Top 3 Mortgage Lenders in Ogdensburg

Community Bank, N.A. is the dominant local banking institution in Ogdensburg with deep community roots dating back to 1866. As a full-service bank with multiple branches throughout Northern New York, they offer comprehensive mortgage services with local underwriting and decision-making. Their mortgage specialists live and work in the community, providing personalized service and understanding local real estate market conditions. They consistently receive excellent customer ratings for their responsive service, competitive rates, and streamlined mortgage process from application to closing.

NBT Bank has been serving Northern New York communities since 1856 and maintains a strong physical presence in Ogdensburg with a full-service branch. They offer a wide range of mortgage products with local loan officers who provide face-to-face service and guidance throughout the homebuying process. NBT is particularly noted for their first-time homebuyer programs and competitive construction loan options. Customers consistently praise their knowledgeable staff, transparent process, and commitment to the local community, with many generations of families banking with them.

While based in nearby Potsdam, North Country Home Services specializes in serving the entire St. Lawrence County region including Ogdensburg. They are a HUD-approved housing counseling agency and mortgage broker with exceptional expertise in government-backed loans (FHA, VA, USDA) and first-time homebuyer programs. Their counselors provide comprehensive homebuyer education and assistance with down payment programs. They have built an outstanding reputation for helping buyers with moderate incomes achieve homeownership through personalized guidance and access to special loan programs not always available through traditional banks.