Metro area · KY
Lenders in Elizabethtown, KY
17 lenders made 44 multifamily loans in the Elizabethtown, KY metro area in 2024 and 2025, $136.2M in all. West Point Bank made the most, with 10. The typical loan was about $640K.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 17
- HMDA,
- Multifamily loans, 2024-25
- 44
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $136M
- HMDA,
- Typical loan
- $640K
- HMDA,
Cite this
Source: The Lender Report, Lenders in Elizabethtown, KY, https://lender.report/lenders-in/elizabethtown-ky/, data as of December 31, 2025.
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This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| West Point Bank multifamily record | Bank | Radcliff, KY | 10 | $5.20M | 3 | 7 |
| The Cecilian Bank multifamily record | Bank | Cecilia, KY | 8 | $38.2M | 5 | 3 |
| South Central Bank, Inc. multifamily record | Bank | Glasgow, KY | 4 | $3.80M | 1 | 3 |
| Berkadia Commercial Mortgage multifamily record | Non-bank | Ambler, PA | 3 | $4.90M | 3 | 0 |
| PGIM Real Estate Agency Financing, LLC multifamily record | Non-bank | Dallas, TX | 2 | $55.0M | 1 | 1 |
| WesBanco Bank, Inc. multifamily record | Bank | Wheeling, WV | 2 | $4.52M | 2 | 0 |
| Magnolia Bank, Incorporated multifamily record | Bank | Elizabethtown, KY | 2 | $1.90M | 1 | 1 |
| Stock Yards Bank & Trust Company multifamily record | Bank | Louisville, KY | 2 | $1.80M | 2 | 0 |
| Meade County Bank | Bank | Brandenburg, KY | 2 | $740K | 0 | 2 |
| River City Bank, Inc. multifamily record | Bank | Louisville, KY | 2 | $460K | 1 | 1 |
| Banterra Bank multifamily record | Bank | Marion, IL | 1 | $10.0M | 1 | 0 |
| Central Bank & Trust Co. multifamily record | Bank | Lexington, KY | 1 | $3.90M | 1 | 0 |
| Eclipse Bank, Inc. multifamily record | Bank | Louisville, KY | 1 | $3.60M | 1 | 0 |
| German American Bank multifamily record | Bank | Jasper, IN | 1 | $1.30M | 1 | 0 |
| First Kentucky Bank, Inc. multifamily record | Bank | Mayfield, KY | 1 | $740K | 0 | 1 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Hardin County, KY | 40 | $131M | 15 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 25 |
| $1M to $2.5M | 8 |
| $2.5M to $5M | 6 |
| $5M to $10M | 0 |
| $10M or more | 5 |
- Lenders made 44 multifamily loans totaling $136.2M in Elizabethtown, KY in 2024 and 2025. HMDA,
- 25 of the loans were made in 2025 and 19 in 2024. HMDA,
- The typical loan in Elizabethtown, KY was about $640K, with the middle half between $320K and $2.6M. HMDA,
- 25 of the loans were under $1M, and 5 were $5M or more. HMDA,
- Lenders reported a median rate of 7.05% on 27 loans in Elizabethtown, KY, with the middle half between 6.63% and 8.00%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 71%. HMDA,
- 41% of the loans were refinancings and 57% were purchases. HMDA,
- Banks and savings institutions made 38 of the loans, credit unions 1, and non-banks 5. HMDA,
- The five most active lenders made 61.4% of the loans. HMDA,
- The three most active lenders were West Point Bank with 10, The Cecilian Bank with 8, and South Central Bank, Inc. with 4. HMDA,
- 12 of the 17 lenders are based in Kentucky. The rest are based elsewhere, most often in Illinois, Indiana and Pennsylvania. HMDA,
- The most common property size was 5 to 24 units, with 27 loans. HMDA,
- 1 county in the metro area has loans on record, and Hardin County, KY has the most, with 40. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the Elizabethtown, KY metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
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.