M&T Bank's Terms of Use

Equal Housing Lender. M&T Bank - NMLS #381076

©2024 M&T Bank. Member FDIC. All rights reserved.

Use these links to view M&T Bank's security protocols, terms of use and privacy policy:

Security | Terms of Use | Privacy

The term "application," as it is used in this online tool, refers to your submission of an inquiry to have M&T Bank contact you to discuss a mortgage loan or preapproval. The information you voluntarily supply will be used to evaluate your inquiry when speaking to an M&T Bank representative.

M&T Bank will not process your inquiry until telephonic contact occurs between you and an M&T Bank Loan Officer, where you must indicate which service you are requesting – Mortgage Application or Preapproval Request. Preapproval requests will only be accepted and considered for purchase transactions. If we cannot reach you within two calendar weeks from the date of your inquiry submission, your inquiry will be archived.

Mortgage Applications:

M&T Bank will only accept and consider a Mortgage Application for a mortgage loan at such time that a valid purchase contract is obtained, or in the case of a mortgage refinance request, we have obtained an estimate of your property’s value.

Our consideration for approval of your Mortgage Application will include verification of the information obtained in connection with your request, including but not limited to income, employment, asset, property value, and/or credit information. Our loan programs are subject to change or discontinuation at any time without notice. Not all products are available in all states. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense. Interest rates are subject to change without notice. This information is being provided for informational purposes only and is neither a loan commitment nor a guarantee of any interest rate. It is a crime to intentionally falsify information on this Mortgage Application.

Mortgage Preapprovals:

All pre-approval requests are considered based on the information you voluntarily provide and the credit information we obtain with your permission. If a pre-approval letter is subsequently issued, it is neither a loan commitment nor a guarantee of any interest rate. Our loan programs are subject to change or discontinuance at any time without notice.

M&T Bank's Consent to Contact

By submitting your contact information, you expressly consent to have M&T Bank contact you about your inquiry by text message or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. Consent is not required as a condition to utilize M&T Bank's services, and you may choose to be contacted by an individual customer care representative(s) by calling 1-888-253-0799.

Notice and Agreement Regarding Consent to Use Electronic Signatures and Records

If you have consented to use electronic signatures and receive documents electronically in connection with your use of this platform:

You have the right to receive a paper version of your Documents, even if you have provided eConsent and we deliver the Documents electronically. If you want a paper version of the Documents provided by M&T Bank, contact M&T Bank at the Mortgage Solution Center at 1-855-544-0548 or mtgsolutioncenter@mtb.com.
You have the right to withdraw your eConsent at any time and instead receive a paper version of your Documents. If you decide to withdraw your eConsent as it relates to your financial institution or its affiliates, contact M&T Bank at the Mortgage Solution Center at 1-855-544-0548 or mtgsolutioncenter@mtb.com.
You are responsible for ensuring that we always have your valid and current email address, even if you have provided eConsent, and we deliver your Documents electronically through the Platform. To update your email address or other contact information, contact M&T Bank at the Mortgage Solution Center at 1-855-544-0548 or mtgsolutioncenter@mtb.com.

M&T Bank is authorized to obtain your credit report.

For Both PreApproval Requests and Mortgage Applications:

I provided my full authorization as well as my name, current address, social security number, and date of birth to M&T Bank to obtain a credit report on me from a credit reporting agency.

I understand and authorize M&T Bank to provide my credit report to any affiliate or investor of M&T Bank for their review.
I understand that I can obtain this report from a credit reporting agency in accordance with the Fair Credit Reporting Act.
I understand that if I have any questions, disputes, or comments about the information on my credit report, I must contact the credit reporting agency to address these issues.
This authorization is not an application for credit, nor is it a request to M&T Bank to consider an application from me for credit.
I understand that if I ask, M&T Bank will tell me if my credit report was obtained and, if so, the name and address of the credit reporting agency furnishing the report. (NY Gen Bus Law Sec 380-b(b))
Pursuant to Federal regulations, I cannot be required to provide M&T Bank with documentation to verify the information I have given until M&T Bank provides me with up-front Federal disclosures. If applicable, I have voluntarily chosen to provide M&T Bank with documentation.

For Mortgage Applications Only

I acknowledge that during the loan process, M&T Bank will continually monitor my credit activity and may pull a new credit report prior to closing. If M&T Bank is notified of a new credit inquiry or a new credit obligation, this new borrowing activity may have an impact on my loan approval, as the new obligations may represent a change in my mortgage loan qualification.
Throughout the loan process, I understand I must fully explain any new credit inquiries disclosed to M&T Bank through its monitoring activities. If a new credit inquiry results in a new credit obligation, I must continue to qualify under normal M&T Bank guidelines, including these new obligations. To the extent that the updated documentation reveals additional liabilities or deterioration of credit quality, M&T Bank will be under no obligation to honor any loan commitment under the existing terms and conditions or extend any loan commitment under any counter-offered terms.
I authorize and agree that M&T Bank may, at any time, obtain credit reports or any other information it feels is necessary in connection with my application or any audit, review, update, quality control, renewal, extension, or collection of any credit extended as a result of my application.