When M&T Bank conducts a credit check for your mortgage application, there's
no up-front charge for accessing the information. Knowing your credit score is an
important part of getting you pre-approved.
Once we've pre-approved you and determined how much you can afford, it's
your choice to move forward with us and complete the loan. If you do, we'll charge
you the cost of the credit report as part of your total closing costs. If you don't,
we won't charge you anything!