U.S. Mortgage Index

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Public institution profile · Bank · Not a recommendation

Manufacturers and Traders Trust Company

BankBuffalo, NYActive

FDIC certificate 588

Data observedAugust 5, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
588
company ID
Not published — no verified match
More identifiers
Federal Reserve
501105
OCC charter number
Not published — no verified match
Not published — no verified match
Official website
https://www.mtb.com

Verify at FDICVerify at FFIEC NIC / regulator

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Bank
Status
Active
Headquarters
Buffalo, NY
HMDA activity
Published activity year 2025
Listed branch locations
969
Complaint records
CFPB search status is not currently available.
CRA examinations
Outstanding, exam May 22, 2023
Institution history
38 published events

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Buffalo, NY
activity
Published activity year 2025
Listed branch locations
969
Complaint records
CFPB search status is not currently available.
CRA examinations
Outstanding, exam May 22, 2023
Institution history
38 published events

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

42,493reported records

23,446reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

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activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

42,493

2025

Loan originations

23,446

2025

Denials

12,073

2025

Withdrawals

3,274

2025

Denial rate among decisioned applications

32.9%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
202542,49323,4461,12612,0733,27432.9%
202436,37720,74398611,2482,32934.1%
202332,71917,61198310,4162,07735.9%
202249,16926,4971,18311,7373,24129.8%
202155,92130,8601,1389,8374,23623.5%
202058,07225,6319439,0123,71025.3%
201944,46923,2449679,6732,05928.5%
201840,42523,6251,1179,8411,64428.5%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional36,417
FHA4,632
VA1,355
RHS / FSA89
Home purchase11,526
Home improvement13,310
Refinancing7,565
Cash-out refinancing3,078

State reporting

52 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

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CFPB Mortgage Complaint Activity

No published complaint result found

No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.

This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

View the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
Manufacturers and Traders Trust Company
Display name
Manufacturers and Traders Trust Company
Institution status
Active
FDIC insured
Yes
FDIC insured since
January 1, 1934
Established date
January 1, 1856
Charter class
State-chartered commercial bank, member of the Federal Reserve System (FRS)
Primary federal regulator
Federal Reserve Board
Headquarters
Buffalo, NY, 14203, United States
Website
https://www.mtb.com
FDIC certificate number
588
Federal Reserve
501105
Domestic location count
983
Source observed
August 5, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
FRS
Institution type
State Member Bank
Primary activity
NAICS 52211
FDIC certificate
588
Federal Reserve
501105
WWB2V0FCW3A0EE3ZJN75
Headquarters
One M&t Plaza, Buffalo, NY, 14203, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Outstanding
Exam date
May 22, 2023
Regulator
Federal Reserve
Examination method
Large Bank Exam

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
May 22, 2023OutstandingFederal ReserveLarge Bank Exam
September 7, 2020OutstandingFederal ReserveLarge Bank Exam
September 29, 2014OutstandingFederal ReserveLarge Bank Exam
July 9, 2012OutstandingFederal ReserveLarge Bank Exam
May 10, 2010OutstandingFederal ReserveLarge Bank Exam
May 12, 2008OutstandingFederal ReserveLarge Bank Exam
May 8, 2006OutstandingFederal ReserveLarge Bank Exam
June 14, 2004OutstandingFederal ReserveLarge Bank Exam
June 17, 2002OutstandingFederal ReserveLarge Bank Exam
April 3, 2000OutstandingFederal ReserveLarge Bank Exam
May 4, 1998OutstandingFederal ReserveLarge Bank Exam

Read the methodology

Formal hierarchy

FFIEC NIC hierarchy rows

133

Showing 1 through 25 of 133 relationship records

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured state-chartered member bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.

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Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

Branch network

Listed locations

969

Showing 401 through 450 of 969 listed locations

Scroll sideways to see every branch column.

Showing 401 through 450 of 969 FFIEC NIC branch locations
BranchAddressCityStatePostal code
DURHAM MAIN BRANCH70 Main StreetDurhamNH03824
EXETER CENTRAL BRANCH1 Center StreetExeterNH03833
HAMPSTEAD456 Route 111 - Village SquareHampsteadNH03841
HAMPTON WINNACUNNET BRANCH117 Winnacunnet RoadHamptonNH03842
JAFFREY BRANCH62 Peterborough StreetJaffreyNH03452
KEENE BRANCH122 West StreetKeeneNH03431
MANCHESTER ELM BRANCH1750 Elm Street - Suite 110ManchesterNH03104
SOUTH WILLOW STREET BRANCH655 South Willow Street, Suite 109ManchesterNH03103
MERRIMACK BRANCH707 Milford RoadMerrimackNH03054
MILFORD JONES BRANCH28 Jones RoadMilfordNH03055
NASHUA DW BRANCH125 Daniel Webster HighwayNashuaNH03060
PETERBOROUGH MAIN BRANCH35 Main StreetPeterboroughNH03458
PLAISTOW BRANCH76 Main StreetPlaistowNH03865
PORTSMOUTH LAFAYETTE BRANCH1555 Lafayette RoadPortsmouthNH03801
PORTSMOUTH STATE ST BRANCH325 State StreetPortsmouthNH03801
RAYMOND BRANCH55 Main StreetRaymondNH03077
ROCHESTER BRANCH110 South Main StreetRochesterNH03867
SALEM NH BRANCH401 Main StreetSalemNH03079
STRATHAM BRANCH160 Portsmouth AvenueStrathamNH03885
WOLFEBORO BRANCH15 Varney RoadWolfeboroNH03894
BAYONNE BRANCH547 BroadwayBayonneNJ07002
BAYVILLE BRANCH335 Atlantic City BoulevardBayvilleNJ08721
BAY HARBOR BRANCH55 Brick BoulevardBrickNJ08723
BRICKTOWN BRANCH731 Brick BoulevardBrickNJ08723
CHATHAM BRANCH641 Shunpike RoadChathamNJ07928
CHERRY HILL BRANCH2335 Church RoadCherry HillNJ08002
CLIFFSIDE PARK BRANCH680 Anderson Avenue #684Cliffside ParkNJ07010
CLIFTON BRANCH887 Allwood RoadCliftonNJ07012
CRESSKILL BRANCH80 Union AvenueCresskillNJ07626
DENVILLE BRANCH10 West Main StreetDenvilleNJ07834
EAST WINDSOR BRANCH370 Rt. 130East WindsorNJ08520
EMERSON OFFICE330 Kinderkamack RoadEmersonNJ07630
FLORHAM PARK BRANCH18 James StreetFlorham ParkNJ07932
LAKESIDE PLAZA BRANCH416 South Main StreetForked RiverNJ08731
FORT LEE BRANCH303 Main StreetFort LeeNJ07024
FREEHOLD BRANCH351 West Main StreetFreeholdNJ07728
GILLETTE BRANCH977 Valley RoadGilletteNJ07933
GLEN ROCK BRANCH897 Prospect StreetGlen RockNJ07452
HADDONFIELD BRANCH116 Kings Highway EastHaddonfieldNJ08033
HOBOKEN BRANCH1018 Washington StreetHobokenNJ07030
BAYVIEW BRANCH532 Ocean AvenueJersey CityNJ07305
FIFTH WARD BRANCH495 Manila AvenueJersey CityNJ07302
JERSEY CITY BRANCH2530 Kennedy BoulevardJersey CityNJ07304
SUMMIT AVENUE BRANCH587 Summit AvenueJersey CityNJ07306
KEARNY BRANCH216 Passaic AvenueKearnyNJ07032
KENDALL PARK BRANCH3562 State Route 27Kendall ParkNJ08824
SEAGULL SQUARE BRANCH1328 River AvenueLakewoodNJ08701
LIVINGSTON BRANCH232 South Livingston AvenueLivingstonNJ07039
LODI BRANCH304 Essex StreetLodiNJ07644
LYNDHURST BRANCH435 Lewandowski StreetLyndhurstNJ07071

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.

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Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

Institutional history

FFIEC NIC history events

38

Showing 1 through 25 of 38 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
October 1, 2025Charter Discontinued (Merger or Purchase & Assumption)PEOPLE'S UNITED MERCHANT SERVICES HOLDINGS, INC.
April 1, 2025Charter Discontinued (Merger or Purchase & Assumption)M&T CAPITAL AND LEASING CORPORATION
February 28, 2025Charter Discontinued (Merger or Purchase & Assumption)PEOPLE'S UNITED SUBSIDIARY HOLDINGS, INC.
April 2, 2022Charter Discontinued (Merger or Purchase & Assumption)—
September 2, 2019Charter Discontinued (Merger or Purchase & Assumption)PREMIER NATIONAL INVESTMENT COMPANY, INC.
September 2, 2019Charter Discontinued (Merger or Purchase & Assumption)M&T REAL ESTATE TRUST
November 1, 2015Charter Discontinued (Merger or Purchase & Assumption)—
July 1, 2011Sale of AssetsWILMINGTON TRUST COMPANY
May 16, 2011Sale of Assets—
May 16, 2011Sale of AssetsWILMINGTON TRUST COMPANY
November 6, 2010Failure - Government Assistance ProvidedK BANK
August 29, 2009Failure - Government Assistance ProvidedBRADFORD BANK
May 23, 2009Charter Discontinued (Merger or Purchase & Assumption)COURT SQUARE LEASING CORPORATION
May 23, 2009Charter Discontinued (Merger or Purchase & Assumption)—
April 2, 2009Charter Discontinued (Merger or Purchase & Assumption)M&T CREDIT SERVICES, LLC
December 1, 2007Charter Discontinued (Merger or Purchase & Assumption)PARTNERS TRUST MUNICIPAL BANK
December 1, 2007Charter Discontinued (Merger or Purchase & Assumption)—
January 1, 2007Charter Discontinued (Merger or Purchase & Assumption)M&T MORTGAGE CORPORATION
July 4, 2003Charter Discontinued (Merger or Purchase & Assumption)—
June 14, 2003Charter Discontinued (Merger or Purchase & Assumption)ALLFIRST TRUST COMPANY OF PENNSYLVANIA, NATIONAL ASSOCIATION
June 14, 2003Charter Discontinued (Merger or Purchase & Assumption)ALLFIRST TRUST COMPANY NATIONAL ASSOCIATION
April 1, 2003Charter Discontinued (Merger or Purchase & Assumption)—
February 10, 2001Charter Discontinued (Merger or Purchase & Assumption)—
October 7, 2000Charter Discontinued (Merger or Purchase & Assumption)—
June 1, 1999Charter Discontinued (Merger or Purchase & Assumption)—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

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Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

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