Lenders
Field & Main Bank
Field & Main Bank is a community bank at 140 North Main Street in Henderson, Kentucky, serving Kentucky and Indiana. As of May 1, 2026 it is part of Stock Yards Bank & Trust, and the bank says the Field & Main name will transition later in the year.
Its investment property loan is for income-producing property rather than owner-occupied space. On the commercial side that covers property to be leased or renovated for resale, and commercially zoned or agricultural land to be developed, leased or resold. On the residential side it covers single or multi-family property to be rented or renovated for resale, and residential land to be developed or resold. A business buying a property for its own use is directed to an owner-occupied commercial real estate loan instead.
The bank was formed on January 26, 2015, when Ohio Valley Financial Group, Inc. and BankTrust Financial Corp merged. It also offers treasury management, business and personal card services with CardValet controls, and publishes a CRA public file; the bank notes that CRA performance will ultimately be reported under Stock Yards Bank & Trust.
The bank states that investment property loans usually require down payments of 25-30% or more, that there may be less leeway on credit scores, and that lenders want to see cash reserves covering several months of payments if a property does not rent or resell on schedule. Rates, fees and recourse terms are not published, and borrowers should confirm how the Stock Yards transition affects current terms and contacts.
Best for
Investors in Kentucky or Indiana financing a rental, a flip, or commercially zoned or agricultural land who can put 25-30% down and show several months of reserves. Not a fit outside that footprint, or for owner-occupied purchases, which use a different loan.
What they do
- Investment property loans
- Owner-occupied commercial real estate loans
- Land acquisition and development financing
- Renovate-and-resell financing
- Single and multi-family rental property loans
- Treasury management
- Business card services
Details
| Attribute | Value |
|---|---|
| Founded | 2015 |
| Ownership | Subsidiary |
| Lender type | Bank |
What stands out
- Part of Stock Yards Bank & Trust as of May 1, 2026, with the Field & Main name set to transition later in the year.
- Formed on January 26, 2015 by the merger of Ohio Valley Financial Group, Inc. and BankTrust Financial Corp.
- States that investment property loans usually require a down payment of 25-30% or more.
- Headquartered at 140 North Main Street, Henderson, Kentucky.
Common questions
- What is an investment property loan?
- It is a mortgage for a property meant to make money, whether it will be leased or renovated and resold. A property a business will occupy itself is financed with an owner-occupied commercial real estate loan instead.
- What can an investment property loan be used for?
- Commercial property to be leased or renovated for resale, commercially zoned or agricultural land to be developed, leased or resold, single or multi-family residential property to be rented or flipped, and residential land to be developed or resold.
- How do you qualify for an investment property loan?
- The bank says these loans usually require larger down payments of 25-30% or more, that there may be less leeway with credit scores, and that most lenders want to see cash reserves sufficient to cover several months of mortgage payments if the property is not rented or resold on schedule.