Manufacturers and Traders Trust Company received 40,596 applications in 2025 and made
23,446 mortgages, in 1,389 counties across 51 states.
The median rate its borrowers got was 5.990% on a median loan of $165,000.
Of 36,644 decisions, 12,072 were denials — 32.9%, most often for debt-to-income ratio.
5 of its applications carried no county and are counted here but on no county page.
When Manufacturers and Traders Trust Company’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are
not a lender, a broker or a lead generator: this is a notification about published data, not a sales call.
Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.