Manufacturers and Traders Trust Company: 2025 mortgage rates, costs & approvals
How Manufacturers and Traders Trust Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Manufacturers and Traders Trust Company · LEI WWB2V0FCW3A0EE3ZJN75
In 2025, Manufacturers and Traders Trust Company originated 8,652 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 66th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was 19 basis points below the national median. Median conventional loan costs were $5,400, 3% lower than the national median ($5,570).
It denied 7.9% of completed home-purchase applications (all lenders: 8.5%).
How Manufacturers and Traders Trust Company priced home-purchase loans
| Purchase loans, 2025 | Manufacturers and Traders Trust Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.375% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.000% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | −0.06 pts | +0.13 pts |
| Total loan costs · conventional | $5,400 | $5,570 |
| Total loan costs · FHA | $8,740 | $11,310 |
| Total loan costs · VA | $3,040 | $6,490 |
| Origination charges (all types) | $1,500 | $1,860 |
| Borrowers paying discount points | 39.8% | 51.3% |
| Points paid, when paid (% of loan) | 0.25% | 0.87% |
| Borrowers receiving lender credits | 41.6% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Manufacturers and Traders Trust Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Manufacturers and Traders Trust Company lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 2,795 | 3,267 | 9.3% | 6.500% | $4,820 |
| Massachusetts | 945 | 1,010 | 4.8% | 6.125% | $5,650 |
| Maryland | 899 | 1,037 | 7.5% | 6.250% | $5,510 |
| New Jersey | 665 | 768 | 9.9% | 6.250% | $6,250 |
| Pennsylvania | 629 | 713 | 5.2% | 6.500% | $5,590 |
| Virginia | 573 | 620 | 3.3% | 6.375% | $5,800 |
| Connecticut | 407 | 458 | 8.3% | 6.375% | $5,850 |
| Florida | 170 | 218 | 9.8% | 6.125% | $6,880 |
| District of Columbia | 133 | 140 | 2.7% | 6.250% | $6,780 |
| California | 103 | 149 | 16.3% | — | — |
| Texas | 100 | 128 | 12.4% | — | — |
| Delaware | 94 | 103 | 2.9% | 6.375% | $4,890 |
| Vermont | 85 | 100 | 10.3% | 6.500% | $5,000 |
| New Hampshire | 81 | 95 | 7.4% | 6.500% | $4,450 |
| Georgia | 76 | 130 | 6.1% | — | — |
| North Carolina | 76 | 96 | 6.1% | — | $4,560 |
| Colorado | 62 | 67 | 1.8% | — | — |
| South Carolina | 56 | 66 | 6.1% | — | — |
| Illinois | 48 | 72 | 18.2% | — | — |
| Ohio | 47 | 66 | — | — | — |
| Arizona | 47 | 57 | 13.2% | — | — |
| Indiana | 38 | 58 | — | — | — |
| Tennessee | 38 | 54 | — | — | — |
| Michigan | 37 | 51 | — | — | — |
| Hawaii | 37 | 40 | 7.7% | — | — |
| Washington | 34 | 44 | 19.2% | — | — |
| Missouri | 33 | 55 | — | — | — |
| Alabama | 32 | 50 | — | — | — |
| Maine | 32 | 33 | 0.0% | — | — |
| Oregon | 23 | 33 | — | — | — |
| Louisiana | 22 | 35 | — | — | — |
| Oklahoma | 19 | 30 | — | — | — |
| West Virginia | 19 | 23 | — | — | — |
| Wisconsin | 18 | 26 | — | — | — |
| Kentucky | 18 | 23 | — | — | — |
| Minnesota | 18 | 22 | — | — | — |
| Mississippi | 16 | 24 | — | — | — |
| New Mexico | 15 | 22 | — | — | — |
| Kansas | 15 | 19 | — | — | — |
| Utah | 15 | 19 | — | — | — |
| Rhode Island | 14 | 16 | — | — | — |
| Idaho | 14 | 14 | — | — | — |
| Nevada | 13 | 19 | — | — | — |
| Iowa | 8 | 10 | — | — | — |
| Nebraska | 7 | 14 | — | — | — |
| Arkansas | 7 | 12 | — | — | — |
| North Dakota | 5 | 6 | — | — | — |
| Alaska | 5 | 5 | — | — | — |
| Wyoming | 4 | 7 | — | — | — |
| South Dakota | 3 | 5 | — | — | — |
| Montana | 2 | 4 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Manufacturers and Traders Trust Company's page for that state.
Counties where Manufacturers and Traders Trust Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Erie County, NY | 3 | 1,019 | 10.9% |
| Chautauqua County, NY | 4 | 88 | 10.2% |
| Niagara County, NY | 4 | 170 | 8.0% |
| Genesee County, NY | 3 | 29 | 6.1% |
| Cattaraugus County, NY | 5 | 28 | 6.1% |
| Orleans County, NY | 5 | 18 | 5.2% |
| Herkimer County, NY | 8 | 23 | 5.1% |
| Broome County, NY | 4 | 63 | 4.7% |
| Cayuga County, NY | 8 | 24 | 4.3% |
| Schuyler County, NY | 7 | 5 | 4.2% |
| Tompkins County, NY | 6 | 24 | 4.0% |
| Tioga County, NY | 9 | 14 | 3.5% |
| Ulster County, NY | 9 | 48 | 3.3% |
| Onondaga County, NY | 13 | 139 | 3.3% |
| Cortland County, NY | 7 | 10 | 3.2% |
Check Manufacturers and Traders Trust Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI WWB2V0FCW3A0EE3ZJN75.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Manufacturers and Traders Trust Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology