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 4.7% to 16.11%, 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 Loans

Kentucky Commercial Loan Rates

Commercial Loan Types Average Kentucky Rates LTV Loan Amount Occupancy
Conventional 5.11% - 8.04% 80% $1,000,000+ Investment + Owner Occupied
Conduit / CMBS 5.59% - 6.71% 75% $2,000,000+ Investment
Insurance 5.04% - 7.29% 75% $5,000,000+ Investment + Owner Occupied
FHA / HUD 4.59% - 5.44% 83.3% $5,000,000+ Investment
USDA 5.70% - 8.70% 85% $1,000,000+ Investment + Owner Occupied
Bridge 7.11% - 16.11% 80% $1,500,000+ Investment
Construction 7.20% - 12.20% 83.3% $1,000,000+ Investment
SBA 4.70% - 8.20% 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

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

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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
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