County · KY
Multifamily lenders in Hardin County, KY
15 lenders made 40 multifamily loans in Hardin County, KY in 2024 and 2025, $130.4M in all. West Point Bank made the most, with 10. The typical loan was about $560K. The county is part of the Elizabethtown, KY metro area.
- 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
- 40
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $130M
- HMDA,
- Typical loan
- $560K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Hardin County, KY, https://lender.report/lenders-in/kentucky/hardin-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| West Point Bank multifamily record | Bank | Radcliff, KY | 10 | $5.20M | 3 | 7 | $500K |
| The Cecilian Bank multifamily record | Bank | Cecilia, KY | 8 | $38.2M | 5 | 3 | $1.6M |
| South Central Bank, Inc. multifamily record | Bank | Glasgow, KY | 4 | $3.80M | 1 | 3 | $460K |
| PGIM Real Estate Agency Financing, LLC multifamily record | Non-bank | Dallas, TX | 2 | $55.0M | 1 | 1 | $33M |
| WesBanco Bank, Inc. multifamily record | Bank | Wheeling, WV | 2 | $4.52M | 2 | 0 | $4.2M |
| Magnolia Bank, Incorporated multifamily record | Bank | Elizabethtown, KY | 2 | $1.90M | 1 | 1 | $1.6M |
| Stock Yards Bank & Trust Company multifamily record | Bank | Louisville, KY | 2 | $1.80M | 2 | 0 | $1.3M |
| Meade County Bank | Bank | Brandenburg, KY | 2 | $740K | 0 | 2 | $380K |
| River City Bank, Inc. multifamily record | Bank | Louisville, KY | 2 | $460K | 1 | 1 | $240K |
| Banterra Bank multifamily record | Bank | Marion, IL | 1 | $10.0M | 1 | 0 | $10M |
| Central Bank & Trust Co. multifamily record | Bank | Lexington, KY | 1 | $3.90M | 1 | 0 | $3.9M |
| Eclipse Bank, Inc. multifamily record | Bank | Louisville, KY | 1 | $3.60M | 1 | 0 | $3.6M |
| German American Bank multifamily record | Bank | Jasper, IN | 1 | $1.30M | 1 | 0 | $1.3M |
| Abound Credit Union multifamily record | Credit union | Radcliff, KY | 1 | $500K | 1 | 0 | $500K |
| Town & Country Bank and Trust Company multifamily record | Bank | Bardstown, KY | 1 | $340K | 1 | 0 | $340K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 24 | 10 |
| $1M to $2.5M | 6 | 5 |
| $2.5M to $5M | 5 | 5 |
| $5M to $10M | 0 | 0 |
| $10M or more | 5 | 3 |
- Lenders made 40 multifamily loans totaling $130.4M in Hardin County, KY in 2024 and 2025. HMDA,
- 22 of the loans were made in 2025 and 18 in 2024. HMDA,
- The typical loan in Hardin County, KY was about $560K, with the middle half between $320K and $2.8M. HMDA,
- 24 of the loans were under $1M, and 5 were $5M or more. HMDA,
- Lenders reported a median rate of 7.50% on 24 loans in Hardin County, KY, with the middle half between 6.75% and 8.00%. HMDA,
- The median term was 15 years. HMDA,
- The median loan to value was 75%. HMDA,
- 35% of the loans were refinancings and 63% were purchases. HMDA,
- Banks and savings institutions made 37 of the loans, credit unions 1, and non-banks 2. HMDA,
- The five most active lenders made 65.0% 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,
- 11 of the 15 lenders are based in Kentucky. The rest are based elsewhere, most often in Illinois, Indiana and Texas. HMDA,
- The most common property size was 5 to 24 units, with 26 loans. HMDA,
- Hardin County, KY is part of the Elizabethtown, KY metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Hardin 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.