) 1 $65,000 $65,000 $5,960 5.75%
Rolla, MO (FHA|USDA|VA) 1 $65,000 $65,000 $3,167 3.63%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $65,000 $65,000 $3,839 6.63%
Central City, KY (FHA|USDA|VA) 1 $65,000 $65,000 $3,652 3.75%
Ottumwa, IA (FHA|USDA|VA) 1 $65,000 $65,000 $4,878 4.25%
Clinton, IA (FHA|USDA|VA) 1 $65,000 $65,000 $4,948 5.75%
Greenville, OH (FHA|USDA|VA) 1 $65,000 $65,000 $3,836 5.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $3,519 3.88%
Summerville, GA (FHA|USDA|VA) 1 $55,000 $55,000 $4,140 4.88%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.13%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $35,000 $35,000 $2,888 3.38%
Corsicana, TX (FHA|USDA|VA) 1 $35,000 $35,000 $2,367 3.25%
Plainview, TX (FHA|USDA|VA) 1 $25,000 $25,000 $216 6.50%
Martinsville, VA (FHA|USDA|VA) 1 $15,000 $15,000 $0 2.49%
M&t Bank's top markets include New York, Buffalo, Washington, Baltimore, and Bridgeport among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against M&T Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SECNY Federal Credit Union
    Similarity Rank: 38
    Pittsford Federal Credit Union
    Similarity Rank: 39
    POINT BREEZE
    Similarity Rank: 63
    BELLCO
    Similarity Rank: 88
    Foote Capital Mortgage Company
    Similarity Rank: 133
    Los Angeles Federal Credit Union
    Similarity Rank: 136
    ESL Federal Credit Union
    Similarity Rank: 192
    The Honesdale National Bank
    Similarity Rank: 250
    ESSA Bank & Trust
    Similarity Rank: 312

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 12,596 $1,513,720,000 $120,175 n/a 4.56%
    Conventional 11,530 $3,593,750,000 $311,687 $5,150 4.26%
    FHA 1,892 $392,040,000 $207,209 $8,302 4.42%
    VA 470 $134,550,000 $286,277 $7,197 3.89%
    USDA 9 $1,605,000 $178,333 $6,078 4.06%

    For 2022, M&t Bank's most frequently originated type of loan was HELOC, with 12,596 originations. Their 2nd most popular type was Conventional, with 11,530 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,994 $2,289,560,000 $327,361 $5,971 4.54%
    Home Improvement 6,884 $730,590,000 $106,129 $5,472 4.59%
    Cash Out Refi 5,075 $1,161,355,000 $228,838 $5,813 4.21%
    Refi 4,819 $1,047,485,000 $217,366 $4,485 4.00%
    Other 2,725 $406,675,000 $149,239 $5,770 4.71%

    For 2022, M&t Bank's most frequently cited loan purpose was Home Purchase, with 6,994 originations. The 2nd most popular reason was Home Improvement, with 6,884 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 22,847 $4,532,505,000 $198,385 $6,025 4.50%
    15 Year 1,758 $360,240,000 $204,915 $4,587 3.50%
    10 Year 675 $60,395,000 $89,474 $3,707 4.02%
    20 Year 527 $105,245,000 $199,706 $4,401 3.95%
    Other 523 $327,225,000 $625,669 $5,022 3.87%
    5 Year 159 $172,725,000 $1,086,321 $0 5.17%
    3 Year 4 $69,930,000 $17,482,500 $0 5.46%
    1 Year 3 $6,755,000 $2,251,667 $0 6.52%
    30+ year 1 $645,000 $645,000 $5,715 4.13%

    For 2022, M&t Bank's most frequently cited loan duration was 30 Year, with 22,847 originations. The 2nd most popular length was 15 Year, with 1,758 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 5,861 $1,624,735,000 $277,211
    $2k-3k 2,396 $509,250,000 $212,542
    $3k-4k 1,412 $338,350,000 $239,625
    $5k+ 1,222 $502,440,000 $411,162
    $<1k 962 $266,870,000 $277,412
    $4k-5k 838 $233,210,000 $278,294

    M&t Bank's average total fees were $6,025, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,861 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 8,948 $1,951,270,000 $218,068
    4-5% 5,889 $1,424,735,000 $241,932
    5-6% 3,398 $787,340,000 $231,707
    <2.5% 2,725 $417,095,000 $153,062
    2.5-3% 1,604 $528,030,000 $329,196
    6-7% 1,467 $291,905,000 $198,981
    7-8% 990 $169,410,000 $171,121
    Over 8% 970 $60,340,000 $62,206

    During 2022, M&t Bank's average interest rate for loans was 4.50%, while their most frequently originated rate bucket for loans was 3-4%, with 8,948 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 9,372 $1,287,660,000 $137,394 $4,816 4.29%
    $100,000 or less 8,484 $448,080,000 $52,815 $4,049 4.75%
    $200k-400k 5,808 $1,582,090,000 $272,398 $6,076 4.30%
    $400k-600k 1,574 $747,990,000 $475,216 $7,128 4.13%
    $600k-1MM 911 $669,145,000 $734,517 $8,334 3.95%
    $1MM+ 348 $900,700,000 $2,588,218 $10,706 3.87%

    2022 saw M&t Bank place emphasis on $100k-200k loans with 9,372 originations, totaling $1,287,660,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 5,324 $1,014,900,000 $190,627 $5,921 4.44%
    $50k-75k 5,323 $696,875,000 $130,918 $5,214 4.45%
    $75k-100k 4,257 $665,995,000 $156,447 $5,666 4.42%
    $50k or less 3,835 $376,025,000 $98,051 $4,791 4.48%
    $150k-250k 3,794 $982,490,000 $258,959 $6,454 4.33%
    $250k+ 2,273 $1,148,585,000 $505,317 $7,664 4.22%

    M&t Bank lent most frequently to those with incomes in the $100k-150k range, with 5,324 originations. The second most popular income band? $50k-75k, with 5,323 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 5,563 $1,095,055,000 $196,846 $5,226 4.29%
    30-36% 4,572 $930,340,000 $203,486 $5,384 4.35%
    <20% 2,388 $450,780,000 $188,769 $4,976 4.18%
    50-60% 2,253 $357,495,000 $158,675 $8,288 4.64%
    42% 960 $204,230,000 $212,740 $5,954 4.42%
    41% 915 $191,585,000 $209,383 $5,809 4.36%
    40% 899 $187,975,000 $209,093 $5,595 4.46%
    43% 864 $170,420,000 $197,245 $5,931 4.50%
    39% 832 $170,460,000 $204,880 $5,588 4.51%
    38% 830 $182,130,000 $219,434 $5,717 4.39%
    37% 827 $168,595,000 $203,863 $5,695 4.38%
    44% 804 $160,330,000 $199,415 $5,676 4.52%
    36% 773 $157,825,000 $204,172 $5,472 4.41%
    45% 668 $130,480,000 $195,329 $6,379 4.65%
    49% 647 $134,555,000 $207,968 $6,576 4.62%
    48% 641 $123,605,000 $192,832 $6,318 4.44%
    46% 600 $116,820,000 $194,700 $6,611 4.58%
    47% 587 $111,335,000 $189,668 $5,892 4.67%
    >60% 84 $15,600,000 $185,714 $6,078 4.14%

    M&t Bank lent most frequently to those with DTI ratios of 20-30%, with 5,563 originations. The next most common DTI ratio? 30-36%, with 4,572 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 20,033 $3,732,075,000 $186,296 $5,436 4.41%
    Not applicable 265 $544,055,000 $2,053,038 $7,445 5.01%
    Not provided 2,277 $507,245,000 $222,769 $5,968 4.30%
    Black 2,581 $463,195,000 $179,463 $6,603 4.45%
    Asian 855 $278,095,000 $325,257 $6,189 4.21%
    Asian Indian 117 $42,085,000 $359,701 $7,099 4.21%
    American Indian 143 $26,155,000 $182,902 $6,127 4.39%
    Other Asian 68 $16,100,000 $236,765 $6,396 4.78%
    Native Hawaiian or Islander 20 $4,460,000 $223,000 $7,975 4.11%
    Chinese 18 $4,370,000 $242,778 $4,554 4.88%
    Filipino 23 $4,055,000 $176,304 $5,209 4.36%
    44 $4,030,000 $91,591 $5,563 4.85%
    Other Pacific Islander 20 $2,840,000 $142,000 $9,574 4.66%
    Korean 14 $2,790,000 $199,286 $8,986 4.63%
    Vietnamese 11 $1,915,000 $174,091 $5,874 3.84%
    Japanese 3 $1,005,000 $335,000 $5,713 3.88%
    Native Hawaiian 3 $995,000 $331,667 $11,229 3.63%
    Guamanian 2 $200,000 $100,000 $3,537 3.37%

    Approval Rates

    Total approvals of all applications
    76.13%

    M&t Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.30%

    M&t Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 26,497 $5,635,665,000 $212,691

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    26,497 $5,635,665,000 $212,691

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 5,482 $769,450,000 $140,359 $4,303 4.37%
    40-60% 4,006 $1,043,310,000 $260,437 $4,719 4.08%
    60-80% 6,036 $1,903,260,000 $315,318 $5,863 4.22%
    80-100% 4,914 $1,446,270,000 $294,316 $6,269 4.46%
    Over 100% 33 $54,725,000 $1,658,333 $15,913 4.55%
    Under 20% 5,962 $410,900,000 $68,920 $3,776 4.83%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    M&T BANK CORPORATION Conventional home mortgage Struggling to pay mortgage 1 33.3%
    M&T BANK CORPORATION Conventional home mortgage Trouble during payment process 1 33.3%
    M&T BANK CORPORATION FHA mortgage Struggling to pay mortgage 1 33.3%