Lender in New York · HMDA 2025
Manufacturers and Traders Trust Company mortgages in New York
Manufacturers and Traders Trust Company's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Manufacturers and Traders Trust Company originated 2,795 owner-occupied single-family loans in New York from 3,267 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $4,820 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.50% (New York: 6.50%).
Loans in NY
2,795
of 3,267 applications
Denial rate
9.3%
Purchase · NY 9.5%
Rate spread
+0.02 pts
Conv. · NY +0.07 pts
Loan amount
$255,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,503 | 2,229 | 9.3% | 6.500% | +0.02 pts | $4,820 | $255,000 |
| Refinance | 183 | 134 | 24.0% | 6.375% | −0.08 pts | $5,450 | $425,000 |
| Cash-out refinance | 581 | 432 | 20.8% | 6.750% | +0.34 pts | $5,600 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Manufacturers and Traders Trust Company ranks in the top 25
Showing the 30 counties where it ranks highest, of 44.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Erie County | 3 | 1,019 | 10.9% |
| Genesee County | 3 | 29 | 6.1% |
| Niagara County | 4 | 170 | 8.0% |
| Chautauqua County | 4 | 88 | 10.2% |
| Broome County | 4 | 63 | 4.7% |
| Cattaraugus County | 5 | 28 | 6.1% |
| Orleans County | 5 | 18 | 5.2% |
| Tompkins County | 6 | 24 | 4.0% |
| Cortland County | 7 | 10 | 3.2% |
| Schuyler County | 7 | 5 | 4.2% |
| Cayuga County | 8 | 24 | 4.3% |
| Herkimer County | 8 | 23 | 5.1% |
| Ulster County | 9 | 48 | 3.3% |
| Tioga County | 9 | 14 | 3.5% |
| Albany County | 10 | 40 | 1.5% |
| Wyoming County | 10 | 8 | 2.3% |
| Monroe County | 11 | 133 | 1.8% |
| Rensselaer County | 11 | 22 | 1.5% |
| Madison County | 11 | 17 | 2.9% |
| Chenango County | 11 | 6 | 1.9% |
| Oneida County | 12 | 55 | 3.0% |
| Onondaga County | 13 | 139 | 3.3% |
| Allegany County | 14 | 4 | 1.5% |
| Washington County | 15 | 9 | 1.5% |
| Dutchess County | 16 | 38 | 1.5% |
| Schenectady County | 16 | 21 | 1.2% |
| Ontario County | 16 | 13 | 1.2% |
| Sullivan County | 16 | 10 | 1.6% |
| Montgomery County | 16 | 7 | 1.7% |
| Westchester County | 17 | 87 | 1.2% |
- Manufacturers and Traders Trust Company nationwide
- New York mortgage market
- Manufacturers and Traders Trust Company in Massachusetts
- Manufacturers and Traders Trust Company in Maryland
- Manufacturers and Traders Trust Company in New Jersey
- Manufacturers and Traders Trust Company in Pennsylvania
- Manufacturers and Traders Trust Company in Virginia
- Manufacturers and Traders Trust Company in Connecticut
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology