Top 3 Mortgage Lenders in Vernon

NEO Home Loans is a highly-rated regional mortgage lender with strong presence throughout Central New York, including service to Vernon area residents. With exceptional 4.9-star ratings across multiple platforms, they specialize in personalized mortgage solutions and have built a reputation for competitive rates and outstanding customer service. Their team, led by experienced loan officers like Michael DeRito, focuses on making the home buying process smooth and transparent for clients throughout Oneida County and surrounding areas.

As part of NBT Bank's mortgage division, the Tom Gallagher Mortgage Team serves the Vernon area with exceptional local expertise and community-focused lending. NBT Bank has deep roots in Central New York with over 160 years of banking experience. The team specializes in helping rural and suburban homebuyers with various loan programs including USDA loans that are particularly relevant for Vernon residents. Their strong local presence and understanding of the regional real estate market make them a top choice for personalized mortgage service.

Empower Federal Credit Union has been serving Central New York communities for over 100 years and offers comprehensive mortgage services to Vernon area residents. As a not-for-profit financial cooperative, they typically offer competitive rates and lower fees than many traditional banks. Their mortgage team provides personalized guidance through the entire home buying process with a focus on member education and support. With multiple branches throughout the region and strong community involvement, they have built a reputation for reliable, member-focused mortgage lending with excellent customer satisfaction ratings.