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11 agents listed
Updated May 2026
Fulton, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New York before hiring.
Showing 11 mortgage lenders in Fulton, NY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Oswego County Federal Credit Union
707 S 4th St, Fulton, NY 13069
3158871030
Empower Federal Credit Union
520 S 2nd St, Fulton, NY 13069
8004625000
Jessica Shepard, Century 21 Leah's Signature
566 S 4th St, Fulton, NY 13069
3156797014
Fulton Savings Bank
75 S 1st St, Fulton, NY 13069
3155924201
AmeriCU Credit Union
722 W Broadway, Fulton, NY 13069
8003882000
Century 21 Leah's Signature
566 S 4th St, Fulton, NY 13069
3155981165
KeyBank
121 S 1st St, Fulton, NY 13069
3155924221
NBT Bank
1930 State Rte 3, Fulton, NY 13069
3155932165
PathFinder Bank
5 W 1st St S, Fulton, NY 13069
3155929545
Fulton Savings Bank, Loan Operations Center
41 S 1st St, Fulton, NY 13069
3155923171
Howard Hanna Fulton Appointment Center
18 Canalview Mall, Fulton, NY 13069
3155927653
Mortgage lenders in Fulton, New York help homebuyers secure financing for residential properties. New York State requires lenders to follow strict licensing rules under the Banking Law Article 12-D. Local lenders can guide you through the process, including understanding the state specific mortgage recording tax and other closing costs.
What Does a Mortgage Lender in Fulton Cost?
Typical costs for a mortgage in New York include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance which can cost $1,000 to $3,000. New York also imposes a mortgage recording tax, which varies by county and can be 0.75% to 1.8% of the loan amount. These costs can add up to 2% to 5% of the home purchase price. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Fulton New York?
You typically need proof of income, tax returns, bank statements, and identification. New York lenders also require a property appraisal and title search to verify ownership and property value.
How long does the mortgage process take in New York?
The process usually takes 30 to 45 days from application to closing. New York law requires a three day right of rescission for refinances, which can extend the timeline.
Are there special mortgage programs for first time buyers in New York?
Yes, New York offers the State of New York Mortgage Agency (SONYMA) programs with low down payments and competitive rates. These programs are available for eligible buyers in Fulton and throughout the state.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New York.