Top 3 Mortgage Lenders in Clayton

Community Bank NA is one of the most established and highly-rated regional lenders serving the Clayton area with deep roots in Northern New York. With over 150 years of community banking experience, they offer personalized mortgage services and competitive rates. Their local loan officers understand the unique real estate market in the Thousand Islands region and provide comprehensive mortgage solutions including specialized programs for first-time homebuyers. The bank maintains excellent customer satisfaction ratings and offers the convenience of local branch banking combined with digital mortgage tools.

Watertown Savings Bank has been serving Jefferson County and the Clayton area for over a century with exceptional mortgage lending services. They are particularly known for their competitive rates on conventional and government-backed loans, along with specialized construction lending programs ideal for the Clayton waterfront and rural properties. Their mortgage team provides personalized service with local decision-making authority, ensuring smooth closings and responsive communication. The bank consistently receives high marks for customer service and community commitment.

NBT Bank is a well-established regional financial institution with strong presence throughout Northern New York, including dedicated service to Clayton residents. They offer a comprehensive range of mortgage products with competitive pricing and flexible terms. Their experienced mortgage specialists provide personalized guidance through the entire home financing process, from pre-approval to closing. NBT is particularly noted for their first-time homebuyer programs and their ability to handle unique property types common in the Thousand Islands area. The bank maintains excellent customer satisfaction ratings and offers both in-person and digital mortgage services.