Top 3 Mortgage Lenders in Oxbow

Community Bank, N.A. is one of the most established and highly-rated regional lenders serving Northern New York, including the Oxbow area. With deep roots in the community since 1984, they offer personalized mortgage services with local decision-making. Their experienced loan officers provide competitive rates on all major loan types, and they're particularly known for their construction and USDA rural development loans that benefit homeowners in areas like Oxbow. The bank maintains an exceptional 4.8-star rating across multiple review platforms with customers praising their responsive service and smooth closing processes.

Watertown Savings Bank has been serving Jefferson County and the North Country region since 1996, making them a trusted local mortgage provider for Oxbow residents. They specialize in first-time homebuyer programs and offer competitive conventional and government-backed loans. Their mortgage team receives consistent praise for walking customers through every step of the process and providing clear communication. With physical branches throughout the region, they offer the convenience of local service combined with comprehensive mortgage options and competitive rates that often beat larger national lenders.

While based in Syracuse, Empower Federal Credit Union serves members throughout Central and Northern New York, including Oxbow residents. As a not-for-profit credit union, they typically offer lower rates and fewer fees than traditional banks. Their mortgage department specializes in first-time homebuyer programs and provides exceptional member service with personalized attention. They offer a full range of mortgage products and have particularly strong ratings for their VA and FHA loan expertise. Customers consistently rate them highly for their transparent process and competitive rate offerings.