Applications / Mortgage Analytics / Lenders / Maryland / M&T Realty Capital
Baltimore, MD · Non-bank subsidiary of a bank · CFPB · 155 loans in 2025
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155
loans originated, 2025
169
applications, 2025
27
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
M&T Realty Capital lends on large properties, not family homes: its typical loan was $18.8 million, against $260,000 for similar lenders.
It made 155 loans in 2025, fewer than most similar lenders (non-bank subsidiaries of banks making between a quarter and four times as many loans), but its typical loan was the largest in the group. Refinances were 61.9% of its loans and purchases 36.1%. Its loans carry no figure for borrowers' incomes, which may reflect lending to companies rather than households.
It has reported since 1990, and its yearly count has stayed between 106 and 168 since 2018. Loans rose 17% in 2025, from 132, faster than more than four in five similar lenders, whose loans grew 2%.
More than a third of its loans (35.3%) financed property in low- and moderate-income (LMI) neighborhoods, about double the 17.0% at similar lenders. Majority-minority neighborhoods got 37.4%, against 18.5%. Neither is new: the LMI share was 33.6% five years earlier and 32.1% in 2024.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. M&T Realty Capital took 169 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.9% · Purchase 36.1% · Home improvement 1.9%
Conventional 91.6% · FHA 8.4% · of 155 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 43 | 27.7% |
| Texas | 16 | 10.3% |
| California | 12 | 7.7% |
| Washington | 11 | 7.1% |
| Indiana | 7 | 4.5% |
| Maryland | 7 | 4.5% |
| Connecticut | 6 | 3.9% |
| Massachusetts | 6 | 3.9% |
| Arizona | 5 | 3.2% |
| Florida | 5 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 14 |
| Houston-Pasadena-The Woodlands | 9 |
| Rochester | 9 |
| Syracuse | 7 |
| Baltimore-Columbia-Towson | 5 |
| Seattle-Bellevue-Kent | 5 |
| Chicago-Naperville-Schaumburg | 4 |
| Dallas-Plano-Irving | 4 |
| Indianapolis-Carmel-Greenwood | 4 |
| Los Angeles-Long Beach-Glendale | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KKWIJLOTNP7667 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1074736 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 9521075143 | |
| Respondent ID (the HMDA filer code before 2018) | 21074736 | 1990–2010 |
Established 5 October 1973. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: M&T Realty Capital's data.
M&T Realty Capital's data
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M&T Realty Capital and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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