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Hudson City Mortgage Transfer FAQs

​Get answers to frequently asked questions about the transfer of Hudson City mortgages to M&T Bank.




  • ​We will convert your mortgage account to M&T systems on December 5, 2015. All payments and correspondence regarding your mortgage should be directed to M&T after this date. Please be sure to read the information contained in the Welcome Kit that was recently mailed to you.

  • ​The good news is that very little will change for you. Your interest rate and the number of payments remaining on your mortgage will stay the same. You will have a new payment mailing address as well as a new toll-free customer service number: 1-866-462-1156.

    Your new payment mailing address is: P.O. Box 62182, Baltimore, MD 21264-2182. Please include your new M&T mortgage account number. After December, you will receive monthly statements to manage your mortgage payments.

  • ​M&T Bank was established in 1856 as Manufacturers and Traders Bank. Today, we're one of the 20 largest U.S. headquartered commercial bank holding companies. We have a strong branch presence throughout New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, DC. M&T Bank is one of the best performing regional banks in the nation today. And we continue to grow with a focus on the future. Learn more about M&T Bank.

  • ​In addition to the existing Hudson City branches which will convert to M&T Bank branches in February 2016, additional M&T Bank branches are located in NY, MD, NJ, PA, DE, CT, VA, WV and DC. Please visit our Branch & ATM Locator to find the location nearest you.

  • ​Your welcome kit contains lots of valuable information about the change to M&T Bank. Be sure to read it for complete information regarding the transfer of your mortgage. View an overview of what you can expect during the transfer period.

  • ​Your new M&T account number can be found on the welcome letter recently mailed to you. If you have misplaced your welcome letter, you can locate your new account number by using the account number lookup tool.

  • ​M&T offers a variety of Repayment Assistance solutions that may be available to you.

  • Yes, you will receive a monthly billing statement. You can expect to receive your first statement about two weeks after your loan has transferred to M&T.

    If you prefer not to receive paper statements, you can enroll online to receive free electronic statements at My Mortgage Info. If you haven't already created a User ID and password, you will need to do so by clicking on "Register User ID/Password." Once you've signed in, select the "Mortgage Statement" option.

  • M&T provides you the following options for making your mortgage loan payments:

    • Online Payments. Visit My Mortgage Info. This service will be available beginning December 11, 2015. There is no fee for this service. If you have not already created a User ID and Password, you will need to do so by clicking on "Register User ID/Password"

    NOTE: You do not need an M&T Bank/Hudson City checking or savings account to make an online payment. You can make a payment using a checking or savings account at any financial institution.

    Listed below are some of our other payment options:

    • Payments by Mail. P.O. Box 62182, Baltimore, MD 21264-2182. Be sure to include your coupon with December's payment. If you've misplaced your coupon, be sure to write your new M&T mortgage account number on your check. Payments should be made payable to M&T Bank
    • Automatic Deduction. This service will transfer from Hudson City. If you are not currently enrolled in automatic payments and would like to be, please enroll at My Mortgage Info
    • Pay-by-Phone. 1-866-241-6014 (A nominal fee may be assessed for this service)
    • Other Payment Options. Pay in person at any M&T branch or through Western Union at 1-866-241-6014
  • Yes. Hudson City will forward the payment to M&T Bank, and we will credit it to your loan. To ensure that your payment is properly applied and that you do not 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.

  • ​Yes. M&T Bank will continue to draft your payment. However, the processing of your December payment may be slightly delayed due to the transfer. Please be assured this delay will not cause your payment to be considered late. If you did not set up automatic payments at Hudson City and would like to enroll for automatic payments at M&T, go to My Mortgage Info.

  • ​Payments can draft anytime through the last day of your grace period.

  • You can change the date of the draft by visiting My Mortgage Info. If you have not already created a User ID and Password, you will need to do so by clicking on "Register User ID/Password." Once you have signed in, select the "Auto Draft Payment" option. There you can update your payment drafting date.

    You can also call our Customer Service Department at 1-866-462-1156 to request that a form be mailed to you that you will need to sign and return to us. Mail the Agreement to:

    M&T Bank
    DE MB 38 Retail Servicing
    P.O. Box 900
    Millsboro, DE 19966-4508
    Attn: ACH Department

  • ​As the new servicer of your mortgage, we want to be sure that there are sufficient funds in your escrow account to cover any upcoming payments, such as property taxes and homeowner's insurance payments. Our review will show whether or not there is enough money in your escrow account for upcoming payments. In some cases, the balance in an escrow account will be adjusted up or down, which may change your monthly mortgage payment.

  • ​Normally, we review escrow payments once a year at the same time. Your account will be adjusted again as part of the annual review and then every 12 months thereafter.

  • ​Your mortgage payment may have increased due to an increase in your taxes and/or insurance bills. The escrow portion of your payment is based on the last tax and/or insurance payment made from your escrow account prior to your analysis.

  • ​If you had an escrow account with Hudson City 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 account, and the bill is not paid prior to transfer, M&T will pay the tax bill.

  • Yes, please contact your insurance agent to update the mortgagee clause in your homeowner's insurance policy – including flood and wind insurance if you have it – to the following:

    M&T Bank
    ISAOA loan # (your new M&T account number here)
    PO BOX 5738
    Springfield, OH 45501-5738

    To update our records, please provide a certificate of insurance or declarations page by faxing it to 937-525-4125 or mail a copy to the address above.

  • ​An escrow shortage occurs when the funds in your escrow account at the time it is analyzed are less than what is needed to pay future tax and/or insurance payments.

  • Your escrow shortage is being collected over 12 months and is included in the escrow portion of your payment. If you prefer to pay your shortage in full, you can mail your payment using the coupon provided to the following address:

    M&T Bank
    Attn: Escrow Department
    PO Box 64787
    Baltimore, MD 21264-4787

    You can also pay this online at My Mortgage Info. Choose the "Make Your Payment" option. You can change the number of payments to 0 to make an escrow-only payment.

  • Please mail your insurance bill to:
    M&T Bank
    PO Box 5738
    Springfield, OH 45501

    If your bill is due in fewer than 30 days, please have your insurance agent contact us today at 1-888-882-1847.

  • While most bills are paid electronically, you can mail your tax bill to:
    M&T Bank
    P.O. Box 23628
    Rochester, NY 14692

    Pennsylvania customers should mail their tax bills to:
    M&T Bank
    P.O. Box 961241
    Fort Worth, TX 76161-0241

  • ​Since M&T Bank pays most tax bills using electronic information, please 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 2016, we will send you a mortgage interest statement for IRS reporting that will include all activity for 2015. You will not receive a separate notice from Hudson City.

  • Please send in a copy of your orders to report for active duty to:

    M&T Bank
    Attention: SCRA Servicing
    P.O. Box 900
    Millsboro, DE 19966

  • ​Yes, please enroll online at My Mortgage Info to access various account information including your current loan balance, payment amount breakdown and details on your escrow items (if applicable). If you have not already created a User ID and password, you will need to do so by clicking on "Register User ID/Password." Once you have signed in, select the "Current Mortgage Info" option to review your mortgage account information.

  • If you have submitted an application, but haven't been approved, or you have not accepted, M&T will complete the review of your application.

    If you were offered a modification and have accepted, or are currently on/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.



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