Top 3 Mortgage Lenders in Phelps

Citizens National Bank stands out as a premier local mortgage lender with deep roots in Eastern Kentucky, serving Phelps and surrounding communities for over three decades. As a community bank with physical branches throughout the region, they offer personalized service and local underwriting decisions that national lenders can't match. Their mortgage team specializes in rural housing loans including USDA programs that are particularly relevant for Phelps residents. With consistently high customer satisfaction ratings and the ability to work directly with local loan officers, they provide competitive rates and flexible terms tailored to Eastern Kentucky's unique housing market. Their long-standing presence and commitment to the region make them a trusted choice for home financing.

Community Trust Bank has been serving Eastern Kentucky communities including Phelps for over a century, building an exceptional reputation for mortgage lending with local decision-making power. Their experienced loan officers understand the specific needs of rural Kentucky homebuyers and offer specialized USDA rural development loans that are ideal for the Phelps area. With multiple branch locations throughout the region, they provide convenient in-person service combined with competitive rates and terms. Customers consistently praise their responsive communication, streamlined application process, and commitment to finding the right mortgage solution for each borrower's unique situation. Their longevity and deep community involvement make them a reliable choice for Phelps residents.

Traditional Bank brings over 130 years of banking experience to Eastern Kentucky, with a strong mortgage division that actively serves Phelps and the surrounding Pike County region. While headquartered in Lexington, they maintain significant presence in Eastern Kentucky with multiple branches and dedicated mortgage professionals who understand the local market dynamics. They excel in providing construction loans and permanent financing solutions that are particularly valuable in rural areas like Phelps where new construction and property improvements are common. Their mortgage team receives high marks for professionalism, knowledge of available loan programs, and ability to guide borrowers through complex financing scenarios. With competitive rates and a commitment to community banking values, they offer a compelling alternative to larger national lenders.