How to reach them and apply
| Website | www.kyhabitat.org |
|---|---|
| Office (official list) | 43 South Daves Street #2, Madisonville, KY 42431 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Income limit applies
Retrofitting cargo containers to become super energy-efficient homes for residents of Kentucky who earn less than $6,000 to $9,000 annual household income.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 6 May 2014 |
| RSSD ID | — (none listed) |
| Address | 43 South Daves Street #2, Madisonville, KY 42431 Directions (Google Maps) |
| Website | www.kyhabitat.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe read 10 pages of this lender's website on 3 Nov 2026 but could not confirm any loan product, loan size or service area there, so we list nothing rather than guess. That doesn't mean it lacks them. Check www.kyhabitat.org or contact the lender directly.
Questions to ask when you contact them
Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$299,895 in 2 awards from the U.S. Treasury's CDFI Fund, 2006–2021 (CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2006 | CDFI Program, Technical Assistance | $99,895 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $4.4M |
|---|---|
| Total liabilities | $143,688 |
| Net assets | $4.3M |
| Total revenue | $8.3M |
| Notes and loans receivable, net (Part X line 7) | $140,246 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 61-1267867, filed as “KENTUCKY HABITAT FOR HUMANITY”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $792,592 | $578,141 | $611,303 | $118,450 |
| Jun 2022 (990) | $1.1M | $952,073 | $1.2M | $123,502 |
| Jun 2023 (990) | $4.4M | $4.3M | $8.3M | $140,246 |
Total assets grew 459% from Jun 2021 to Jun 2023; notes and loans receivable rose 18%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $4.4M | Larger than 11% of the 9 other certified loan funds and venture funds in Kentucky with a matched Form 990 (median $30.3M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Kentucky | 9 | larger than 11% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Madisonville and Kentucky
- Catalytic Development Funding Corp. of Northern KentuckyLoan fund · Covington, KYCommercial real estate loans, Affordable housing development loansVerified
- Community Ventures Corporation, Inc.Loan fund · Lexington, KYSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Frontier Housing, Inc.Loan fund · Morehead, KYHome repair / improvement loans, Home mortgagesVerified
- Kentucky Highlands Investment CorporationLoan fund · London, KYAgriculture / farm loans, Equipment loans, Microloans, Small-business loansVerified
- Louisville Housing Opportunities and Micro-Enterprise Community Development Loan Fund, Inc., TheLoan fund · Louisville, KYSmall-dollar / emergency loans, Energy / solar / efficiency loans, Home repair / improvement loans, Small-business loansVerified
- Mountain Association for Community Economic Development, Inc.Loan fund · Berea, KYSmall-dollar / emergency loans, Energy / solar / efficiency loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.