2025 · Kentucky
Most active investment-property lenders in Kentucky
In 2025, 7,129 investment-property loans were originated on single-family 1-4 unit homes in Kentucky. These are the lenders that wrote the most of them, by HMDA-reported volume.
Kentucky lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | United Shore Financial Services, LLC | DSCR / biz | 379 | $66M | 100% |
| 2 | South Central Bank, Inc. | DSCR / biz | 209 | $46M | 100% |
| 3 | Independence Bank of Kentucky | DSCR / biz | 202 | $36M | 100% |
| 4 | Kiavi Funding, Inc. | DSCR / biz | 189 | $33M | 100% |
| 5 | Northpointe Bank | DSCR / biz | 183 | $33M | 94% |
| 6 | River City Bank, Inc. | Conventional | 163 | $37M | 0% |
| 7 | Community Trust Bank, Inc. | DSCR / biz | 155 | $28M | 97% |
| 8 | Stock Yards Bank & Trust Company | DSCR / biz | 151 | $39M | 99% |
| 9 | American Bank & Trust Company, Inc. | Conventional | 150 | $48M | 0% |
| 10 | Traditional Bank, Inc. | DSCR / biz | 140 | $35M | 99% |
Lenders with at least 10 reported investor originations in Kentucky, top 10.
How investors borrow in Kentucky
The rate premium, denial rate, and DSCR share in Kentucky — Investor Financing Report.
Where Kentucky cash-flows
Gross rental yield and top metros in Kentucky — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in Kentucky?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in Kentucky were United Shore Financial Services, LLC (379 originations), South Central Bank, Inc. (209), and Independence Bank of Kentucky (202). 7,129 investor loans were originated statewide.
Which Kentucky lenders focus on DSCR / business-purpose loans?
Lenders whose Kentucky investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include United Shore Financial Services, LLC, South Central Bank, Inc., Independence Bank of Kentucky, Kiavi Funding, Inc.. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Run a Kentucky deal
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.