Log In  |  Contact Us  |  Help
About Us

We have built a strong reputation as an outstanding mortgage lender, serving the lending needs of real estate professionals, builders and individual homebuyers throughout our lending area. We genuinely care about the members of our community, and strive to make your experience of establishing a home, a comfortable and financially sound one.

Somerset Trust Company is a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs. But that's just the beginning of our service. Throughout the lending process, we can provide regular loan updates and progress reports so you always know the status of your loan.

And, now it's our pleasure to offer all of our exceptional mortgage services online. Through Somerset Trust Company, you will have access to the best loans available in the marketplace, plus you can also review loan alternatives, and even apply for your loan, at your convenience, online - 24 hours a day.

Meet our Mortgage Originators!

Jim Morris (NMLS ID#716960) has been involved in mortgage banking & the real estate industry for over 35 years and has been with Somerset Trust since 2009. As a Mortgage Banker he was President  & CEO for two outstanding mortgage companies. He and his companies developed mortgage programs for customers purchasing and refinancing homes in approximately 20 counties in Pennsylvania. His extensive knowledge of government mortgage programs has been an asset in our development of USDA loans. Jim prepares mortgage applications for our Fayette and Westmoreland County customers.

Lynn Judy (NMLS ID#716969) covers our Somerset offices, and has been in the banking industry for 15 years. In her five years with Somerset Trust, she managed one of the Somerset branches before focusing her attention in the Mortgage department almost two years ago.

Kristi Japalucci (NMLS ID#716968) handles our Cambria County Mortgage Division with more than 10 years at Somerset Trust Company. She is currently attending Graduate School at IUP and is a 2005 graduate of Cambria County's Gunter Leadership Program. She is also a member of the Junior Achievement leadership council.

Judy Cole (NMLS ID#717230) has been originating mortgages for Somerset Trust at the bank's main office for five years serving Somerset County. With her 30+ years of experience in the banking and lending industry, she is well versed in the complexities of many mortgage programs. Judy is a Somerset County native who is knowledgeable about the area and the benefits of our various mortgages.

Carol Tokar (NMLS ID#1139784) covers our Somerset Office.  Carol is a Somerset County native and has 30 years of experience in the banking and lending industry.


A knowledgeable mortgage specialist is available to serve you at any Somerset Trust Company branch throughout Somerset, Cambria, Bedford, Westmoreland, and Fayette Counties, and in Grantsville, Maryland.

Thank you for visiting our website. We look forward to putting our mortgage services to work for you!

Somerset Trust Company NMLS #1177545
151 W Main Street, Somerset, PA  15501
Toll Free:  (800) 972-1651
Copyright © 2016 Somerset Trust Company
Member FDIC, Equal Housing Lender
Privacy Policy  | Security Statement  |  Site Map