DSCR Loans in Fayette County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 126 lenders made 793 investment-property loans in Fayette County, 10.0% of Kentucky's total. Dominick Prevete arranges DSCR loans across Fayette 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 $295,000.
Fayette County investor market at a glance
| Statistic | Fayette County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 793 | 7,902 | 2nd of 14 |
| Reporting lenders | 126 | 369 | 2nd of 14 |
| Loan volume | $194.3M | $1.53B | 2nd of 14 |
| Average loan | $245K | $193K | 2nd of 14 |
| Median loan | $205K | $155K | 2nd of 14 |
| Purchases | 57.4% | 58.5% | 10th of 14 |
| Cash-out refinances | 13.5% | 12.4% | 5th of 14 |
| 2–4 unit properties | 20.1% | 19.3% | 7th of 14 |
| Top five lenders' share | 30.4% | 15.4% | 13th of 14 |
| Reported business-purpose | 67.3% | 60.6% | 7th of 14 |
Fayette County: closed-end loans on 1–4 unit investment properties. Fayette County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Fayette County's investor loans.
What stands out in Fayette County
The median investor loan in Fayette County was $205K, the 2nd-highest median of Kentucky's 14 counties with published data (statewide: $155K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 30.4% of Fayette County's investor loans, the 2nd-lowest share of Kentucky's 14 counties with published data (statewide: 15.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Fayette County?
At HUD's fair market rent of $1,948 for a 3-bedroom in Fayette County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $295,000, with 20% down at the 7.25% starting rate (November 2026). Fayette County's median home value is $293,500; at that price the payment is $1,936 a month, so the property would need $1,950 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) | $1,416 / $1,948 / $2,108 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $293,500 |
| Median property taxes and effective rate | $2,542 (0.87% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,936 |
| Rent needed to cover that payment | $1,950 |
| Coverage of a 3-bedroom at fair market rent | 1.01 |
| Highest price a 3-bedroom at fair market rent covers | about $295,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $425,000 |
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 Fayette County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Fayette County?
The most active investment-property lenders in Fayette County in 2025 HMDA data were COMMONWEALTH; Traditional Bank, Inc.; and Bank of Lexington, Inc., out of 126 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 Fayette County, and matches each file to the one most likely to fund it.
Fayette County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 793 loans and $194.3M from 126 lenders. COMMONWEALTH led Fayette County with 62 loans, 7.8% of the county's total, and the average Fayette County loan of $245K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| COMMONWEALTH | 62 | $15.4M | $248K | 43.5% |
| Traditional Bank, Inc. | 54 | $14.7M | $272K | 64.8% |
| Bank of Lexington, Inc. | 53 | $13.2M | $248K | 56.6% |
| Central Bank & Trust Company | 38 | $8.5M | $223K | 89.5% |
| Peoples Exchange Bank | 34 | $9.0M | $265K | 50.0% |
| Bank of the Bluegrass and Trust Company | 32 | $7.8M | $244K | 37.5% |
| United Wholesale Mortgage | 32 | $7.3M | $228K | 46.9% |
| The Home Savings and Loan Company of Kenton, Ohio | 21 | $4.9M | $234K | 0.0% |
| JPMorgan Chase Bank, National Association | 20 | $4.5M | $227K | 75.0% |
| UNIVERSITY OF KENTUCKY | 19 | $5.7M | $299K | 52.6% |
| AMWEST FUNDING CORP. | 18 | $4.8M | $267K | 72.2% |
| Stock Yards Bank & Trust Company | 18 | $4.1M | $230K | 61.1% |
| Community Trust Bank, Inc. | 17 | $3.8M | $224K | 58.8% |
| Guardian Savings Bank | 16 | $3.2M | $199K | 62.5% |
| City National Bank of West Virginia | 15 | $4.3M | $290K | 60.0% |
| Rocket Mortgage, LLC | 12 | $2.3M | $188K | 58.3% |
| The Monticello Banking Company | 11 | $4.9M | $445K | 36.4% |
| FIELD & MAIN BANK, INC. | 11 | $3.3M | $304K | 63.6% |
| Republic Bank & Trust Company | 11 | $2.2M | $204K | 63.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | $2.2M | $196K | 63.6% |
| BPL MORTGAGE TRUST, LLC | 11 | $1.5M | $134K | 18.2% |
| STOCKTON MORTGAGE CORPORATION | 10 | $1.8M | $179K | 80.0% |
| Independence Bank of Kentucky | 9 | $2.7M | $304K | 66.7% |
| Luminate Bank | 9 | $2.1M | $231K | 100.0% |
| Kiavi Funding, Inc. | 9 | $1.5M | $166K | 33.3% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Fayette County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Fayette County CSV, all 25 lenders
What Fayette County's table can't show you: fit. Short-term financing is exempt from HMDA, so Fayette County's fix-and-flip and bridge lenders barely appear among its 126 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 Fayette County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Fayette County |
|---|---|---|---|
| Jessamine County, KY | 142 | 38 | Borders Fayette County |
| Scott County, KY | 116 | 44 | Borders Fayette County |
| Madison County, KY | 155 | 53 | Borders Fayette County |
| Kenton County, KY | 396 | 88 | About 60 miles away |
Run the coverage test on your Fayette County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Fayette 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 — Fayette County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 126 lenders and 793 loans: 2025 HMDA loan-level data rolled up to Fayette County.
- Fayette County investor-lender dataset (CSV) — All 25 lenders in the Fayette County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Fayette 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 Lexington-Fayette, KY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Fayette 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.