DSCR Loans in McCracken County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 35 lenders made 165 investment-property loans in McCracken County, 2.1% of Kentucky's total. Dominick Prevete arranges DSCR loans across McCracken 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 $205,000.
McCracken County investor market at a glance
| Statistic | McCracken County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 165 | 7,902 | 8th of 14 |
| Reporting lenders | 35 | 369 | 12th of 14 |
| Loan volume | $28.8M | $1.53B | 11th of 14 |
| Average loan | $174K | $193K | 11th of 14 |
| Median loan | $135K | $155K | 12th of 14 |
| Purchases | 70.3% | 58.5% | 2nd of 14 |
| Cash-out refinances | 4.2% | 12.4% | 14th of 14 |
| 2–4 unit properties | 31.5% | 19.3% | 2nd of 14 |
| Top five lenders' share | 69.7% | 15.4% | 3rd of 14 |
| Reported business-purpose | 26.7% | 60.6% | 14th of 14 |
McCracken County: closed-end loans on 1–4 unit investment properties. McCracken County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of McCracken County's investor loans.
What stands out in McCracken County
26.7% of McCracken County's investor loans were reported as business-purpose, the 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.
4.2% of McCracken County's investor loans were cash-out refinances, the 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.
31.5% of McCracken County's investor loans financed a 2–4 unit property, the 2nd-highest share of Kentucky's 14 counties with published data (statewide: 19.3%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in McCracken County?
At HUD's fair market rent of $1,348 for a 3-bedroom in McCracken County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). McCracken County's median home value is $188,100; at that price the payment is $1,222 a month, so the property would need $1,225 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) | $1,131 / $1,348 / $1,616 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $188,100 |
| Median property taxes and effective rate | $1,410 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,222 |
| Rent needed to cover that payment | $1,225 |
| Coverage of a 3-bedroom at fair market rent | 1.10 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $345,000 |
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 McCracken County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in McCracken County?
The most active investment-property lenders in McCracken County in 2025 HMDA data were The Paducah Bank and Trust Company, Independence Bank of Kentucky and Community Financial Services Bank, out of 35 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 and matches each file to the one most likely to fund it.
McCracken County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 165 loans and $28.8M from 35 lenders. The Paducah Bank and Trust Company led McCracken County with 51 loans, 30.9% of the county's total, and the average McCracken County loan of $174K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Paducah Bank and Trust Company | 51 | $8.3M | $163K | 80.4% |
| Independence Bank of Kentucky | 20 | $2.9M | $143K | 70.0% |
| Community Financial Services Bank | 16 | $4.8M | $301K | 75.0% |
| FNB Bank, Inc. | 15 | $2.1M | $140K | 60.0% |
| Citizens Deposit Bank of Arlington Inc | 13 | $2.8M | $217K | 53.8% |
| First Community Bank of the Heartland, Inc | 7 | $0.9M | $126K | 85.7% |
| City National Bank | 5 | $1.0M | $191K | 80.0% |
| Cornerstone First Mortgage, Inc | 4 | $0.5M | $120K | 25.0% |
| CV3 Financial Services, LLC | 3 | $0.7M | $218K | 66.7% |
| NEXERA HOLDING LLC | 3 | $0.6M | $208K | 100.0% |
| Banterra Bank | 2 | $0.8M | $395K | 50.0% |
| Old National Bank | 2 | $0.3M | $135K | 100.0% |
| Farmers Bank and Trust Company | 2 | $0.2M | $100K | 50.0% |
| SOUTH CENTRAL BANK, INC. | 1 | $0.4M | $385K | 100.0% |
| United Wholesale Mortgage | 1 | $0.2M | $225K | 0.0% |
| Cumberland Valley National Bank & Trust Company | 1 | $0.2M | $215K | 0.0% |
| ALTRA Federal Credit Union | 1 | $0.2M | $195K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | $0.2M | $175K | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | $0.2M | $155K | 100.0% |
| Wells Fargo Bank, National Association | 1 | $0.2M | $155K | 100.0% |
| Broker Solutions, Inc. | 1 | $0.1M | $145K | 100.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | $0.1M | $125K | 100.0% |
| Fairway Independent Mortgage Corporation | 1 | $0.1M | $125K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | $0.1M | $125K | 100.0% |
| THE LOAN STORE, INC. | 1 | $0.1M | $115K | 100.0% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for McCracken County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · McCracken County CSV, all 25 lenders
What McCracken County's table can't show you: fit. Short-term financing is exempt from HMDA, so McCracken County's fix-and-flip and bridge lenders barely appear among its 35 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 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 McCracken County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from McCracken County |
|---|---|---|---|
| Cape Girardeau County, MO | 204 | 32 | About 60 miles away |
| Christian County, KY | 159 | 36 | About 70 miles away |
| Gibson County, TN | 108 | 29 | About 75 miles away |
| Montgomery County, TN | 594 | 128 | About 85 miles away |
| Vanderburgh County, IN | 396 | 68 | About 90 miles away |
Run the coverage test on your McCracken County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a McCracken 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 — McCracken County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 35 lenders and 165 loans: 2025 HMDA loan-level data rolled up to McCracken County.
- McCracken County investor-lender dataset (CSV) — All 25 lenders in the McCracken County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — McCracken 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 McCracken County, KY HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — McCracken 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.