Independent research profile. Not a ranking.
Independent lender research
M&T Bank
FDIC-insured bank
- NMLS Institution ID 381076
- FDIC Certificate 588
Headquarters (FDIC record): Buffalo, NY
Independent research from official public records. No paid ranking. No lender score. Not lending advice.
HMDA activity shown reflects the 2025 reporting vintage. Dates below are source dates, not ingest dates.
Evidence coverage
Coverage describes what this evidence layer contains. None observed is not the same as none exists. Partial means the evidence layer is incomplete.
identity
Complete
Official identifiers are attached to this institution.
hmda
Available
HMDA 2025 reporting vintage activity is attached.
cfpb
None observed
No confirmed CFPB complaints are attached in connected sources. This is not proof that no complaints exist.
enforcement
None observed
No attributable enforcement events were observed in the currently connected sources. This is not proof that no history exists.
servicer role
Not established
Servicer status comes only from official role evidence, not from names or complaint volume.
nmls
Available
An NMLS Institution ID is attached.
depository
FDIC-insured bank
Depository type is taken from official FDIC/NCUA identifiers when present.
Identity & regulatory identifiers
Identifiers are shown in their own namespaces. An LEI is not an NMLS ID. An NMLS Institution ID is not a branch or person ID. An FDIC certificate is not a mortgage license.
- NMLS Institution ID
- 381076
- FDIC Certificate
- 588
- Federal Reserve RSSD
- 501105
- LEI
- WWB2V0FCW3A0EE3ZJN75
Names on this institution
- Legal name: M&T Bank
- Legal name: Manufacturers and Traders Trust Company
Historical names remain on this same institution. They do not create a separate profile.
Mortgage activity reported through HMDA
Period: HMDA 2025 reporting vintage. This is not 2026 mortgage activity. Source: FFIEC HMDA 2025 LEI summaries.
Applications
40,591
sum(applications) at state grain. Not a quality signal.
Originations
23,443
sum(originations) at state grain.
Origination rate
57.8%
23,443 originations / 40,591 applications. Not an approval prediction.
Denials
11,866
County-grain denial count. Not a quality score.
Denial rate
29.2%
11,866 county-grain denials ÷ 40,591 state-grain applications. Numerator is county-grain denials; denominator is state-grain applications. Full LAR action_taken distribution is not stored. Do not compare lenders without scale context. Not a quality score. This is not “chance of being denied” and not your approval odds.
See methodology.
Where HMDA activity was observed
HMDA activity observed in listed states/counties. This is not headquarters, not licensed-in, and not a branch network. These are not licensed states, branch locations, or a service area unless separate evidence says so.
Headquarters (separate from activity): Buffalo, NY
Top states by HMDA applications
| Category | Count |
|---|---|
| New York (NY) | 12,333 |
| Maryland (MD) | 5,497 |
| Pennsylvania (PA) | 4,830 |
| Connecticut (CT) | 4,030 |
| New Jersey (NJ) | 2,863 |
| Massachusetts (MA) | 2,606 |
| Virginia (VA) | 1,563 |
| Delaware (DE) | 1,337 |
| Florida (FL) | 773 |
| Vermont (VT) | 617 |
HMDA activity observed in 51 states.
Top counties by HMDA applications
| Category | Count |
|---|---|
| 36029 · NY | 3,144 |
| 09110 · CT | 1,215 |
| 24005 · MD | 1,115 |
| 36103 · NY | 1,099 |
| 42133 · PA | 865 |
| 36055 · NY | 864 |
| 09190 · CT | 809 |
| 24510 · MD | 715 |
| 24031 · MD | 709 |
| 36067 · NY | 708 |
| 09120 · CT | 644 |
| 25017 · MA | 586 |
| 10003 · DE | 564 |
| 09170 · CT | 537 |
| 34003 · NJ | 526 |
County FIPS codes are activity locations, not branches. 921 counties with observed applications.
Consumer complaint evidence
CFPB complaints attributed to this institution through confirmed identity mappings. Complaint totals are not a quality score and are not enforcement findings.
No confirmed CFPB complaints are attributed to this institution in the current evidence layer.
Complaint data includes only records deterministically attributed to this institution. Some CFPB source labels remain unresolved and are listed separately.
Regulatory & Enforcement History
Separate from consumer complaints. Events appear only when a regulator record is confirmed to this institution with an official identifier. Counts are not a severity score. Nonfinal events are not proven wrongdoing unless the source disposition says so.
No attributable enforcement events were observed in the currently connected sources. That is not proof that no enforcement history exists.
Observed roles
Servicer role: Servicer role not established
Role status uses official servicer-role evidence only. It is not inferred from company name, CFPB complaint count, ownership, parent company, or mortgage volume.
- FDIC-insured bank
Sources & methodology
Consumers should use source and reporting dates. Snapshot rebuild dates are not “verified today.”
FFIEC · hmda_2025_lender_state_summary
As-of / vintage: HMDA 2025
Source observed: 2025-12-31
source vintage, not ingest date
GLEIF · lei-records
FDIC · institutions
- HMDA 2025 is a reporting vintage, not current 2026 lending activity.
- HMDA activity geography is not headquarters and not a branch or license map.
- CFPB counts include confirmed attributions only.
- Enforcement requires an independent confirmed identifier; a complaint bridge is not enough.
- NONE OBSERVED enforcement is not proof of no history.
- No Trust Score, ranking, or quality conversion is computed.
- Purchase/refinance and FHA/VA/conventional program splits are not populated in the current LEI summaries.
- Year-over-year HMDA is unavailable (single vintage).
Contract lend-nat-011-v1. Materialized evidence snapshot. Not a live national scan. Lookup 53 ms.