Manufacturers and Traders Trust in Pennsylvania vs the state
27.3%Denial rate+9.04 pts vs state
28.9%Decision denial rate+6.73 pts vs state
64.2%Origination rate+3.20 pts vs state
5.99%Median rate-0.63 pts vs state
-1.20Rate spread (pts)-1.44 pts vs state
$82kMedian applicant income
3,099Loans originated
1,320Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,066 | 2,560 | 28.3% | 7.62% | #18 |
| 2024 | 4,463 | 2,822 | 28.5% | 8.59% | #16 |
| 2025 | 4,830 | 3,099 | 27.3% | 5.99% | #17 |
What Manufacturers and Traders Trust lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 865 | 607 | 193 | 22.3% |
| Luzerne County | 386 | 261 | 94 | 24.4% |
| Berks County | 344 | 226 | 93 | 27.0% |
| Franklin County | 303 | 234 | 50 | 16.5% |
| Schuylkill County | 234 | 132 | 78 | 33.3% |
| Lancaster County | 207 | 135 | 54 | 26.1% |
| Dauphin County | 203 | 119 | 67 | 33.0% |
| Cumberland County | 171 | 125 | 37 | 21.6% |
| Blair County | 155 | 98 | 42 | 27.1% |
| Philadelphia County | 148 | 65 | 65 | 43.9% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 4,830 applications in 2025, of which 3,099 were originated and 1,320 denied.
27.3% of all applications, or 28.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Manufacturers and Traders Trust originated in Pennsylvania in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Manufacturers and Traders Trust's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology