M&T Bank Payoff Request
Get an M&T Bank mortgage payoff instantly in Online Banking, by the automated line at 800-724-2224, or free by mail. M&T does not publish a payoff fax.
Last verified July 17, 2026 · Official source: mtb.com
Official request channels
M&T Online Banking (instant PDF)
Select your mortgage account → Payment → View Payoff Quote to generate an instant quote.
Automated payoff IVR
800-724-2224
Also used by authorized third-party representatives to request a quote.
Payoff mailing address
M&T Bank, c/o M&T Bank–Mortgage Payoffs, Box 69129, 1800 Washington Blvd., 8th Floor, Baltimore, MD 21230
M&T says a payoff can be created and mailed for free.
M&T Bank does not publish a payoff request fax number
M&T Bank does not publish a payoff-request fax number. Its official channels are M&T Online Banking (instant quote), its automated IVR phone line, and a mailed request — which M&T says it will create and mail for free.
What to include in your M&T Bank request
- M&T Bank mortgage account number
- Property address on the loan
- Borrower name(s) as they appear on the mortgage
- Good-through / estimated payoff date
- Return contact information for the statement
- For third parties: authorization to request as an authorized representative
Fees
M&T states a payoff request can be created and mailed for free.
Turnaround
Online Banking generates an instant PDF quote; mailed requests follow standard timing and the RESPA seven-business-day rule.
How M&T Bank payoff requests work
M&T Bank makes payoff quotes easy to self-serve. Inside M&T Online Banking, select your mortgage account, choose "Payment," and click "View Payoff Quote" on the Loan Payoff tile — M&T generates an instant PDF where you pick an estimated payoff date. For most borrowers that is the fastest possible route.
If you cannot log in, M&T’s automated IVR at 800-724-2224 will produce a quote, and it is also the line M&T directs authorized third-party representatives to use. For a mailed statement, M&T’s payoff address is c/o M&T Bank–Mortgage Payoffs, Box 69129, 1800 Washington Blvd., 8th Floor, Baltimore, MD 21230 — and M&T states a payoff can be created and mailed for free.
M&T does not publish a payoff-request fax number. Some aggregator sites list an "M&T payoff fax," but we could not confirm it on mtb.com, so we do not repeat it. Because M&T offers an instant online quote and a free mailed payoff, faxing is rarely necessary; use Online Banking or the IVR instead.
Third-party & escrow requests
M&T routes authorized third-party representatives to its IVR at 800-724-2224 to request a payoff quote. There is no published payoff fax, so title and escrow agents should use the IVR (after the borrower authorizes them) or have the borrower generate the instant PDF in Online Banking and forward it.
What a M&T Bank payoff statement includes
- Unpaid principal balance
- Interest through the estimated payoff date
- Outstanding fees, late charges, and advances
- Escrow balance treatment
- Payment / wire instructions and quote expiration
The federal 7-business-day rule
Under federal law (12 C.F.R. § 1026.36(c)(3)), servicers of closed-end consumer mortgages must generally provide an accurate payoff statement within seven business days of receiving a written request from the borrower or a person acting on the borrower’s behalf. Reasonable exceptions apply (for example, loans in bankruptcy or foreclosure), so submitting your request in writing and keeping your fax confirmation is the best way to start the clock.
M&T Bank payoff request FAQ
What is the M&T Bank mortgage payoff phone number?
M&T Bank’s automated payoff IVR is 800-724-2224. It generates payoff quotes and is also the line authorized third-party representatives use.
Does M&T Bank have a payoff request fax number?
No. M&T Bank does not publish a payoff-request fax number on its official site. Get an instant quote in M&T Online Banking, use the automated IVR at 800-724-2224, or request a free mailed payoff to the Baltimore payoff address. Ignore fax numbers listed on third-party sites.
How do I get an instant M&T payoff quote?
In M&T Online Banking, select your mortgage account, choose "Payment," and click "View Payoff Quote." Pick an estimated payoff date and M&T generates the quote as a PDF.
Does M&T charge for a payoff statement?
M&T states that a payoff request can be created and mailed for free. Any loan-level charges (such as a recording or lien-release fee) are reflected on the statement itself.
Where do I mail an M&T payoff request?
M&T Bank, c/o M&T Bank–Mortgage Payoffs, Box 69129, 1800 Washington Blvd., 8th Floor, Baltimore, MD 21230. Include your loan number, property address, and requested payoff date.
Other servicer payoff guides
XenFax is an independent online fax service and is not affiliated with, endorsed by, or acting on behalf of any mortgage servicer named on this page. Servicer names and logos are the property of their respective owners. Contact details change frequently — always confirm the fax number, phone number, and address against the official source linked on this page before sending your request.