Top 3 Mortgage Lenders in Hagerstown

American Heritage Credit Union is a highly-rated regional financial institution serving Wayne County and surrounding areas including Hagerstown. With over 85 years of community banking experience, they offer personalized mortgage services with competitive rates and local decision-making. Their mortgage team provides comprehensive guidance through the entire home buying process, specializing in first-time homebuyer programs and offering various loan options with exceptional customer service ratings.

First Merchants Bank is a well-established regional bank with a strong presence throughout East Central Indiana, including service to Hagerstown residents. With over 130 years of banking experience, their mortgage division offers competitive rates and local underwriting expertise. They are particularly noted for their construction lending programs and personalized service approach, with mortgage specialists who understand the local Hagerstown and Wayne County housing market dynamics.

Ruoff Mortgage is one of Indiana's top-rated mortgage lenders with statewide service coverage including Hagerstown. Founded in 1985, they have built an outstanding reputation for competitive rates, fast closings, and exceptional customer service. They specialize in digital mortgage solutions while maintaining personal relationships, offering a wide range of loan products with particular expertise in first-time homebuyer programs. Their high volume of positive customer reviews reflects their commitment to smooth, transparent mortgage processes.