M&t Bank Mortgage Rates, Fees & Info
Buffalo, NYLEI: WWB2V0FCW3A0EE3ZJN75
Tax ID: 16-0538020
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Review & Overview
M&t Bank is a mid-sized bank specializing in Home Purchase and Refi loans. M&t Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA 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: New York, Buffalo, Baltimore, Washington, and Philadelphia among others. We have data for 350 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/17/24 |
| 30 Year Conventional Purchase | 6.46% | 12/17/24 |
| 30 Year Conventional Refi | 6.40% | 12/17/24 |
| 30 Year Cash-out Refi | 6.64% | 12/17/24 |
| 30 Year FHA Purchase | 7.24% | 12/17/24 |
| 30 Year FHA Refi | 7.15% | 12/17/24 |
| 30 Year VA Purchase | 6.11% | 12/17/24 |
| 30 Year VA Refi | 5.94% | 12/17/24 |
| 30 Year USDA Purchase | 7.05% | 12/17/24 |
| 30 Year USDA Refi | 6.27% | 12/17/24 |
| 15 Year Conventional Purchase | 6.14% | 12/17/24 |
| 15 Year Conventional Refi | 6.16% | 12/17/24 |
| 15 Year Cash-out Refi | 6.16% | 12/17/24 |
| 15 Year FHA Purchase | 7.17% | 12/17/24 |
| 15 Year FHA Refi | 7.04% | 12/17/24 |
| 15 Year VA Purchase | 6.24% | 12/17/24 |
| 15 Year VA Refi | 5.94% | 12/17/24 |
| 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
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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
23,476Origination Dollar Volume (All Markets)
$4,529,330,000Employee count
16,341Awards
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M&T Bank - 2018
M&T Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 2,305 | $1,166,045,000 | $505,876 | $6,822 | 4.36% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4,205 | $505,465,000 | $120,206 | $3,911 | 4.59% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2,469 | $352,235,000 | $142,663 | $5,116 | 4.48% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1,296 | $325,680,000 | $251,296 | $6,538 | 4.32% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1,158 | $186,380,000 | $160,950 | $4,985 | 4.35% |
| ROCHESTER, NY (FHA|USDA|VA) | 1,270 | $155,890,000 | $122,748 | $3,742 | 4.52% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 358 | $106,580,000 | $297,709 | $4,616 | 4.47% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 477 | $98,315,000 | $206,111 | $4,943 | 4.54% |
| Outside of Metro Areas | 673 | $95,475,000 | $141,865 | $4,114 | 4.59% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 574 | $85,260,000 | $148,537 | $4,994 | 4.47% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 775 | $83,995,000 | $108,381 | $4,229 | 4.45% |
| RICHMOND, VA (FHA|USDA|VA) | 170 | $82,050,000 | $482,647 | $4,911 | 4.35% |
| SYRACUSE, NY (FHA|USDA|VA) | 708 | $71,810,000 | $101,427 | $4,361 | 4.57% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 182 | $56,270,000 | $309,176 | $5,832 | 4.71% |
| LANCASTER, PA (FHA|USDA|VA) | 179 | $55,705,000 | $311,201 | $4,699 | 4.32% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 161 | $55,035,000 | $341,832 | $6,576 | 4.17% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 373 | $48,845,000 | $130,952 | $4,057 | 4.57% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 28 | $41,690,000 | $1,488,929 | $5,791 | 4.46% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 118 | $39,650,000 | $336,017 | $5,861 | 4.58% |
| BINGHAMTON, NY (FHA|USDA|VA) | 470 | $37,450,000 | $79,681 | $4,018 | 4.69% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 400 | $36,880,000 | $92,200 | $3,925 | 4.55% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 66 | $31,120,000 | $471,515 | $6,247 | 4.36% |
| UTICA-ROME, NY (FHA|USDA|VA) | 287 | $30,045,000 | $104,686 | $4,176 | 4.62% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 289 | $29,745,000 | $102,924 | $3,891 | 4.58% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 88 | $28,280,000 | $321,364 | $3,841 | 4.62% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 264 | $26,880,000 | $101,818 | $3,873 | 4.79% |
| PROVO-OREM, UT (FHA|USDA|VA) | 100 | $26,480,000 | $264,800 | $4,855 | 4.52% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 81 | $24,075,000 | $297,222 | $4,715 | 4.52% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 232 | $23,540,000 | $101,466 | $4,228 | 4.48% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 19 | $21,055,000 | $1,108,158 | $9,418 | 4.00% |
| READING, PA (FHA|USDA|VA) | 241 | $20,985,000 | $87,075 | $4,182 | 4.59% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 48 | $20,050,000 | $417,708 | $6,139 | 4.55% |
| DOVER, DE (FHA|USDA|VA) | 171 | $19,285,000 | $112,778 | $5,776 | 4.31% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 6 | $18,600,000 | $3,100,000 | $6,382 | 4.37% |
| KINGSTON, NY (FHA|USDA|VA) | 133 | $16,765,000 | $126,053 | $3,813 | 4.40% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 130 | $15,680,000 | $120,615 | $4,250 | 4.61% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $12,890,000 | $6,445,000 | $3,179 | 4.73% |
| Pottsville, PA (FHA|USDA|VA) | 154 | $12,400,000 | $80,519 | $3,686 | 4.40% |
| Batavia, NY (FHA|USDA|VA) | 137 | $11,625,000 | $84,854 | $4,264 | 4.65% |
| ALTOONA, PA (FHA|USDA|VA) | 140 | $11,030,000 | $78,786 | $3,509 | 4.56% |
| Auburn, NY (FHA|USDA|VA) | 90 | $10,860,000 | $120,667 | $5,003 | 4.34% |
| Key West, FL (FHA|USDA|VA) | 7 | $10,645,000 | $1,520,714 | $10,015 | 4.11% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 41 | $10,525,000 | $256,707 | $5,385 | 4.47% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 92 | $10,130,000 | $110,109 | $4,897 | 4.36% |
| Olean, NY (FHA|USDA|VA) | 88 | $8,700,000 | $98,864 | $3,930 | 4.42% |
| ITHACA, NY (FHA|USDA|VA) | 58 | $8,660,000 | $149,310 | $4,973 | 4.62% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 35 | $7,875,000 | $225,000 | $4,983 | 4.54% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 22 | $7,850,000 | $356,818 | $5,173 | 4.65% |
| GETTYSBURG, PA (FHA|USDA|VA) | 84 | $7,770,000 | $92,500 | $3,845 | 4.92% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $7,320,000 | $732,000 | $4,812 | 4.66% |
| Sunbury, PA (FHA|USDA|VA) | 95 | $7,175,000 | $75,526 | $3,667 | 4.49% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 39 | $7,155,000 | $183,462 | $3,624 | 4.70% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 94 | $7,040,000 | $74,894 | $3,666 | 4.71% |
| Sayre, PA (FHA|USDA|VA) | 69 | $6,875,000 | $99,638 | $4,167 | 4.64% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 8 | $6,700,000 | $837,500 | $4,623 | 4.89% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 21 | $6,685,000 | $318,333 | $5,737 | 4.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 14 | $6,330,000 | $452,143 | $4,932 | 4.47% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 25 | $6,325,000 | $253,000 | $5,185 | 4.28% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 15 | $5,885,000 | $392,333 | $6,455 | 4.36% |
| Easton, MD (FHA|USDA|VA) | 24 | $5,870,000 | $244,583 | $4,858 | 4.76% |
| LEBANON, PA (FHA|USDA|VA) | 57 | $5,815,000 | $102,018 | $4,844 | 4.18% |
| GLENS FALLS, NY (FHA|USDA|VA) | 27 | $5,545,000 | $205,370 | $5,245 | 4.46% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 20 | $4,960,000 | $248,000 | $5,254 | 4.49% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 12 | $4,890,000 | $407,500 | $6,295 | 4.62% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $4,710,000 | $2,355,000 | $5,314 | 4.82% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 24 | $4,680,000 | $195,000 | $5,189 | 4.73% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 29 | $4,505,000 | $155,345 | $4,895 | 4.58% |
| Lewisburg, PA (FHA|USDA|VA) | 35 | $4,505,000 | $128,714 | $3,362 | 4.32% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 25 | $4,405,000 | $176,200 | $4,819 | 4.68% |
| Corning, NY (FHA|USDA|VA) | 44 | $4,340,000 | $98,636 | $3,943 | 4.87% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 51 | $4,325,000 | $84,804 | $4,308 | 4.77% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 55 | $4,275,000 | $77,727 | $4,292 | 4.51% |
| ST. GEORGE, UT (FHA|USDA|VA) | 9 | $4,195,000 | $466,111 | $3,739 | 4.97% |
| SALEM, OR (FHA|USDA|VA) | 15 | $4,005,000 | $267,000 | $5,772 | 4.62% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 8 | $3,930,000 | $491,250 | $5,877 | 4.52% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 11 | $3,855,000 | $350,455 | $4,877 | 4.84% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 28 | $3,810,000 | $136,071 | $4,498 | 4.82% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 25 | $3,765,000 | $150,600 | $4,248 | 4.76% |
| Heber, UT (FHA|USDA|VA) | 8 | $3,760,000 | $470,000 | $4,782 | 4.47% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 18 | $3,670,000 | $203,889 | $4,293 | 4.58% |
| Breckenridge, CO (FHA|USDA|VA) | 10 | $3,530,000 | $353,000 | $5,760 | 4.55% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 14 | $3,440,000 | $245,714 | $5,084 | 4.60% |
| Oneonta, NY (FHA|USDA|VA) | 33 | $3,425,000 | $103,788 | $4,292 | 4.80% |
| Taos, NM (FHA|USDA|VA) | 14 | $3,360,000 | $240,000 | $4,503 | 4.56% |
| LONGVIEW, WA (FHA|USDA|VA) | 12 | $3,350,000 | $279,167 | $4,962 | 4.59% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $3,350,000 | $335,000 | $3,747 | 4.53% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 9 | $3,225,000 | $358,333 | $4,104 | 4.68% |
| Cambridge, MD (FHA|USDA|VA) | 30 | $3,090,000 | $103,000 | $5,120 | 4.86% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 10 | $3,070,000 | $307,000 | $4,012 | 4.64% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $3,060,000 | $765,000 | $4,363 | 3.94% |
| Lock Haven, PA (FHA|USDA|VA) | 41 | $2,975,000 | $72,561 | $3,798 | 4.67% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 14 | $2,930,000 | $209,286 | $4,344 | 4.54% |
| BEND, OR (FHA|USDA|VA) | 11 | $2,925,000 | $265,909 | $4,741 | 4.50% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $2,830,000 | $471,667 | $4,449 | 4.63% |
| Cortland, NY (FHA|USDA|VA) | 33 | $2,775,000 | $84,091 | $4,133 | 4.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 22 | $2,740,000 | $124,545 | $4,724 | 4.23% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 11 | $2,665,000 | $242,273 | $6,229 | 4.45% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 15 | $2,535,000 | $169,000 | $3,771 | 4.74% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $2,485,000 | $276,111 | $4,771 | 4.69% |
| Newport, OR (FHA|USDA|VA) | 11 | $2,485,000 | $225,909 | $4,980 | 4.42% |
| PITTSBURGH, PA (FHA|USDA|VA) | 15 | $2,445,000 | $163,000 | $3,854 | 4.91% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 13 | $2,435,000 | $187,308 | $3,902 | 4.51% |
| Hudson, NY (FHA|USDA|VA) | 15 | $2,405,000 | $160,333 | $4,057 | 4.32% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $2,305,000 | $2,305,000 | $0 | 3.63% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 18 | $2,300,000 | $127,778 | $3,754 | 4.33% |
| Seneca Falls, NY (FHA|USDA|VA) | 19 | $2,285,000 | $120,263 | $3,461 | 5.26% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 15 | $2,285,000 | $152,333 | $4,656 | 5.03% |
| Selinsgrove, PA (FHA|USDA|VA) | 25 | $2,235,000 | $89,400 | $4,195 | 4.52% |
| Bennington, VT (FHA|USDA|VA) | 2 | $2,230,000 | $1,115,000 | $7,750 | 3.94% |
| Astoria, OR (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $6,621 | 4.47% |
| COLUMBUS, OH (FHA|USDA|VA) | 15 | $2,185,000 | $145,667 | $5,258 | 4.78% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 15 | $2,085,000 | $139,000 | $4,962 | 4.32% |
| Torrington, CT (FHA|USDA|VA) | 9 | $2,015,000 | $223,889 | $4,622 | 4.21% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 9 | $1,985,000 | $220,556 | $3,972 | 4.58% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 8 | $1,800,000 | $225,000 | $4,906 | 4.55% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $5,554 | 4.55% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $5,293 | 4.67% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $8,278 | 4.43% |
| Shelton, WA (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $5,112 | 4.42% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $4,498 | 4.55% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $1,545,000 | $515,000 | $0 | 5.13% |
| ELMIRA, NY (FHA|USDA|VA) | 20 | $1,520,000 | $76,000 | $4,737 | 4.48% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $5,845 | 3.37% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 9 | $1,485,000 | $165,000 | $3,996 | 4.65% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $3,983 | 4.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 9 | $1,435,000 | $159,444 | $5,687 | 4.67% |
| DuBois, PA (FHA|USDA|VA) | 18 | $1,430,000 | $79,444 | $3,535 | 4.86% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $3,749 | 4.15% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $4,752 | 4.85% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $3,747 | 4.79% |
| Hood River, OR (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $7,791 | 4.79% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $1,330,000 | $166,250 | $4,972 | 4.64% |
| Centralia, WA (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $5,023 | 4.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $4,776 | 5.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $4,621 | 5.17% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $2,905 | 4.44% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $4,833 | 4.58% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $1,230,000 | $153,750 | $3,470 | 4.72% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 7 | $1,215,000 | $173,571 | $3,644 | 4.55% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $4,606 | 4.40% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $9,847 | 4.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $4,501 | 4.61% |
| Gloversville, NY (FHA|USDA|VA) | 12 | $1,110,000 | $92,500 | $3,453 | 4.36% |
| Outside of Metro Areas | 4 | $1,100,000 | $275,000 | $6,741 | 4.88% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 11 | $1,055,000 | $95,909 | $4,483 | 4.45% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $6,301 | 4.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $4,580 | 4.13% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 12 | $950,000 | $79,167 | $3,633 | 4.15% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,900 | 4.46% |
| Durango, CO (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $4,494 | 4.75% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $4,612 | 4.72% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $5,225 | 4.28% |
| Prineville, OR (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $5,644 | 4.96% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,606 | 4.69% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $4,675 | 4.53% |
| RENO, NV (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $4,210 | 5.09% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $6,334 | 4.78% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $5,174 | 4.50% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $3,921 | 4.69% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $3,692 | 4.54% |
| TULSA, OK (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $6,126 | 4.00% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $5,365 | 4.33% |
| JACKSON, MS (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $5,099 | 4.70% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,452 | 4.75% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $3,545 | 4.70% |
| LOGAN, UT-ID (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $3,482 | 4.72% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $6,670 | 4.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,795 | 4.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,058 | 4.75% |
| Lewistown, PA (FHA|USDA|VA) | 6 | $640,000 | $106,667 | $4,068 | 5.40% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $7,521 | 4.50% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,488 | 4.46% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $9,400 | 4.31% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $4,926 | 4.44% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,285 | 4.33% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,061 | 4.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $2,981 | 4.53% |
| Warren, PA (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $5,169 | 4.37% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,653 | 4.50% |
| Huntingdon, PA (FHA|USDA|VA) | 7 | $575,000 | $82,143 | $3,699 | 5.17% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,268 | 3.63% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,253 | 4.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,359 | 4.88% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,282 | 4.63% |
| Blackfoot, ID (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $0 | 5.00% |
| Somerset, PA (FHA|USDA|VA) | 5 | $555,000 | $111,000 | $4,612 | 4.25% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,375 | 5.00% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,594 | 5.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $4,499 | 4.69% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,087 | 4.71% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,385 | 4.31% |
| Plattsburgh, NY (FHA|USDA|VA) | 5 | $505,000 | $101,000 | $4,590 | 5.14% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,106 | 4.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $6,987 | 4.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $3,758 | 5.06% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,782 | 4.00% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,499 | 4.19% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,638 | 4.63% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,477 | 4.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,851 | 3.94% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,136 | 4.46% |
| AKRON, OH (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,324 | 4.38% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,847 | 4.69% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,842 | 4.69% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $4,888 | 4.47% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,488 | 4.69% |
| Amsterdam, NY (FHA|USDA|VA) | 5 | $385,000 | $77,000 | $3,059 | 4.55% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,876 | 4.46% |
| CHICO, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,399 | 4.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,584 | 4.38% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,390 | 4.75% |
| Malone, NY (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $3,303 | 3.96% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,780 | 4.88% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,758 | 5.06% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,984 | 4.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,953 | 5.00% |
| MONROE, MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,027 | 4.13% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 4.50% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,270 | 4.88% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,304 | 4.79% |
| New Castle, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,788 | 4.00% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,323 | 4.63% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,753 | 4.13% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,643 | 4.75% |
| Concord, NH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,662 | 4.50% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,840 | 4.25% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,034 | 4.75% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,879 | 4.75% |
| ERIE, PA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 3.31% |
| MERCED, CA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,789 | 5.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,945 | 4.13% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,193 | 4.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,747 | 4.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,230 | 4.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $3,131 | 4.21% |
| London, KY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,131 | 4.44% |
| Tifton, GA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,925 | 4.06% |
| Pullman, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,379 | 3.88% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,628 | 4.63% |
| FLINT, MI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,122 | 4.25% |
| NAPA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.25% |
| LAWTON, OK (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $4,338 | 5.08% |
| Moscow, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,304 | 3.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,912 | 4.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,363 | 4.25% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,910 | 5.06% |
| Payson, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,419 | 4.88% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,365 | 4.50% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,402 | 5.00% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,573 | 4.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,220 | 4.38% |
| Fernley, NV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,905 | 4.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,289 | 4.44% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,923 | 4.50% |
| OCALA, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,329 | 4.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,194 | 4.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,262 | 4.50% |
| Ruston, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,155 | 5.25% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,449 | 4.88% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $5,659 | 4.44% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,462 | 4.75% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,034 | 4.25% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,205 | 4.88% |
| Garden City, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,720 | 4.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,606 | 4.63% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,553 | 4.75% |
| Española, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,315 | 4.75% |
| Vernal, UT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,373 | 5.50% |
| Dayton, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,088 | 4.38% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,441 | 4.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $4,587 | 5.19% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,245 | 4.75% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,736 | 4.38% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,505 | 4.75% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,374 | 4.75% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,511 | 4.25% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,230 | 5.88% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,262 | 4.75% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,427 | 4.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,433 | 4.88% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.50% |
| Troy, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,761 | 4.25% |
| Shelby, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,509 | 4.63% |
| Marion, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,229 | 5.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,576 | 4.50% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,898 | 5.75% |
| Jasper, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,481 | 4.63% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,025 | 4.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,157 | 4.75% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,864 | 4.88% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,921 | 4.88% |
| Elko, NV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,964 | 5.13% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,010 | 4.63% |
| Fallon, NV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,211 | 4.63% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,939 | 4.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.50% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,376 | 5.25% |
| Bradford, PA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $4,557 | 5.47% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $4,798 | 3.62% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $3,721 | 6.02% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,447 | 4.38% |
| Wooster, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,555 | 3.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,540 | 4.50% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,863 | 4.25% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,339 | 4.88% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,798 | 4.75% |
| Austin, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,476 | 4.50% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,925 | 4.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,028 | 4.13% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,937 | 4.50% |
| Alice, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,218 | 5.50% |
| Madison, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,566 | 4.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,652 | 3.75% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,775 | 4.38% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,388 | 4.88% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,475 | 4.38% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,813 | 4.38% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,330 | 4.75% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,165 | 4.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,339 | 5.13% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,386 | 4.13% |
| Paragould, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,097 | 5.25% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,995 | 4.13% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,965 | 4.38% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,971 | 5.38% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,304 | 4.25% |
| DALTON, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,276 | 4.75% |
| La Grande, OR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,395 | 5.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,563 | 4.13% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,313 | 5.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,504 | 3.63% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,223 | 4.38% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,540 | 4.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,246 | 5.25% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,963 | 3.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,871 | 4.50% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,128 | 4.63% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,968 | 4.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.38% |
| Ludington, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,572 | 5.00% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,911 | 4.75% |
| Danville, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,994 | 5.63% |
| McComb, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,448 | 5.00% |
| Rolla, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.13% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,061 | 4.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,859 | 4.13% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,611 | 3.50% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.74% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,262 | 5.00% |
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.
POINT BREEZE
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Product Mix
For 2018, M&t Bank's most frequently originated type of loan was HELOC, with 12,577 originations. Their 2nd most popular type was Conventional, with 8,883 originations.
Loan Reason
For 2018, M&t Bank's most frequently cited loan purpose was Home Purchase, with 7,273 originations. The 2nd most popular reason was Refi, with 6,774 originations.
Loan Duration/Length
For 2018, M&t Bank's most frequently cited loan duration was 30 Year, with 20,513 originations. The 2nd most popular length was 15 Year, with 1,083 originations.
Origination Fees/Closing Costs
M&t Bank's average total fees were $5,060, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,530 originations.
Interest Rates
During 2018, M&t Bank's average interest rate for loans was 4.50%, while their most frequently originated rate bucket for loans was 4-5%, with 8,800 originations.
Loan Sizing
2018 saw M&t Bank place emphasis on $100,000 or less loans with 10,238 originations, totaling $514,300,000 in origination value.
Applicant Income
M&t Bank lent most frequently to those with incomes in the $50k-75k range, with 5,296 originations. The second most popular income band? $50k or less, with 5,130 originations.
Applicant Debt to Income Ratio
M&t Bank lent most frequently to those with DTI ratios of 20-30%, with 5,015 originations. The next most common DTI ratio? 30-36%, with 3,932 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications75.60%
M&t Bank has a below average approval rate.
Pick Rate
Approvals leading to origination88.33%
M&t Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 23,476 | $4,529,330,000 | $192,934 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| M&T BANK CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 1.4% |
| M&T BANK CORPORATION | Conventional home mortgage | Closing on a mortgage | 4 | 1.8% |
| M&T BANK CORPORATION | Conventional home mortgage | Incorrect information on your report | 1 | 0.5% |
| M&T BANK CORPORATION | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.5% |
| M&T BANK CORPORATION | Conventional home mortgage | Struggling to pay mortgage | 38 | 17.4% |
| M&T BANK CORPORATION | Conventional home mortgage | Trouble during payment process | 43 | 19.6% |
| M&T BANK CORPORATION | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 1.4% |
| M&T BANK CORPORATION | FHA mortgage | Incorrect information on your report | 2 | 0.9% |
| M&T BANK CORPORATION | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.5% |
| M&T BANK CORPORATION | FHA mortgage | Struggling to pay mortgage | 24 | 11.0% |
| M&T BANK CORPORATION | FHA mortgage | Trouble during payment process | 23 | 10.5% |
| M&T BANK CORPORATION | FHA mortgage | Unable to get your credit report or credit score | 1 | 0.5% |
| M&T BANK CORPORATION | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 0.5% |
| M&T BANK CORPORATION | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 0.9% |
| M&T BANK CORPORATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 7 | 3.2% |
| M&T BANK CORPORATION | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 0.9% |
| M&T BANK CORPORATION | Other type of mortgage | Closing on a mortgage | 3 | 1.4% |
| M&T BANK CORPORATION | Other type of mortgage | Incorrect information on your report | 1 | 0.5% |
| M&T BANK CORPORATION | Other type of mortgage | Struggling to pay mortgage | 14 | 6.4% |
| M&T BANK CORPORATION | Other type of mortgage | Trouble during payment process | 29 | 13.2% |
| M&T BANK CORPORATION | Reverse mortgage | Closing on a mortgage | 1 | 0.5% |
| M&T BANK CORPORATION | VA mortgage | Closing on a mortgage | 1 | 0.5% |
| M&T BANK CORPORATION | VA mortgage | Incorrect information on your report | 1 | 0.5% |
| M&T BANK CORPORATION | VA mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.5% |
| M&T BANK CORPORATION | VA mortgage | Struggling to pay mortgage | 6 | 2.7% |
| M&T BANK CORPORATION | VA mortgage | Trouble during payment process | 6 | 2.7% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Manufacturers and Traders Trust Company | 1 Box Ridge Drive Abingdon, MD 21009 | Full Service B&M | $101,167 |
| Manufacturers and Traders Trust Company | 1 Clark Street Harrington, DE 19952 | Full Service B&M | $52,958 |
| Manufacturers and Traders Trust Company | 1 College Avenue, Eisenhower Campus Center Mechanicsburg, PA 17055 | Limited, Mobile/Seasonal Office | $0 |
| Manufacturers and Traders Trust Company | 1 East Broad Street Bethlehem, PA 18018 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 1 East Main Street Corfu, NY 14036 | Full Service B&M | $21,444 |
| Manufacturers and Traders Trust Company | 1 East Main Street Fredonia, NY 14063 | Full Service B&M | $78,263 |
| Manufacturers and Traders Trust Company | 1 Herkimer Road Utica, NY 13502 | Full Service B&M | $64,684 |
| Manufacturers and Traders Trust Company | 1 Paddock Plaza West Long Branch, NJ 7764 | Full Service B&M | $101,475 |
| Manufacturers and Traders Trust Company | 1 Scott Drive, Linthicum Heights Baltimore, MD 21240 | Full Service B&M | $4,136 |
| Manufacturers and Traders Trust Company | 10 Fox Hunt Drive Bear, DE 19701 | Full Service B&M | $138,519 |
| Manufacturers and Traders Trust Company | 10 Milton Avenue Highland, NY 12528 | Full Service B&M | $132,669 |
| Manufacturers and Traders Trust Company | 10 North Main Street Mercersburg, PA 17236 | Full Service B&M | $31,467 |
| Manufacturers and Traders Trust Company | 10 North Main Street Stewartstown, PA 17363 | Full Service B&M | $55,883 |
| Manufacturers and Traders Trust Company | 10 Reitz Boulevard Lewisburg, PA 17837 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 10 Slade Avenue West Seneca, NY 14224 | Full Service B&M | $152,890 |
| Manufacturers and Traders Trust Company | 10 South Main Street Silver Creek, NY 14136 | Full Service B&M | $27,877 |
| Manufacturers and Traders Trust Company | 10 West Main Street Denville, NJ 7834 | Full Service B&M | $94,142 |
| Manufacturers and Traders Trust Company | 100 East Broad Street Tamaqua, PA 18252 | Full Service B&M | $42,305 |
| Manufacturers and Traders Trust Company | 100 East Putnam Avenue Cos Cob, CT 6807 | Full Service B&M | $45,831 |
| Manufacturers and Traders Trust Company | 100 Kasson Road Camillus, NY 13031 | Full Service B&M | $56,153 |
| Manufacturers and Traders Trust Company | 100 North James Street Newport, DE 19804 | Full Service B&M | $93,754 |
| Manufacturers and Traders Trust Company | 100 South Spring Garden Street Carlisle, PA 17013 | Full Service B&M | $48,161 |
| Manufacturers and Traders Trust Company | 100 West Market Street Orwigsburg, PA 17961 | Full Service B&M | $40,778 |
| Manufacturers and Traders Trust Company | 1000 Haines Road York, PA 17402 | Full Service B&M | $70,217 |
| Manufacturers and Traders Trust Company | 1000 Route 70 Lakewood, NJ 8701 | Full Service B&M | $30,699 |
| Manufacturers and Traders Trust Company | 1001 East Lebanon Road Dover, DE 19901 | Full Service B&M | $83,170 |
| Manufacturers and Traders Trust Company | 1001 East Ridge Road Town Of Irondequoit, NY 14621 | Full Service B&M | $34,723 |
| Manufacturers and Traders Trust Company | 1001 Twin Arch Road, Suite 2600 Mount Airy, MD 21771 | Full Service B&M | $83,147 |
| Manufacturers and Traders Trust Company | 1001 Walker Road Dover, DE 19904 | Full Service B&M | $62,279 |
| Manufacturers and Traders Trust Company | 1002 Mantua Pike Woodbury Heights, NJ 8097 | Full Service B&M | $50,772 |
| Manufacturers and Traders Trust Company | 1002 North Seventh Street Harrisburg, PA 17102 | Full Service B&M | $21,105 |
| Manufacturers and Traders Trust Company | 10025 Governor Warfield Parkway Columbia, MD 21044 | Full Service B&M | $188,135 |
| Manufacturers and Traders Trust Company | 1005 York Road Towson, MD 21204 | Full Service B&M | $71,446 |
| Manufacturers and Traders Trust Company | 1007 North Market Street, Suite 12 Wilmington, DE 19801 | Full Service B&M | $1,057,121 |
| Manufacturers and Traders Trust Company | 10090 Southern Maryland Boulevard Dunkirk, MD 20754 | Full Service B&M | $45,030 |
| Manufacturers and Traders Trust Company | 101 Big Elk Mall Elkton, MD 21921 | Full Service B&M | $15,435 |
| Manufacturers and Traders Trust Company | 101 East Main Street Dushore, PA 18614 | Full Service B&M | $30,934 |
| Manufacturers and Traders Trust Company | 101 East Pitt Street Bedford, PA 15522 | Full Service B&M | $43,187 |
| Manufacturers and Traders Trust Company | 101 South Salina Street City Of Syracuse, NY 13202 | Full Service B&M | $1,278,012 |
| Manufacturers and Traders Trust Company | 101 West Market Street Laurel, DE 19956 | Full Service B&M | $39,935 |
| Manufacturers and Traders Trust Company | 101 West Third Street Williamsport, PA 17701 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 101-25 Queens Boulevard Forest Hills, NY 11375 | Full Service B&M | $49,851 |
| Manufacturers and Traders Trust Company | 1010 West 36th Street Baltimore, MD 21211 | Full Service B&M | $43,347 |
| Manufacturers and Traders Trust Company | 10100 Baltimore National Pike. Ellicott City, MD 21042 | Full Service B&M | $112,677 |
| Manufacturers and Traders Trust Company | 10100 River Road Potomac, MD 20854 | Full Service B&M | $86,059 |
| Manufacturers and Traders Trust Company | 1015 Philadelphia Avenue Chambersburg, PA 17201 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 1016 Wyoming Avenue Wyoming, PA 18644 | Full Service B&M | $52,576 |
| Manufacturers and Traders Trust Company | 1018 Washington Street Hoboken, NJ 7030 | Full Service B&M | $39,643 |
| Manufacturers and Traders Trust Company | 1019 Park St Peekskill, NY 10566 | Full Service B&M | $61,247 |
| Manufacturers and Traders Trust Company | 1021 North Fourth Street Sunbury, PA 17801 | Full Service B&M | $32,651 |
| Manufacturers and Traders Trust Company | 1024 Union Road West Seneca, NY 14224 | Full Service B&M | $292,114 |
| Manufacturers and Traders Trust Company | 1025 Herndon Parkway Herndon, VA 20170 | Full Service B&M | $41,533 |
| Manufacturers and Traders Trust Company | 1030 Jackson Avenue Long Island City, NY 11101 | Full Service B&M | $232,656 |
| Manufacturers and Traders Trust Company | 104 South Market Street Elizabethtown, PA 17022 | Full Service B&M | $28,174 |
| Manufacturers and Traders Trust Company | 10410 Campus Way South Largo, MD 20774 | Full Service B&M | $52,641 |
| Manufacturers and Traders Trust Company | 10420 Montgomery Avenue Kensington, MD 20895 | Full Service B&M | $97,153 |
| Manufacturers and Traders Trust Company | 10431 York Road Cockeysville, MD 21030 | Full Service B&M | $84,246 |
| Manufacturers and Traders Trust Company | 105 Dart Drive Hanover, PA 17331 | Full Service B&M | $147,050 |
| Manufacturers and Traders Trust Company | 1050 Shopppers Way Largo, MD 20774 | Full Service B&M | $8,150 |
| Manufacturers and Traders Trust Company | 10600 New Georges Creek Road Sw Frostburg, MD 21532 | Full Service B&M | $29,729 |
| Manufacturers and Traders Trust Company | 10614 Main Street Clarence, NY 14031 | Full Service B&M | $74,726 |
| Manufacturers and Traders Trust Company | 107 Front Street Milton, DE 19968 | Full Service B&M | $63,384 |
| Manufacturers and Traders Trust Company | 107 West Market Street York, PA 17401 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 1070 Main Street River Edge, NJ 7661 | Full Service B&M | $56,134 |
| Manufacturers and Traders Trust Company | 118 State Highway 320 Norwich, NY 13815 | Full Service B&M | $25,755 |
| Manufacturers and Traders Trust Company | 10721 Fairway Lane Hagerstown, MD 21740 | Full Service B&M | $49,992 |
| Manufacturers and Traders Trust Company | 10745 Falls Road Lutherville, MD 21093 | Full Service B&M | $91,440 |
| Manufacturers and Traders Trust Company | 10791 W. Broad Street Glen Allen, VA 23060 | Full Service B&M | $16,836 |
| Manufacturers and Traders Trust Company | 108 Lacey Road Whiting, NJ 8759 | Full Service B&M | $54,779 |
| Manufacturers and Traders Trust Company | 108 North Front Street Kingston, NY 12401 | Full Service B&M | $69,989 |
| Manufacturers and Traders Trust Company | 109 West Water Street Painted Post, NY 14870 | Full Service B&M | $15,078 |
| Manufacturers and Traders Trust Company | 1091 New York 222 Cortland, NY 13045 | Full Service B&M | $27,277 |
| Manufacturers and Traders Trust Company | 11 East Hinckley Ave Ridley Park, PA 19078 | Full Service B&M | $44,575 |
| Manufacturers and Traders Trust Company | 11 West 42nd Street New York, NY 10036 | Full Service B&M | $67,033 |
| Manufacturers and Traders Trust Company | 110 West Market Street Snow Hill, MD 21863 | Full Service B&M | $26,187 |
| Manufacturers and Traders Trust Company | 1100 North Market Street Wilmington, DE 19801 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 1100 Route 55 Lagrangeville, NY 12540 | Full Service B&M | $60,038 |
| Manufacturers and Traders Trust Company | 1100 Wehrle Drive Williamsville, NY 14221 | Full Service B&M | $4 |
| Manufacturers and Traders Trust Company | 11003 Manklin Creek Road Berlin, MD 21811 | Full Service B&M | $60,974 |
| Manufacturers and Traders Trust Company | 1101 Russell Street Baltimore, MD 21230 | Limited, Mobile/Seasonal Office | $0 |
| Manufacturers and Traders Trust Company | 111 South Calvert Street Baltimore, MD 21202 | Full Service B&M | $258,019 |
| Manufacturers and Traders Trust Company | 1111 Light Street Baltimore, MD 21230 | Full Service B&M | $51,601 |
| Manufacturers and Traders Trust Company | 1111 Street Road Southampton, PA 18966 | Full Service B&M | $34,856 |
| Manufacturers and Traders Trust Company | 1115 Merritt Boulevard Dundalk, MD 21222 | Full Service B&M | $157,709 |
| Manufacturers and Traders Trust Company | 11175 Mall Circle Waldorf, MD 20603 | Full Service B&M | $75,612 |
| Manufacturers and Traders Trust Company | 11325 Seven Locks Road Potomac, MD 20854 | Full Service B&M | $64,419 |
| Manufacturers and Traders Trust Company | 114-116 Kings Highway East Haddonfield, NJ 8033 | Full Service B&M | $50,142 |
| Manufacturers and Traders Trust Company | 115 East Main Street Everett, PA 15537 | Full Service B&M | $38,420 |
| Manufacturers and Traders Trust Company | 115 Franklin Turnpike Mahwah, NJ 7430 | Full Service B&M | $37,711 |
| Manufacturers and Traders Trust Company | 115 J. Campbell Collins Drive Wilkes-Barre, PA 18702 | Full Service B&M | $73,892 |
| Manufacturers and Traders Trust Company | 115 South Ridge St Port Chester, NY 10573 | Full Service B&M | $109,207 |
| Manufacturers and Traders Trust Company | 1150 West Industrial Boulevard Cumberland, MD 21502 | Full Service B&M | $25,225 |
| Manufacturers and Traders Trust Company | 1168 Highway 34 Aberdeen, NJ 7747 | Full Service B&M | $36,646 |
| Manufacturers and Traders Trust Company | 117 Bay Street Easton, MD 21601 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 117 South 18th Street Philadelphia, PA 19103 | Full Service B&M | $31,583 |
| Manufacturers and Traders Trust Company | 117 West Independence Street Shamokin, PA 17872 | Full Service B&M | $68,201 |
| Manufacturers and Traders Trust Company | 11721 Lee Highway Fairfax, VA 22030 | Full Service B&M | $38,354 |
| Manufacturers and Traders Trust Company | 118 Baltimore Street Cumberland, MD 21502 | Full Service B&M | $43,431 |
| Manufacturers and Traders Trust Company | 118 North Tioga Street Ithaca, NY 14850 | Full Service B&M | $146,689 |
| Manufacturers and Traders Trust Company | 118 Walnut Street Lockport, NY 14094 | Full Service B&M | $36,532 |
| Manufacturers and Traders Trust Company | 11807 Livingston Road Fort Washington, MD 20744 | Full Service B&M | $34,624 |
| Manufacturers and Traders Trust Company | 119 Central Avenue Westfield, NJ 7090 | Full Service B&M | $71,974 |
| Manufacturers and Traders Trust Company | 119 S. Mountain Blvd, Mountaintop Sh Mountain Top, PA 18707 | Full Service B&M | $53,113 |
| Manufacturers and Traders Trust Company | 11973 Buchanan Trail East Waynesboro, PA 17268 | Full Service B&M | $30,377 |
| Manufacturers and Traders Trust Company | 12 Atlantic Avenue Oceanside, NY 11572 | Full Service B&M | $95,330 |
| Manufacturers and Traders Trust Company | 12 Chapel Street Prattsburg, NY 14873 | Full Service B&M | $10,512 |
| Manufacturers and Traders Trust Company | 12 Office Street Bel Air, MD 21014 | Full Service B&M | $87,746 |
| Manufacturers and Traders Trust Company | 120 Broad Hollow Rd Farmingdale, NY 11735 | Full Service B&M | $33,448 |
| Manufacturers and Traders Trust Company | 120 Shawan Road Hunt Valley, MD 21030 | Full Service B&M | $171,978 |
| Manufacturers and Traders Trust Company | 120 South Union Street Middletown, PA 17057 | Full Service B&M | $35,611 |
| Manufacturers and Traders Trust Company | 1200 Market Street Lemoyne, PA 17043 | Full Service B&M | $418,673 |
| Manufacturers and Traders Trust Company | 1200 North Main Street Hampstead, MD 21074 | Full Service B&M | $92,932 |
| Manufacturers and Traders Trust Company | 1201 Agora Drive, Suite 1-A Bel Air, MD 21014 | Full Service B&M | $130,531 |
| Manufacturers and Traders Trust Company | 1201 National Highway La Vale, MD 21502 | Full Service B&M | $46,900 |
| Manufacturers and Traders Trust Company | 12041 Georgia Avenue Wheaton, MD 20902 | Full Service B&M | $53,422 |
| Manufacturers and Traders Trust Company | 1205 Niagara Falls Boulevard Amherst, NY 14226 | Full Service B&M | $180,481 |
| Manufacturers and Traders Trust Company | 1207 North Union Street Wilmington, DE 19806 | Full Service B&M | $96,087 |
| Manufacturers and Traders Trust Company | 121 South Mill Street Clear Spring, MD 21722 | Full Service B&M | $30,123 |
| Manufacturers and Traders Trust Company | 12110 Darnestown Road Gaithersburg, MD 20878 | Full Service B&M | $49,426 |
| Manufacturers and Traders Trust Company | 12161 Rockville Pike Rockville, MD 20852 | Full Service B&M | $33,549 |
| Manufacturers and Traders Trust Company | 12170 Sunset Hills Road Reston, VA 20190 | Full Service B&M | $27,426 |
| Manufacturers and Traders Trust Company | 12200 Tech Road Silver Spring, MD 20904 | Full Service B&M | $146,132 |
| Manufacturers and Traders Trust Company | 1229 Bloom Road Danville, PA 17821 | Full Service B&M | $29,513 |
| Manufacturers and Traders Trust Company | 123 East Buffalo Street Ithaca, NY 14850 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 123 North Crain Highway, Suite A Glen Burnie, MD 21061 | Full Service B&M | $114,105 |
| Manufacturers and Traders Trust Company | 1230 Bay Dale Drive Arnold, MD 21012 | Full Service B&M | $99,609 |
| Manufacturers and Traders Trust Company | 124 Main Street Grantsville, MD 21536 | Full Service B&M | $28,270 |
| Manufacturers and Traders Trust Company | 1241 Blakeslee Boulevard Drive East Lehighton, PA 18235 | Full Service B&M | $15,148 |
| Manufacturers and Traders Trust Company | 12451 Hedges Run Drive Woodbridge, VA 22192 | Full Service B&M | $17,162 |
| Manufacturers and Traders Trust Company | 125 Wolf Road Colonie, NY 12205 | Full Service B&M | $58,662 |
| Manufacturers and Traders Trust Company | 1250 Upper Front Street Binghamton, NY 13901 | Full Service B&M | $88,757 |
| Manufacturers and Traders Trust Company | 126 Chartley Drive Reisterstown, MD 21136 | Full Service B&M | $77,880 |
| Manufacturers and Traders Trust Company | 126 Market Street Denton, MD 21629 | Full Service B&M | $31,596 |
| Manufacturers and Traders Trust Company | 1260 Pennsylvania Avenue Tyrone, PA 16686 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 1275 Baltimore Street Hanover, PA 17331 | Full Service B&M | $81,410 |
| Manufacturers and Traders Trust Company | 128 Center Grove Road Randolph, NJ 7869 | Full Service B&M | $127,310 |
| Manufacturers and Traders Trust Company | 1282 Long Pond Road Town Of Greece, NY 14626 | Full Service B&M | $141,287 |
| Manufacturers and Traders Trust Company | 12914 Middlebrook Road Germantown, MD 20874 | Full Service B&M | $60,542 |
| Manufacturers and Traders Trust Company | 13 Baltimore Street Hanover, PA 17331 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 13 Sussex Street Port Jervis, NY 12771 | Full Service B&M | $18,411 |
| Manufacturers and Traders Trust Company | 13 West Main Street Waynesboro, PA 17268 | Full Service B&M | $53,035 |
| Manufacturers and Traders Trust Company | 130 Grant Street Buffalo, NY 14213 | Full Service B&M | $59,371 |
| Manufacturers and Traders Trust Company | 1300 Jefferson Avenue Buffalo, NY 14208 | Full Service B&M | $3,542 |
| Manufacturers and Traders Trust Company | 1304 West Patrick Avenue Frederick, MD 21703 | Full Service B&M | $75,695 |
| Manufacturers and Traders Trust Company | 1309 Kirkwood Highway Elsmere, DE 19805 | Full Service B&M | $54,160 |
| Manufacturers and Traders Trust Company | 1310 West Chester Pike Havertown, PA 19083 | Full Service B&M | $31,087 |
| Manufacturers and Traders Trust Company | 13102 Monterey Lane Blue Ridge Summit, PA 17214 | Full Service B&M | $27,809 |
| Manufacturers and Traders Trust Company | 1320 Stony Brook Road, Suite 140 Stony Brook, NY 11790 | Full Service B&M | $17,879 |
| Manufacturers and Traders Trust Company | 1325-D Liberty Road Sykesville, MD 21784 | Full Service B&M | $89,353 |
| Manufacturers and Traders Trust Company | 1328 River Avenue Lakewood, NJ 8701 | Full Service B&M | $67,085 |
| Manufacturers and Traders Trust Company | 133 Main Street Westhampton Beach, NY 11978 | Full Service B&M | $45,270 |
| Manufacturers and Traders Trust Company | 133 South Washington Street Falls Church, VA 22046 | Full Service B&M | $27,589 |
| Manufacturers and Traders Trust Company | 1330 South Atherton Street State College, PA 16801 | Full Service B&M | $65,066 |
| Manufacturers and Traders Trust Company | 134 East Main Street Frankfort, NY 13340 | Full Service B&M | $34,032 |
| Manufacturers and Traders Trust Company | 134 Second Street Lewes, DE 19958 | Full Service B&M | $97,213 |
| Manufacturers and Traders Trust Company | 13409 Pennsylvania Avenue Hagerstown, MD 21742 | Full Service B&M | $69,095 |
| Manufacturers and Traders Trust Company | 135 Hamburg Street East Aurora, NY 14052 | Full Service B&M | $164,725 |
| Manufacturers and Traders Trust Company | 135 Main Street Nyack, NY 10960 | Full Service B&M | $1,278,143 |
| Manufacturers and Traders Trust Company | 135 Woodward Avenue Lock Haven, PA 17745 | Full Service B&M | $34,350 |
| Manufacturers and Traders Trust Company | 1350 I Street, Northwest, Suite 200 Washington, DC 20005 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 1351 Blair Drive Odenton, MD 21113 | Full Service B&M | $55,736 |
| Manufacturers and Traders Trust Company | 1385 Lyell Avenue Rochester, NY 14606 | Full Service B&M | $60,894 |
| Manufacturers and Traders Trust Company | 139 South State Street Dover, DE 19901 | Full Service B&M | $127,018 |
| Manufacturers and Traders Trust Company | 14 West Potomac Street Williamsport, MD 21795 | Full Service B&M | $46,119 |
| Manufacturers and Traders Trust Company | 140 Adams Avenue, Suite 1a Hauppauge, NY 11788 | Full Service B&M | $32,951 |
| Manufacturers and Traders Trust Company | 1400 Miracle Mile Drive Henrietta, NY 14623 | Full Service B&M | $213,191 |
| Manufacturers and Traders Trust Company | 46 South Second Street Oakland, MD 21550 | Full Service B&M | $61,235 |
| Manufacturers and Traders Trust Company | 1401 West Market Street York, PA 17404 | Full Service B&M | $42,368 |
| Manufacturers and Traders Trust Company | 1405 Williams Road York, PA 17402 | Limited, Mobile/Seasonal Office | $0 |
| Manufacturers and Traders Trust Company | 1406 Route 130 Cinnaminson, NJ 8077 | Full Service B&M | $52,584 |
| Manufacturers and Traders Trust Company | 1409 Pulaski Highway Edgewood, MD 21040 | Full Service B&M | $80,840 |
| Manufacturers and Traders Trust Company | 1420 Wisconsin Avenue Nw Washington, DC 20007 | Full Service B&M | $11,274 |
| Manufacturers and Traders Trust Company | 1423 North Atherton Street State College, PA 16803 | Full Service B&M | $62,714 |
| Manufacturers and Traders Trust Company | 14245-R Centreville Square, Store 8 Centreville, VA 20121 | Full Service B&M | $44,555 |
| Manufacturers and Traders Trust Company | 1430 Old Country Road Riverhead, NY 11901 | Full Service B&M | $122,340 |
| Manufacturers and Traders Trust Company | 14301 Jarrettsville Pike Phoenix, MD 21131 | Full Service B&M | $41,188 |
| Manufacturers and Traders Trust Company | 1452 Buck Road, Village Shires Center Southampton, PA 18966 | Full Service B&M | $44,630 |
| Manufacturers and Traders Trust Company | 146 Greenwood Avenue Bethel, CT 6801 | Full Service B&M | $35,091 |
| Manufacturers and Traders Trust Company | 146 Main Street Wynantskill, NY 12198 | Full Service B&M | $35,590 |
| Manufacturers and Traders Trust Company | 14700 Main Street Upper Marlboro, MD 20772 | Full Service B&M | $61,313 |
| Manufacturers and Traders Trust Company | 1475 Kenneth Road York, PA 17408 | Full Service B&M | $93,143 |
| Manufacturers and Traders Trust Company | 148 Vestal Parkway East Vestal, NY 13850 | Full Service B&M | $67,868 |
| Manufacturers and Traders Trust Company | 149-153 Robinson Street Binghamton, NY 13904 | Full Service B&M | $58,957 |
| Manufacturers and Traders Trust Company | 15 South Franklin Street Wilkes Barre, PA 18773 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 15 West Lea Boulevard Wilmington, DE 19802 | Full Service B&M | $49,600 |
| Manufacturers and Traders Trust Company | 150 Newark Pompton Turnpike Pequannock, NJ 7440 | Full Service B&M | $115,131 |
| Manufacturers and Traders Trust Company | 150 Washington Avenue Batavia, NY 14020 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 1500 Blenhiem Farmlane Havre De Grace, MD 21078 | Full Service B&M | $52,866 |
| Manufacturers and Traders Trust Company | 1501 East Main Street Waynesboro, PA 17268 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 151 Lantana Drive Hockessin, DE 19707 | Full Service B&M | $202,222 |
| Manufacturers and Traders Trust Company | 1523 Ny Route 67 Schaghticoke, NY 12154 | Full Service B&M | $20,249 |
| Manufacturers and Traders Trust Company | 1525 Route 22, Lakeview Plaza Brewster, NY 10509 | Full Service B&M | $79,040 |
| Manufacturers and Traders Trust Company | 155 East Carroll Street Salisbury, MD 21801 | Full Service B&M | $87,222 |
| Manufacturers and Traders Trust Company | 1568 Route 9, Imperial Plaza Wappingers Falls, NY 12590 | Full Service B&M | $47,716 |
| Manufacturers and Traders Trust Company | 157 Seventh Avenue Newark, NJ 7104 | Full Service B&M | $8,326 |
| Manufacturers and Traders Trust Company | 1580 Hertel Avenue Buffalo, NY 14216 | Full Service B&M | $75,747 |
| Manufacturers and Traders Trust Company | 1584 Paoli Pike Goshen, PA 19380 | Full Service B&M | $30,543 |
| Manufacturers and Traders Trust Company | 15850 Crabbs Branch Way Rockville, MD 20855 | Full Service B&M | $95,288 |
| Manufacturers and Traders Trust Company | 159 N. Luzerne Ave Baltimore, MD 21224 | Full Service B&M | $19,424 |
| Manufacturers and Traders Trust Company | 1591 Richmond Road Staten Island, NY 10304 | Full Service B&M | $51,916 |
| Manufacturers and Traders Trust Company | 1603 Manheim Pike Lancaster, PA 17601 | Full Service B&M | $23,756 |
| Manufacturers and Traders Trust Company | 162 Main Street Paterson, NJ 7505 | Full Service B&M | $255 |
| Manufacturers and Traders Trust Company | 1620 Route 23 North Wayne, NJ 7470 | Full Service B&M | $42,070 |
| Manufacturers and Traders Trust Company | 1621 South Avenue Syracuse, NY 13207 | Full Service B&M | $14,940 |
| Manufacturers and Traders Trust Company | 1627 Monroe Avenue Brighton, NY 14618 | Full Service B&M | $77,130 |
| Manufacturers and Traders Trust Company | 1650 Market Street Philadelphia, PA 19103 | Full Service B&M | $53,337 |
| Manufacturers and Traders Trust Company | 166 Baltimore Street Cumberland, MD 21502 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 167 East Kennedy Boulevard #169 Lakewood, NJ 8701 | Full Service B&M | $43,388 |
| Manufacturers and Traders Trust Company | 168 North Memorial Highway Shavertown, PA 18708 | Full Service B&M | $31,968 |
| Manufacturers and Traders Trust Company | 1680 K Street, N.W. Washington, DC 20006 | Full Service B&M | $684,870 |
| Manufacturers and Traders Trust Company | 170 Jennifer Road Annapolis, MD 21401 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 1701 Oregon Pike Lancaster, PA 17601 | Full Service B&M | $85,158 |
| Manufacturers and Traders Trust Company | 1703 Oregon Pike Lancaster, PA 17601 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 1725 Whetstone Way Baltimore, MD 21230 | Full Service Retail | $56,282 |
| Manufacturers and Traders Trust Company | 17301 Valley Mall Hagerstown, MD 21740 | Full Service B&M | $59,470 |
| Manufacturers and Traders Trust Company | 17301 Valley Mall Drive Hagerstown, MD 21740 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 1746 Black River Boulevard Rome, NY 13440 | Full Service B&M | $55,573 |
| Manufacturers and Traders Trust Company | 1766 Union Street Niskayuna, NY 12309 | Full Service B&M | $37,604 |
| Manufacturers and Traders Trust Company | 1769 Route 52 Fishkill, NY 12524 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 1792 East Lancaster Avenue Paoli, PA 19301 | Full Service B&M | $19,444 |
| Manufacturers and Traders Trust Company | 1798 Lincoln Way East Chambersburg, PA 17202 | Full Service B&M | $68,147 |
| Manufacturers and Traders Trust Company | 1871 Old Main Drive Shippensburg, PA 17257 | Limited, Mobile/Seasonal Office | $0 |
| Manufacturers and Traders Trust Company | 18 James Street Florham Park, NJ 7932 | Full Service B&M | $137,418 |
| Manufacturers and Traders Trust Company | 180 Route 22 Pawling, NY 12564 | Full Service B&M | $87,134 |
| Manufacturers and Traders Trust Company | 1812 Marsh Road Wilmington, DE 19810 | Full Service B&M | $183,047 |
| Manufacturers and Traders Trust Company | 1817 Street Road Eddington, PA 19020 | Full Service B&M | $58,741 |
| Manufacturers and Traders Trust Company | 1826 West Market Street Pottsville, PA 17901 | Full Service B&M | $35,976 |
| Manufacturers and Traders Trust Company | 18261 Flower Hill Way Gaithersburg, MD 20879 | Full Service B&M | $44,717 |
| Manufacturers and Traders Trust Company | 1838 Empire Boulevard Webster, NY 14580 | Full Service B&M | $48,872 |
| Manufacturers and Traders Trust Company | 1847 Columbia Avenue Lancaster, PA 17603 | Full Service B&M | $30,128 |
| Manufacturers and Traders Trust Company | 1848 Clinton Avenue South Rochester, NY 14618 | Full Service B&M | $67,521 |
| Manufacturers and Traders Trust Company | 1861 Wiehle Avenue Reston, VA 20190 | Full Service B&M | $30,451 |
| Manufacturers and Traders Trust Company | 187 Eagle Rock Avenue Roseland, NJ 7068 | Full Service B&M | $98,866 |
| Manufacturers and Traders Trust Company | 1877 Main Street Buffalo, NY 14208 | Full Service B&M | $40,290 |
| Manufacturers and Traders Trust Company | 1882 East Avenue Rochester, NY 14610 | Full Service B&M | $122,054 |
| Manufacturers and Traders Trust Company | 1899 L Street, N.W. Washington, DC 20036 | Full Service B&M | $42,521 |
| Manufacturers and Traders Trust Company | 190 Gleneida Avenue Carmel, NY 10512 | Full Service B&M | $39,214 |
| Manufacturers and Traders Trust Company | 1904 Emmorton Road Bel Air, MD 21015 | Full Service B&M | $106,690 |
| Manufacturers and Traders Trust Company | 19059 Route 522 Beaver Springs, PA 17812 | Full Service B&M | $13,679 |
| Manufacturers and Traders Trust Company | 191 Main Street New Paltz, NY 12561 | Full Service B&M | $57,868 |
| Manufacturers and Traders Trust Company | 195 Front Street Owego, NY 13827 | Full Service B&M | $37,235 |
| Manufacturers and Traders Trust Company | 19511 Camelot Drive Rehoboth Beach, DE 19971 | Full Service B&M | $83,660 |
| Manufacturers and Traders Trust Company | 1955 Buffalo Road Gates Township, NY 14624 | Full Service B&M | $78,337 |
| Manufacturers and Traders Trust Company | 1960 Gallows Road Vienna, VA 22182 | Full Service B&M | $50,958 |
| Manufacturers and Traders Trust Company | 19616-M Fisher Avenue Poolesville, MD 20837 | Full Service B&M | $51,843 |
| Manufacturers and Traders Trust Company | 1965 State Route 57 Hackettstown, NJ 7840 | Full Service B&M | $55,988 |
| Manufacturers and Traders Trust Company | 1966 Greenspring Drive Lutherville Timonium, MD 21093 | Full Service B&M | $72,484 |
| Manufacturers and Traders Trust Company | 1983 Route 52 East Liberty, NY 12754 | Full Service B&M | $32,902 |
| Manufacturers and Traders Trust Company | 2 College Hill, Mcdaniel College Westminster, MD 21157 | Limited, Mobile/Seasonal Office | $0 |
| Manufacturers and Traders Trust Company | 2 Courtney Drive Fairport, NY 14450 | Full Service B&M | $157,078 |
| Manufacturers and Traders Trust Company | 2 East Avenue Hilton, NY 14468 | Full Service B&M | $59,916 |
| Manufacturers and Traders Trust Company | 2 Prospect Street Ridgefield, CT 6877 | Full Service B&M | $24,787 |
| Manufacturers and Traders Trust Company | 2 Rachael Drive Pittston, PA 18640 | Full Service B&M | $83,393 |
| Manufacturers and Traders Trust Company | 2 West Franklin Street Topton, PA 19562 | Full Service B&M | $20,420 |
| Manufacturers and Traders Trust Company | 2 West Market Street, Suite 100 West Chester, PA 19382 | Full Service B&M | $14,106 |
| Manufacturers and Traders Trust Company | 2-8 South Main Street Shenandoah, PA 17976 | Full Service B&M | $31,852 |
| Manufacturers and Traders Trust Company | 20 Jenison Avenue Johnson City, NY 13790 | Full Service B&M | $46,934 |
| Manufacturers and Traders Trust Company | 20 Mall, Suite 101 2080 Western Ave Guilderland, NY 12084 | Full Service B&M | $35,461 |
| Manufacturers and Traders Trust Company | 20 West Main Street Falconer, NY 14733 | Full Service B&M | $48,092 |
| Manufacturers and Traders Trust Company | 200 East Philadelphia Avenue Boyertown, PA 19512 | Full Service B&M | $45,842 |
| Manufacturers and Traders Trust Company | 200 Grand Avenue Hackettstown, NJ 7840 | Full Service B&M | $79,031 |
| Manufacturers and Traders Trust Company | 200 Main Street Beacon, NY 12508 | Full Service B&M | $45,522 |
| Manufacturers and Traders Trust Company | 2000 Pga Boulevard North Palm Beach, FL 33408 | Full Service B&M | $58,954 |
| Manufacturers and Traders Trust Company | 2001 West Fourth Street Williamsport, PA 17701 | Full Service B&M | $48,603 |
| Manufacturers and Traders Trust Company | 2003 South Easton Road, Suite 204 Doylestown, PA 18901 | Full Service B&M | $7,951 |
| Manufacturers and Traders Trust Company | 201 Plank Road Duncansville, PA 16635 | Full Service B&M | $44,112 |
| Manufacturers and Traders Trust Company | 201 W. Front St Berwick, PA 18603 | Full Service B&M | $30,691 |
| Manufacturers and Traders Trust Company | 201 West State Street Media, PA 19063 | Full Service B&M | $33,293 |
| Manufacturers and Traders Trust Company | 202 Clinton Street Binghamton, NY 13905 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 202 West High Street Gettysburg, PA 17325 | Full Service B&M | $73,830 |
| Manufacturers and Traders Trust Company | 2027 Somerville Road Annapolis, MD 21401 | Full Service B&M | $99,291 |
| Manufacturers and Traders Trust Company | 203 Cypress Street Liverpool, NY 13088 | Full Service B&M | $55,321 |
| Manufacturers and Traders Trust Company | 204 Fayette Street Manlius, NY 13104 | Full Service B&M | $55,848 |
| Manufacturers and Traders Trust Company | 2040 Boston Post Road Larchmont, NY 10538 | Full Service B&M | $38,128 |
| Manufacturers and Traders Trust Company | 2050 Kensington Avenue Snyder, NY 14226 | Full Service B&M | $199,302 |
| Manufacturers and Traders Trust Company | 2055 South Queen Street York, PA 17403 | Full Service B&M | $423,064 |
| Manufacturers and Traders Trust Company | 2062 Plank Road Fredericksburg, VA 22401 | Full Service B&M | $21,469 |
| Manufacturers and Traders Trust Company | 207 Bowie Road Laurel, MD 20707 | Full Service B&M | $101,343 |
| Manufacturers and Traders Trust Company | 207 West Bel Air Avenue Aberdeen, MD 21001 | Full Service B&M | $41,913 |
| Manufacturers and Traders Trust Company | 209 Route 206 South Chester, NJ 7930 | Full Service B&M | $53,973 |
| Manufacturers and Traders Trust Company | 271 Main Street Arcade, NY 14009 | Full Service B&M | $75,618 |
| Manufacturers and Traders Trust Company | 21 East Market Street York, PA 17401 | Full Service B&M | $87,314 |
| Manufacturers and Traders Trust Company | 210 Delaware Street New Castle, DE 19720 | Full Service B&M | $72,840 |
| Manufacturers and Traders Trust Company | 210 East Main Street New Holland, PA 17557 | Full Service B&M | $132,340 |
| Manufacturers and Traders Trust Company | 210 Enterprise Drive Rockaway, NJ 7866 | Full Service B&M | $32,819 |
| Manufacturers and Traders Trust Company | 2100 Park Street Syracuse, NY 13208 | Full Service B&M | $43,592 |
| Manufacturers and Traders Trust Company | 2100 Route 70 Manchester, NJ 8759 | Full Service B&M | $154,251 |
| Manufacturers and Traders Trust Company | 21006 Frederick Road Germantown, MD 20876 | Full Service B&M | $53,161 |
| Manufacturers and Traders Trust Company | 2102 Montauk Highway Bridgehampton, NY 11932 | Full Service B&M | $68,032 |
| Manufacturers and Traders Trust Company | 2109 U.S. Routes 5/20 Seneca Falls, NY 13148 | Full Service B&M | $19,305 |
| Manufacturers and Traders Trust Company | 21099 Dulles Town Circle Sterling, VA 20166 | Full Service B&M | $33,360 |
| Manufacturers and Traders Trust Company | 212 Mount Carmel Road Parkton, MD 21120 | Full Service B&M | $88,004 |
| Manufacturers and Traders Trust Company | 213 Market Street Harrisburg, PA 17101 | Full Service B&M | $442,892 |
| Manufacturers and Traders Trust Company | 2133 Hudson Avenue Irondequoit, NY 14617 | Full Service B&M | $93,478 |
| Manufacturers and Traders Trust Company | 215 North Frederick Avenue Gaithersburg, MD 20877 | Full Service B&M | $90,014 |
| Manufacturers and Traders Trust Company | 216 Passaic Avenue Kearny, NJ 7032 | Full Service B&M | $53,816 |
| Manufacturers and Traders Trust Company | 217 Berdan Avenue Wayne, NJ 7470 | Full Service B&M | $95,773 |
| Manufacturers and Traders Trust Company | 218 Saw Mill River Road Elmsford, NY 10523 | Full Service B&M | $80,447 |
| Manufacturers and Traders Trust Company | 2180 Union Road West Seneca, NY 14224 | Full Service B&M | $74,811 |
| Manufacturers and Traders Trust Company | 2186 E. High Street, Sanatoga Village Center Pottstown, PA 19464 | Full Service B&M | $12,231 |
| Manufacturers and Traders Trust Company | 21877 Towne Center Drive Watertown, NY 13601 | Full Service B&M | $28,656 |
| Manufacturers and Traders Trust Company | 2199 Seneca Street Buffalo, NY 14210 | Full Service B&M | $75,590 |
| Manufacturers and Traders Trust Company | 22 Grant Avenue Endicott, NY 13760 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 22 Mechanic Street Springville, NY 14141 | Full Service B&M | $81,145 |
| Manufacturers and Traders Trust Company | 22 South Greene Street, First Floor Baltimore, MD 21201 | Full Service B&M | $55,434 |
| Manufacturers and Traders Trust Company | 2201 Penfield Road Town Of Penfield, NY 14526 | Full Service B&M | $40,379 |
| Manufacturers and Traders Trust Company | 2202 Woodbury Pike Loysburg, PA 16659 | Full Service B&M | $23,290 |
| Manufacturers and Traders Trust Company | 2212 Hylan Boulevard Staten Island, NY 10306 | Full Service B&M | $35,113 |
| Manufacturers and Traders Trust Company | 222 Phillip Morris Drive Salisbury, MD 21804 | Full Service B&M | $57,782 |
| Manufacturers and Traders Trust Company | 2220 Forest Avenue Staten Island, NY 10303 | Full Service B&M | $32,457 |
| Manufacturers and Traders Trust Company | 22205 Dupont Blvd Georgetown, DE 19947 | Full Service B&M | $145,100 |
| Manufacturers and Traders Trust Company | 223 Glebe Road Easton, MD 21601 | Full Service B&M | $55,709 |
| Manufacturers and Traders Trust Company | 2248 North Triphammer Road Ithaca, NY 14850 | Full Service B&M | $83,682 |
| Manufacturers and Traders Trust Company | 228 South Main Street New City, NY 10956 | Full Service B&M | $95,589 |
| Manufacturers and Traders Trust Company | 22920 Sussex Highway Seaford, DE 19973 | Full Service B&M | $71,994 |
| Manufacturers and Traders Trust Company | 23 Lake Avenue Blasdell, NY 14219 | Full Service B&M | $99,112 |
| Manufacturers and Traders Trust Company | 23 Presidents Street Fort Ashby, WV 26719 | Full Service B&M | $22,915 |
| Manufacturers and Traders Trust Company | 23-25 North Station Plaza Great Neck, NY 11021 | Full Service B&M | $101,716 |
| Manufacturers and Traders Trust Company | 230 Desmond Street Sayre, PA 18840 | Full Service B&M | $46,499 |
| Manufacturers and Traders Trust Company | 2300 Downer Street Baldwinsville, NY 13027 | Full Service B&M | $98,344 |
| Manufacturers and Traders Trust Company | 2301 Concord Pike Wilmington, DE 19803 | Full Service B&M | $111,076 |
| Manufacturers and Traders Trust Company | 2310 Delaware Avenue Buffalo, NY 14216 | Full Service B&M | $95,995 |
| Manufacturers and Traders Trust Company | 232 South Livingston Avenue Livingston, NJ 7039 | Full Service B&M | $121,884 |
| Manufacturers and Traders Trust Company | 233 Genesee Street Utica, NY 13501 | Full Service B&M | $90,743 |
| Manufacturers and Traders Trust Company | 2335 Church Road Cherry Hill, NJ 8002 | Full Service B&M | $58,879 |
| Manufacturers and Traders Trust Company | 2371 Limestone Road Wilmington, DE 19808 | Full Service B&M | $137,777 |
| Manufacturers and Traders Trust Company | 2381 Grand Island Boulevard Grand Island, NY 14072 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 2381 Grand Island Boulevard Grand Island, NY 14072 | Full Service B&M | $86,291 |
| Manufacturers and Traders Trust Company | 239 East Main Street Elbridge, NY 13060 | Full Service B&M | $31,825 |
| Manufacturers and Traders Trust Company | 24 East Main Street Fredonia, NY 14063 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 240 Baldwin Road Parsippany, NJ 7054 | Full Service B&M | $99,556 |
| Manufacturers and Traders Trust Company | 2407 State Route 71 Spring Lake, NJ 7762 | Full Service B&M | $69,611 |
| Manufacturers and Traders Trust Company | 2421 Old Philadelphia Pike Lancaster, PA 17602 | Full Service B&M | $34,199 |
| Manufacturers and Traders Trust Company | 246 J South Highland Avenue Ossining, NY 10562 | Full Service B&M | $53,341 |
| Manufacturers and Traders Trust Company | 2460 Grand Concourse Bronx, NY 10458 | Full Service B&M | $1,151 |
| Manufacturers and Traders Trust Company | 247 Federal Road Brookfield, CT 6804 | Full Service B&M | $127,384 |
| Manufacturers and Traders Trust Company | 247 Grant Avenue Auburn, NY 13021 | Full Service B&M | $67,399 |
| Manufacturers and Traders Trust Company | 248 North Mill Street Birdsboro, PA 19508 | Full Service B&M | $40,095 |
| Manufacturers and Traders Trust Company | 249 Kinderkamack Road Oradell, NJ 7649 | Full Service B&M | $96,421 |
| Manufacturers and Traders Trust Company | 2490 Corning Road Elmira, NY 14903 | Full Service B&M | $20,560 |
| Manufacturers and Traders Trust Company | 25 Indian Rock Suffern, NY 10901 | Full Service B&M | $56,363 |
| Manufacturers and Traders Trust Company | 25 South Charles Street Baltimore, MD 21201 | Full Service B&M | $4,418,090 |
| Manufacturers and Traders Trust Company | 250 Pehle Avenue, Suite 104 Saddle Brook, NJ 7663 | Full Service Retail | $334,748 |
| Manufacturers and Traders Trust Company | 2509 Route 44, Hamlet Of Salt Point Pleasant Valley, NY 12569 | Full Service B&M | $34,639 |
| Manufacturers and Traders Trust Company | 251 Main Street Mount Kisco, NY 10549 | Full Service B&M | $20,560 |
| Manufacturers and Traders Trust Company | 2525 Pot Spring Road. Lutherville Timonium, MD 21093 | Full Service B&M | $11,987 |
| Manufacturers and Traders Trust Company | 2530 Kennedy Boulevard Jersey City, NJ 7304 | Full Service B&M | $54,815 |
| Manufacturers and Traders Trust Company | 255 East Avenue Rochester, NY 14604 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 255 South Lehigh Avenue Frackville, PA 17931 | Full Service B&M | $25,052 |
| Manufacturers and Traders Trust Company | 26 North Court Street Frederick, MD 21701 | Full Service B&M | $39,342 |
| Manufacturers and Traders Trust Company | 2600 Linglestown Road Harrisburg, PA 17110 | Full Service B&M | $60,538 |
| Manufacturers and Traders Trust Company | 2604 West State Street Olean, NY 14760 | Full Service Retail | $15,905 |
| Manufacturers and Traders Trust Company | 261 Godwin Avenue Wyckoff, NJ 7481 | Full Service B&M | $90,800 |
| Manufacturers and Traders Trust Company | 2620 Connecticut Avenue, N.W. Washington, DC 20008 | Full Service B&M | $35,992 |
| Manufacturers and Traders Trust Company | 2637 Brandermill Boulevard Gambrills, MD 21054 | Full Service B&M | $120,335 |
| Manufacturers and Traders Trust Company | 265 South Market Street Elysburg, PA 17824 | Full Service B&M | $34,021 |
| Manufacturers and Traders Trust Company | 2664 Atlantic Avenue Brooklyn, NY 11207 | Full Service B&M | $57,952 |
| Manufacturers and Traders Trust Company | 2669 Main Street Whitney Point, NY 13862 | Full Service B&M | $14,398 |
| Manufacturers and Traders Trust Company | 2700 North Forest Road Amherst, NY 14068 | Full Service B&M | $1,210 |
| Manufacturers and Traders Trust Company | 2715 N. Meridian Blvd Wyomissing, PA 19610 | Full Service B&M | $31,683 |
| Manufacturers and Traders Trust Company | 277 Eisenhower Parkway Livingston, NJ 7039 | Full Service B&M | $35,077 |
| Manufacturers and Traders Trust Company | 2775 Paxton Street Harrisburg, PA 17111 | Full Service B&M | $41,268 |
| Manufacturers and Traders Trust Company | 279 North Pennsylvania Avenue Hancock, MD 21750 | Full Service B&M | $34,936 |
| Manufacturers and Traders Trust Company | 28 East Main Street Rochester, NY 14614 | Full Service B&M | $1,855,109 |
| Manufacturers and Traders Trust Company | 28 North College Street, Holland Union Building Carlisle, PA 17013 | Limited, Mobile/Seasonal Office | $0 |
| Manufacturers and Traders Trust Company | 28 North Main Street Honeoye Falls, NY 14472 | Full Service B&M | $72,293 |
| Manufacturers and Traders Trust Company | 28 Walnut Bottom Road Shippensburg, PA 17257 | Full Service B&M | $42,869 |
| Manufacturers and Traders Trust Company | 280 Congress Street Boston, MA 2210 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 2801 East Market Street York, PA 17402 | Full Service B&M | $75,994 |
| Manufacturers and Traders Trust Company | 2801 Smith Avenue Baltimore, MD 21209 | Full Service Retail | $55,447 |
| Manufacturers and Traders Trust Company | 281 East Fairmount Avenue Lakewood, NY 14750 | Full Service B&M | $58,777 |
| Manufacturers and Traders Trust Company | 283 Hogan Boulevard Mill Hall, PA 17751 | Full Service B&M | $42,770 |
| Manufacturers and Traders Trust Company | 2839 Sr 309 Highway Dallas, PA 18612 | Full Service B&M | $32,517 |
| Manufacturers and Traders Trust Company | 2841 Tome Highway Colora, MD 21917 | Full Service B&M | $41,203 |
| Manufacturers and Traders Trust Company | 285 Delaware Avenue Buffalo, NY 14202 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 28529 Dupont Boulevard Millsboro, DE 19966 | Full Service B&M | $78,083 |
| Manufacturers and Traders Trust Company | 2865 Alabama Avenue, S.E. Washington, DC 20020 | Full Service B&M | $16,806 |
| Manufacturers and Traders Trust Company | 287 Christiana Road, Suite 16 New Castle, DE 19720 | Full Service B&M | $72,675 |
| Manufacturers and Traders Trust Company | 288 Main Street Orange, NJ 7050 | Full Service B&M | $82,615 |
| Manufacturers and Traders Trust Company | 2882 Delaware Avenue Kenmore, NY 14217 | Full Service B&M | $112,367 |
| Manufacturers and Traders Trust Company | 289 Upper Falls Boulevard Rochester, NY 14605 | Full Service Retail | $2,373 |
| Manufacturers and Traders Trust Company | 2934 O'donnell Street Baltimore, MD 21224 | Full Service B&M | $64,801 |
| Manufacturers and Traders Trust Company | 301 West Plank Road Altoona, PA 16602 | Full Service B&M | $105,305 |
| Manufacturers and Traders Trust Company | 2935 Veterans Road West, Suite F Staten Island, NY 10309 | Full Service B&M | $37,190 |
| Manufacturers and Traders Trust Company | 294 Main Street Saugerties, NY 12477 | Full Service B&M | $54,386 |
| Manufacturers and Traders Trust Company | 2968 Delaware Avenue Kenmore, NY 14217 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 3 South Main Street Lyndonville, NY 14098 | Full Service B&M | $26,171 |
| Manufacturers and Traders Trust Company | 3 Washington Street Ellicottville, NY 14731 | Full Service B&M | $25,594 |
| Manufacturers and Traders Trust Company | 300 Chester Pike Glenolden, PA 19036 | Full Service B&M | $27,199 |
| Manufacturers and Traders Trust Company | 300 Great Oaks Blvd Office Park, Ste 327 Albany, NY 12203 | Full Service B&M | $99,454 |
| Manufacturers and Traders Trust Company | 300 Mamaroneck Avenue Mamaroneck, NY 10543 | Full Service B&M | $72,230 |
| Manufacturers and Traders Trust Company | 300 North Washington Street Gettysburg, PA 17325 | Limited, Mobile/Seasonal Office | $0 |
| Manufacturers and Traders Trust Company | 3003 North Charles Street Baltimore, MD 21218 | Full Service B&M | $43,584 |
| Manufacturers and Traders Trust Company | 301 Route 25a Miller Place, NY 11764 | Full Service Retail | $25,905 |
| Manufacturers and Traders Trust Company | 302 Rehoboth Avenue Rehoboth Beach, DE 19971 | Full Service B&M | $62,478 |
| Manufacturers and Traders Trust Company | 302 Somers Commons Baldwin Place, NY 10505 | Full Service B&M | $120,972 |
| Manufacturers and Traders Trust Company | 303 Main Street And Center Avenue Fort Lee, NJ 7024 | Full Service B&M | $148,257 |
| Manufacturers and Traders Trust Company | 303 South Broadway Tarrytown, NY 10591 | Full Service B&M | $7 |
| Manufacturers and Traders Trust Company | 303 South Main Street Old Forge, PA 18518 | Full Service B&M | $42,490 |
| Manufacturers and Traders Trust Company | 3031 East Main Street Mohegan Lake, NY 10547 | Full Service B&M | $82,271 |
| Manufacturers and Traders Trust Company | 3037 Bailey Avenue Buffalo, NY 14215 | Full Service B&M | $10,018 |
| Manufacturers and Traders Trust Company | 304 Essex Street Lodi, NJ 7644 | Full Service B&M | $101,969 |
| Manufacturers and Traders Trust Company | 304 Thruway Mall Cheektowaga, NY 14225 | Full Service B&M | $150,897 |
| Manufacturers and Traders Trust Company | 3050 Hemplan Road Lancaster, PA 17601 | Limited, Mobile/Seasonal Office | $0 |
| Manufacturers and Traders Trust Company | 3065 Niagara Falls Boulevard Amherst, NY 14228 | Full Service B&M | $114,109 |
| Manufacturers and Traders Trust Company | 307 Main Street Goshen, NY 10924 | Full Service B&M | $22,988 |
| Manufacturers and Traders Trust Company | 3078 Bridge Street Newport, NY 13416 | Full Service B&M | $29,432 |
| Manufacturers and Traders Trust Company | 3081 Route 22 Dover Plains, NY 12522 | Full Service B&M | $51,552 |
| Manufacturers and Traders Trust Company | 310 Lenox Avenue New York, NY 10027 | Full Service B&M | $28,826 |
| Manufacturers and Traders Trust Company | 3124 West Broad Street Richmond, VA 23230 | Full Service B&M | $24,473 |
| Manufacturers and Traders Trust Company | 313 Henry Street Orange, NJ 7050 | Full Service B&M | $22,307 |
| Manufacturers and Traders Trust Company | 313 North Greenbush Road Troy, NY 12180 | Full Service B&M | $48,681 |
| Manufacturers and Traders Trust Company | 313 Ushers Road Ballston Lake, NY 12019 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 314 Waring Road Rochester, NY 14609 | Full Service B&M | $22,298 |
| Manufacturers and Traders Trust Company | 315 East Chestnut Street Mifflinburg, PA 17844 | Full Service B&M | $14,650 |
| Manufacturers and Traders Trust Company | 3150 Solomon's Island Road Edgewater, MD 21037 | Full Service B&M | $43,661 |
| Manufacturers and Traders Trust Company | 3165 Latta Road Greece, NY 14612 | Full Service B&M | $89,130 |
| Manufacturers and Traders Trust Company | 3175 Chili Avenue Chili, NY 14624 | Full Service B&M | $74,433 |
| Manufacturers and Traders Trust Company | 31860 Long Neck Road Long Neck, DE 19966 | Full Service B&M | $98,556 |
| Manufacturers and Traders Trust Company | 319 North Main Street Herkimer, NY 13350 | Full Service B&M | $56,531 |
| Manufacturers and Traders Trust Company | 32 North Potomac Street Hagerstown, MD 21740 | Full Service B&M | $23,189 |
| Manufacturers and Traders Trust Company | 32 York Road Towson, MD 21204 | Full Service B&M | $74,620 |
| Manufacturers and Traders Trust Company | 320 Mamaroneck Avenue White Plains, NY 10605 | Full Service B&M | $106,684 |
| Manufacturers and Traders Trust Company | 3201 Lehigh Street Allentown, PA 18103 | Full Service B&M | $22,905 |
| Manufacturers and Traders Trust Company | 3221 Spartan Road Olney, MD 20832 | Full Service B&M | $53,367 |
| Manufacturers and Traders Trust Company | 32547 Lewes Georgetown Highway Lewes, DE 19958 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 329 West Baltimore Street Baltimore, MD 21201 | Full Service B&M | $26,201 |
| Manufacturers and Traders Trust Company | 3290 Monroe Avenue Rochester, NY 14618 | Full Service B&M | $187,032 |
| Manufacturers and Traders Trust Company | 33 East Genesee Street Skaneateles, NY 13152 | Full Service B&M | $94,186 |
| Manufacturers and Traders Trust Company | 33 Roth's Church Road Spring Grove, PA 17362 | Full Service B&M | $34,476 |
| Manufacturers and Traders Trust Company | 33 South Front Street Milton, PA 17847 | Full Service B&M | $22,673 |
| Manufacturers and Traders Trust Company | 33 West State Street Binghamton, NY 13901 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 330 Kinderkamack Road Emerson, NJ 7630 | Full Service B&M | $89,914 |
| Manufacturers and Traders Trust Company | 335 Atlantic City Boulevard Bayville, NJ 8721 | Full Service B&M | $63,795 |
| Manufacturers and Traders Trust Company | 3351 Aramingo Avenue Philadelphia, PA 19134 | Full Service B&M | $23,679 |
| Manufacturers and Traders Trust Company | 3375 West Seneca Avenue Canastota, NY 13032 | Full Service B&M | $16,256 |
| Manufacturers and Traders Trust Company | 340 Main Street Madison, NJ 7940 | Full Service B&M | $66,820 |
| Manufacturers and Traders Trust Company | 3401 Eastern Avenue Baltimore, MD 21224 | Full Service B&M | $109,513 |
| Manufacturers and Traders Trust Company | 3401 Erie Boulevard East De Witt, NY 13214 | Full Service B&M | $116,848 |
| Manufacturers and Traders Trust Company | 341 Springfield Avenue Summit, NJ 7901 | Full Service B&M | $39,836 |
| Manufacturers and Traders Trust Company | 344 South 10th Street Lemoyne, PA 17043 | Full Service B&M | $42,316 |
| Manufacturers and Traders Trust Company | 3470 Annapolis Road Baltimore, MD 21227 | Full Service B&M | $74,631 |
| Manufacturers and Traders Trust Company | 3495 Us Highway 1, Suite 2 Princeton, NJ 8540 | Full Service B&M | $891 |
| Manufacturers and Traders Trust Company | 35-39 East King Street Shippensburg, PA 17257 | Full Service B&M | $19,835 |
| Manufacturers and Traders Trust Company | 35-41 Washington Avenue Endicott, NY 13760 | Full Service B&M | $607,256 |
| Manufacturers and Traders Trust Company | 350 Park Avenue, 6th Floor New York, NY 10022 | Full Service B&M | $2,633,336 |
| Manufacturers and Traders Trust Company | 351 West Main Street Freehold, NJ 7728 | Full Service B&M | $96,888 |
| Manufacturers and Traders Trust Company | 3530 Philadelphia Pike Claymont, DE 19703 | Full Service B&M | $48,350 |
| Manufacturers and Traders Trust Company | 354 Flatbush Avenue Brooklyn, NY 11238 | Full Service B&M | $50,365 |
| Manufacturers and Traders Trust Company | 355 Applegarth Road Monroe, NJ 8831 | Full Service B&M | $105,004 |
| Manufacturers and Traders Trust Company | 3562 Route 27, Suite 130 Kendall Park, NJ 8824 | Full Service B&M | $67,559 |
| Manufacturers and Traders Trust Company | 3607 Derry Street Harrisburg, PA 17111 | Limited, Administrative | $0 |
| Manufacturers and Traders Trust Company | 3621 Old Philadelphia Pike Intercourse, PA 17534 | Full Service B&M | $30,129 |
| Manufacturers and Traders Trust Company | 3637 Delaware Avenue Kenmore, NY 14217 | Full Service B&M | $201,413 |
| Manufacturers and Traders Trust Company | 3640 James Street Syracuse, NY 13206 | Full Service B&M | $53,485 |
| Manufacturers and Traders Trust Company | 365 Tucker Avenue Union, NJ 7083 | Full Service B&M | $113,494 |
| Manufacturers and Traders Trust Company | 367 West Lancaster Avenue Wayne, PA 19087 | Full Service B&M | $88,789 |
| Manufacturers and Traders Trust Company | 3690 East Avenue Rochester, NY 14618 | Limited, Mobile/Seasonal Office | $0 |
| Manufacturers and Traders Trust Company | 370 Route 130 East Windsor, NJ 8520 | Full Service B&M | $88,878 |
| Manufacturers and Traders Trust Company | 3700 Union Road Cheektowaga, NY 14225 | Full Service B&M | $116,653 |
| Manufacturers and Traders Trust Company | 3701 West Genesee Street Camillus, NY 13219 | Full Service B&M | $112,140 |
| Manufacturers and Traders Trust Company | 3706 Howard Avenue Kensington, MD 20895 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 375 South Cedar Crest Boulevard Allentown, PA 18103 | Full Service B&M | $53,185 |
| Manufacturers and Traders Trust Company | 3763 Old Court Road Pikesville, MD 21208 | Full Service B&M | $181,536 |
| Manufacturers and Traders Trust Company | 37660 Mohawk Drive Charlotte Hall, MD 20622 | Full Service B&M | $43,381 |
| Manufacturers and Traders Trust Company | 379 Ramapo Valley Road Oakland, NJ 7436 | Full Service B&M | $100,004 |
| Manufacturers and Traders Trust Company | 38 West Ridgely Road Timonium, MD 21093 | Full Service B&M | $180,322 |
| Manufacturers and Traders Trust Company | 3801 Kennett Pike Wilmington, DE 19807 | Full Service B&M | $161,415 |
| Manufacturers and Traders Trust Company | 38015 Town Center Drive Millville, DE 19967 | Full Service B&M | $81,475 |
| Manufacturers and Traders Trust Company | 3824 North Main Street, P.O. Box 85 Marion, NY 14505 | Full Service B&M | $29,328 |
| Manufacturers and Traders Trust Company | 3866 International Drive Silver Spring, MD 20906 | Full Service B&M | $33,041 |
| Manufacturers and Traders Trust Company | 38716 Sussex Highway Delmar, DE 19940 | Full Service B&M | $44,726 |
| Manufacturers and Traders Trust Company | 389 Halstead Ave Harrison, NY 10528 | Full Service B&M | $89,737 |
| Manufacturers and Traders Trust Company | 39 Shipping Place Dundalk, MD 21222 | Full Service B&M | $83,848 |
| Manufacturers and Traders Trust Company | 39 Slayton Avenue, Spencerport Village Plaza Spencerport, NY 14559 | Full Service B&M | $54,327 |
| Manufacturers and Traders Trust Company | 3945 Route 31 Clay, NY 13090 | Full Service B&M | $72,049 |
| Manufacturers and Traders Trust Company | 397 First Avenue New York, NY 10010 | Full Service B&M | $102,740 |
| Manufacturers and Traders Trust Company | 399 East Main Street Middletown, DE 19709 | Full Service B&M | $64,156 |
| Manufacturers and Traders Trust Company | 3995 Carlisle Road Dover, PA 17315 | Full Service B&M | $82,499 |
| Manufacturers and Traders Trust Company | 4 Courthouse Square Rockville, MD 20850 | Full Service B&M | $226,849 |
| Manufacturers and Traders Trust Company | 4 Jefferson Plaza Poughkeepsie, NY 12601 | Full Service B&M | $49,792 |
| Manufacturers and Traders Trust Company | 4 North U.S. Highway 15 Dillsburg, PA 17019 | Full Service B&M | $18,322 |
| Manufacturers and Traders Trust Company | 40 Chestnut Street Cold Spring, NY 10516 | Full Service B&M | $70,865 |
| Manufacturers and Traders Trust Company | 40 Colonial Drive Towanda, PA 18848 | Full Service B&M | $48,649 |
| Manufacturers and Traders Trust Company | 400 East Pratt Street Baltimore, MD 21202 | Full Service B&M | $46,031 |
| Manufacturers and Traders Trust Company | 400 North Third Street Womelsdorf, PA 19567 | Full Service B&M | $26,754 |
| Manufacturers and Traders Trust Company | 4000 Perkiomen Avenue Reading, PA 19606 | Full Service B&M | $51,907 |
| Manufacturers and Traders Trust Company | 401 Broad Hollow Road Melville, NY 11747 | Full Service B&M | $133,843 |
| Manufacturers and Traders Trust Company | 401 East 55th Street New York, NY 10022 | Full Service B&M | $73,370 |
| Manufacturers and Traders Trust Company | 405 River Avenue Williamsport, PA 17701 | Full Service B&M | $245,129 |
| Manufacturers and Traders Trust Company | 405 Sunburst Highway Cambridge, MD 21613 | Full Service B&M | $36,773 |
| Manufacturers and Traders Trust Company | 405 Washington Ave. Towson, MD 21204 | Full Service B&M | $108,089 |
| Manufacturers and Traders Trust Company | 405 West Main Street Middletown, DE 19709 | Full Service B&M | $61,366 |
| Manufacturers and Traders Trust Company | 408 East Madison Avenue Dumont, NJ 7628 | Full Service B&M | $78,695 |
| Manufacturers and Traders Trust Company | 4084 North Buffalo Street Orchard Park, NY 14127 | Full Service B&M | $224,822 |
| Manufacturers and Traders Trust Company | 409 East 25th Avenue Altoona, PA 16601 | Full Service B&M | $45,205 |
| Manufacturers and Traders Trust Company | 409 Market Street Lewisburg, PA 17837 | Full Service B&M | $61,893 |
| Manufacturers and Traders Trust Company | 409 North Front Street Philipsburg, PA 16866 | Limited, Drive-thru | $0 |
| Manufacturers and Traders Trust Company | 409 North Front Street Philipsburg, PA 16866 | Full Service B&M | $46,203 |
| Manufacturers and Traders Trust Company | 410 Meadow Creek Drive Westminster, MD 21158 | Limited, Administrative | $0 |
For 2018, M&t Bank had 818 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $4,587,366 |
| Net interest income | $4,098,213 |
| Total noninterest income | $1,534,477 |
| Gross Fiduciary activities income | $239,924 |
| Service charges on deposit accounts | $331,766 |
| Trading account gains and fees | $33,007 |
| Additional Noninterest Income | $929,780 |
| Pre-tax net operating income | $2,631,708 |
| Securities gains (or losses, -) | $-6,191 |
| Income before extraordinary items | $2,008,086 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $2,008,086 |
| Minority interest net income | $0 |
| Net income | $2,008,086 |
| Sale, conversion, retirement of capital stock, net | $62,642 |
| Net operating income | $2,012,976 |
M&t Bank's gross interest income from loans was $4,587,366,000.
M&t Bank's net interest income from loans was $4,098,213,000.
M&t Bank's fee based income from loans was $331,766,000.
M&t Bank's net income from loans was $2,008,086,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $489,153 |
| Provision for credit losses | $132,000 |
| Total noninterest expense | $2,868,982 |
| Salaries and employee benefits | $1,633,131 |
| Premises and equipment expense | $286,837 |
| Additional noninterest expense | $949,014 |
| Applicable income taxes | $617,431 |
| Net charge-offs | $129,411 |
| Cash dividends | $1,440,000 |
M&t Bank's interest expense for loans was $489,153,000.
M&t Bank's payroll and benefits expense were $1,633,131,000.
M&t Bank's property, plant and equipment expenses $286,837,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 3.0% |
| HELOC loans | 1.0% |
| All other family | 3.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.7% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 1.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $91,644,153 |
| Deposits held in domestic offices | $90,810,074 |
| Deposits by Individuals, partnerships, and corporations | $84,342,936 |
| Deposits by U.S. Government | $52 |
| Deposits by States and political subdivisions in the U.S. | $5,578,410 |
| Deposits by Commercial banks and other depository institutions in U.S. | $888,626 |
| Deposits by Banks in foreign countries | $50 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $21,368,490 |
| Demand deposits | $21,066,935 |
| Nontransaction accounts | $69,441,584 |
| Money market deposit accounts (MMDAs) | $55,617,459 |
| Other savings deposits (excluding MMDAs) | $7,712,165 |
| Total time deposits | $6,111,960 |
| Total time and savings deposits | $69,743,139 |
| Noninterest-bearing deposits | $32,903,561 |
| Interest-bearing deposits | $57,906,513 |
| Retail deposits | $86,962,174 |
| IRAs and Keogh plan accounts | $1,439,759 |
| Brokered deposits | $2,973,314 |
| Deposits held in foreign offices | $834,079 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $119,636,147 |
| Cash & Balances due from depository institutions | $9,641,162 |
| Interest-bearing balances | $8,056,433 |
| Total securities | $12,068,166 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $87,281,714 |
| Loan and leases loss allowance | $1,015,540 |
| Trading account assets | $126,570 |
| Bank premises and fixed assets | $621,830 |
| Other real estate owned | $77,982 |
| Goodwill and other intangibles | $4,875,351 |
| All other assets | $4,943,372 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $119,636,147 |
| Total Liabilities | $104,730,159 |
| Total deposits | $91,644,153 |
| Interest-bearing deposits | $58,740,592 |
| Deposits held in domestic offices | $90,810,074 |
| % insured (estimated) | $56 |
| Federal funds purchased and repurchase agreements | $607,532 |
| Trading liabilities | $162,290 |
| Other borrowed funds | $9,566,945 |
| Subordinated debt | $1,391,053 |
| All other liabilities | $1,358,186 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $87,281,714 |
| Loan and leases loss allowance | $1,015,540 |
| Total loans and leases (domestic) | $88,297,254 |
| All real estate loans | $56,236,989 |
| Real estate loans in domestic offices | $56,192,681 |
| Construction and development loans | $8,794,661 |
| Residential 1-4 family construction | $1,590,091 |
| Other construction, all land development and other land | $7,204,570 |
| Loans secured by nonfarm nonresidential properties | $21,683,229 |
| Nonfarm nonresidential secured by owner-occupied properties | $6,155,216 |
| Commercial real estate & other non-farm, non-residential | $15,528,013 |
| Multifamily residential real estate | $3,750,847 |
| 1-4 family residential loans | $21,830,750 |
| Farmland loans | $133,194 |
| Loans held in foreign offices | $44,308 |
| Farm loans | $24,492 |
| Commercial and industrial loans | $18,208,703 |
| To non-U.S. addressees | $108,726 |
| Loans to individuals | $9,105,331 |
| Credit card loans | $552,417 |
| Related Plans | $68,415 |
| Consumer Auto Loans | $3,658,607 |
| Other loans to individuals | $4,825,892 |
| All other loans & leases | $4,721,739 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $3,348,536 |
| Loans to depository institutions and acceptances of other banks | $2,795 |
| Loans not secured by real estate | $3,400,907 |
| Loans secured by real estate to non-U.S. addressees | $63,428 |
| Restructured Loans & leases | $226,263 |
| Non 1-4 family restructured loans & leases | $60,438 |
| Total loans and leases (foreign) | $121,986 |
M&T Bank had $87,281,714,000 of loans outstanding in 2018. $56,236,989,000 of loans were in real estate loans. $8,794,661,000 of loans were in development loans. $3,750,847,000 of loans were in multifamily mortgage loans. $21,830,750,000 of loans were in 1-4 family mortgage loans. $24,492,000 of loans were in farm loans. $552,417,000 of loans were in credit card loans. $3,658,607,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 7,017 | $2,053,285 | $292,616 |
| Nonfarm, nonresidential loans - <$100k | 556 | $28,553 | $51,354 |
| Nonfarm, nonresidential loans - $100-250k | 2,193 | $284,496 | $129,729 |
| Nonfarm, nonresidential loans - $250k-1MM | 4,268 | $1,740,236 | $407,740 |
| Commercial & Industrial, US addressed loans - <$1MM | 41,050 | $2,885,143 | $70,284 |
| Commercial & Industrial, US addressed loans - <$100k | 28,396 | $668,888 | $23,556 |
| Commercial & Industrial, US addressed loans - $100-250k | 7,189 | $694,522 | $96,609 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 5,465 | $1,521,733 | $278,451 |
| Farmland loans - <$1MM | 121 | $27,269 | $225,364 |
| Farmland loans - <$100k | 16 | $938 | $58,625 |
| Farmland loans - $100-250k | 40 | $5,532 | $138,300 |
| Farmland loans - $250k-1MM | 65 | $20,799 | $319,985 |
| Agriculture operations loans - <$1MM | 38 | $2,751 | $72,395 |
| Agriculture operations loans - <$100k | 24 | $728 | $30,333 |
| Agriculture operations loans - $100-250k | 12 | $1,690 | $140,833 |
| Agriculture operations loans - $250k-1MM | 2 | $333 | $166,500 |