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Manufacturers and Traders Trust Company

Bank•Buffalo, NYHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Manufacturers and Traders Trust Company — 7.6k loans across 11k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
National · 49 mkts
Safe Rate Awards
Jumbo Champion
Jumbo
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo loans
  • Nationwide availability with consistent service

Explore another lender or local market

Report Card

Manufacturers and Traders Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+10.5 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume5,141
Mix67.9%
Spread
+0.098%Above
Fees
$1,174Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume1,283
Mix16.9%
Spread
+0.358%Above
Fees
$1,134Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume481
Mix6.3%
Spread
-0.247%Below
Fees
$2,177Fees
Jumbo Loans
Overall
Exceptional
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume666
Mix8.8%
Spread
-0.206%Below
Fees
$185Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume5,675
Mix74.9%
Spread
+0.060%Above
Fees
$753Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume1,902
Mix25.1%
Spread
+0.226%Above
Fees
$1,893Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
7,577
Applications
10,749
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
+0.105%
vs. market APOR
Avg Net Fees
$1,064
Origination − Credits
Pullthrough Rate
70.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$432,535
Avg Borrower Income
$201,628
Avg Property Value
$627,354

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

51Nationwide · all 50 states and DC
51 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Buffalo, NYMetro
Volume 1,054Mix 13.91% of portfolio
96/100
Exceptional
2© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 217Mix 2.86% of portfolio
84/100
Exceptional
3© Quintin Soloviev · CC BY 4.0
Bridgeport, CTMetro
Volume 162Mix 2.14% of portfolio
80/100
Exceptional
4© Luciof · CC BY-SA 3.0
Boston, MAMetro
Volume 306Mix 4.04% of portfolio
80/100
Exceptional
5© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 398Mix 5.25% of portfolio
80/100
Exceptional
6© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 373Mix 4.92% of portfolio
79/100
Strong
7© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 425Mix 5.61% of portfolio
78/100
Strong
8© Vmanjr · CC BY-SA 3.0
Binghamton, NYMetro
Volume 107Mix 1.41% of portfolio
78/100
Strong
9© Percival Kestreltail · CC BY-SA 3.0
Cambridge, MAMetro
Volume 302Mix 3.99% of portfolio
78/100
Strong
10© Andrey Volk · CC BY-SA 4.0
Utica, NYMetro
Volume 78Mix 1.03% of portfolio
76/100
Strong
Showing 10 of 49 metro areas

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 2,631Mix 34.72% of portfolio
93/100
Exceptional
Maryland
Maryland
2
MarylandState
Volume 748Mix 9.87% of portfolio
82/100
Exceptional
Massachusetts
Massachusetts
3
MassachusettsState
Volume 723Mix 9.54% of portfolio
81/100
Exceptional
New Jersey
New Jersey
4
New JerseyState
Volume 505Mix 6.66% of portfolio
79/100
Strong
Connecticut
Connecticut
5
ConnecticutState
Volume 385Mix 5.08% of portfolio
77/100
Strong
Pennsylvania
Pennsylvania
6
PennsylvaniaState
Volume 560Mix 7.39% of portfolio
77/100
Strong
Virginia
Virginia
7
VirginiaState
Volume 460Mix 6.07% of portfolio
76/100
Strong
Washington, DC
Washington, DC
8
Washington, DCState
Volume 91Mix 1.20% of portfolio
71/100
Strong
Delaware
Delaware
9
DelawareState
Volume 97Mix 1.28% of portfolio
65/100
Strong
Vermont
Vermont
10
VermontState
Volume 86Mix 1.14% of portfolio
65/100
Strong
Showing 10 of 42 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.