ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of mortgage lenders in Utica, New York. Verify credentials with the state mortgage licensing authority before hiring.
9 agents listed
Updated May 2026
Utica, 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 9 mortgage lenders in Utica, 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.
Homestead Funding Corp: Patrick McKenney | NMLS# 463228
1707 Oriskany St W Suite 110, Utica, NY 13502
3155255428
Homestead Funding Corp: David Husnay | NMLS# 1182166
1707 Oriskany St W Suite 110, Utica, NY 13502
3154158058
Homestead Funding Corp: Lauren Elizabeth DiMaggio | NMLS# 1192916
1707 Oriskany St W Suite 110, Utica, NY 13502
3152259643
NBT Bank
270 Genesee St, Utica, NY 13502
3157388701
Homestead Funding Corp. – Utica
1707 Oriskany St W Suite 110, Utica, NY 13502
3157905000
Homestead Funding Corp: Jennifer Noble | NMLS# 2437736
1707 Oriskany St W Suite 110, Utica, NY 13502
3152390131
Homestead Funding Corp: Felix Gonzalez | NMLS# 600461
1707 Oriskany St W Suite 110, Utica, NY 13502
2035565610
Jonathan Fiore - M&T Bank
233 Genesee St, Utica, NY 13501
3157315229
Commercial Lending Utica NY
258 Genesee St, Utica, NY 13502
3158600536
Mortgage lenders in Utica, New York help home buyers and homeowners secure financing for property purchases and refinancing. New York law requires all mortgage loan originators to be licensed through the Department of Financial Services. Local lenders can guide you through state specific rules such as the mandatory 3 day right of rescission for refinances.
What Does a Mortgage Lender in Utica 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 averaging $1,500 to $3,000. New York also charges a mortgage recording tax which varies by county, ranging from 0.5% to 2.0% of the loan amount. 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 Utica?
You typically need pay stubs, tax returns, bank statements, and proof of identification. New York lenders may also require a signed disclosure form under New York General Obligations Law.
How long does it take to close on a mortgage in New York?
The average closing process in New York takes 45 to 60 days. This timeline includes appraisal, underwriting, and the mandatory 3 day review period under federal law.
Are there special mortgage programs for first time buyers in New York?
Yes, New York offers programs like the State of New York Mortgage Agency (SONYMA) loans. These programs provide low down payment options and reduced interest rates for eligible first time buyers.
Free • No Obligation
Compare Mortgage Lenders
Get matched with agents in Utica who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.