Top 3 Mortgage Lenders in Phelps

As the leading community bank in the Finger Lakes region, CNB has served Ontario County and surrounding areas for over 135 years. They maintain a strong physical presence with multiple branches throughout the region, including close proximity to Phelps. Their mortgage team offers personalized service with local decision-making, competitive rates, and extensive experience with rural property financing common in the Phelps area. CNB consistently receives exceptional customer reviews for their responsive service and deep community commitment.

NVR Mortgage has established itself as one of the top mortgage lenders serving the Rochester metropolitan area and surrounding counties including Ontario County. With decades of experience and strong regional presence, they offer competitive rates and efficient processing. Their dedicated team specializes in both purchase and refinance transactions, with particular expertise in rural and suburban properties. Customers consistently praise their streamlined application process and knowledgeable loan officers who understand the unique aspects of the Finger Lakes housing market.

As one of the largest credit unions in upstate New York, ESL has served the Rochester and Finger Lakes region for over a century. They maintain strong membership eligibility throughout Ontario County and offer highly competitive mortgage rates to their members. ESL receives outstanding customer satisfaction ratings for their personalized service, local underwriting, and community-focused approach. Their mortgage specialists have extensive experience with properties throughout rural Ontario County, including Phelps, and offer special first-time homebuyer programs and competitive construction lending options.