DSCR Loans in Hardin County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 54 lenders made 262 investment-property loans in Hardin County, 3.3% of Kentucky's total. Dominick Prevete arranges DSCR loans across Hardin 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 $230,000.
Hardin County investor market at a glance
| Statistic | Hardin County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 262 | 7,902 | 5th of 14 |
| Reporting lenders | 54 | 369 | 7th of 14 |
| Loan volume | $46.7M | $1.53B | 6th of 14 |
| Average loan | $178K | $193K | 10th of 14 |
| Median loan | $165K | $155K | 8th of 14 |
| Purchases | 66.8% | 58.5% | 5th of 14 |
| Cash-out refinances | 7.6% | 12.4% | 12th of 14 |
| 2–4 unit properties | 21.0% | 19.3% | 6th of 14 |
| Top five lenders' share | 62.6% | 15.4% | 4th of 14 |
| Reported business-purpose | 44.3% | 60.6% | 11th of 14 |
Hardin County: closed-end loans on 1–4 unit investment properties. Hardin County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hardin County's investor loans.
What stands out in Hardin County
7.6% of Hardin County's investor loans were cash-out refinances, the 3rd-lowest share of Kentucky's 14 counties with published data (statewide: 12.4%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Hardin County's 262 investor loans ranked 5th of Kentucky's 14 counties with published data.
Does a DSCR loan pencil in Hardin County?
At HUD's fair market rent of $1,505 for a 3-bedroom in Hardin County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Hardin County's median home value is $225,800; at that price the payment is $1,450 a month, so the property would need $1,450 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) | $1,087 / $1,505 / $1,817 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $225,800 |
| Median property taxes and effective rate | $1,480 (0.66% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,450 |
| Rent needed to cover that payment | $1,450 |
| Coverage of a 3-bedroom at fair market rent | 1.04 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $335,000 |
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 Hardin County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hardin County?
The most active investment-property lenders in Hardin County in 2025 HMDA data were West Point Bank; The Cecilian Bank; and SOUTH CENTRAL BANK, INC., out of 54 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 Hardin County, and matches each file to the one most likely to fund it.
Hardin County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 262 loans and $46.7M from 54 lenders. West Point Bank led Hardin County with 87 loans, 33.2% of the county's total, and the average Hardin County loan of $178K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| West Point Bank | 87 | $13.2M | $152K | 70.1% |
| The Cecilian Bank | 25 | $4.3M | $174K | 64.0% |
| SOUTH CENTRAL BANK, INC. | 21 | $4.0M | $189K | 76.2% |
| Wilson & Muir Bank & Trust Company | 16 | $2.6M | $165K | 68.8% |
| Magnolia Bank, Incorporated | 15 | $2.8M | $186K | 80.0% |
| Meade County Bank | 15 | $2.6M | $172K | 80.0% |
| Abound Federal Credit Union | 9 | $1.3M | $148K | 33.3% |
| United Wholesale Mortgage | 7 | $1.6M | $232K | 71.4% |
| THE LOAN STORE, INC. | 4 | $0.6M | $160K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.6M | $205K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.5M | $172K | 0.0% |
| OCMBC, INC. | 3 | $0.5M | $155K | 0.0% |
| Northpointe Bank | 3 | $0.4M | $122K | 33.3% |
| Bank of Buffalo | 2 | $2.2M | $1095K | 100.0% |
| A&D Mortgage LLC | 2 | $0.6M | $310K | 0.0% |
| River City Bank, Inc. | 2 | $0.6M | $275K | 100.0% |
| Texana Bank, National Association | 2 | $0.5M | $270K | 100.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | $0.5M | $235K | 0.0% |
| INSPIRE HOME LOANS INC. | 2 | $0.4M | $205K | 50.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | $0.4M | $190K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.4M | $190K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.3M | $135K | 50.0% |
| 21st Mortgage Corporation | 2 | $0.1M | $60K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | $0.3M | $305K | 100.0% |
| MISSION LOANS, LLC | 1 | $0.3M | $295K | 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 Hardin County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Hardin County CSV, all 25 lenders
What Hardin County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hardin County's fix-and-flip and bridge lenders barely appear among its 54 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 Hardin County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Hardin County |
|---|---|---|---|
| Jefferson County, KY | 1,842 | 182 | Borders Hardin County |
| Floyd County, IN | 151 | 55 | About 45 miles away |
| Warren County, KY | 414 | 58 | About 55 miles away |
| Clark County, IN | 218 | 63 | About 55 miles away |
| Daviess County, KY | 186 | 35 | About 60 miles away |
| Vanderburgh County, IN | 396 | 68 | About 90 miles away |
Run the coverage test on your Hardin County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hardin 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 — Hardin County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 54 lenders and 262 loans: 2025 HMDA loan-level data rolled up to Hardin County.
- Hardin County investor-lender dataset (CSV) — All 25 lenders in the Hardin County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hardin 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 Elizabethtown, KY HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hardin 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.