2 Construction Loan Lenders in Central-City, Kentucky in 2026

Lendersa® offers a directory of construction loan lenders in Central-City, KY, including regional banks, national finance institutions, and local hard money lenders who provide private funding for ground-up construction or major rehabs.

In Central-City, KY, lenders estimate the construction costs for a 2,000 square foot home, ranging from $223,925 for basic constructions to $406,527 for more luxurious projects. Interest rates and loan terms vary based on borrower financials, the loan-to-value (LTV) ratio, after-repair value (ARV), and the type of lender chosen.

Compare offers from 100 lenders to find the best option for your needs.

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Lendersa® uses AI technology to seamlessly match your loan requests with numerous construction lenders, ensuring all your financing needs are met. Discover competitive construction rates for funding ground-up projects, fix-and-flip ventures, or significant rehabs on both residential and commercial properties in KY.

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If you agree to use additional property as collateral, you might qualify for 100% LTV (Loan to Value) financing through a blanket loan.

Utilize the Lendersa® land loan calculator to find vacant land loan providers in ZIP codes 42330, simplifying your search for effective financial solutions.



Central-City Construction Loan Lenders

  • First United Bank and Trust Company
  • 162 North Main Street, Madisonville, KY, 42431
  • Lends in Kentucky
  • First United Bank and Trust Company is a real community bank, formed in 1996 to fill a need for traditional, personal banking in the area. Today, even though we’ve grown, our roots remain in community banking. Our focus is to support the communities we serve with the best possible products and services.

  • Morgantown Bank & Trust
  • 201 N Main Street, Morgantown, KY, 42261
  • Lends in Kentucky
  • Morgantown Bank & Trust is an independent financial institution which strives to be an asset to our communities through community involvement. We understand the importance of our employees and strive to attract, develop, and retain employees of the highest character and competence.

  • Independence Bank
  • 2425 Frederica St, Owensboro, KY, 42301
  • Lends in Kentucky
  • Independence Bank sought to create a banking revolution. Shortly after appointing the Bank’s current CEO in 1991, Independence Bank arrived at a flashpoint in this mission. It was a time when financial multinationals marched through communities annexing smaller banks. Centralized, “big bank” practices became the norm.

  • Planters Bank
  • 1312 S Main St, Hopkinsville, KY, 42240
  • Lends in Kentucky
  • Planters Bank is a growing community bank with 12 offices in Western Kentucky & Clarksville, Tennessee. Headquartered in Hopkinsville, KY, Planters is a full-service bank with a wide array of both consumer & commercial lending and deposit services. A tradition of excellence in customer service is the reason you can Expect Great Things.

  • United Southern Bank
  • 1813 East 9th St, Hopkinsville, KY, 42241
  • Lends in Kentucky
  • United Southern Bank offers a range of banking services to meet today’s financial needs, from Personal Checking and Savings Accounts to Individual Retirement Accounts (IRAs) to Mortgage Loans with competitive rates. We also offer an array of business services including Commercial Checking, Business Savings Accounts

  • Field & Main Bank
  • 140 North Main Street, Henderson, KY, 42420
  • Lends in Kentucky
  • At Field & Main Bank®, we believe that banking should be built on more than transactions. It should start with relationships. We have a heart for service and an appreciation for innovative experiences. We’re changing lives and strengthening communities by approaching relationships with care, honoring our values.

  • Farmers Bank and Trust Company
  • PO Box 559, Princeton, KY, 42445
  • Lends in Kentucky
  • FARMERS BANK AND TRUST COMPANY is an entity registered with the U.S. General Services Administration (GSA), System for Award Management (SAM). The corporation number is #J6GLPKB2MRG2. The business address is 111 W Washington St, Princeton, KY 42445-1907, USA. The point of contact name is Scott Laffoon.

  • Bank of Edmonson County
  • 109 N Main St, Brownsville, KY, 42210
  • Lends in Kentucky
  • Bank of Edmonson County understands the American Dream of home ownership. We have helped many of your neighbors finance the purchase or construction of their homes. We want to help you. Because the purchase of a home is the single most important investment most of us will ever make, a buyer needs to choose the source of financing as carefully as th

  • Franklin Bank & Trust
  • 317 N Main St, Franklin, KY, 42134
  • Lends in Kentucky
  • Franklin Bank & Trust Co. is ""Hometown Banking At Its Best Since 1958"". We opened our doors on Dec. 1, 1958 and are still here doing what we do best for you.

    We have expanded our offices into Warren County with 3 convenient locations in Bowling Green as well as 2 full service locations in Franklin.

  • Bank of Clarkson
  • 101 E. Main Street, Clarkson, KY, 42726
  • Lends in Kentucky
  • Bank of Clarkson is proud to be a locally-owned hometown bank. We are dedicated to not only meeting but exceeding your customer service expectations of quality customer service.

    This bank and every director, officer and employee is a part of this community. We live, shop and belong to the same organizations as you.