Based on our research, PBT Bancorp Mortgage is reportedly a division of Peoples Bank & Trust Company of Hazard, which claims to have been serving Perry County and surrounding areas since 1923 with mortgage financing services.
Call Us
(833) 829-9096
Email Us
[email protected]
Location
524 Main St. Hazard, KY
Hours
Daily: 9am - 6pm
© 2025 Peoples Bank & Trust Company of Hazard dba PBT Bancorp. All Rights Reserved.
Credibility Score
Last updated: Dec 25, 2025
According to available records, this institution has been operating in the region since 1923
Records indicate that Peoples Bank & Trust Company of Hazard was established in 1923 and has maintained operations in Perry County and surrounding areas. The institution appears to have built its presence through serving local families and businesses over multiple generations.
PBT Mortgage is advertised as a division of Peoples Bank & Trust (now PBT Bancorp). According to their marketing materials, they offer mortgage solutions for home purchases, refinancing, and property investments, with claims of providing personalized service to borrowers.
Based on our research, the lender advertises various loan programs including FHA, VA, and conventional mortgages. They also mention specialized products such as DSCR loans for investors and reverse mortgages. Their website indicates they work with borrowers to find financing options and competitive rates.
The lender positions itself as a regional institution combining longstanding community presence with current mortgage lending practices. They emphasize their history and local connections in their marketing approach.
Based on our research, the lender advertises the following mortgage programs
According to their website, they offer Federal Housing Administration loans with advertised features including low down payments (as low as 3.5%) and flexible credit requirements. Marketed toward first-time homebuyers.
They advertise VA-backed home loans for eligible veterans, active duty service members, and their families. Claims include zero down payment, no private mortgage insurance, and competitive interest rates.
Traditional financing options are listed with flexible terms and competitive rates. According to their materials, these are suitable for buyers with strong credit looking to purchase primary residences, second homes, or investment properties.
Debt Service Coverage Ratio loans are advertised as being designed for real estate investors. The lender claims these loans qualify based on the property's rental income potential rather than personal income documentation.
Government-backed Home Equity Conversion Mortgages (HECM) are offered for homeowners 62+ to convert home equity into cash. The lender advertises this as allowing borrowers to access funds without monthly mortgage payments while maintaining ownership.
Refinancing solutions are advertised to lower interest rates, reduce monthly payments, or access home equity. They mention both rate-and-term and cash-out refinance options.
Aggregated reviews and testimonials we've found from various sources about this lender
2 weeks ago
"Working with PBT Bancorp was an absolute pleasure! Their team made the VA loan process seamless. They truly care about the local community and it shows in their personalized service."
1 month ago
"Been banking with them for years. When it was time to buy my first home, PBT Mortgage made the FHA process easy. Competitive rates and excellent local service. Highly recommend!"
1 month ago
"PBT helped finance my investment property with a DSCR loan. The process was straightforward and their expertise with investor loans was impressive. Great rates too!"
2 months ago
"Refinanced my mortgage through PBT and saved over $300/month. The team was professional and responsive. A trusted name in Eastern Kentucky for good reason!"
2 months ago
"100 years in business says it all. PBT Mortgage helped my parents with a reverse mortgage. The team was patient and explained everything clearly. True professionals."
3 months ago
"Conventional mortgage with great terms. The local knowledge and community connection of PBT Bancorp really makes a difference. They understand the Kentucky market!"
If you're considering this lender, we recommend contacting them directly to verify current rates, programs, and terms. Always compare multiple lenders before making your decision.
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