Temporary Closure Alert: Starting on 8/15, the Factory Street branch will be closed for about 2 weeks for member and employee safety. We apologize for the inconvenience and thank you for bearing, and banking, with us.

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Purchase or refinance, we do them all and we do them well!

Your home is likely the largest purchase you’ll ever make. Trust the home lending professionals at Northern to help you make a smart decision as they custom tailor a mortgage to meet your needs. Available on your schedule, our home lending team wants to make your house your home.

Meet our Home Lending Professionals:


Chris Andiorio
Office: 315.779.3186
Cell: 315.558.7356
NMLS# 1192923


Bhavik Patel
Office: 315.779.3122
Fax: 315.779.3062
NMLS# 1438912

Northern offers a variety of mortgage options including:

  • Fixed & Adjustable Rate Mortgages
  • VA (Veteran’s Affairs) Loans
  • FHA (Federal Housing Authority) Loans
  • First Time Homebuyer Grant Program
  • Seasonal Home & Second Mortgages
  • New Construction Mortgages
  • Investment Property Mortgages
  • Get started by calling either of us directly or filling out our Contact Us Form.