Mortgage Loans

Making you feel right at home.

When you are thinking of buying a home, it makes sense to work with a local lender who can expertly guide you through the mortgage process.  Since 1912, Peoples Exchange Bank has been helping homebuyers with a variety of loans to meet our customers different needs.  


With local decision-making, our mortgages are designed to make it a little easier to finance your home. 

  • Conventional Loans
  • VA Loans
  • FHA Loans
  • Rural Housing Loans
  • Lot Loans
  • Refinance
  • Construction Loans 

Relationships are everything.

Maybe you are talking with a lender, or worked with a particular Peoples Exchange Bank team member in the past.  Either way, if you'd like to apply with one of our lending experts, start your application by first finding them on our Meet the Team page.  That way your application will automatically get directed to them and you'll be on your way!

You found the perfect home, now let us help you with the perfect mortgage.

We understand that home buying can be intimidating.  That is why we streamline the process and keep a transparent line of communication.  

Apply online

More Information About Loan Accounts

What to do if you find an error on your account statement or if you want information about your loan account:

If you think there has been an error in the servicing of your account or if you would like to request information about your account, please write to us at:

Peoples Exchange Bank
ATTN: Loan Operations
P.O. Box 4040
Winchester, Kentucky 40392

In your letter, please provide the following information:

  • Account Information: Your name and loan number. You may also include the property address.
  • Description of Problem: If you believe there is an error in your account, describe what you believe is wrong and why it is a mistake.
  • Description of Information Requested: If you would like to receive information about your account, describe what information you are requesting.

You must send us written notices of errors and requests for information at the address listed above. Notices and requests sent to other addresses may not be responded to in a timely manner.

*All loans are subject to credit approval.