Top 3 Mortgage Lenders in Albany

First Merchants Bank has been serving East Central Indiana for over 130 years and is one of the most established financial institutions in the Albany area. Their mortgage team receives exceptional ratings for personalized service and competitive rates. As a community-focused bank with deep roots in Delaware County, they offer local underwriting and decision-making, which streamlines the mortgage process for Albany homebuyers. They specialize in first-time homebuyer programs and offer comprehensive digital mortgage tools alongside in-person service.

Horizon Bank has a strong presence throughout East Central Indiana and serves the Albany community with dedicated mortgage specialists. They are particularly praised for their educational approach, guiding borrowers through every step of the mortgage process. The bank offers competitive rates and a wide variety of loan products, including specialized programs for rural properties common around Albany. Their local loan officers have extensive knowledge of the Delaware County real estate market and provide personalized service with quick response times.

Ruoff Mortgage is one of Indiana's most highly-rated mortgage lenders with extensive experience serving communities throughout the state, including Albany. They receive outstanding reviews for their efficient processing, competitive rates, and exceptional customer service. As an Indiana-based company for over 60 years, they have deep understanding of local market conditions. Their digital mortgage platform combined with local expertise makes them a top choice for Albany homebuyers seeking a smooth, transparent lending experience with some of the fastest closing times in the industry.