County · KY
Multifamily lenders in McCracken County, KY
9 lenders made 31 multifamily loans in McCracken County, KY in 2024 and 2025, $25.5M in all. FNB Bank, Inc. made the most, with 10. The typical loan was about $460K. The county is part of the Paducah, KY-IL metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 9
- HMDA,
- Multifamily loans, 2024-25
- 31
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $25.5M
- HMDA,
- Typical loan
- $460K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in McCracken County, KY, https://lender.report/lenders-in/kentucky/mccracken-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| FNB Bank, Inc. multifamily record | Bank | Mayfield, KY | 10 | $5.26M | 5 | 5 | $460K |
| Independence Bank of Kentucky multifamily record | Bank | Owensboro, KY | 6 | $9.00M | 3 | 3 | $1.5M |
| Community Financial Services Bank multifamily record | Bank | Benton, KY | 4 | $2.96M | 4 | 0 | $480K |
| The Paducah Bank and Trust Company multifamily record | Bank | Paducah, KY | 4 | $1.20M | 2 | 2 | $320K |
| First Community Bank of the Heartland, Inc. multifamily record | Bank | Clinton, KY | 2 | $940K | 1 | 1 | $560K |
| Citizens Deposit Bank of Arlington, Inc. multifamily record | Bank | Arlington, KY | 2 | $215K | 2 | 0 | $180K |
| Lument Real Estate Capital multifamily record | Non-bank | Columbus, OH | 1 | $3.30M | 1 | 0 | $3.3M |
| Presidential Bank, FSB multifamily record | Savings | Bethesda, MD | 1 | $1.70M | 0 | 1 | $1.7M |
| Old National Bank multifamily record | Bank | Evansville, IN | 1 | $840K | 1 | 0 | $840K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 25 | 7 |
| $1M to $2.5M | 3 | 3 |
| $2.5M to $5M | 3 | 2 |
| $5M to $10M | 0 | 0 |
| $10M or more | 0 | 0 |
- Lenders made 31 multifamily loans totaling $25.5M in McCracken County, KY in 2024 and 2025. HMDA,
- 19 of the loans were made in 2025 and 12 in 2024. HMDA,
- The typical loan in McCracken County, KY was about $460K, with the middle half between $340K and $860K. HMDA,
- 25 of the loans were under $1M, and 0 were $5M or more. HMDA,
- Lenders reported a median rate of 6.85% on 9 loans in McCracken County, KY, with the middle half between 6.75% and 7.95%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 65%. HMDA,
- 35% of the loans were refinancings and 55% were purchases. HMDA,
- Banks and savings institutions made 30 of the loans, credit unions 0, and non-banks 1. HMDA,
- The three most active lenders were FNB Bank, Inc. with 10, Independence Bank of Kentucky with 6, and Community Financial Services Bank with 4. HMDA,
- 6 of the 9 lenders are based in Kentucky. The rest are based elsewhere, most often in Indiana, Maryland and Ohio. HMDA,
- The most common property size was 5 to 24 units, with 25 loans. HMDA,
- McCracken County, KY is part of the Paducah, KY-IL metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in McCracken 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.