M&T Bank Logo
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LAST UPDATED: December 6th, 2022

M&T Bank is a full-service bank offering personal and business banking solutions. The bank was founded in 1856 and has a long history of community-focused banking. 

In addition to its traditional banking services, such as checking and savings accounts, M&T offers mortgages for financing a home purchase or refinancing a home. You can easily get a personalized rate and the bank includes daily updated rates on its website.

Learn more about the bank’s mortgage options below, or jump down to read M&T Bank mortgage reviews.

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The Good

  • Variety of Loan Types
  • Current Mortgage Rates
  • Mortgage Assistance Programs
  • 24/7 Service
  • Online Mortgage Management

Variety of Loan Types

M&T offers basic loan options, including the following:

  • Conventional Loan
  • Adjustable Rate Mortgage (ARM) Loan
  • FHA Loan
  • VA Loan
  • Jumbo Loan

Most mortgage lenders offer these loan types, but some lenders offer more specialized loans that can be tailored to specific needs or financial circumstances.

Current Mortgage Rates

M&T lists daily updated mortgage rates on its website, a unique feature that not many other lenders provide. This can help you more easily compare mortgage lenders, but also make some estimates for what your monthly payment might be moving forward.

If you’d like a personalized rate quote, you can easily get one through the M&T website, or you can quickly complete the pre-qualification process which can give you more insight into how much house you can afford and what your payments may look like in the future.

Mortgage Assistance Programs

M&T provides various mortgage assistance options if you fall upon financial hardship or need other assistance with your mortgage and subsequent payments. M&T provides some of the following options:

  • Repayment plan — An option to help you keep your home. Your past due payments and fees will be spread over a predefined period of time and will be paid back as part of your ongoing monthly payments. 
  • Forbearance plan — An option to help you keep your home. Your payments will be temporarily paused over a period of time.
  • Loan modification — An option to help you keep your home. Your mortgage is permanently restructured to bring your account current. This can include reducing your interest rate or extending your loan term.
  • Short sale — An option to sell or transfer your home. Sell your home at fair market value for less than what is due on your mortgage.
  • Deed in lieu — An option to sell or transfer your home. Your home will be voluntarily transferred to M&T Bank.

Your eligibility for each of these assistance options will depend on your financial situation. A M&T Bank representative will work with you to determine what option will best meet your needs.

24/7 Service

You can apply for a mortgage online within or outside of business hours, and M&T will be there to help you whenever you need it.

Online Mortgage Management

As a M&T mortgage customer, you will have access to an online portal, through which you can view and manage your mortgage, and make payments.


The Bad

  • Limited Branch Locations

Limited Branch Locations

If you would prefer to visit a M&T Bank branch at any point, it is important to note that the bank only has branches in certain locations in the mid-atlantic states and Florida.


The Bottom Line

M&T Bank is a full-service bank that also offers mortgage solutions. It offers basic loan options, including government-insured loans (FHA and VA).

One advantage of M&T is that it lists daily mortgage rates on its website, allowing you to more easily compare mortgage options and how much your monthly payments could be. In addition, you can quickly get a personalized rate quote and/or pre-qualified for a M&T mortgage.

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Star Rating

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9 Reviews

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Review Source

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Miss Jen Bandera, TX

When my previous lender sold the loan to this lender, it created a terrible mess. After several months and many problems, I finally discovered the issues. Although M&T did nothing to cause the problems, they were tasked with resolving it. Each department had excellent customer service and went above and beyond my expectations. Once the issues were resolved everything was smooth sailing. One month I accidentally paid them twice and they were more willing to help refund my money than the bank who sent the payment twice. They may not have been my original lender, but I am much happier with M&T.

1 year ago


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Michelle Crane Phoenix, AZ

My favorite part about m&t bank was their website. When we were looking to purchase our first home we used the website and I liked that everything was a step by step process. The explanations for each step were clear and easy to understand which helped me not to feel as stressed with the process of buying a home.

1 year ago Edited April 14, 2022


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Lindsey B Orem, UT

We had a home loan that ended up being sold to M&T Bank. We had a few issues during the transition but after things were settled we were very happy with the product. The transition was the only reason I gave them 4 stars instead of 5. Customer Service was wonderful in the process.

5 years ago


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Amber Saratoga Springs, UT

We got our original mortgage through M&T bank. The Brokers in their SLC office were wonderful to work with. They were fast flexible and very knowledgeable.

5 years ago

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Presently Satisfied Customer. Houston, TX

My reasons are basically personal, but I will say it's deals with the amount of my mortgage or the rising amount of it.

6 years ago

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Anonymous Clarks Summit, PA

M & T failed to pay our taxes on time one year and we had to pay the penalty, because of their inattention. Their customer service reps were courteous.

6 years ago

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Jeanne Las Vegas, NV

They are not a company that I would pick to do a mortgage. Our mortgage was sold twice and we ended up with these peopls

3 years ago

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They really look for ways to save me money.

6 years ago


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Julia UP Southbury, CT

My experience wasn’t so great, service wasn’t good for their customer

2 years ago