Top 3 Mortgage Lenders in Sterling

NBT Bank stands as one of the most established and highly-rated regional lenders serving the Sterling area and throughout Upstate New York. With deep roots in the community dating back over 160 years, they offer personalized mortgage services through local branches and experienced loan officers. Their strong reputation comes from competitive rates, extensive loan options including rural development loans suitable for Sterling's market, and exceptional customer service. As a community-focused institution with physical presence in nearby Canton, they understand the local real estate landscape and provide dedicated support throughout the mortgage process.

ESL Federal Credit Union, while headquartered in Rochester, serves members throughout Upstate New York including the Sterling area with highly competitive mortgage products and exceptional member service. Consistently rated among the best mortgage lenders in New York, ESL offers attractive rates for members, comprehensive first-time homebuyer programs, and specialized guidance for rural properties. Their digital mortgage application process is user-friendly while maintaining personal touchpoints with experienced loan officers. With over a century of service to New York communities, they've built a strong reputation for transparency, competitive pricing, and member-focused lending.

Fairway Independent Mortgage Corporation operates a highly-rated Rochester branch that actively serves the Sterling area with exceptional mortgage services. Recognized nationally for customer satisfaction and innovative technology, their local loan officers bring deep knowledge of the Upstate New York market. They excel at navigating complex loan scenarios while offering competitive rates and efficient processing. Fairway's strong digital platform complements their personalized service approach, making them a top choice for Sterling homebuyers seeking a smooth mortgage experience with one of the industry's most reputable independent lenders.