Top 3 Mortgage Lenders in Oneida

Billy R. Smith and his team are highly regarded throughout Southeastern Kentucky, including the Oneida area, with exceptional customer ratings and deep local market knowledge. As part of Movement Mortgage, they offer competitive rates with the backing of a national lender while maintaining personalized local service. Specializing in rural property financing including USDA loans, which are particularly relevant for the Oneida region, they're known for their efficient processing and commitment to first-time homebuyers. Their London location serves as a hub for Clay County and surrounding areas.

As one of the most established financial institutions in Eastern Kentucky, Community Trust Bank has deep roots serving rural communities including Oneida in Clay County. With multiple branches throughout the region, they offer localized mortgage expertise with the stability of a century-old community bank. Their mortgage team understands the unique needs of rural Kentucky homebuyers and offers competitive construction and land loans. The bank consistently receives high marks for personal service, local decision-making, and community involvement throughout their service area.

Forcht Bank has built a strong reputation throughout Central and Eastern Kentucky with multiple locations serving rural communities like Oneida. Their mortgage department specializes in Kentucky-specific property financing, including rural development loans that are ideal for the Clay County area. As a community-focused bank, they offer personalized service with local underwriting and decision-making. They're particularly noted for their construction-to-permanent loan programs and expertise with rural property appraisals. Their London branch serves as a key mortgage center for the surrounding counties.