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Last Updated: 04/18/2025

M&T Bank Mortgage Loan

from M&T Bank

Last Updated: 04/18/2025

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Highlights

Credit Score Range

Starting at 740

Amount Range

Up to $1,000,000

Loan Term (Years)

15 - 30

M&T Bank Mortgage Loan Review

M&T Bank Mortgage Loan is offered by M&T Bank , a bank founded in 1856 and based in Buffalo, NY. M&T Bank Mortgage are available in 50 states and Washington, DC.

Key Takeaways

Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
No primary residences considered. M&T Bank Mortgage Loan does not offer financing for primary homes.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Very good credit required. You'll need a credit score of at least 740 to qualify.

M&T Bank Mortgage Loan Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Only considers applicants with good credit.
Charges prepayment fees.
No co-sign option available.

M&T Bank Mortgage FAQ

How much can you borrow via M&T Bank?

M&T Bank Mortgage allows borrowers to apply for loan amounts of up to $1,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the maximum loan term you can get with M&T Bank Mortgage?

M&T Bank Mortgage offers mortgages with terms ranging from 15 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does M&T Bank offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

Yes, M&T Bank Mortgage may charge a loan origination fee .

What is the customer service phone number?

The customer service number for M&T Bank Mortgage Loan is (800) 724-2440.

What is the support contact email?

The support contact email for is ir@mtb.com .

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Contact

Headquarters

One M & T Plaza

Buffalo, NY 14203

(800) 724-2440

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 4:00PM

Tuesday

9:00AM - 4:00PM

Wednesday

9:00AM - 4:00PM

Thursday

9:00AM - 4:00PM

Friday

9:00AM - 4:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

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-1000+100

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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.