Top 3 Mortgage Lenders in Saratoga Springs

Saratoga National Bank stands as the premier local mortgage lender in Saratoga Springs, deeply embedded in the community with over two decades of service. Their mortgage team consistently receives exceptional ratings for personalized service, local market expertise, and competitive rates. As a community bank, they offer the advantage of local underwriting and decision-making, often providing more flexible terms than national lenders. Their strong reputation for closing loans on time and excellent customer communication makes them a top choice for Saratoga homebuyers.

Trustco Bank has been serving the Capital Region and Saratoga Springs community for over a century, with their mortgage department earning consistent high marks for reliability and competitive pricing. As a well-established regional bank with multiple branches in Saratoga County, they offer the stability of a large institution with the personalized service of a local lender. Their mortgage specialists are praised for guiding borrowers through the entire process, from application to closing, with particular expertise in first-time homebuyer programs and government-backed loans.

NBT Bank brings over 165 years of banking experience to Saratoga Springs with a highly-rated mortgage division that combines local decision-making with the resources of a regional financial institution. Their Saratoga Springs branch features dedicated mortgage specialists who receive outstanding reviews for their knowledge of the local real estate market and ability to structure competitive loan packages. NBT is particularly noted for their construction lending expertise and seamless refinance process, backed by strong customer service ratings and a commitment to the Upstate New York communities they serve.