Top 3 Mortgage Lenders in Sidney

NBT Bank stands as the premier local mortgage lender serving Sidney with deep community roots and extensive banking presence throughout Delaware County. As a federally chartered community bank with over 160 years of operation, they offer personalized mortgage services through their Sidney branch location. Their mortgage team provides competitive rates with local underwriting decisions, making them particularly strong for first-time homebuyers and agricultural property financing. Customers consistently praise their responsive local loan officers and streamlined application process.

Guild Mortgage maintains a strong regional presence serving Sidney residents from their nearby Oneonta office, with loan officers specifically covering Delaware County. As a nationwide lender with deep local expertise, they excel in government-backed loans and first-time homebuyer programs. Their 60+ years in the mortgage industry provides stability and extensive product options, while their local team offers personalized service. Customers frequently highlight their educational approach and ability to close loans quickly with competitive terms.

Tompkins Community Bank provides comprehensive mortgage services to Sidney through their regional banking network with dedicated mortgage specialists serving Delaware County. With nearly 200 years of banking experience, they offer the stability of an established institution combined with local decision-making authority. Their mortgage team is particularly noted for construction loans and portfolio lending options not available through larger national lenders. Customer reviews consistently mention their transparent process and knowledgeable loan officers who provide clear guidance throughout the mortgage journey.