Top 3 Mortgage Lenders in Saint Thomas

Fulton Mortgage Company, a division of Fulton Bank, is one of the most established and highly-rated mortgage lenders serving the Saint Thomas area. With over 140 years in banking and deep roots in Pennsylvania communities, they offer personalized mortgage services through local loan officers who understand the Franklin County market. Their 4.6 rating reflects exceptional customer service, competitive rates, and a smooth closing process. As a regional bank with multiple branches throughout South Central Pennsylvania, they provide the stability of a large institution with the personal attention of a local lender, making them a top choice for Saint Thomas homebuyers.

M&T Bank has been serving Pennsylvania communities for over 165 years and maintains a strong presence in the Chambersburg area, which serves Saint Thomas residents. Their mortgage division earns consistent high marks for their knowledgeable local loan officers, competitive rates, and efficient processing. With a 4.4 rating based on hundreds of reviews, M&T is particularly praised for their first-time homebuyer programs and "Right Start" mortgage options. Their extensive branch network throughout the region ensures Saint Thomas clients receive personalized service with the resources of a major regional bank, making them a trusted choice for mortgage financing.

Horizon Credit Union, while headquartered in nearby Hagerstown, Maryland, serves the entire tri-state area including Saint Thomas, Pennsylvania, and has built an exceptional reputation for mortgage lending. Their outstanding 4.8 rating reflects superior member service and highly competitive rates. As a credit union, they operate as a not-for-profit financial cooperative, often resulting in lower fees and more flexible underwriting. Their mortgage specialists are praised for guiding members through every step of the homebuying process with exceptional care. With nearly 60 years of service to the community, Horizon offers the personalized attention of a local lender with comprehensive mortgage products tailored to Saint Thomas area homebuyers.