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investment property lenders · HMDA 2023–2025

Investment property lenders in Kentucky

Fat Boy Data analyzed investment property mortgage activity in Kentucky to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 8,285 applications were decided by 408 lenders between 2023 and 2025.

Kentucky at a glance

408Active lenders98 with 20+ decisions
91.3%Market approval rate7,565 of 8,285 decided
$165KTypical loanmedian lender, $10K brackets
96%Borrower take-up7,283 loans funded

How Kentucky compares

Approval rate compared
Kentucky91.3%All 616 counties87.5%
Typical loan compared
Kentucky$165KAll 616 counties$255K

What the data shows

River City Bank, Inc. made the most investment property mortgages in Kentucky, 353 of them.

American Bank & Trust Company, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 193.

The typical investment property mortgage here is $165K, 35% smaller than the the United States typical of $255K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Lendingone, LLC: 22% approved of 45Vanderbilt Mortgage and Finance, Inc.: 57% approved of 49First Harrison Bank: 73% approved of 37University of Kentucky: 73% approved of 113Fifth Third Bank, National Association: 74% approved of 72U.S. Bank National Association: 75% approved of 110The Huntington National Bank: 81% approved of 72Kind Lending, LLC: 81% approved of 58PNC Bank, National Association: 81% approved of 43First Financial Bank: 82% approved of 38United Wholesale Mortgage, LLC: 87% approved of 448Rocket Mortgage, LLC: 88% approved of 140Forcht Bank, National Association: 88% approved of 59Fairway Independent Mortgage Corporation: 89% approved of 55Abound Federal Credit Union: 89% approved of 38Republic Bank & Trust Company: 90% approved of 98JPMorgan Chase Bank, National Association: 90% approved of 100Guaranteed Rate, Inc.: 91% approved of 44Bank of the Bluegrass and Trust Company: 91% approved of 45Stock Yards Bank & Trust Company: 92% approved of 252Lower, LLC: 92% approved of 48Kiavi Funding, Inc.: 92% approved of 259Provident Funding Associates, L.P.: 92% approved of 50River City Bank, Inc.: 93% approved of 463Northpointe Bank: 93% approved of 151Meade County Bank: 94% approved of 66Interlinc Mortgage Services, LLC: 94% approved of 35The Loan Store, Inc.: 94% approved of 88Union Savings Bank: 94% approved of 36Guardian Savings Bank: 95% approved of 111Union Home Mortgage Corp.: 95% approved of 39Liberty Credit Union: 95% approved of 193Bank of Lexington, Inc.: 95% approved of 87Edmonton State Bank: 95% approved of 44Park Federal Credit Union: 96% approved of 97Commonwealth Federal Credit Union: 96% approved of 99Community Trust Bank, Inc.: 97% approved of 68First United Bank and Trust Company: 97% approved of 35Central Bank & Trust Co.: 97% approved of 106Stockton Mortgage Corporation: 97% approved of 72Crosscountry Mortgage, LLC: 97% approved of 75South Central Bank, Inc.: 97% approved of 226Magnolia Bank, Incorporated: 97% approved of 76German American Bank: 97% approved of 78Victory Mortgage, L.L.C.: 98% approved of 44Amwest Funding Corp.: 98% approved of 48Independence Bank of Kentucky: 98% approved of 193The Monticello Banking Company: 98% approved of 52Bank of Edmonson County: 98% approved of 57Peoples Exchange Bank: 98% approved of 63West Point Bank: 99% approved of 289Wilson & Muir Bank & Trust Company: 99% approved of 138American Bank & Trust Company, Inc.: 100% approved of 193Traditional Bank, Inc.: 100% approved of 130Franklin Bank & Trust Company: 100% approved of 89The Cecilian Bank: 100% approved of 86Farmers Bank and Trust Company: 100% approved of 73First Southern National Bank: 100% approved of 50Morgantown Bank & Trust Company, Incorporated: 100% approved of 44American Heritage Lending, LLC: 100% approved of 34

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property lenders in Kentucky

LenderApprovalApprovedTaken upTypical loanLoans made
1River City Bank, Inc.93%429 / 46382%$145K353
2United Wholesale Mortgage, LLCBroker only87%388 / 44899%$145K383
3West Point Bank99%286 / 28993%$175K265
4Kiavi Funding, Inc.92%238 / 25996%$165K228
5Stock Yards Bank & Trust Company92%231 / 25299%$195K229

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 403 more lenders.

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Other lending data for Kentucky

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Counties in Kentucky

Jefferson CountyCountyFayette CountyCountyKenton CountyCountyBoone CountyCountyWarren CountyCountyHardin CountyCountyDaviess CountyCounty