--- title: 1-4 Unit Investor Lenders in Kentucky: 365 Made Loans in 2025 url: https://lender.report/investor-1-4-lenders/kentucky/ license: https://lender.report/license/ --- 1-4 Unit Investor ยท 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, 2025 **Investor loans, 2025** 8,344 HMDA, 2025 1-4 units or business purpose **Based in the state** 69 HMDA, 2025 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. ## Describe a deal in Kentucky See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show 1-4 unit investor loans in Kentucky](https://lender.report/comps/?lane=investor_1to4&state=KY)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans in state | Loans nationwide | Typical loan | | --- | --- | --- | --- | --- | --- | | [United Wholesale Mortgage](https://lender.report/lender/united-wholesale-mortgage-mi/) [1-4 unit investor record](https://lender.report/lender/united-wholesale-mortgage-mi/investor-1-4/) | Non-bank | Pontiac, MI | 379 | 31,218 | $205K | | [South Central Bank, Inc.](https://lender.report/lender/south-central-bank-ky/) [1-4 unit investor record](https://lender.report/lender/south-central-bank-ky/investor-1-4/) | Bank | Glasgow, KY | 249 | 269 | $155K | | [Independence Bank of Kentucky](https://lender.report/lender/independence-bank-of-kentucky-ky/) [1-4 unit investor record](https://lender.report/lender/independence-bank-of-kentucky-ky/investor-1-4/) | Bank | Owensboro, KY | 236 | 244 | $145K | | [MM Lending, LLC](https://lender.report/lender/mm-lending-ky/) | Non-bank | Louisville, KY | 216 | 977 | $165K | | [Community Trust Bank, Inc.](https://lender.report/lender/community-trust-bank-ky/) [1-4 unit investor record](https://lender.report/lender/community-trust-bank-ky/investor-1-4/) | Bank | Pikeville, KY | 209 | 255 | $135K | | [Northpointe Bank](https://lender.report/lender/northpointe-bank-mi/) | Bank | Grand Rapids, MI | 191 | 874 | $215K | | [Kiavi Funding, Inc.](https://lender.report/lender/kiavi-funding-ca/) [1-4 unit investor record](https://lender.report/lender/kiavi-funding-ca/investor-1-4/) | Non-bank | San Francisco, CA | 189 | 25,518 | $215K | | [Traditional Bank, Inc.](https://lender.report/lender/traditional-bank-ky/) [1-4 unit investor record](https://lender.report/lender/traditional-bank-ky/investor-1-4/) | Bank | Mount Sterling, KY | 184 | 185 | $175K | | [River City Bank, Inc.](https://lender.report/lender/river-city-bank-ky/) [1-4 unit investor record](https://lender.report/lender/river-city-bank-ky/investor-1-4/) | Bank | Louisville, KY | 183 | 194 | $145K | | [Stock Yards Bank & Trust Company](https://lender.report/lender/stock-yards-bank-and-trust-ky/) [1-4 unit investor record](https://lender.report/lender/stock-yards-bank-and-trust-ky/investor-1-4/) | Bank | Louisville, KY | 182 | 230 | $210K | | [American Bank & Trust Company, Inc.](https://lender.report/lender/american-bank-and-trust-ky/) [1-4 unit investor record](https://lender.report/lender/american-bank-and-trust-ky/investor-1-4/) | Bank | Bowling Green, KY | 156 | 161 | $165K | | [West Point Bank](https://lender.report/lender/west-point-bank-ky/) [1-4 unit investor record](https://lender.report/lender/west-point-bank-ky/investor-1-4/) | Bank | Radcliff, KY | 142 | 143 | $135K | | [First Southern National Bank](https://lender.report/lender/first-southern-national-bank-ky/) [1-4 unit investor record](https://lender.report/lender/first-southern-national-bank-ky/investor-1-4/) | Bank | Lancaster, KY | 138 | 148 | $105K | | [Commonwealth Credit Union](https://lender.report/lender/commonwealth-credit-union-ky/) [1-4 unit investor record](https://lender.report/lender/commonwealth-credit-union-ky/investor-1-4/) | Credit union | Frankfort, KY | 135 | 137 | $185K | | [City National Bank of West Virginia](https://lender.report/lender/city-national-bank-of-west-virginia-wv/) [1-4 unit investor record](https://lender.report/lender/city-national-bank-of-west-virginia-wv/investor-1-4/) | Bank | Charleston, WV | 120 | 396 | $155K | | [Rocket Mortgage](https://lender.report/lender/rocket-mortgage-mi/) [1-4 unit investor record](https://lender.report/lender/rocket-mortgage-mi/investor-1-4/) | Non-bank | Detroit, MI | 120 | 13,753 | $215K | | [Farmers Bank and Trust Company](https://lender.report/lender/farmers-bank-and-trust-ky-marion/) [1-4 unit investor record](https://lender.report/lender/farmers-bank-and-trust-ky-marion/investor-1-4/) | Bank | Marion, KY | 108 | 111 | $135K | | [Peoples Exchange Bank](https://lender.report/lender/peoples-exchange-bank-ky/) [1-4 unit investor record](https://lender.report/lender/peoples-exchange-bank-ky/investor-1-4/) | Bank | Winchester, KY | 102 | 104 | $155K | | [The Loan Store, Inc](https://lender.report/lender/loan-store-az/) [1-4 unit investor record](https://lender.report/lender/loan-store-az/investor-1-4/) | Non-bank | Tucson, AZ | 100 | 11,868 | $275K | | [The Cecilian Bank](https://lender.report/lender/cecilian-bank-ky/) [1-4 unit investor record](https://lender.report/lender/cecilian-bank-ky/investor-1-4/) | Bank | Cecilia, KY | 98 | 103 | $125K | | [Whitaker Bank](https://lender.report/lender/whitaker-bank-ky/) [1-4 unit investor record](https://lender.report/lender/whitaker-bank-ky/investor-1-4/) | Bank | Lexington, KY | 98 | 99 | $135K | | [Central Bank & Trust Co.](https://lender.report/lender/central-bank-and-trust-ky/) [1-4 unit investor record](https://lender.report/lender/central-bank-and-trust-ky/investor-1-4/) | Bank | Lexington, KY | 95 | 101 | $195K | | [Wilson & Muir Bank & Trust Company](https://lender.report/lender/wilson-and-muir-bank-and-trust-ky/) [1-4 unit investor record](https://lender.report/lender/wilson-and-muir-bank-and-trust-ky/investor-1-4/) | Bank | Bardstown, KY | 94 | 96 | $165K | | [Liberty Credit Union](https://lender.report/lender/liberty-credit-union-in/) [1-4 unit investor record](https://lender.report/lender/liberty-credit-union-in/investor-1-4/) | Credit union | Evansville, IN | 90 | 469 | $135K | | [The Monticello Banking Company](https://lender.report/lender/monticello-banking-ky/) [1-4 unit investor record](https://lender.report/lender/monticello-banking-ky/investor-1-4/) | Bank | Monticello, KY | 87 | 87 | $135K | HMDA, 2025 [See all 365 1-4 unit investor lenders in Kentucky in Loan Comps](https://lender.report/comps/?lane=investor_1to4&state=KY) - Lenders made 8,344 1-4 unit investor or business-purpose loans in Kentucky in 2025. HMDA, 2025 - The five most active lenders made 15.4% of them. HMDA, 2025 - Non-banks made 34.2% of these loans in Kentucky. HMDA, 2025 - 148 lenders made 10 or more of these loans in Kentucky in 2025. HMDA, 2025 - 69 of these lenders are based in Kentucky, and the rest lend in from other states. HMDA, 2025 - United Wholesale Mortgage made 379 loans here, and South Central Bank, Inc. made 249. HMDA, 2025 - These lenders: 162 banks, 9 savings institutions, 32 credit unions and 162 non-bank lenders. HMDA, 2025 - Among these lenders, the median 1-4 unit investor loan nationally is $195K. HMDA, 2025 ## 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](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: 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](https://lender.report/report/) 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.