Top 3 Mortgage Lenders in Northern Cambria

As the largest locally headquartered community bank in the Johnstown area, AmeriServ Financial has been serving Northern Cambria and surrounding communities for over a century. They maintain a strong physical presence in Cambria County with multiple branches and offer personalized mortgage services with local decision-making. Their mortgage team provides competitive rates and flexible terms with deep understanding of the local real estate market. Customers consistently praise their responsive service, transparency throughout the loan process, and commitment to the community.

Paramount Financial Mortgage has built an exceptional reputation throughout central Pennsylvania, including strong service in Cambria County. As a dedicated mortgage company rather than a full-service bank, they specialize exclusively in home loans, allowing for expert guidance and efficient processing. They are particularly noted for their educational approach with first-time homebuyers and competitive FHA/VA loan programs. Reviews consistently highlight their responsive communication, ability to close loans quickly, and knowledgeable loan officers who make the mortgage process understandable.

First Commonwealth Federal Credit Union has deep roots in the Johnstown area and serves members throughout Cambria County, including Northern Cambria residents. As a member-owned financial cooperative, they often offer more competitive rates and lower fees than traditional banks. Their mortgage department receives high marks for personalized service and local underwriting. Members appreciate the credit union's community focus, with loan officers who understand the local housing market and provide guidance tailored to individual financial situations. They offer a full range of mortgage products with particular strength in first-time homebuyer programs.