DSCR Loans in 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)
Dominick Prevete arranges DSCR loans across 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. In 2025 HMDA data, 369 lenders made 7,902 investment-property loans in Kentucky; the most active are in the table below, and 14 counties have their own page.
Kentucky investor market at a glance
| Statistic | Kentucky | National | State rank |
|---|---|---|---|
| Investor loans | 7,902 | 553,332 | 27th of 51 |
| Reporting lenders | 369 | 4,120 | 26th of 51 |
| Loan volume | $1.53B | $190.57B | 31st of 51 |
| Average loan | $193K | $344K | 42nd of 51 |
| Median loan | $155K | — | 38th of 51 |
| Purchases | 58.5% | 59.2% | 32nd of 51 |
| Cash-out refinances | 12.4% | 18.8% | 38th of 51 |
| 2–4 unit properties | 19.3% | 17.3% | 21st of 51 |
| Top five lenders' share | 15.4% | 21.9% | 48th of 51 |
| Reported business-purpose | 60.6% | 70.8% | 42nd of 51 |
Kentucky: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Kentucky
The five most active lenders wrote 15.4% of Kentucky's investor loans, the 4th-lowest share of the 50 states and DC (national figure: 21.9%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
60.6% of Kentucky's investor loans were reported as business-purpose, the 10th-lowest share of the 50 states and DC (national figure: 70.8%).
Fewer investor loans here were reported as business-purpose than in most of the 50 states and DC. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The average investor loan in Kentucky was $193K, the 10th-lowest average of the 50 states and DC (national figure: $344K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Kentucky?
The most active investment-property lenders in Kentucky in 2025 HMDA data were United Wholesale Mortgage; SOUTH CENTRAL BANK, INC.; and MM LENDING, LLC, out of 369 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 several that reported in Kentucky, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Kentucky's 2025 filings to closed-end loans on 1–4 unit investment properties: 7,902 loans totaling $1.53B across 369 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 375 | $65.4M | $174K | 48.0% |
| SOUTH CENTRAL BANK, INC. | 226 | $45.4M | $201K | 72.6% |
| MM LENDING, LLC | 216 | $37.0M | $171K | 0.0% |
| Independence Bank of Kentucky | 211 | $35.9M | $170K | 72.0% |
| Kiavi Funding, Inc. | 189 | $32.9M | $174K | 52.4% |
| River City Bank, Inc. | 183 | $38.9M | $212K | 78.1% |
| Community Trust Bank, Inc. | 181 | $29.7M | $164K | 73.5% |
| Northpointe Bank | 172 | $30.1M | $175K | 29.1% |
| American Bank & Trust Company, Inc. | 156 | $49.0M | $314K | 60.3% |
| Traditional Bank, Inc. | 149 | $33.2M | $223K | 64.4% |
| Stock Yards Bank & Trust Company | 144 | $37.9M | $263K | 62.5% |
| West Point Bank | 142 | $21.1M | $148K | 73.9% |
| COMMONWEALTH | 135 | $34.7M | $257K | 33.3% |
| Rocket Mortgage, LLC | 120 | $20.0M | $167K | 56.7% |
| Farmers Bank and Trust Company | 108 | $17.0M | $157K | 75.9% |
| THE LOAN STORE, INC. | 100 | $18.2M | $182K | 74.0% |
| Peoples Exchange Bank | 96 | $20.2M | $211K | 60.4% |
| Wilson & Muir Bank & Trust Company | 94 | $17.6M | $187K | 67.0% |
| First Southern National Bank | 94 | $13.9M | $148K | 66.0% |
| Whitaker Bank | 94 | $13.7M | $146K | 54.3% |
| Liberty | 90 | $21.5M | $239K | 73.3% |
| The Monticello Banking Company | 87 | $17.7M | $204K | 74.7% |
| The Cecilian Bank | 84 | $12.9M | $153K | 70.2% |
| German American Bank | 82 | $12.2M | $149K | 65.9% |
| Franklin Bank & Trust Company | 81 | $15.7M | $194K | 66.7% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 369 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Kentucky lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's 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.
DSCR loans by county in Kentucky
Each county page compares the county's 2025 HMDA investor-lending figures with Kentucky's and names its most active lenders. Counties are listed by investor loan count.
14 Kentucky counties have their own page so far.
- Jefferson County1,842 loans
- Fayette County793 loans
- Warren County414 loans
- Kenton County396 loans
- Hardin County262 loans
- Campbell County218 loans
- Daviess County186 loans
- McCracken County165 loans
- Christian County159 loans
- Madison County155 loans
- Boone County148 loans
- Jessamine County142 loans
- Scott County116 loans
- Boyd County102 loans
- Franklin County (fewer than 100 investor loans in 2025)98 loans
- Barren County (fewer than 100 investor loans in 2025)96 loans
- Henderson County (fewer than 100 investor loans in 2025)84 loans
- Pulaski County (fewer than 100 investor loans in 2025)81 loans
- Shelby County (fewer than 100 investor loans in 2025)79 loans
- Hopkins County (fewer than 100 investor loans in 2025)77 loans
- Nelson County (fewer than 100 investor loans in 2025)76 loans
- Bullitt County (fewer than 100 investor loans in 2025)67 loans
- Clark County (fewer than 100 investor loans in 2025)65 loans
- Oldham County (fewer than 100 investor loans in 2025)65 loans
- Simpson County (fewer than 100 investor loans in 2025)60 loans
- Graves County (fewer than 100 investor loans in 2025)56 loans
- Meade County (fewer than 100 investor loans in 2025)55 loans
- Larue County (fewer than 100 investor loans in 2025)53 loans
- Marshall County (fewer than 100 investor loans in 2025)53 loans
- Allen County (fewer than 100 investor loans in 2025)51 loans
- Greenup County (fewer than 100 investor loans in 2025)51 loans
- Boyle County (fewer than 100 investor loans in 2025)47 loans
- Grayson County (fewer than 100 investor loans in 2025)47 loans
- Bourbon County (fewer than 100 investor loans in 2025)45 loans
- Logan County (fewer than 100 investor loans in 2025)45 loans
- Woodford County (fewer than 100 investor loans in 2025)45 loans
- Calloway County (fewer than 100 investor loans in 2025)44 loans
- Edmonson County (fewer than 100 investor loans in 2025)43 loans
- Laurel County (fewer than 100 investor loans in 2025)43 loans
- Carter County (fewer than 100 investor loans in 2025)41 loans
- Muhlenberg County (fewer than 100 investor loans in 2025)39 loans
- Anderson County (fewer than 100 investor loans in 2025)38 loans
- Mercer County (fewer than 100 investor loans in 2025)38 loans
- Grant County (fewer than 100 investor loans in 2025)36 loans
- Whitley County (fewer than 100 investor loans in 2025)35 loans
- Breckinridge County (fewer than 100 investor loans in 2025)33 loans
- Hart County (fewer than 100 investor loans in 2025)32 loans
- Montgomery County (fewer than 100 investor loans in 2025)32 loans
- Lincoln County (fewer than 100 investor loans in 2025)31 loans
- Ohio County (fewer than 100 investor loans in 2025)30 loans
- Garrard County (fewer than 100 investor loans in 2025)29 loans
- Fleming County (fewer than 100 investor loans in 2025)27 loans
- Powell County (fewer than 100 investor loans in 2025)27 loans
- Wayne County (fewer than 100 investor loans in 2025)26 loans
- Ballard County (fewer than 100 investor loans in 2025)25 loans
- Harrison County (fewer than 100 investor loans in 2025)25 loans
- Rowan County (fewer than 100 investor loans in 2025)25 loans
- Spencer County (fewer than 100 investor loans in 2025)25 loans
- Trigg County (fewer than 100 investor loans in 2025)25 loans
- Bell County (fewer than 100 investor loans in 2025)23 loans
- Pike County (fewer than 100 investor loans in 2025)23 loans
- Butler County (fewer than 100 investor loans in 2025)22 loans
- Knox County (fewer than 100 investor loans in 2025)20 loans
- Livingston County (fewer than 100 investor loans in 2025)20 loans
- Mason County (fewer than 100 investor loans in 2025)20 loans
- Carroll County (fewer than 100 investor loans in 2025)19 loans
- Wolfe County (fewer than 100 investor loans in 2025)19 loans
- Lyon County (fewer than 100 investor loans in 2025)17 loans
- Pendleton County (fewer than 100 investor loans in 2025)17 loans
- Menifee County (fewer than 100 investor loans in 2025)16 loans
- Russell County (fewer than 100 investor loans in 2025)16 loans
- Monroe County (fewer than 100 investor loans in 2025)15 loans
- McLean County (fewer than 100 investor loans in 2025)13 loans
- Metcalfe County (fewer than 100 investor loans in 2025)13 loans
- Taylor County (fewer than 100 investor loans in 2025)13 loans
- Todd County (fewer than 100 investor loans in 2025)13 loans
- Henry County (fewer than 100 investor loans in 2025)12 loans
- Owen County (fewer than 100 investor loans in 2025)12 loans
- Caldwell County (fewer than 100 investor loans in 2025)11 loans
- Crittenden County (fewer than 100 investor loans in 2025)11 loans
- Carlisle County (fewer than 100 investor loans in 2025)10 loans
- Gallatin County (fewer than 100 investor loans in 2025)10 loans
- Lewis County (fewer than 100 investor loans in 2025)10 loans
- Nicholas County (fewer than 100 investor loans in 2025)10 loans
- Webster County (fewer than 100 investor loans in 2025)10 loans
- Adair County (fewer than 100 investor loans in 2025)9 loans
- Trimble County (fewer than 100 investor loans in 2025)9 loans
- Bath County (fewer than 100 investor loans in 2025)8 loans
- Bracken County (fewer than 100 investor loans in 2025)8 loans
- Estill County (fewer than 100 investor loans in 2025)8 loans
- Harlan County (fewer than 100 investor loans in 2025)8 loans
- McCreary County (fewer than 100 investor loans in 2025)8 loans
- Hickman County (fewer than 100 investor loans in 2025)7 loans
- Lawrence County (fewer than 100 investor loans in 2025)7 loans
- Lee County (fewer than 100 investor loans in 2025)7 loans
- Floyd County (fewer than 100 investor loans in 2025)6 loans
- Green County (fewer than 100 investor loans in 2025)6 loans
- Rockcastle County (fewer than 100 investor loans in 2025)6 loans
- Union County (fewer than 100 investor loans in 2025)6 loans
- Morgan County (fewer than 100 investor loans in 2025)5 loans
- Washington County (fewer than 100 investor loans in 2025)5 loans
- Knott County (fewer than 100 investor loans in 2025)4 loans
- Perry County (fewer than 100 investor loans in 2025)4 loans
- Casey County (fewer than 100 investor loans in 2025)3 loans
- Clinton County (fewer than 100 investor loans in 2025)3 loans
- Johnson County (fewer than 100 investor loans in 2025)3 loans
- Marion County (fewer than 100 investor loans in 2025)3 loans
- Martin County (fewer than 100 investor loans in 2025)3 loans
- Breathitt County (fewer than 100 investor loans in 2025)2 loans
- Jackson County (fewer than 100 investor loans in 2025)2 loans
- Letcher County (fewer than 100 investor loans in 2025)2 loans
- Owsley County (fewer than 100 investor loans in 2025)2 loans
- Elliott County (fewer than 100 investor loans in 2025)1 loans
- Fulton County (fewer than 100 investor loans in 2025)1 loans
- Hancock County (fewer than 100 investor loans in 2025)1 loans
Run the coverage test on your Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a 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 — Kentucky's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 369 lenders and 7,902 loans: 2025 HMDA loan-level data.
- Kentucky investor-lender dataset (CSV) — Every Kentucky lender behind the table above, with volume, average loan and purchase share for each.
- Kentucky investor lending data, Dominick Prevete — The Kentucky table on its own, with the state's concentration figures and the method behind them.
- 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.