--- title: Multifamily Lenders in Kentucky: 150 Made Loans in 2024-25 url: https://lender.report/multifamily-lenders/kentucky/ license: https://lender.report/license/ --- Multifamily ยท KY # Multifamily lenders in Kentucky 150 lenders made at least one multifamily loan in Kentucky in 2024 or 2025. Stock Yards Bank & Trust Company made the most in 2025, with 63 of the 828 on record. **Evidence** Lender made at least one multifamily loan in Kentucky in 2024 or 2025 (HMDA, manufactured-home parks excluded) **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 150 HMDA, 2025 **Multifamily loans, 2025** 828 HMDA, 2025 Manufactured-home parks excluded **Dollars, 2025** $3.05B HMDA, 2025 **Loans, 2024** 655 HMDA, 2024 +26.4% in 2025 Cite this Source: The Lender Report, Multifamily lenders in Kentucky, https://lender.report/multifamily-lenders/kentucky/, data as of December 31, 2025. ## Describe a deal in Kentucky See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show multifamily loans in Kentucky](https://lender.report/comps/?lane=multifamily&state=KY)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | 2025 loans | 2025 dollars | 2024 loans | | --- | --- | --- | --- | --- | --- | | [Stock Yards Bank & Trust Company](https://lender.report/lender/stock-yards-bank-and-trust-ky/) [multifamily record](https://lender.report/lender/stock-yards-bank-and-trust-ky/multifamily/) | Bank | Louisville, KY | 63 | $86.4M | 60 | | [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 | 37 | $74.0M | 24 | | [Community Trust Bank, Inc.](https://lender.report/lender/community-trust-bank-ky/) [multifamily record](https://lender.report/lender/community-trust-bank-ky/multifamily/) | Bank | Pikeville, KY | 32 | $54.8M | 26 | | [German American Bank](https://lender.report/lender/german-american-bank-in/) [multifamily record](https://lender.report/lender/german-american-bank-in/multifamily/) | Bank | Jasper, IN | 32 | $36.6M | 22 | | [South Central Bank, Inc.](https://lender.report/lender/south-central-bank-ky/) [multifamily record](https://lender.report/lender/south-central-bank-ky/multifamily/) | Bank | Glasgow, KY | 31 | $30.3M | 19 | | [Commonwealth Credit Union](https://lender.report/lender/commonwealth-credit-union-ky/) [multifamily record](https://lender.report/lender/commonwealth-credit-union-ky/multifamily/) | Credit union | Frankfort, KY | 27 | $47.4M | 15 | | [Traditional Bank, Inc.](https://lender.report/lender/traditional-bank-ky/) [multifamily record](https://lender.report/lender/traditional-bank-ky/multifamily/) | Bank | Mount Sterling, KY | 24 | $40.6M | 26 | | [American Bank & Trust Company, Inc.](https://lender.report/lender/american-bank-and-trust-ky/) [multifamily record](https://lender.report/lender/american-bank-and-trust-ky/multifamily/) | Bank | Bowling Green, KY | 20 | $53.5M | 13 | | [City National Bank of West Virginia](https://lender.report/lender/city-national-bank-of-west-virginia-wv/) [multifamily record](https://lender.report/lender/city-national-bank-of-west-virginia-wv/multifamily/) | Bank | Charleston, WV | 19 | $15.5M | 11 | | [Bank of the Bluegrass and Trust Company](https://lender.report/lender/bank-of-the-bluegrass-and-trust-ky/) [multifamily record](https://lender.report/lender/bank-of-the-bluegrass-and-trust-ky/multifamily/) | Bank | Lexington, KY | 18 | $23.5M | 6 | | [Bellwether Enterprise Real Estate Capital, LLC](https://lender.report/lender/bellwether-enterprise-real-estate-capital-oh/) [multifamily record](https://lender.report/lender/bellwether-enterprise-real-estate-capital-oh/multifamily/) | Non-bank | Cleveland, OH | 18 | $291M | 5 | | [University of Kentucky Credit Union](https://lender.report/lender/university-of-kentucky-credit-union-ky/) [multifamily record](https://lender.report/lender/university-of-kentucky-credit-union-ky/multifamily/) | Credit union | Lexington, KY | 14 | $20.3M | 14 | | [The Cecilian Bank](https://lender.report/lender/cecilian-bank-ky/) [multifamily record](https://lender.report/lender/cecilian-bank-ky/multifamily/) | Bank | Cecilia, KY | 14 | $34.2M | 11 | | [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 | 14 | $37.9M | 5 | | [PARK Credit Union](https://lender.report/lender/park-credit-union-ky/) [multifamily record](https://lender.report/lender/park-credit-union-ky/multifamily/) | Credit union | Louisville, KY | 13 | $8.23M | 6 | | [Farmers Bank and Trust Company](https://lender.report/lender/farmers-bank-and-trust-ky-marion/) [multifamily record](https://lender.report/lender/farmers-bank-and-trust-ky-marion/multifamily/) | Bank | Marion, KY | 11 | $23.8M | 16 | | [Abound Credit Union](https://lender.report/lender/abound-credit-union-ky/) [multifamily record](https://lender.report/lender/abound-credit-union-ky/multifamily/) | Credit union | Radcliff, KY | 11 | $12.4M | 13 | | [First Southern National Bank](https://lender.report/lender/first-southern-national-bank-ky/) [multifamily record](https://lender.report/lender/first-southern-national-bank-ky/multifamily/) | Bank | Lancaster, KY | 11 | $7.55M | 13 | | [The Monticello Banking Company](https://lender.report/lender/monticello-banking-ky/) [multifamily record](https://lender.report/lender/monticello-banking-ky/multifamily/) | Bank | Monticello, KY | 11 | $21.1M | 11 | | [Cumberland Valley National Bank & Trust Company](https://lender.report/lender/cumberland-valley-national-bank-and-trust-ky/) [multifamily record](https://lender.report/lender/cumberland-valley-national-bank-and-trust-ky/multifamily/) | Bank | London, KY | 11 | $31.3M | 9 | | [Edmonton State Bank](https://lender.report/lender/edmonton-state-bank-ky/) [multifamily record](https://lender.report/lender/edmonton-state-bank-ky/multifamily/) | Bank | Glasgow, KY | 11 | $12.7M | 8 | | [FNB Bank, Inc.](https://lender.report/lender/fnb-bank-ky/) [multifamily record](https://lender.report/lender/fnb-bank-ky/multifamily/) | Bank | Mayfield, KY | 11 | $7.78M | 6 | | [Republic Bank & Trust Company](https://lender.report/lender/republic-bank-and-trust-ky/) [multifamily record](https://lender.report/lender/republic-bank-and-trust-ky/multifamily/) | Bank | Louisville, KY | 11 | $21.8M | 4 | | [Whitaker Bank](https://lender.report/lender/whitaker-bank-ky/) [multifamily record](https://lender.report/lender/whitaker-bank-ky/multifamily/) | Bank | Lexington, KY | 10 | $6.09M | 11 | | [Peoples Exchange Bank](https://lender.report/lender/peoples-exchange-bank-ky/) [multifamily record](https://lender.report/lender/peoples-exchange-bank-ky/multifamily/) | Bank | Winchester, KY | 10 | $12.5M | 8 | HMDA, 2025 [See all 150 multifamily lenders in Kentucky in Loan Comps](https://lender.report/comps/?lane=multifamily&state=KY) - Lenders made 828 multifamily loans totaling $3B in Kentucky in 2025, up from 655 loans totaling $2.2B in 2024. HMDA, 2025 - 22 of these loans (2024 and 2025) were made by lenders that have since merged or closed, or that the file lists under a name with no lender record here. They are counted in the totals here and appear in no lender's row. HMDA, 2025 - Banks and savings institutions made 635 of the 2025 loans, credit unions 88, and non-banks 92. HMDA, 2025 - The five most active lenders made 23.6% of Kentucky's multifamily loans in 2025. HMDA, 2025 - Berkeley Point Capital LLC made the most multifamily dollars in Kentucky in 2025, at $540M. HMDA, 2025 - 60 of these lenders are based in Kentucky. HMDA, 2025 - 35 lenders made a loan in Kentucky in 2025 and none in 2024. HMDA, 2025 - 25 lenders made 10 or more loans in Kentucky in 2025. HMDA, 2025 - The typical multifamily loan in Kentucky was about $780K, with the middle half between $400K and $2M. HMDA, 2025 - Lenders reported a median rate of 7.00% on 990 loans in Kentucky, with the middle half between 6.75% and 7.50%. HMDA, 2025 - The median term in Kentucky was 6 years. HMDA, 2025 - 37% of multifamily loans in Kentucky were refinancings. HMDA, 2025 - Most recorded loans in Kentucky were in Jefferson County, KY (302), Fayette County, KY (167), Warren County, KY (125). HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in Kentucky **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in Kentucky, manufactured-home parks excluded. A lender is listed if it made at least one. **Order** Largest first by loans made in 2025, then loans in 2024, then dollars in 2025, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Data** [JSON version of this list](https://lender.report/rankings/multifamily-lenders-by-state.json) **Changelog** November 12, 2026: First published, with the data built on this date. Is your institution on this list? [Show your rank](https://lender.report/for-lenders/badge/). It carries the date and links back to this page. Multifamily loans finance buildings with five or more homes. HMDA is the one public file that lists them loan by loan. HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date. Each lender is counted only where the public file places the loan. 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.