Mortgages at North Country Savings Bank

At North Country Savings Bank, we take the phrase “community bank” seriously. We have spent the last 100 years committed to the customers and communities we serve. Every mortgage application is given personalized attention by our experienced and dedicated Loan Originators, who consider factors beyond your credit score to understand your unique financial situation. And every dollar spent on mortgages is reinvested in the community, including healthcare services, housing assistance, art and culture, community services and farming.

10+ Years
Contact a Mortgage Specialist

Wondering what factors determine your mortgage rate? Or maybe you’re a first time homebuyer and want to know what you need to do before you apply for a mortgage. At North Country Savings Bank, each of our five lending offices has a home loan expert ready to answer all your questions. Since all of our Loan Originators have more than 10 years of experience in lending, you can be sure you’re in good hands.

Sheri Norman
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Sheri Norman

Brian LaVair
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Brian LaVair

Dottie Parker
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Dottie Parker

Lisa M. Woodward
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Lisa M. Woodward

Nathan Caster
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Nathan Caster

100+ Years
Experienced & Personalized Service

For more than 100 years, North Country Savings Bank has helped customers purchase their dream homes, regardless of their credit scores. Our Loan Originators guide you through the mortgage application process and take the time to look at more than just your credit score. You won't find that kind of service at big banks, where an automated computer system makes all the decisions.

Apply Online

Apply for a mortgage online and one of our Loan Originators will contact you to better understand your financial situation and complete your application.

No Origination Fees

Our goal is to help homebuyers in St. Lawrence County find their dream home at a reasonable cost. Unlike most banks and mortgage brokers, North Country Savings Bank offers mortgages with no origination fees. No negotiation, period.

No Prequalification Fees

Before you start searching for your dream home, you'll want to set a realistic budget, and we can help. At North Country Savings Bank, our online mortgage prequalification application allows you to understand how much you can borrow, at no additional cost and without commitment. Take the first step and apply online today.

Benefits of a Mortgage from a Local Community Bank
Benefits of a Mortgage from a Local Community Bank

North Country Savings Bank takes pride in being different from big banks. Here’s why:

  • Experienced Loan Originators in all five of our locations are accessible to answer questions, concerns and take walk-in appointments at any time during business hours.
  • We offer personalized mortgages that take into account your unique financial situation, and not just your credit score.
  • No prequalification, origination fees or hidden costs, and highly competitive rates.
  • 100% of your mortgage dollars are reinvested into your community.
  • All your banking needs under one roof: North Country Savings Bank offers various checking, saving and business accounts.
  • Rate discounts are also available for customers with a checking account through North Country Savings Bank.
First-Time Home Buyer?

Buying your first home can be a confusing and daunting process. That’s why North Country Savings Bank has partnered with the North Country Housing Council to support new homebuyers in St. Lawrence County with a monthly First-Time Homebuyer Class.

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