​About M&T Bank

​M&T Bank is a super-regional bank headquartered in Buffalo, NY with more that $200 Billion in assets.  M&T Bank’s Warehouse Lending Division is located in Louisville, KY and operates on a national basis.  Middle-market, independent mortgage bankers are the focus of the group’s sales and marketing efforts. At the top of the origination cycle, the group provided over $5 Billion in warehouse lines to 80  customers.  The warehouse lending unit is staffed by a seasoned team of individuals with many years of experience in the business.  M&T Bank views the warehouse lending relationship as a long-term partnership between the bank and its mortgage banking customers.  The bank is committed to the warehouse business and is well positioned to support our customers growth while providing the highest quality service.

M&T Bank offers TMC Members:

• Opportunity to invest corporate cash to pay down warehouse borrowings and reduce interest expense
• Treasury management, GNMA document custody services & security settlement services
• Discounts on warehouse utilization

Endorsements from the Network:
"We have worked with People’s United Bank’s (now M&T Bank) Warehouse Lending Team for many years.  They are always responsive and helpful with ideas to grow our business.  We have recently started using them for our Ginnie certifications and it has been amazing.  The excellent service and high level of communication has been so good it has changed our execution for the better."
-Philip DeFronzo, President, Norcom Mortgage

"We have worked with the Mike and the team at M&T Bank for many years. They have been a great partner who have helped us grow our business over time. They have always been responsive to our needs and insightful with their ideas which has helped us to compete in both challenging and changing markets. Their excellent service and long-term commitment to the mortgage warehouse space has been an asset to our company."
-Mark Young, President, American Federal Mortgage Corp.

"We have worked with People’s United Bank’s (now M&T Bank) Warehouse Lending Team since 2016.  However we have known one another and worked together for many years. They are always helpful and responsive to all of our needs.  They provide excellent service and are extremely communicative.  We are happy to partner with and endorse the Warehouse Lending team at People's United Bank (now M&T Bank).  Their experienced team has earned our trust over the years.  I highly recommend them as a trusted partner."
-Steven A. Milner, Founder and CEO, US Mortgage Corporation

Questions? 
​Please contact:
​

• Paul Best, CMB - Senior Vice President
  
• ​Jerry Johnston - Senior Vice President
  
• ​Charles Ezell - Senior Vice President​
  
• Mary Jo Reiss, CMB - Senior Vice President
  
• Mike Heino, CMB - Senior Vice President