--- title: Lenders in Paducah, KY-IL: 10 Made Multifamily Loans in 2024-25 url: https://lender.report/lenders-in/paducah-ky-il/ license: https://lender.report/license/ --- Metro area ยท KY # Lenders in Paducah, KY-IL 10 lenders made 35 multifamily loans in the Paducah, KY-IL metro area in 2024 and 2025, $54.7M in all. FNB Bank, Inc. made the most, with 10. The typical loan was about $460K. **Evidence** Multifamily loans placed in the metro area, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 10 HMDA, 2025 **Multifamily loans, 2024-25** 35 HMDA, 2025 Manufactured-home parks excluded **Dollars** $54.7M HMDA, 2025 **Typical loan** $460K HMDA, 2025 Cite this Source: The Lender Report, Lenders in Paducah, KY-IL, https://lender.report/lenders-in/paducah-ky-il/, data as of December 31, 2025. ## Describe a deal in Paducah, KY-IL 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. [Start with a deal in Paducah, KY-IL](https://lender.report/comps/?lane=multifamily&metro=37140)[A lender in Paducah, KY-IL? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | | --- | --- | --- | --- | --- | --- | --- | | [FNB Bank, Inc.](https://lender.report/lender/fnb-bank-ky/) [multifamily record](https://lender.report/lender/fnb-bank-ky/multifamily/) | Bank | Mayfield, KY | 10 | $5.26M | 5 | 5 | | [Independence Bank of Kentucky](https://lender.report/lender/independence-bank-of-kentucky-ky/) [multifamily record](https://lender.report/lender/independence-bank-of-kentucky-ky/multifamily/) | Bank | Owensboro, KY | 7 | $10.2M | 3 | 4 | | [The Paducah Bank and Trust Company](https://lender.report/lender/paducah-bank-and-trust-ky/) [multifamily record](https://lender.report/lender/paducah-bank-and-trust-ky/multifamily/) | Bank | Paducah, KY | 5 | $1.48M | 2 | 3 | | [Community Financial Services Bank](https://lender.report/lender/community-financial-services-bank-ky/) [multifamily record](https://lender.report/lender/community-financial-services-bank-ky/multifamily/) | Bank | Benton, KY | 4 | $2.96M | 4 | 0 | | [Citizens Deposit Bank of Arlington, Inc.](https://lender.report/lender/citizens-deposit-bank-of-arlington-ky/) [multifamily record](https://lender.report/lender/citizens-deposit-bank-of-arlington-ky/multifamily/) | Bank | Arlington, KY | 3 | $315K | 2 | 1 | | [First Community Bank of the Heartland, Inc.](https://lender.report/lender/first-community-bank-of-the-heartland-ky/) [multifamily record](https://lender.report/lender/first-community-bank-of-the-heartland-ky/multifamily/) | Bank | Clinton, KY | 2 | $940K | 1 | 1 | | [Berkadia Commercial Mortgage](https://lender.report/lender/berkadia-commercial-mortgage-pa/) [multifamily record](https://lender.report/lender/berkadia-commercial-mortgage-pa/multifamily/) | Non-bank | Ambler, PA | 1 | $28.0M | 0 | 1 | | [Lument Real Estate Capital](https://lender.report/lender/lument-real-estate-capital-oh/) [multifamily record](https://lender.report/lender/lument-real-estate-capital-oh/multifamily/) | Non-bank | Columbus, OH | 1 | $3.30M | 1 | 0 | | [Presidential Bank, FSB](https://lender.report/lender/presidential-bank-md/) [multifamily record](https://lender.report/lender/presidential-bank-md/multifamily/) | Savings | Bethesda, MD | 1 | $1.70M | 0 | 1 | | [Old National Bank](https://lender.report/lender/old-national-bank-in/) [multifamily record](https://lender.report/lender/old-national-bank-in/multifamily/) | Bank | Evansville, IN | 1 | $840K | 1 | 0 | HMDA, 2025 [All 10 lenders in Paducah, KY-IL, by loan size](https://lender.report/multifamily-lenders/paducah-ky-il/) | County | Loans | Dollars | Lenders | | --- | --- | --- | --- | | [McCracken County, KY](https://lender.report/lenders-in/kentucky/mccracken-county/) | 31 | $25.4M | 9 | HMDA, 2025 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 | 27 | | $1M to $2.5M | 4 | | $2.5M to $5M | 3 | | $5M to $10M | 0 | | $10M or more | 1 | HMDA, 2025 - Lenders made 35 multifamily loans totaling $54.7M in Paducah, KY-IL in 2024 and 2025. HMDA, 2025 - 19 of the loans were made in 2025 and 16 in 2024. HMDA, 2025 - The typical loan in Paducah, KY-IL was about $460K, with the middle half between $320K and $940K. HMDA, 2025 - 27 of the loans were under $1M, and 1 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 6.75% on 11 loans in Paducah, KY-IL, with the middle half between 6.50% and 7.95%. HMDA, 2025 - The median term was 5 years. HMDA, 2025 - The median loan to value was 67%. HMDA, 2025 - 31% of the loans were refinancings and 57% were purchases. HMDA, 2025 - Banks and savings institutions made 33 of the loans, credit unions 0, and non-banks 2. HMDA, 2025 - The three most active lenders were FNB Bank, Inc. with 10, Independence Bank of Kentucky with 7, and The Paducah Bank and Trust Company with 5. HMDA, 2025 - 6 of the 10 lenders are based in Kentucky. The rest are based elsewhere, most often in Indiana, Maryland and Ohio. HMDA, 2025 - The most common property size was 5 to 24 units, with 27 loans. HMDA, 2025 - 1 county in the metro area has loans on record, and McCracken County, KY has the most, with 31. HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in the Paducah, KY-IL 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](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: 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](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.