Top 3 Mortgage Lenders in Harpersfield

NBT Bank stands as one of the most established and highly-rated regional lenders serving Harpersfield and surrounding Delaware County. With deep roots in upstate New York dating back over 160 years, they offer exceptional local knowledge of rural property financing and agricultural lending needs. Their mortgage team receives consistent praise for personalized service, competitive rural development loans, and understanding the unique needs of country property buyers. As a community-focused bank with multiple nearby branches, they provide the convenience of local underwriting decisions combined with the stability of a well-capitalized regional institution.

Visions Federal Credit Union consistently ranks among the top mortgage lenders in the Central New York region, serving Harpersfield residents with exceptional rates and member-focused service. Their mortgage specialists excel at USDA rural development loans and first-time homebuyer programs perfectly suited for the Harpersfield area. Members praise their transparent process, competitive rates without excessive fees, and patient guidance through the mortgage process. As a not-for-profit credit union, they return profits to members through better rates and lower closing costs, making them particularly attractive for buyers in Delaware County.

Tompkins Community Bank brings nearly two centuries of banking experience to the Harpersfield market, with specialized expertise in rural property financing and construction loans for the region. Their mortgage team receives outstanding reviews for their knowledge of country property requirements, including well and septic considerations common in Delaware County. They offer local underwriting decisions and maintain strong relationships with area real estate professionals. Customers particularly appreciate their construction-to-permanent loan programs for building in rural areas and their competitive conventional loan offerings for both primary residences and vacation properties in the Catskill region.