Mortgage Payoff Frequently Asked Questions

Get answers to your questions about paying off your mortgage.


  1. Log into Online Banking, select the mortgage account you want to request the payoff quote for and proceed to the My Mortgage Info. 
  2. On the mortgage landing page, select ‘Payment’ from the top row of pages. 
  3. On the payment page, click on the ‘View Payoff Quote’ action button of the Loan Payoff tile to open a pop-up window that lets you select an estimated payoff date, reason for request and then generate a quote instantly. The quote will be downloadable as a .PDF file.

Over the phone

To get a quote via phone or you’re an authorized third-party, please call our IVR 1-800-724-2224

A payoff request can be created and mailed for free. Charges may apply for faxing, expedited delivery, or multiple payoff requests.

Please include the following wire payoff instructions:

  • M&T Bank (MFRSBUF) Routing Number: 022000046
  • Credit Account Number: 3085802684050

Wire payment detail must include the following

  • M&T Mortgage Account Number
  • Mortgager Name
  • Property Address.

Wires must be received no later than 3:00PM EST to be processed the same day.

The lien release will be prepared by M&T and submitted to the county for recording following receipt and verification of payoff funds.

Mortgage payoff funds should be mailed to the following address:

M&T Bank c/o M & T Bank-Mortgage Payoffs
Box 69129
1800 Washington Blvd., 8th Floor
Baltimore, MD 21230

Certified or Attorney Escrow Checks are also accepted for payoff.  Funds should be made payable to M&T Bank.  Please include the mortgage account number on all correspondence, including the payoff check

Yes. M&T will continue to make scheduled tax and insurance payments on escrowed accounts until the date M&T receives your payoff funds, unless we are instructed otherwise.

Following the receipt and posting of the payoff funds to the loan, you will be responsible for making all tax and insurance payments.

Yes. The ACH automatic payment arrangement you have with M&T will automatically be canceled when the loan pays in full.

One last payment may draft if payoff funds are received within the 3 business days prior to the scheduled ACH payment.  An ACH payment received after the payoff will be refunded to you.

No. You are responsible for contacting your 3rd party bill payment servicer to  cancel the payments.


The M&T servicing team is happy to assist you.

Contact us if you have questions about your
existing M&T mortgage.