Residential Mortgages $500

Unlock Your Homeownership with Empire State Bank

When it comes to navigating the real estate market in the dynamic neighborhoods of New York, New Jersey, Connecticut, and Pennsylvania, you need industry experts who understand the intricacies of the mortgage landscape. At Empire State Bank, we take pride in being your trusted partner, leveraging our expertise to help you secure the ideal residential mortgage that aligns with your goals. We're with you every step of the way from purchasing a home to refinancing. With Empire State Bank, you can enjoy:

Personalized Service:

At Empire State Bank, we believe in building lasting relationships with our customers. Our experienced loan mortgage officers take the time to listen to your goals, concerns, and financial situation. We then work diligently to find the best mortgage options available to suit your unique circumstances.

Local Expertise:

At Empire State Bank, we are committed to serving the communities in New York, New Jersey, Connecticut, and Pennsylvania. As a community-focused bank, we have an in-depth understanding of the unique housing market dynamics in these areas. Our residential team is well-versed in the intricacies of these neighborhoods, allowing us to provide tailored mortgage solutions that align with your specific requirements. You can rely on our prompt and personalized customer service, ensuring that you feel valued and supported throughout your homeownership journey.

Trusted Advice:

Trust is the foundation of our client relationships. We are committed to providing you with honest, transparent, and reliable advice. We guide you through the complexities of the mortgage market, ensuring you have a clear understanding of your options and making informed decisions. 

Specialized Knowledge:

With years of experience in the mortgage industry, our team of loan officers at Empire State Bank has specialized knowledge and insights into the unique housing market dynamics of the regions we serve.

Competitive Rates:

Whether you're buying a new home or looking to refinance, we aim to provide favorable terms and rates to meet your financial goals. We work diligently to find the most favorable rates and terms that suit your financial objectives.


Streamlined Application Process:

We understand that time is of the essence when it comes to purchasing a home or refinancing. Our application process is designed to minimize paperwork and ensure efficiency and accuracy. We'll guide you through each step, keeping you informed throughout the process. Our goal is to provide you with a smooth experience.

At Empire State Bank, we understand that purchasing a home or refinancing is a significant financial decision, and we are here to support and guide you every step of the way. Our team of mortgage loan officers is dedicated to helping you achieve your homeownership goals with confidence.

Now, let’s get started. The pre-approval process is:

  • Simple
  • Free
  • Won’t affect your credit in any way.

Begin your application

*$500 off Mortgage Closing Costs offer is applicable to new purchases or refinanced mortgages from Empire State Bank. All mortgage loans are subject to credit and collateral approval. All loans are subject to the underwriting guidelines of Empire State Bank and the unique credit circumstances of the borrowers. This offer does not apply to Commercial/Business Real Estate, Home Equity Loans, or Home Equity Lines of Credit. Bank rules and regulations apply. The closing credit cannot be combined with any other discounts or credits. This offer is applicable only for the refinance or purchase of a 1-to-4-family primary property and condominiums. Empire State Bank reserves the right to cancel this offer at any time. This offer is subject to change or cancellation without notice. NMLS# 402578.

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