Top 3 Mortgage Lenders in Totz

First Community Bank of the Heartland is a highly-rated community bank serving Southeastern Kentucky, including Harlan County where Totz is located. With over two decades of experience, they specialize in rural and mountain community lending with deep understanding of local property values and market conditions. They offer personalized service with local decision-making and competitive rates for various loan types including USDA loans which are particularly relevant for rural areas like Totz. Their strong community presence and commitment to customer service make them a top choice for mortgage lending in the region.

Republic Bank & Trust Company is a well-established Kentucky-based financial institution with a strong statewide presence that serves the Totz area through their regional operations. With nearly 50 years in business, they have extensive experience with Kentucky real estate markets and offer a comprehensive range of mortgage products. They are particularly noted for their competitive rates, transparent process, and excellent customer service. Their "Rate Seeker" program and various refinancing options make them a popular choice for Kentucky homeowners, and they have the capability to serve rural communities throughout the state.

Appalachian Regional Healthcare Federal Credit Union serves communities throughout Eastern Kentucky, including Harlan County and Totz area residents. As a credit union, they offer member-focused lending with typically lower rates and fees than traditional banks. They specialize in understanding the unique needs of Appalachian communities and have particular expertise with USDA rural development loans and affordable housing programs. Their personalized approach, local knowledge, and commitment to community development make them an excellent choice for mortgage lending in the Totz region, with many members praising their attentive service and competitive terms.