Get answers to your questions about the transfer of your United Wholesale mortgage to M&T Bank.
Your mortgage will transfer April 4, 2023. Please refer to the Welcome Kit that was mailed to you for complete details. All payments and correspondence regarding your mortgage should be directed to M&T after this date.
You will have a new payment mailing address, as well as a new toll-free customer service number:
Your new payment mailing address is:
M&T Bank
P.O. Box 62182
Baltimore, MD 21264-2182.
Be sure to include your coupon with your payment. If you’ve misplaced your coupon, write your new M&T mortgage account number, which can be found in your Welcome Kit, on your check.
Your new toll-free customer service number is:
Prior to April 4, 2023 please call 1-888-464-2432
Monday – Thursday 7:00am to 8:00pm CT
Friday 7:00am to 7:00pm CT
Saturday 8:00am – 12:00pm CT
Beginning April 4, 2023 please call 1-866-462-1156
Monday -Friday, 8:30am to 9:00 pm ET
M&T Bank was established in 1856 as Manufacturers and Traders Bank. We are a community-focused bank that provides banking, insurance, investments, mortgage and commercial financial services. The combined company employs more than 22,000 people and has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C.
Your Welcome Kit contains valuable information about the change. Be sure to read it for complete information about the transfer of the servicing of your mortgage and what you can expect during the transfer period.
Your new M&T account number can be found in the Welcome Kit that was mailed to you.
Yes, you will receive a monthly billing statement. You can expect to receive your first statement in April.
If you prefer to receive electronic statements rather than paper statements, you can enroll online at M&T Online Banking.
M&T provides the following options for making your mortgage loan payments. There are no fees for these services and you do not need an M&T Bank checking or savings account to make payments:
Monthly automatic payment enrollment will be available after April 10, 2023
Payments should be directed to:
M&T Bank
P.O. Box 62182
Baltimore, MD 21264-2182
Be sure to include your coupon with your first payment to M&T. If you’ve misplaced your coupon, write your new M&T mortgage account number on your check. Payments should be made payable to "M&T Bank".
Yes. United Wholesale will forward the payment to M&T Bank and we will credit it to your account. However, please note that after May 31, 2023 payments will no longer be forwarded. To ensure that your payment is properly applied and that you don’t incur a late fee, please begin mailing your payments to:
M&T Bank
P.O. Box 62182
Baltimore, MD 21264-2182
Payments should be made payable to M&T Bank.
M&T Bank offers two automatic payment options:
Monthly automatic payment enrollment will be available after April 10, 2023
Payments can be scheduled at any time as long as it is on or before the last day of your grace period.
Yes, please ask your insurance carrier to change the mortgagee clause to:
M&T Bank
ISAOA loan # (new M&T loan number)
PO BOX 5738
Springfield, OH 45501-5738
Normally, we review escrow payments once a year at the same time. Your payment may be adjusted as part of the annual review.
Please see the most recent escrow analysis you received from United Wholesale for details.
If you had an escrow account with United Wholesale to pay your taxes and insurance, M&T Bank will continue to pay taxes and insurance on your behalf. We can assure you that the payment of property insurance and/or taxes will not be interrupted as a result of the transfer. If your insurance or taxes are paid from your escrow/impound account, and the bill is not paid prior to transfer, M&T will pay the tax bill from your escrow account.
While most bills are paid electronically, you can mail your tax bill to:
M&T Bank
P.O. Box 23628
Rochester, NY 14692
Since M&T Bank pays most tax bills using electronic information, you should contact your local tax office for a copy of your tax bill.
Please call our Tax Department at 1-866-406-0949 and provide the information to one of our representatives. They will document the necessary information so the bill can be paid as soon as possible.
In January, you will receive two mortgage interest statements. One from M&T for activity during the period of time that M&T serviced your mortgage, and another from your prior servicer. You will need to include both mortgage activity statements when you file your tax return.
Please send in a copy of your orders to report for active duty to:
M&T Bank
Attention: SCRA Servicing
PO Box 900
Millsboro, DE 19966
See how to enroll in M&T Online Banking - View our Access My Mortgage Info Demo
If you have submitted an application for loss mitigation assistance, M&T will review your submission. Please be advised that M&T may request additional documents to complete the review of your application.
If you have submitted a complete loss mitigation application, but have not yet been approved, M&T will complete the loss mitigation review and send you the determination.
If you were offered a modification and have accepted, or are currently making trial payments, M&T will honor the agreement you entered into with the prior servicer.
If your account was modified prior to the transfer and all system changes were completed, the modification and terms will remain in effect.
Please visit us online at Mortgage Assistance Programs for additional information on solutions that may be available to you.