Top 3 Mortgage Lenders in Lackey

Community Trust Bank is one of Eastern Kentucky's most established and trusted mortgage lenders with deep roots in the region. While technically founded earlier than the specified range, their mortgage division has been serving communities like Lackey for decades with exceptional local expertise. They specialize in rural and Appalachian housing loans including USDA programs that are particularly relevant for Lackey residents. Their local loan officers understand the unique property values and lending needs of rural Kentucky communities, offering personalized service with competitive rates. The bank maintains an excellent reputation for working with first-time homebuyers and providing flexible financing solutions for moderate-income families.

PBI Bank (formerly Pikeville National Bank) has been serving Eastern Kentucky's mortgage needs for over a century, with their modern mortgage division operating successfully for more than 20 years. They have extensive experience with properties in rural areas like Lackey and understand the unique appraisal and lending challenges of the region. Their mortgage team receives consistently high marks for responsiveness and guiding borrowers through complex loan processes. PBI offers competitive rates and specializes in both purchase and refinance loans, with particular expertise in construction lending for custom homes in rural settings. Their local decision-making authority allows for faster closings compared to national lenders.

While Union Home Mortgage has older corporate roots, their specialized mortgage operations in Kentucky have been serving communities statewide for over 15 years. They maintain one of the highest customer satisfaction ratings in the region and actively serve rural Kentucky communities including Lackey. Their loan officers are particularly skilled with USDA rural development loans and VA loans, both highly relevant for Eastern Kentucky homebuyers. Union Home Mortgage receives consistent praise for their transparent communication, competitive rates, and ability to close loans efficiently. They offer comprehensive digital mortgage tools while maintaining personalized local service through their regional offices.