DSCR Loans in Christian County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 36 lenders made 159 investment-property loans in Christian County, 2.0% of Kentucky's total. Dominick Prevete arranges DSCR loans across Christian County, Kentucky, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $275,000.
Christian County investor market at a glance
| Statistic | Christian County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 159 | 7,902 | 9th of 14 |
| Reporting lenders | 36 | 369 | 11th of 14 |
| Loan volume | $22.6M | $1.53B | 13th of 14 |
| Average loan | $142K | $193K | 13th of 14 |
| Median loan | $145K | $155K | 11th of 14 |
| Purchases | 61.6% | 58.5% | 7th of 14 |
| Cash-out refinances | 8.8% | 12.4% | 8th of 14 |
| 2–4 unit properties | 17.0% | 19.3% | 11th of 14 |
| Top five lenders' share | 71.7% | 15.4% | 1st of 14 |
| Reported business-purpose | 32.7% | 60.6% | 13th of 14 |
Christian County: closed-end loans on 1–4 unit investment properties. Christian County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Christian County's investor loans.
What stands out in Christian County
The five most active lenders wrote 71.7% of Christian County's investor loans, the highest share of Kentucky's 14 counties with published data (statewide: 15.4%).
Five lenders write 71.7% of the loans here, so comparing written term sheets matters more.
32.7% of Christian County's investor loans were reported as business-purpose, the 2nd-lowest share of Kentucky's 14 counties with published data (statewide: 60.6%).
Fewer investor loans here were reported as business-purpose than in most of Kentucky. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The average investor loan in Christian County was $142K, the 2nd-lowest average of Kentucky's 14 counties with published data (statewide: $193K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Christian County?
At HUD's fair market rent of $1,786 for a 3-bedroom in Christian County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $275,000, with 20% down at the 7.25% starting rate (November 2026). Christian County's median home value is $173,600; at that price the payment is $1,114 a month, so the property would need $1,125 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,307 / $1,786 / $2,185 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $173,600 |
| Median property taxes and effective rate | $1,126 (0.65% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,114 |
| Rent needed to cover that payment | $1,125 |
| Coverage of a 3-bedroom at fair market rent | 1.60 |
| Highest price a 3-bedroom at fair market rent covers | about $275,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Christian County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Christian County?
The most active investment-property lenders in Christian County in 2025 HMDA data were Planters Bank, Inc.; United Southern Bank; and Kiavi Funding, Inc., out of 36 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Christian County, and matches each file to the one most likely to fund it.
Christian County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 159 loans and $22.6M from 36 lenders. Planters Bank, Inc. led Christian County with 64 loans, 40.3% of the county's total, and the average Christian County loan of $142K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Planters Bank, Inc. | 64 | $8.6M | $135K | 85.9% |
| United Southern Bank | 25 | $3.6M | $143K | 60.0% |
| Kiavi Funding, Inc. | 16 | $1.8M | $113K | 0.0% |
| Rocket Mortgage, LLC | 5 | $0.9M | $175K | 60.0% |
| United Wholesale Mortgage | 4 | $0.4M | $108K | 50.0% |
| FNB Bank, Inc. | 3 | $0.5M | $172K | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.5M | $172K | 33.3% |
| CMG MORTGAGE, INC. | 3 | $0.5M | $162K | 33.3% |
| Fortera Federal Credit Union | 3 | $0.4M | $138K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.8M | $390K | 50.0% |
| AMWEST FUNDING CORP. | 2 | $0.4M | $185K | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | $0.3M | $165K | 0.0% |
| Loan Funder LLC | 2 | $0.2M | $110K | 0.0% |
| F&M Bank | 2 | $0.1M | $75K | 100.0% |
| GERSHMAN INVESTMENT CORP. | 2 | $0.1M | $45K | 100.0% |
| CV3 Financial Services, LLC | 1 | $0.5M | $525K | 100.0% |
| L & N Federal Credit Union | 1 | $0.4M | $415K | 100.0% |
| Liberty | 1 | $0.3M | $295K | 100.0% |
| First Financial Bank, National Association | 1 | $0.3M | $275K | 100.0% |
| NEWREZ LLC | 1 | $0.2M | $245K | 0.0% |
| Farm Credit Mid-America | 1 | $0.2M | $185K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | $0.2M | $175K | 100.0% |
| Truist Bank | 1 | $0.2M | $155K | 100.0% |
| Mortgage Research Center, LLC | 1 | $0.1M | $145K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | $0.1M | $135K | 0.0% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Christian County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Christian County CSV, all 25 lenders
What Christian County's table can't show you: fit. Short-term financing is exempt from HMDA, so Christian County's fix-and-flip and bridge lenders barely appear among its 36 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Christian County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Christian County |
|---|---|---|---|
| Montgomery County, TN | 594 | 128 | Borders Christian County |
| Robertson County, TN | 151 | 46 | About 45 miles away |
| Warren County, KY | 414 | 58 | About 60 miles away |
| Daviess County, KY | 186 | 35 | About 60 miles away |
| McCracken County, KY | 165 | 35 | About 70 miles away |
| Vanderburgh County, IN | 396 | 68 | About 80 miles away |
Run the coverage test on your Christian County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Christian County, Kentucky property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Christian County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 36 lenders and 159 loans: 2025 HMDA loan-level data rolled up to Christian County.
- Christian County investor-lender dataset (CSV) — All 25 lenders in the Christian County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Christian County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Clarksville, TN-KY HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Christian County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.