Top 3 Mortgage Lenders in Smithtown

New York Community Bank has been a trusted mortgage lender serving Long Island communities including Smithtown for over 160 years. With their local branch presence in nearby Commack, they offer personalized service and deep understanding of the local real estate market. NYCB is particularly strong in jumbo loans and conventional mortgages, with competitive rates for Suffolk County residents. Their long-standing community presence and FDIC insurance provide additional security for homebuyers.

The Federal Savings Bank has built an excellent reputation serving the Long Island mortgage market with specialized expertise in government-backed loans including FHA and VA loans. They offer competitive rates and have particular strength in first-time homebuyer programs. Their local loan officers have extensive knowledge of Smithtown's housing market and provide personalized guidance throughout the mortgage process. The bank maintains strong relationships with local real estate professionals throughout Suffolk County.

M&T Bank has been serving the New York metropolitan area for over 165 years and maintains a strong presence throughout Long Island, including Smithtown. They offer a comprehensive range of mortgage products with particularly strong conventional and jumbo loan options. M&T is known for their local underwriting decisions and competitive rates for Suffolk County residents. Their experienced mortgage specialists provide personalized service and have deep knowledge of the local real estate market dynamics.