Established in 1856 in the Western portion of the state of New York, M&T Bank has grown to be a very successful company. Situated in Buffalo, the bank is home to over 800 branches across the country. The business offers consumers mortgages, loans, and banking services. The company also provides insurance and investment services. M&T offers fixed rate and adjustable rate mortgages. M&T Bank Corp mortgage rates are competitive, so you can obtain a low rate.

Current M&T Bank Corp Mortgage Rates

You can view the current mortgage rates on the Zillow website, a comparison tool for mortgage rates from different banks, or on M&T Bank Corp’s help center web page.  You will want to get the lowest rate possible, so you can save money.

Type of Mortgage Rate Interest Rate APR (Annual Percentage Rate) Estimated Monthly Payment
30-year fixed 4.375% 4.44% $830.16
20-year fixed 4.246% 4.125% $1006
15-year fixed 3.375% 3.546% $1182.80
5/1 ARM 3.625% 3.933% $947.12
7/1 ARM 3.625% 3.893% $942.53
3/1 ARM 4.00% 4.064% $962.22

*** Interest rates can fluctuate without any notice, so to obtain the most current rates, check the website.

Bonus readM&T Bank Corp Mortgage Account Login

M&T Bank Corp mortgage rates – Additional Information

M&T offers adjustable rate mortgages and fixed rate mortgages. Adjustable mortgage rates are usually lower at the beginning of the loan. However, after the initial term, the rate will change depending on the market rate trends. If you do not plan to stay in your home long-term, this might be a good option.

Fixed mortgage rates stay constant throughout the life of the loan. You will always know what your monthly payment amount will be, so it is easier to budget. If you plan to stay in your home long-term, this is probably the better choice.

With 15-year mortgage rates, the payment amount will be higher; however, you can pay off your loan sooner. This mortgage normally carries a slightly lower interest rate. You will save money by choosing a 15-year mortgage.

30-year mortgage rates have lower payment amounts than a 15-year loan; however, the interest is normally a little higher. Throughout the life of the loan, you will be paying more with a 30-year mortgage. You also have the option to choose a 20-year mortgage rate.

If you want to finance a larger purchase, jumbo mortgage rates are available. M&T provides jumbo loans of up to 2 million. They take longer, and the requirements are very strict, but the company will work with you to try to meet your needs.

To obtain a lower interest rate, you can also take advantage of purchasing mortgage rates, so you can buy mortgage points that will lower your rate. To help you determine your home mortgage rates, you need to use a mortgage rate calculator, which can be found on Zillow’s website.


M&T Bank Corp mortgage rates can allow you the dream of owning a new home. If you have any questions, you can contact the company on their online contact page. The business makes the mortgage process as quick and easy as possible. You can apply online, and a mortgage officer can assist you. You will be required to present the necessary paperwork and have an appraisal done on the home. When an underwriter approves your loan, you can sign the paperwork and close the deal.