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Refinance your home while the cookies bake.

We've made refinancing your mortgage quick and easy.

The application process is in your hands, literally. 

Your home is personal, and so is your refinance.

M&T’s refinance wizard calculates personalized mortgage rates, product options, and estimated payments. Because one size doesn’t fit all.

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Protection is our top priority, always.

Connect to your bank accounts, tax records and more throughout the application process knowing your information is private and protected.


Only 15 minutes to apply online.

Submit your refinance application on your phone, tablet or computer to get the answers you need, in just minutes. Available online 24 hours a day, 7 days a week.

Mortgages made easy

Get home faster with M&T Mortgages

At M&T Bank we understand all the decisions you need to consider when buying a home. Choosing the right loan shouldn’t be a difficult one. See how our process helps you get home faster.

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Resources & Insights

Mortgage Refinancing: Hidden Opportunity

These challenging economic times may come with a hidden opportunity: The current economic downturn prompted an unprecedented response from the Federal Reserve, which resulted in lower mortgage rates. Learn more about mortgage refinancing and its potential benefits.
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Resources & Insights

Online Mortgage Applications Simplify Buying or Refinancing

Online mortgage applications streamline the process and add greater transparency in a surprisingly simple format, whether you’re a first-time homebuyer, leveling up, refinancing or extracting equity.
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Resources & Insights

A More Convenient Mortgage Application

Online mortgage applications transform the mortgage pre-approval process from complex and cumbersome to simple and convenient.
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Resources & Insights

3 Reasons to Consider a Mortgage Refinance

Here are three ways refinancing a mortgage could have an immediate impact on your financial situation.
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Feel at home with M&T

"I am completely satisfied with this refinance with M&T Bank. I have already suggested to a friend that he contact M&T Bank for his possible refinance. We had no problems with this procedure and were very impressed with our loan officer's professionalism and the speed and ease off the entire process."

Tien D.
Beaverton, OR
Top 10 SBA Lender Nationally
Forbes 2020 Best Banks in America 5 years in a row

According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the federal fiscal year ending 9/30/2020.
Based on Greenwich Associates 2020 Small Business Banking Excellence Awards.

According to statistics released by the Small Business Administration (SBA) for total approved loans through the SBA’s 7(a) lending program during the fiscal year ending 9/30/19.

Equal Housing Lender. ©2021 M&T Bank. Member FDIC. All rights reserved. NMLS# 381076. Speak with our loan experts: 1-800-294-0824.