Why Finance With M&T?

Buying or refinancing a home, purchasing a car, or funding an education – these are big goals. We want to help you reach them with loan options and lending experience you can count on.

We understand what's important.

No matter what type of loan you're looking for, you deserve competitive rates and personalized service from start to finish. At M&T, we offer all of that and more. Access the depth of resources a large regional bank can offer with the one-on-one service of a community bank.

Find out how we can help you get the financing you need to achieve your goals.

Lending Solutions for All of Life’s Stages

As you reach different milestones in your life, we're here to help you find ways to manage your finances and make financial decisions that make sense for you. Together, we can evaluate the borrowing options that fit your needs and your budget. 

  • Mortgages. Ready to buy a home? We'll help you find the home mortgage that's right for you
  • First Time Homebuyer Programs. Are you a first time homebuyer? Find out about our flexible program features like low down payments, low closing costs, down payment assistance and more
  • Refinancing & Home Equity Solutions. Looking to make improvements to a new home or the home you're in? Talk to us about refinancing, or discover how fast and easy it is to apply for our home equity line of credit
  • Education Financing Options. Investing in education for yourself or your child is a smart step. We're ready to help you bridge the gap with additional options when federal student aid isn't enough
  • Auto & Other Personal Loans. If you're ready to buy a new carget that boat, RV or motorcycle you've been dreaming of, or access extra cash, we offer competitive rates and terms

Personalized Service from an Experienced Team

Relationships are built on trust – and trust is earned. At M&T, we listen carefully to our customers. We put your goals first, taking the time to understand your short- and long-term objectives.

You can be confident that we understand the value of personal service. Whether you contact us by phone, online or locally at your nearest branch, you'll speak with a knowledgeable professional who will recommend solutions that work for you.

During our first conversation, and in every conversation long after your account is opened, we're ready to help. We want to be the bank you turn to because we're the bank you trust.

A Straightforward Loan Application & Approval Process

We're here to walk you through every stage of the mortgage loan process. And when it comes to personal loans, we understand the importance of getting flexible terms and fast access to your funds.

Managing Your Mortgage

Access all of the information about your existing M&T Bank mortgage online, anytime, with M&T's My Mortgage Info.

All lending products are subject to credit and property approval. This is not a commitment to make a mortgage loan. Products are not available in all states. Certain conditions and restrictions apply. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense compared with your current situation. NMLS #381076.