Top 3 Mortgage Lenders in Ferguson

First Financial Bank has been serving Kentucky communities for over three decades with a strong regional presence that extends to rural areas like Ferguson. They specialize in rural and small-town mortgage lending with particular expertise in USDA loans, which are ideal for Ferguson's location. Their mortgage team receives consistently high marks for personalized service, local underwriting decisions, and competitive rates. As a community-focused bank, they understand the unique needs of Eastern Kentucky homebuyers and offer flexible qualification standards.

Traditional Bank has deep roots in Central and Eastern Kentucky with multiple branches throughout the region. Their mortgage division is particularly noted for excellent service in rural communities and offers specialized programs for first-time homebuyers. They maintain local decision-making authority, which allows for more flexible underwriting compared to national lenders. Customers consistently praise their responsive loan officers, transparent process, and competitive closing costs. They have extensive experience with both urban and rural property financing throughout Kentucky.

While headquartered in Oregon, OnPoint Community Credit Union serves members nationwide and has developed a strong reputation for mortgage lending in rural areas including Kentucky. They offer particularly competitive rates for members and have specialized programs for rural properties. Their digital mortgage process is highly rated for efficiency while maintaining personal service. They receive consistent praise for low fees, rate competitiveness, and excellent customer service throughout the loan process. Membership is open to residents of Kentucky through various association partnerships.