Commercial Real Estate Financing in Kentucky | KY Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Kentucky. Current commercial loan rates in Kentucky range from 5.58% to 14.7%, depending on the loan program. CLD is a national commercial mortgage banker offering aggressively priced programs and superb service. CLD originates loans for its parent company CLD Financial which provides a wide variety of lending vehicles. Our company is currently targeting owner occupied and investment properties over $1 Million in the state of KY. We also have a dedicated page for apartment loans in Kentucky.

Kentucky Commercial Loan Programs Kentucky Economic Data Kentucky Lending Cities

Kentucky Commercial Loan Rates

Commercial Loan Types	Average Kentucky Rates	LTV	Loan Amount	Occupancy
Conventional	6.07% - 10.20%	80%	$1,000,000+	Investment + Owner Occupied
Conduit / CMBS	6.08% - 7.69%	75%	$2,000,000+	Investment
Insurance	5.58% - 8.09%	75%	$5,000,000+	Investment + Owner Occupied
FHA / HUD	5.57% - 6.42%	83.3%	$5,000,000+	Investment
USDA	6.20% - 11.20%	85%	$1,000,000+	Investment + Owner Occupied
Bridge	6.20% - 14.20%	80%	$1,500,000+	Investment
Construction	9.70% - 14.70%	83.3%	$1,000,000+	Investment
SBA	5.70% - 10.70%	85% - 90%	$1,000,000+	Owner Occupied

Types of Commercial Loans in Kentucky

Investment Property Mortgages

The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.

Owner Occupied Commercial Mortgages

Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.

Apply for a Commercial Loan in Kentucky

Quick Quote

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.

Locations Served in Kentucky

We are proud to be serving the state of Kentucky. Here are our commercial loan statistics for this state.

Kentucky Cities and Towns Served

Kentucky Economic Data

Please note that commercial loan rates are dependent on the market. We have provided market data for KY below to help you understand what kind of market you are in. Simply click one of the options below to see the data for KY. Economic data reports provided by Data USA.

Economy

Housing

Lending Cities

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.

Adair County
Albany
Alexandria
Allen County
Anchorage
Anderson County
Annville
Ashland
Auburn
Audubon Park
Augusta
Ballard County
Barbourmeade
Barbourville
Bardstown
Bardwell
Barren County
Bath County
Beattyville
Beaver Dam
Bedford
Beechwood Village
Bell County
Bellevue
Benton
Berea
Bloomfield
Boone County
Booneville
Bourbon County
Bowling Green
Boyd County
Boyle County
Bracken County
Brandenburg
Breathitt County
Breckinridge Center
Breckinridge County
Brodhead
Brooks
Brooksville
Brownsville
Buckner
Buechel
Bullitt County
Burkesville
Burlington
Butler County
Cadiz
Caldwell County
Calhoun
Calloway County
Calvert City
Camargo
Campbell County
Campbellsville
Campton
Carlisle
Carlisle County
Carroll County
Carrollton
Carter County
Casey County
Catlettsburg
Cave City
Central City
Christian County
Clark County
Claryville
Clay
Clay City
Clay County
Clinton
Clinton County
Cloverport
Coal Run Village
Cold Spring
Coldstream
Columbia
Corbin
Covington
Crescent Springs
Crestview Hills
Crestwood
Crittenden
Crittenden County
Cumberland
Cumberland County
Cynthiana
Danville
Daviess County
Dawson Springs
Dayton
Dixon
Doe Valley
Douglass Hills
Dry Ridge
Earlington
Eddyville
Edgewood
Edmonson County
Edmonton
Elizabethtown
Elk Creek
Elkfork
Elkton
Elliott County
Elsmere
Eminence
Erlanger
Estill County
Fairdale
Falmouth
Farley
Fayette County
Fern Creek
Flatwoods
Fleming County
Flemingsburg
Florence
Floyd County
Fort Campbell North
Fort Knox
Fort Mitchell
Fort Thomas
Fort Wright
Francisville
Frankfort
Franklin
Franklin County
Frenchburg
Fulton
Fulton County
Gallatin County
Garrard County
Georgetown
Glasgow
Grant County
Graves County
Graymoor-Devondale
Grayson
Grayson County
Green County
Greensburg
Greenup
Greenup County
Greenville
Guthrie
Hancock County
Hardin County
Hardinsburg
Harlan
Harlan County
Harrison County
Harrodsburg
Hart County
Hartford
Hawesville
Hazard
Hebron
Hebron Estates
Henderson
Henderson County
Hendron
Henry County
Heritage Creek
Hickman
Hickman County
Highland Heights
Highview
Hillview
Hindman
Hodgenville
Hopkins County
Hopkinsville
Horse Cave
Hurstbourne
Hurstbourne Acres
Hyden
Independence
Indian Hills
Indian Hills Cherokee Section
Inez
Ironville
Irvine
Irvington
Jackson
Jackson County
Jamestown
Jefferson County
Jeffersontown
Jeffersonville
Jenkins
Jessamine County
Johnson County
Junction City
Kenton County
Knott County
Knottsville
Knox County
La Center
La Grange
Lakeside Park
Lancaster
Larue County
Laurel County
Lawrence County
Lawrenceburg
Lebanon
Lebanon Junction
Ledbetter
Lee County
Leitchfield
Leslie County
Letcher County
Lewis County
Lewisport
Lexington
Lexington-Fayette
Liberty
Lincoln County
Livermore
Livingston County
Logan County
London
Louisa
Louisville
Ludlow
Lyndon
Lyon County
Madison County
Madisonville
Magoffin County
Manchester
Marion
Marion County
Marshall County
Martin County
Mason County
Masonville
Massac
Mayfield
Maysville
McCracken County
McCreary County
McKee
McLean County
Meade County
Meads
Menifee County
Mercer County
Metcalfe County
Middlesboro
Middletown
Midway
Monroe County
Montgomery County
Monticello
Morehead
Morgan County
Morganfield
Morgantown
Mount Olivet
Mount Sterling
Mount Vernon
Mount Washington
Muhlenberg County
Munfordville
Murray
Nelson County
New Castle
Newburg
Newport
Nicholas County
Nicholasville
North Corbin
Northfield
Nortonville
Oak Grove
Oakbrook
Ohio County
Okolona
Oldham County
Olive Hill
Orchard Grass Hills
Owen County
Owensboro
Owenton
Owingsville
Owsley County
Paducah
Paintsville
Paris
Park Hills
Pendleton County
Perry County
Pewee Valley
Pike County
Pikeville
Pine Knot
Pineville
Pioneer Village
Plano
Pleasure Ridge Park
Powell County
Prestonsburg
Princeton
Prospect
Providence
Pulaski County
Raceland
Radcliff
Reidland
Richmond
Robertson County
Rockcastle County
Rowan County
Russell
Russell County
Russell Springs
Russellville
Ryland Heights
Saint Dennis
Saint Matthews
Saint Regis Park
Salyersville
Sandy Hook
Scott County
Scottsville
Sebree
Shelby County
Shelbyville
Shepherdsville
Shively
Silver Grove
Simpson County
Simpsonville
Smithland
Somerset
South Shore
Southgate
Spencer County
Springfield
Stanford
Stanton
Stearns
Sturgis
Taylor County
Taylor Mill
Taylorsville
Todd County
Tompkinsville
Trigg County
Trimble County
Union
Union County
Valley Station
Van Lear
Vanceburg
Verona
Versailles
Villa Hills
Vine Grove
Walton
Warren County
Warsaw
Washington County
Watterson Park
Wayne County
Webster County
West Buechel
West Liberty
Westwood
Whitesburg
Whitley City
Whitley County
Wickliffe
Wilder
Williamsburg
Williamstown
Wilmore
Winchester
Windy Hills
Wolfe County
Woodford County
Worthington
Worthington Hills
Wurtland