DSCR Loans in Jefferson County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 182 lenders made 1,842 investment-property loans in Jefferson County, 23.3% of Kentucky's total. Dominick Prevete arranges DSCR loans across Jefferson 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 $245,000.
Jefferson County investor market at a glance
| Statistic | Jefferson County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 1,842 | 7,902 | 1st of 14 |
| Reporting lenders | 182 | 369 | 1st of 14 |
| Loan volume | $355.9M | $1.53B | 1st of 14 |
| Average loan | $193K | $193K | 8th of 14 |
| Median loan | $155K | $155K | 10th of 14 |
| Purchases | 50.0% | 58.5% | 13th of 14 |
| Cash-out refinances | 18.0% | 12.4% | 3rd of 14 |
| 2–4 unit properties | 15.2% | 19.3% | 12th of 14 |
| Top five lenders' share | 36.3% | 15.4% | 12th of 14 |
| Reported business-purpose | 71.8% | 60.6% | 6th of 14 |
Jefferson County: closed-end loans on 1–4 unit investment properties. Jefferson County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Jefferson County's investor loans.
What stands out in Jefferson County
50.0% of Jefferson County's investor loans were purchases, the 2nd-lowest share of Kentucky's 14 counties with published data (statewide: 58.5%).
Refinances are a larger share here than in most of Kentucky. A DSCR refinance qualifies on the property's current rent.
18.0% of Jefferson County's investor loans were cash-out refinances, the 3rd-highest share of Kentucky's 14 counties with published data (statewide: 12.4%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
15.2% of Jefferson County's investor loans financed a 2–4 unit property, the 3rd-lowest share of Kentucky's 14 counties with published data (statewide: 19.3%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Jefferson County?
At HUD's fair market rent of $1,629 for a 3-bedroom in Jefferson County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Jefferson County's median home value is $248,400; at that price the payment is $1,637 a month, so the property would need $1,650 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,276 / $1,629 / $1,874 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $248,400 |
| Median property taxes and effective rate | $2,136 (0.86% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,637 |
| Rent needed to cover that payment | $1,650 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
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 Jefferson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Jefferson County?
The most active investment-property lenders in Jefferson County in 2025 HMDA data were United Wholesale Mortgage; River City Bank, Inc.; and MM LENDING, LLC, out of 182 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 Jefferson County, and matches each file to the one most likely to fund it.
Jefferson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,842 loans and $355.9M from 182 lenders. United Wholesale Mortgage led Jefferson County with 186 loans, 10.1% of the county's total, and the average Jefferson County loan of $193K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 186 | $30.1M | $162K | 51.1% |
| River City Bank, Inc. | 161 | $28.6M | $178K | 79.5% |
| MM LENDING, LLC | 128 | $21.9M | $171K | 0.0% |
| Northpointe Bank | 119 | $18.5M | $156K | 27.7% |
| Stock Yards Bank & Trust Company | 75 | $20.7M | $276K | 60.0% |
| Kiavi Funding, Inc. | 65 | $10.4M | $160K | 44.6% |
| THE LOAN STORE, INC. | 63 | $11.2M | $178K | 74.6% |
| Wilson & Muir Bank & Trust Company | 50 | $9.6M | $192K | 64.0% |
| Park Federal Credit Union | 50 | $6.3M | $126K | 30.0% |
| Rocket Mortgage, LLC | 45 | $7.9M | $176K | 73.3% |
| AMERICAN HERITAGE LENDING, LLC | 39 | $6.0M | $154K | 23.1% |
| DOMINION FINANCIAL SERVICES, LLC | 36 | $4.6M | $128K | 5.6% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 34 | $5.4M | $158K | 26.5% |
| DEEPHAVEN MORTGAGE LLC | 31 | $5.9M | $190K | 32.3% |
| KIND LENDING, LLC | 28 | $5.2M | $187K | 50.0% |
| Republic Bank & Trust Company | 26 | $7.3M | $280K | 57.7% |
| COMMONWEALTH | 26 | $4.7M | $179K | 30.8% |
| Liberty | 23 | $10.1M | $437K | 26.1% |
| Independence Bank of Kentucky | 21 | $4.7M | $226K | 71.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | $3.8M | $212K | 61.1% |
| INTERLINC MORTGAGE SERVICES, LLC | 18 | $3.0M | $169K | 88.9% |
| First Harrison Bank | 17 | $2.5M | $146K | 41.2% |
| United Citizens Bank & Trust Company | 16 | $3.2M | $199K | 37.5% |
| L & N Federal Credit Union | 15 | $11.5M | $766K | 53.3% |
| BPL MORTGAGE TRUST, LLC | 15 | $2.4M | $162K | 6.7% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Jefferson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Jefferson County CSV, all 25 lenders
What Jefferson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Jefferson County's fix-and-flip and bridge lenders barely appear among its 182 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 Jefferson County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Jefferson County |
|---|---|---|---|
| Clark County, IN | 218 | 63 | Borders Jefferson County |
| Floyd County, IN | 151 | 55 | Borders Jefferson County |
| Hardin County, KY | 262 | 54 | Borders Jefferson County |
| Scott County, KY | 116 | 44 | About 60 miles away |
| Jessamine County, KY | 142 | 38 | About 60 miles away |
| Madison County, KY | 155 | 53 | About 80 miles away |
Run the coverage test on your Jefferson County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jefferson 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 — Jefferson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 182 lenders and 1,842 loans: 2025 HMDA loan-level data rolled up to Jefferson County.
- Jefferson County investor-lender dataset (CSV) — All 25 lenders in the Jefferson County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Jefferson 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 Louisville, KY-IN HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Jefferson 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.