County · KY
Multifamily lenders in Franklin County, KY
15 lenders made 33 multifamily loans in Franklin County, KY in 2024 and 2025, $51.5M in all. Traditional Bank, Inc. made the most, with 6. The typical loan was about $620K.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 15
- HMDA,
- Multifamily loans, 2024-25
- 33
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $51.5M
- HMDA,
- Typical loan
- $620K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Franklin County, KY, https://lender.report/lenders-in/kentucky/franklin-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| Traditional Bank, Inc. multifamily record | Bank | Mount Sterling, KY | 6 | $2.76M | 4 | 2 | $500K |
| Independence Bank of Kentucky multifamily record | Bank | Owensboro, KY | 4 | $2.80M | 1 | 3 | $700K |
| City National Bank of West Virginia multifamily record | Bank | Charleston, WV | 4 | $1.60M | 2 | 2 | $400K |
| University of Kentucky Credit Union multifamily record | Credit union | Lexington, KY | 3 | $1.66M | 2 | 1 | $700K |
| Whitaker Bank multifamily record | Bank | Lexington, KY | 3 | $580K | 2 | 1 | $200K |
| Liberty Credit Union multifamily record | Credit union | Evansville, IN | 2 | $2.96M | 2 | 0 | $2.6M |
| Stock Yards Bank & Trust Company multifamily record | Bank | Louisville, KY | 2 | $1.90M | 1 | 1 | $1.4M |
| Stancorp Mortgage Investors multifamily record | Non-bank | Hillsboro, OR | 1 | $13.0M | 1 | 0 | $13M |
| Fourleaf Credit Union multifamily record | Credit union | Bethpage, NY | 1 | $10.0M | 0 | 1 | $10M |
| Republic Bank & Trust Company multifamily record | Bank | Louisville, KY | 1 | $7.00M | 0 | 1 | $7M |
| Central Bank & Trust Co. multifamily record | Bank | Lexington, KY | 1 | $4.30M | 1 | 0 | $4.3M |
| Bank of the Bluegrass and Trust Company multifamily record | Bank | Lexington, KY | 1 | $1.10M | 0 | 1 | $1.1M |
| Community Trust Bank, Inc. multifamily record | Bank | Pikeville, KY | 1 | $740K | 1 | 0 | $740K |
| Commonwealth Credit Union multifamily record | Credit union | Frankfort, KY | 1 | $580K | 1 | 0 | $580K |
| Centennial Bank multifamily record | Bank | Conway, AR | 1 | $500K | 1 | 0 | $500K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 26 | 10 |
| $1M to $2.5M | 2 | 2 |
| $2.5M to $5M | 2 | 2 |
| $5M to $10M | 1 | 1 |
| $10M or more | 2 | 2 |
- Lenders made 33 multifamily loans totaling $51.5M in Franklin County, KY in 2024 and 2025. HMDA,
- 1 of these loans was made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 19 of the loans were made in 2025 and 14 in 2024. HMDA,
- The typical loan in Franklin County, KY was about $620K, with the middle half between $300K and $860K. HMDA,
- 26 of the loans were under $1M, and 3 were $5M or more. HMDA,
- Lenders reported a median rate of 7.00% on 28 loans in Franklin County, KY, with the middle half between 6.75% and 7.75%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 70%. HMDA,
- 33% of the loans were refinancings and 58% were purchases. HMDA,
- Banks and savings institutions made 24 of the loans, credit unions 7, and non-banks 1. HMDA,
- The five most active lenders made 60.6% of the loans. HMDA,
- The three most active lenders were Traditional Bank, Inc. with 6, Independence Bank of Kentucky with 4, and City National Bank of West Virginia with 4. HMDA,
- 10 of the 15 lenders are based in Kentucky. The rest are based elsewhere, most often in Arkansas, Indiana and New York. HMDA,
- The most common property size was 5 to 24 units, with 29 loans. HMDA,
How this list is defined
- Measure
- Multifamily loans made in Franklin County, KY
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- 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.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
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.