Top 3 Mortgage Lenders in Schoharie

Trustco Bank stands as the primary local banking institution actually located within Schoharie village, providing personalized mortgage services with deep community roots. As a longstanding community bank with over a century of operation, they offer the advantage of local decision-making and relationship-based lending. Their mortgage team understands the unique Upstate New York housing market and provides competitive rates with flexible terms. Customers consistently praise their responsive service, local underwriting, and the convenience of having both banking and mortgage services under one roof in the Schoharie community.

NBT Bank maintains a strong physical presence in Schoharie with a local branch staffed by mortgage professionals who serve the entire Schoharie County region. As one of Upstate New York's most established financial institutions, they combine local market knowledge with the resources of a regional banking leader. Their mortgage specialists are praised for guiding borrowers through the entire process, from pre-approval to closing, with particular expertise in rural property financing and first-time homebuyer programs. The bank consistently receives high marks for competitive rates, transparent communication, and their commitment to the local community.

Pioneer Savings Bank brings over 130 years of community banking experience to Schoharie with a dedicated local branch and mortgage team. While headquartered in Troy, they maintain a strong commitment to serving Schoharie County with personalized mortgage services and local decision-making authority. Their mortgage professionals are particularly noted for expertise in rural property loans, agricultural lending considerations, and working with buyers throughout the varied Schoharie County landscape. Customer reviews consistently highlight their educational approach, patience with first-time buyers, and ability to navigate complex property situations common in rural Upstate New York markets.