Top 3 Mortgage Lenders in Harford

FNCB Bank is a premier community bank serving Northeast Pennsylvania with deep roots in the region. While headquartered in Dunmore, they actively serve Harford and surrounding Susquehanna County communities. Their mortgage team receives exceptional ratings for personalized service, local decision-making, and competitive rates. As a community-focused institution with over 110 years of service, they understand the unique needs of rural Pennsylvania homebuyers and offer specialized construction and USDA loan programs perfect for Harford area properties.

Guardian Savings Bank has been serving Northeast Pennsylvania communities for over a century, with strong presence in Lackawanna and Susquehanna Counties including Harford. Their mortgage team is highly rated for exceptional customer service and local expertise. They offer specialized first-time homebuyer programs and have particular strength with rural property financing through USDA loans. As a community bank, they provide personalized service with local underwriting and decision-making, making them an excellent choice for Harford residents seeking a relationship-based lending approach.

Guaranteed Rate's Clarks Summit office serves the entire Northeast Pennsylvania region including Harford, with outstanding customer ratings for both digital convenience and personalized service. They combine national lending power with local expertise, offering highly competitive rates and a streamlined digital mortgage process. Their local loan officers have deep knowledge of the Harford area market and specialize in both purchase and refinance transactions. The company consistently ranks among the top retail mortgage lenders nationally while maintaining strong local presence and community involvement in Northeast PA.