Manufacturers and Traders Trust Company NMLS #381076
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Who is Manufacturers and Traders Trust Company?
Manufacturers and Traders Trust Company (NMLS #381076) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerManufacturers and Traders Trust Company
- NMLS #381076
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 36,645 applications decided by Manufacturers and Traders Trust Company in 2025, 23,446 were originated, 1,126 were approved but not accepted by the borrower, and 12,073 were denied.
- Median rate spread-0.756 (reported on 21,924 originations, 1,522 reported no spread at all -- a median of what was reported, not of everything originated)
That is an approval rate of 67.1%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T20:58:22+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Manufacturers and Traders Trust Company — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Manufacturers and Traders Trust Company
Overview
Manufacturers and Traders Trust Company is an active corporation with an NMLS company ID. The company is regulated by the Board of Governors of the Federal Reserve System and is associated with consumer-facing names that include Manufacturers and Traders Trust Company/M&T Bank and M&T Bank.
Company details and licensing
Manufacturers and Traders Trust Company is a corporation formed in New York, United States, on September 13, 1892. Its headquarters are at One M&T Plaza in Buffalo, New York 14203. Its NMLS company ID is 381076. Licensing is verifiable through NMLS Consumer Access.
Frequently Asked Questions
What is Manufacturers and Traders Trust Company's NMLS number?
Manufacturers and Traders Trust Company's NMLS number is 381076. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Manufacturers and Traders Trust Company's NMLS ID?
Yes. We checked Manufacturers and Traders Trust Company's company name and NMLS ID against the NMLS record on February 5, 2026. They've been in our lender network since October 2016. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Manufacturers and Traders Trust Company?
This page has Manufacturers and Traders Trust Company's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.