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Do yourself a favor and do not consider M&T BAnk for anything, especially refinancing. They act like they are going to get you the best deal, use an unqualified appraiser who grossly under-appraises your property so your value to loan ratio is so high and they can charge you thousands more. Nice scam for the bank, huh?

Good luck!


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N  1st of Feb, 2009 by 
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Thanks for this information. We are planning to refinance but will not consider M&T. These banks should be put out of business for taking advantage of consumers in this economy.
N  1st of Feb, 2009 by 
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I heard something similar about M and T / M&T loan officers in VA and MD. A friend of mine said he was going to close all his checking accounts if they changed his costs as his mortgage contact has said some things the he believes are unethical. Of course, he wants to close, if possible at what they promised. I wish all consumers would provide their experiences re these unethical banks. It would make it easier on people who only want to survive in this economy.
A  14th of Jun, 2009 by 
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Specifically the loan officers at M&T bank are not scruntized per say their educational background nor their credit/criminal background check. They can put a facade of professionalism, but on hindsight they know enough to take advantage of the person that is literally not qualified for a home mortage. The 'sub-prime' is still prominent, especially for low-income consumers. The local M&T bank in Elbridge, NY has one loan officer that knows how to seduce her clients/costumers, by pass all the fine print and then sneaks in extra points without their acknowledgement. Not only that is unethical...it is predatory lending.

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M&T Bank Corporation Logo M&T Bank Corporation
Customer Service
P.O. Box 844
New York
United States - 14240-0844
+1 800 724 2440
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