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Cenlar FAQs

​Get answers to your questions about the transfer of your Cenlar mortgage to M&T Bank.

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  • ​M&T Bank was established in 1856 as Manufacturers and Traders Bank. Today, we are a community-focused bank that provides banking, insurance, investments, mortgage and commercial financial services. As one of the 20 largest commercial bank holding companies in the United States, we continue to grow with a focus on the future. Learn more about M&T Bank.

  • ​The servicing of your loan can be sold at any time. When M&T begins servicing your mortgage, we are required to service it in accordance with your loan documents.

  • ​M&T Bank will become the servicer of your mortgage on March 2, 2017. 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 mailed to you.

  • ​The good news is that very little will change. 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.  Please allow sufficient mailing time to ensure your payments are received by the 16th of the month. Any mortgage payment received after the 16th of the month is considered late and a fee will be charged.

    Your new payment mailing address is P.O. Box 62182, Baltimore, MD 21264-2182. Be sure to include your coupon with your payment.  If you’ve misplaced your coupon, write your new M&T mortgage account number, which can be found on your Welcome Letter, on your check. If you have misplaced your Welcome Letter, you can locate your new account number using the account lookup tool.

  • ​Since M&T Bank pays most tax bills using electronic information, you should 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 2018, you will receive two mortgage interest statements. One from M&T for activity during the period of time in 2017 that M&T serviced your mortgage, and another from Cenlar. You will need to include both mortgage activity statements when you file your 2017 return. 

  • ​As the new servicer of your mortgage, we will review your escrow account to be sure that there are sufficient funds in your account to cover any upcoming payments we are responsible for, such as property taxes and homeowner’s insurance payments. In some cases, the balance in an escrow account will be adjusted up or down based on the tax and insurance information that we have, which may change your monthly mortgage payment.

  • ​Normally, we review escrow payments once a year at the same time. Your account may 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 Cenlar 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/impound account, and the bill is not paid prior to transfer, M&T will pay the tax bill.

  • ​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, Maryland 21264-4787

    You can also pay this online at onlinebanking.mtb.com. Then choose the “Make Your Payment” option. You can change the number of payments to 0 to make an escrow only payment. Or call us at 1-866-462-1156.

  • Please mail your insurance bill to:
    M&T Bank
    PO Box 5738
    Springfield, Ohio 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
    PO Box 961241
    Fort Worth, Texas 76161-9839

  • ​M&T Bank has more than 800 branches located in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia and Washington, DC. We also have 1,600 ATMs and a variety of online and mobile banking services.

  • ​Your Welcome Kit contains valuable information about the change to M&T Bank. Be sure to read it for complete information about the transfer of the servicing of your mortgage and what you can expect during the transfer period.

  • Y​our new M&T account number can be found on the Welcome Letter that was mailed to you. Look for it in the green box directly under your mailing address. If you have misplaced your Welcome Letter, you can locate your new account number by using the account lookup tool.

  • ​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 to receive electronic statements rather than paper statements, you can enroll at onlinebanking.mtb.com to receive free electronic statements. If you have not already created a User ID and Password, you will need to do so by clicking on “Enroll Now.”  Click on your mortgage account on the Account Summary page and navigate to “My Mortgage Info.”  Once you’ve accessed My Mortgage Info, click onStatements and Documentsand selectStatements and Lettersfrom the drop down menu. You many need to expand your window to view the My Mortgage Info menu options

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

    • Online Payments:  visit onlinebanking.mtb.com. This service will be available beginning March 7, 2017. 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 “Enroll Now.”
      Note: you do not need an M&T Bank checking or savings account to make an online payment; you can use a checking or savings account at any financial institution.
    • Payments by Mail:  P.O. Box 62182, Baltimore, MD 21264-2182. Be sure to include your coupon with your March payment. If you’ve misplaced your coupon, 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 NOT transfer from Cenlar. To enroll in this service with M&T, please visit us at onlinebanking.mtb.com, or fill out the Enrollment Form for Automatic Payments that was included in your Welcome Kit and return it in the envelope provided. If you select this option, a letter will be mailed confirming your enrollment and the start date for your automatic deductions.
    • 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 at no charge.
  • Yes. Cenlar will forward the payment to M&T Bank and we will credit it to your loan. However, please note that 60 days after the transfer date, payments will no longer be forwarded. To ensure that your payment is properly applied and that you don’t 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.

  • ​No, payments will not be drafted after March 1, 2017. If you would like to enroll in automatic payments at M&T, go to onlinebanking.mtb.com, or fill out the Enrollment Form for Automatic Payments that was included in your Welcome Kit and return it in the envelope provided.

  • ​Your Welcome Kit includes an Enrollment Form for Automatic Payments, which can be filled out and returned to us in the envelope provided.  At any time, you can manage your mortgage account at onlinebanking.mtb.com. Enroll in electronic statements and automatic payment deductions, and learn about other services and features.  Simply create a User ID and Password at the site for full access.

  • ​Please send in a copy of your orders to report for active duty to:
    M&T Bank
    Attention: SCRA Servicing
    PO Box 900
    Millsboro, DE 19966

  • ​Yes, starting March 7th, please enroll at onlinebanking.mtb.com to access 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 “Enroll Now.” Once you have signed in, click on your mortgage account on the Account Summary page and navigate to “My Mortgage Info.”  You may need to expand your window to view the My Mortgage Info menu options.

  • ​If you have submitted an application for loss mitigation assistance, M&T will review your submission.  Please be advised that M&T may request additional documents to complete the review of your application.

  • ​If you have submitted a complete loss mitigation application, but have not yet been approved, M&T will complete the loss mitigation review and send you the determination.

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

  • ​Please visit us online at https://www.mtb.com/customerservice/Pages/RepaymentAssistance.aspx for additional information on solutions that may be available to you.

  • ​Payments can be scheduled at any time as long as it is on or before the last day of your grace period.

  • ​Yes, please ask your insurance carrier to change the mortgagee clause to:
    M&T Bank
    ISAOA loan # (new M&T loan number)
    PO BOX 5738
    Springfield, OH 45501-5738

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