Community Bank, N.A., (CBNA) is a full-service financial institution and national banking subsidiary of Community Bank System, Inc. With locations across Upstate New York and Northeastern Pennsylvania, CBNA offers personal loans, mortgages, checking and savings accounts, credit and debit cards, online banking, mobile banking, commercial loans, cash management and more. In addition to a full range of retail and business banking services, the company offers comprehensive financial planning, insurance and wealth-management services.
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Free Mortgage Consultation

No obligation. No headaches. No kidding.

Buying a house can be a challenge, especially when it’s your first time. And finding the right mortgage? That can feel downright scary. But don’t worry, we’ve done this before. Lots of times.

Our mortgage experts can explain all the options—from No Closing Costs mortgages* and refinancing to fixed or adjustable rate loans—in simple, straight forward language. The more you know about mortgages, the more confident you’ll feel, and we want you to be as happy with your mortgage as you are with your new home.

Hey, if you need paint color suggestions too, we hear that sunshine yellow is in right now.  So let’s get started! If you're in the state of Vermont or Massachusetts, click here. Not located in Vermont or Massachusetts? Contact your local branch for more information. Bankers are standing by. Well, they’re probably sitting, but you get the idea.


Application Checklist. Enjoy a smoother closing 
by gathering your paperwork before you apply.

Personal Information:

Income Verification and Documentation:

Self-Employed, Landlords, Commissioned Borrowers, Business owners holding 25% or more ownership:

Retirement, Social Security, Disability, other compensation or income: 

Deposit/Asset verification:



Purchase Loans:

Purchase and Sale agreement along with all addenda, signed by all parties.


Refinance Loans or Home Equity Loans and Lines of Credit:

Copy of deed, most recent paid tax receipts and homeowner’s insurance binder, current mortgage statement.


Construction Loans:

Construction contract/estimates signed by all parties, draw schedule, survey cost estimate indicating location of the home, receipts for payments and deposits you have made thus far.


Call or stop into your local branch to schedule a FREE mortgage consultation!  


*Certain conditions and restrictions apply.  Call for details.  Additional documents may be required.

Get in Touch

Stop into a branch, pick up the phone or email us.

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