Top 3 Mortgage Lenders in Hi Hat

Community Trust Bank stands as one of Eastern Kentucky's most trusted mortgage lenders with deep roots in the region. While headquartered in Pikeville (approximately 30 minutes from Hi Hat), they have extensive experience serving Floyd County and the entire Appalachian region. Their mortgage team specializes in rural housing loans including USDA programs that are particularly beneficial for Hi Hat residents. With over a century of community banking experience, they offer personalized service and understand the unique financial situations of Eastern Kentucky families. Their local decision-making process and competitive rates for mountain property financing make them a top choice.

Peoples Bank has been serving Eastern Kentucky communities for over a century with a strong focus on residential mortgage lending. Located in nearby Hazard (approximately 45 minutes from Hi Hat), they have built a reputation for exceptional customer service and deep understanding of rural Kentucky real estate. Their mortgage specialists are particularly skilled with USDA rural development loans and FHA financing, which are ideal for Hi Hat area properties. The bank maintains local underwriting and decision-making, ensuring quick turnaround times and personalized attention that national lenders can't match.

Home Federal Savings and Loan has been a cornerstone of Eastern Kentucky mortgage lending for generations, with their Prestonsburg location serving Floyd County residents including those in Hi Hat. They specialize in mountain property financing and understand the unique appraisal and lending challenges of rural Eastern Kentucky. Their mortgage team offers competitive rates with particular expertise in construction loans and rural property financing. As a community-focused institution, they provide the personal touch of local banking combined with comprehensive mortgage products, making them an excellent choice for Hi Hat area homebuyers seeking both expertise and personalized service.