Commercial Loan Direct (CLD) provides apartment loans in Kentucky. Current apartment loan rates in Kentucky range from 4.93% to 12.95%, depending on the loan program.
For more in-depth multifamily interest rates, please visit our Apartment Loan Rates page.
Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
We are proud to be serving the state of Kentucky. Here are our commercial loan statistics for this state.
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The 2026 environment in Kentucky is characterized by a "supply-first" mentality. With state research indicating a need for up to 500,000 new units by 2050, the financing market is shifting from purely federal-dependent models to locally driven infrastructure districts and aggressive state-backed gap funding.
KHC manages the core tranches of affordable capital. The 2025-2026 Qualified Allocation Plan (QAP) has prioritized "Urban" and "Balance of State" set-asides to ensure geographic equity.
Significant legislative action in early 2026 has introduced new ways to finance the "upfront" costs of multifamily development.
Kentucky’s market fundamentals remain strong, with particular heat in the "Golden Triangle" (Louisville, Lexington, and Northern Kentucky).
Commercial loan direct provides services in the following Kentucky cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided Kentucky economic reports to get a better understanding of your market.
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What Clients Say About Us
Fernando and Leanne are amazing. I had many small businesses that need refinancing over the years. I have met many Brokers and there is always a catch. ALWAYS!… Use them! Once you do you will work with them forever
- Nirav Patel
If you searching for a great experience Commercial Loan Direct is the place. Leanne took care of me and honestly had the greatest experience. She handled all of my needs in a smooth and timely manner listened and addressed any concerns I had about the process and was very patient. I can be quite a handful at times and Leanne was so professional and kind hearted. I'd 100% recommend this company. Thank you again.
- Vincent Arias
We were in unfamiliar territory when it came to refinancing. Commercial Loan Direct streamlined the whole process for us. Leann connected us with lenders that were the right fit for us. The money and time we saved was so worth it. I highly recommend them
- Rita Pisarski
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