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150-Year Legacy of Reliable Home Loans.

Experience the unmatched knowledge, trust, and expert guidance that have made us a go-to choice for homebuyers for over a century and a half.

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Best Of JS 2023
Welcome to Tioga-Franklin Savings Bank

Founded in 1873, we have weathered the storms of many economic crises, remaining a stable and reliable banking partner. Our journey began amidst the aftermath of the Civil War and a severe economic depression. Survival was made possible only by adhering to the core principles we still stand by today: conservative investing, competitive rates, and minimal fees.

Through our commitment to transparency and constant innovation, you can expect unmatched knowledge, expert guidance, & exceptional customer service from each of our individually assigned industry experts. This is the only way we can ensure we provide a seamless experience tailored to your unique needs.

Find out exactly why our multi-generational community of satisfied homeowners have continuously relied on us for all of their mortgage needs for well over a century.

No Obligation.
No Credit Check.

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

All-in-One Solution

Our Loan Process...


A loan pre-approval sets you up for a smooth home buying experience.


Start working with a real estate agent and viewing homes.


A few documents are needed to get a loan file through underwriting.


Assemble all the necessary paperwork and details for the underwriter.


They closely evaluate all the documentation in the loan package.


Documents are drawn and sent to the title company for closing.

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