The Best Mortgage Lenders in Madison, NY

NBT Bank is a highly-regarded regional financial institution with deep roots in Central New York, serving Madison County and surrounding areas for over 160 years. Their mortgage department receives excellent ratings for personalized service, competitive rates, and local decision-making. As a community-focused bank with multiple branches throughout the region, they offer the advantage of face-to-face service combined with comprehensive mortgage products. Customers consistently praise their responsive loan officers, streamlined application process, and commitment to helping borrowers find the right mortgage solution for their needs.

Empower Federal Credit Union, serving Central New York including Madison County, earns exceptional ratings for mortgage lending with numerous customers highlighting their competitive rates, low fees, and outstanding member service. As a not-for-profit financial cooperative, they often provide more favorable terms than traditional banks. Their mortgage specialists are praised for guiding members through every step of the homebuying process with expertise and patience. With nearly a century of service to the region, they have established strong relationships with local real estate professionals and offer specialized programs for first-time homebuyers.

Tompkins Community Bank has been serving Central New York communities including Madison County for nearly two centuries, building a reputation for reliable mortgage lending with personal attention. Their experienced loan officers receive high marks for responsiveness, local market knowledge, and finding creative solutions for unique borrowing situations. As a well-established regional bank, they combine the stability of a long-standing institution with the flexibility to accommodate various financial scenarios. Customers frequently mention the bank's commitment to following through on promises and providing clear communication throughout the mortgage process.