About Us
M&T Bank, N.A. is a regional commercial and retail banking institution headquartered in Buffalo, New York, serving customers across the northeastern United States from Maine to Virginia and the District of Columbia. It provides a full range of financial services, including deposit products, commercial lending, treasury management, and real estate financing for individuals, businesses, and institutional clients. M&T operates branch and digital banking networks alongside specialized commercial finance platforms.
Within its commercial real estate and community development lending teams, M&T offers financing solutions for multifamily, affordable, and workforce housing projects, including loans, tax-exempt bonds, and structured capital. The bank has established an affordable housing lending vertical to support developers and partners with capital for acquisition, construction, rehabilitation, and preservation of income-restricted rental housing.
M&T also participates in community development initiatives under the Community Reinvestment Act, making investments and loans that expand access to affordable housing and economic opportunity in the markets it serves.