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Just as important as competitive, straightforward loan rates and fixed term APRs are the other benefits that may (or may not) come with them: things like local decision-making, in-house loan servicing, people you can ask for by name, and a long-term commitment to taking care of customers. At ISB, these are all made possible thanks to our longstanding, community-based "portfolio lending" heritage.  

Being real estate-based loan underwriters and servicing specialists isn't just part of the ISB job description – it's part of our DNA. We are champions of a portfolio lender legacy that allows us to Go-The-DistanceSM on many fronts, extending our commitment to you long after an individual transaction has closed.

Ultimately, you'll find that's the key. Our all-inclusive, "got ya covered" ability to put the whole package together – and stand behind it – really sets ISB's unique brand of service-oriented, community-based mortgage lending apart.

"Portfolio Lender"[pawrt-foh- lee-oh lend-er] noun – 1.) a term used to describe a special type of (mortgage) lender; one that does NOT originate loans (provide loan financing) as a loan broker acting on behalf of outside / third-party organizations and with the specific intent to then sell those loans (along with their servicing obligations) on the secondary market after-the-fact; 2.) refers to a lender's capacity to carry and keep loans on the lender's own books (i.e. in its own portfolio of bank assets), thus signaling it has the specialized expertise on staff to "retain the servicing" (continue providing its own in-house loan servicing) once those transactions have closed.

Download our ISB Mortgage and Real Estate information as a PDF

ISB Mortgages & Loan Programs (click below)

Conventional Mortgages – fixed or variable rate

First Time Homebuyer Program

ISB mortgage loan originators are registered with the Nationwide Mortgage Licensing System & Registry (NMLS), which allows consumers to verify, free of charge, the state licensing and federal registration of mortgage companies and individual professionals through its NMLS Consumer AccessSM service (www.nmlsconsumeraccess.org).                                                  ISB NMLS Numbers

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Altoona Office    Map It
1201 8th Avenue
Altoona, PA 16602
Phone: (814) 944-0843
Fax: (814) 942-6821

Lobby Hours
MON-FRI: 9am - 4:30pm

Drive Up Hours
MON-THU: 8:30am - 5pm
FRI: 8:30am - 6pm
SAT: 9am - 12pm

Bank Holiday Schedule

Duncansville Office    Map It
201 Patchway Road
Duncansville, PA 16635
Phone: (814) 695-7551
Fax: (814) 695-1369

Lobby Hours
MON-FRI: 9am - 5pm

Drive Up Hours
MON-THU: 9am - 5pm
FRI: 9am - 6pm
SAT: 9am - 12pm

Bank Holiday Schedule

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Member FDIC ISB is an Equal Housing Lender Equal Housing Lender