Top 3 Mortgage Lenders in Scotland

First Financial Bank has been serving southern Indiana communities for over 150 years and maintains a strong presence in Bartholomew County, which includes Scotland. Their mortgage team receives exceptional ratings for personalized service, local underwriting decisions, and competitive rates. As a community-focused bank with deep roots in the area, they understand the local real estate market and offer a comprehensive range of mortgage products with the convenience of local servicing throughout the loan term.

Centra Credit Union has been serving Bartholomew County and surrounding areas for over 80 years, making them a trusted local lender for Scotland residents. Their mortgage department receives high marks for competitive rates, exceptional customer service, and first-time homebuyer programs. As a not-for-profit financial cooperative, they often offer more favorable terms and personalized guidance through the entire mortgage process, with local decision-making and community-focused service.

Ruoff Mortgage is an Indiana-based mortgage lender with a strong statewide presence and excellent reputation for serving rural communities like Scotland. They consistently receive top ratings for their efficient processing, competitive rates, and exceptional customer service. With local offices throughout Indiana, they combine the personal attention of a local lender with the resources of a larger mortgage company, offering a wide range of loan programs and digital mortgage tools for a streamlined experience.