Manufacturers and Traders Trust Company
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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Champion
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
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
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
5,141 loans · 0.10% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,283 loans · 0.36% above market
Exceptional
Top 20% of lenders
5/5
VA
481 loans · 0.25% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
666 loans · 0.21% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
5,675 loans · 0.06% above market
Exceptional
Top 20% of lenders
5/5
Refinance
1,902 loans · 0.23% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 5,141 | 67.9% | +0.098%Above | $1,174Fees | ||||
FHA Loans | 1,283 | 16.9% | +0.358%Above | $1,134Fees | ||||
VA Loans | 481 | 6.3% | -0.247%Below | $2,177Fees | ||||
Jumbo Loans | 666 | 8.8% | -0.206%Below | $185Credit |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume5,141
Mix67.9%
Spread
+0.098%Above
Fees
$1,174Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,283
Mix16.9%
Spread
+0.358%Above
Fees
$1,134Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume481
Mix6.3%
Spread
-0.247%Below
Fees
$2,177Fees
Jumbo Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume666
Mix8.8%
Spread
-0.206%Below
Fees
$185Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,675 | 74.9% | +0.060%Above | $753Fees | ||||
Refinance | 1,902 | 25.1% | +0.226%Above | $1,893Fees |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume5,675
Mix74.9%
Spread
+0.060%Above
Fees
$753Fees
Refinance
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
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
51Full-year 2024 · HMDANationwide · all 50 states and DCLoans originated
< 2020–5050–100100+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 42 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.