New York State Escrow Analysis Schedule
If your loan was acquired by M&T after March 2020 your loan will be analyzed yearly on your closing date anniversary. If your loan was closed by M&T after September 2020 your loan will be analyzed yearly on your closing date anniversary.
| New York County | Analysis Month | Payment Changed Month |
| Albany | March | May |
| Allegheny | January | March |
| Broome | February | April |
| Cattaraugus | April | June |
| Cayuga | April | June |
| Chautaugua | April | June |
| Chemung | April | June |
| Chenango | April | June |
| Clinton | April | June |
| Columbia | April | June |
| Cortland | March | May |
| Delaware | April | June |
| Dutchess | April | June |
| Erie | April | June |
| Essex | April | June |
| Franklin | April | June |
| Fulton | April | June |
| Genesee | April | June |
| Greene | April | June |
| Hamilton | April | June |
| Herkimer | April | June |
| Jefferson | April | June |
| Lewis | April | June |
| Livingston | April | June |
| Madison | April | June |
| Monroe | March | May |
| Montgomery | April | June |
| Nassau | February | April |
| NYC-Bronx | June | August |
| NYC-Brooklyn/Kings | June | August |
| NYC-Manhattan | June | August |
| NYC-Queens | June | August |
| NYC-Staten Island | June | August |
| Niagara | January | March |
| Oneida | April | June |
| Onondaga | February | April |
| Ontario | April | June |
| Orange | April | June |
| Orleans | February | April |
| Oswego | February | April |
| Otsego | February | April |
| Putnam | February | April |
| Rensselaer | February | April |
| Rockland | February | April |
| St Lawrence | February | April |
| Saratoga | March | May |
| Schenectady | January | March |
| Schoharie | February | April |
| Schuyler | February | April |
| Seneca | February | April |
| Steuben | February | April |
| Suffolk | January | March |
| Sullivan | February | April |
| Tioga | February | April |
| Tompkins | March | May |
| Ulster | February | April |
| Warren | April | June |
| Washington | April | June |
| Wayne | April | June |
| Westchester | February | April |
| Wyoming | April | June |
| Yates | April | June |