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1-4 Unit Investor · KY

1-4 Unit Investor lenders in Kentucky

365 lenders made at least one 1-4 unit investor or business-purpose loan in Kentucky in 2025. United Wholesale Mortgage made the most, with 379 of the 8,344 on record.

Evidence
Lender made at least one 1-4 unit investor or business-purpose loan in Kentucky in 2025 (HMDA)
Data as of
HMDA 2025
Page last changed
November 11, 2026
Lenders on record
365
HMDA,
Investor loans, 2025
8,344
HMDA,
1-4 units or business purpose
Based in the state
69
HMDA,

Cite this

Source: The Lender Report, 1-4 Unit Investor lenders in Kentucky, https://lender.report/investor-1-4-lenders/kentucky/, data as of December 31, 2025.

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Kentucky 1-4 unit investor lenders, by loans made in the state in 2025. First 25 of 365.
LenderKindBased inLoans in stateLoans nationwideTypical loan
United Wholesale Mortgage 1-4 unit investor recordNon-bankPontiac, MI37931,218$205K
South Central Bank, Inc. 1-4 unit investor recordBankGlasgow, KY249269$155K
Independence Bank of Kentucky 1-4 unit investor recordBankOwensboro, KY236244$145K
MM Lending, LLCNon-bankLouisville, KY216977$165K
Community Trust Bank, Inc. 1-4 unit investor recordBankPikeville, KY209255$135K
Northpointe BankBankGrand Rapids, MI191874$215K
Kiavi Funding, Inc. 1-4 unit investor recordNon-bankSan Francisco, CA18925,518$215K
Traditional Bank, Inc. 1-4 unit investor recordBankMount Sterling, KY184185$175K
River City Bank, Inc. 1-4 unit investor recordBankLouisville, KY183194$145K
Stock Yards Bank & Trust Company 1-4 unit investor recordBankLouisville, KY182230$210K
American Bank & Trust Company, Inc. 1-4 unit investor recordBankBowling Green, KY156161$165K
West Point Bank 1-4 unit investor recordBankRadcliff, KY142143$135K
First Southern National Bank 1-4 unit investor recordBankLancaster, KY138148$105K
Commonwealth Credit Union 1-4 unit investor recordCredit unionFrankfort, KY135137$185K
City National Bank of West Virginia 1-4 unit investor recordBankCharleston, WV120396$155K
Rocket Mortgage 1-4 unit investor recordNon-bankDetroit, MI12013,753$215K
Farmers Bank and Trust Company 1-4 unit investor recordBankMarion, KY108111$135K
Peoples Exchange Bank 1-4 unit investor recordBankWinchester, KY102104$155K
The Loan Store, Inc 1-4 unit investor recordNon-bankTucson, AZ10011,868$275K
The Cecilian Bank 1-4 unit investor recordBankCecilia, KY98103$125K
Whitaker Bank 1-4 unit investor recordBankLexington, KY9899$135K
Central Bank & Trust Co. 1-4 unit investor recordBankLexington, KY95101$195K
Wilson & Muir Bank & Trust Company 1-4 unit investor recordBankBardstown, KY9496$165K
Liberty Credit Union 1-4 unit investor recordCredit unionEvansville, IN90469$135K
The Monticello Banking Company 1-4 unit investor recordBankMonticello, KY8787$135K
HMDA,

See all 365 1-4 unit investor lenders in Kentucky in Loan Comps

  • Lenders made 8,344 1-4 unit investor or business-purpose loans in Kentucky in 2025. HMDA,
  • The five most active lenders made 15.4% of them. HMDA,
  • Non-banks made 34.2% of these loans in Kentucky. HMDA,
  • 148 lenders made 10 or more of these loans in Kentucky in 2025. HMDA,
  • 69 of these lenders are based in Kentucky, and the rest lend in from other states. HMDA,
  • United Wholesale Mortgage made 379 loans here, and South Central Bank, Inc. made 249. HMDA,
  • These lenders: 162 banks, 9 savings institutions, 32 credit unions and 162 non-bank lenders. HMDA,
  • Among these lenders, the median 1-4 unit investor loan nationally is $195K. HMDA,

How this list is defined

Measure
1-4 unit investor loans made in Kentucky
Period
2025
Formula
Count, by lender, of HMDA records for 1-4 unit loans that are non-owner-occupied or business purpose, placed in Kentucky in 2025. A lender is listed if it made at least one.
Order
Largest first by loans made in 2025, then name. Payment is not part of the order.
As of
2025
Source
HMDA
Changelog
  • : First published, with the data built on this date.

These are rental homes of up to four units, financed by the investor and not the person living there, including business-purpose loans.

HMDA reports these loans by lender and state, without dollars by state. It cannot tell a DSCR loan from a full-documentation investor loan.

Each lender is counted only where the public file places the loan. Lenders that merged or stopped filing are left out.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.