Kentucky VA Loan Rates, Closing Costs & Stats

Kentucky

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

For additional benefits of VA loans, click here.

Kentucky VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Kentucky averaged 6.3% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

Kentucky's average VA mortgage closing costs are $5,463.

The average rate for the prior week (2025-03-28) was 6.82% and one month ago for the week of 2025-02-28, the average rate was 6.5%.

The average rate one year ago was 7.01%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.36%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Kentucky VA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Kentucky level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mortgage Research Center, LLC 1,483 6.42% $5,304
UNITED WHOLESALE MORTGAGE, LLC 714 6.09% $6,557
QUICKEN LOANS, LLC 450 6.15% $8,890
FREEDOM MORTGAGE CORPORATION 399 6.35% $6,456
PENNYMAC LOAN SERVICES, LLC 216 5.74% $6,707
NAVY FEDERAL CREDIT UNION 210 5.92% $4,842
STOCKTON MORTGAGE CORPORATION 189 6.36% $9,270
USAA Federal Savings Bank 172 6.30% $7,807
NEW DAY FINANCIAL, LLC 136 7.56% $10,692
VILLAGE CAPITAL MORTGAGE 110 5.85% $5,164
GUARANTEED RATE, INC. 103 6.17% $5,986
NEWREZ LLC 91 6.03% $6,382
Northpointe Bank 86 6.37% $9,916
CROSSCOUNTRY MORTGAGE, LLC 76 6.51% $7,399
VICTORY MORTGAGE, L.L.C. 76 5.61% $8,269
ARK-LA-TEX FINANCIAL SERVICES, LLC. 69 6.57% $7,889
MORTGAGE SOLUTIONS OF COLORADO, LLC 62 7.27% $3,965
Magnolia Bank 62 6.21% $10,730
The Federal Savings Bank 61 6.32% $14,514
BROKER SOLUTIONS, INC. 58 6.55% $9,754
LOANDEPOT.COM, LLC 58 6.13% $9,374
PLANET HOME LENDING, LLC 55 5.84% $3,847
RUOFF MORTGAGE COMPANY, INC. 54 6.66% $5,121
Mr. Cooper ( Nationstar Mortgage ) 51 6.28% $8,492
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 50 6.48% $6,884
Prosperity Home Mortgage, LLC 48 6.27% $9,382
LAKEVIEW LOAN SERVICING, LLC 47 5.73% $5,581
SOUTH CENTRAL BANK, INC. 42 6.27% $5,190
EVANSVILLE TEACHERS 42 6.51% $7,102
UNION HOME MORTGAGE CORP. 41 6.43% $7,507
Barrington Bank & Trust Company, N.A. 37 6.43% $7,264
Carrington Mortgage Services, LLC 36 6.04% $9,851
U.S. Bank 36 6.41% $8,817
T2 FINANCIAL LLC 33 6.34% $8,743
Equity Prime Mortgage LLC 33 6.61% $6,266
Century Mortgage Company DBA Century Lending Company 33 5.95% $7,876
Paramount Residential Mortgage Group, Inc. 32 6.58% $7,737
GENEVA FINANCIAL, LLC 32 6.57% $4,737
DHI MORTGAGE COMPANY, LTD. 32 5.54% $6,282
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 31 6.55% $8,263
FIRST COMMUNITY MORTGAGE, INC. 30 6.21% $8,639
CLEARPATH LENDING 30 5.70% $5,629
GERSHMAN INVESTMENT CORP. 28 6.43% $4,133
MUTUAL OF OMAHA MORTGAGE, INC. 27 6.25% $13,225
FBC MORTGAGE, LLC 27 5.58% $6,843
EVERETT FINANCIAL, INC. 26 6.76% $6,048
Fifth Third Bank 26 6.43% $4,909
INSPIRE HOME LOANS INC. 25 5.54% $9,965
PENTAGON FEDERAL CREDIT UNION 24 6.26% $8,503
HOMESIDE FINANCIAL, LLC 24 6.50% $13,233
Flagstar Bank, FSB 24 6.34% $7,475
AMERISAVE MORTGAGE CORPORATION 22 6.34% $11,241
NBKC BANK 22 5.92% $5,119
Legacy Home Loans, LLC 22 6.15% $10,739
First Federal Bank 21 5.60% $6,955
FIRST EQUITY MORTGAGE INCORPORATED 20 5.92% $10,553
Republic State Mortgage Co. 19 6.68% $6,881
Stock Yards Bank & Trust Company 18 6.22% $5,902
Guardian Savings Bank, A Federal Savings Bank 17 6.15% $5,264
THE MORTGAGE WAREHOUSE,LLC 16 6.50% $8,138
DAS Acquisition Company, LLC 16 6.46% $5,941
SWBC MORTGAGE CORPORATION 16 6.39% $4,430
ROSS MORTGAGE CORPORATION 16 6.80% $6,293
German American Bank 15 6.49% $7,669
Plains Commerce Bank 15 6.59% $7,571
HOMEBRIDGE FINANCIAL SERVICES, INC. 15 6.43% $2,243
Bank of England 14 6.53% $9,151
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 14 6.42% $6,102
CMG MORTGAGE, INC. 14 6.41% $8,574
Truist 14 6.20% $4,047
SUN WEST MORTGAGE COMPANY, INC. 14 6.13% $7,987
JPMorgan Chase Bank 14 6.29% $4,823
Republic Bank & Trust Company 13 6.05% $5,242
MOVEMENT MORTGAGE, LLC 13 6.57% $5,482
SUCCESS MORTGAGE PARTNERS, INC. 13 6.24% $10,464
Ixonia Bank 13 6.81% $9,099
INTERLINC MORTGAGE SERVICES, LLC 12 6.66% $6,283
PNC Bank 12 6.61% $4,765
The Loan Store, Inc. 12 6.31% $9,263
Peoples Exchange Bank 11 6.09% $4,274
PREMIER LENDING, INC. 11 6.19% $7,229
PULTE MORTGAGE LLC 11 5.10% $6,758
SOUTHWEST FUNDING, LP 11 6.54% $8,564
CARDINAL FINANCIAL 11 6.69% $14,347
AMERICAN FINANCIAL RESOURCES, INC. 11 6.81% $9,297
VANDERBILT MORTGAGE AND FINANCE, INC. 11 5.94% $6,295
Armed Forces Bank 10 6.20% $7,919
AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.39% $9,192
AmRes Corporation 9 7.11% $7,713
Texana Bank 9 6.28% $7,554
LEADERONE FINANCIAL CORPORATION 8 6.75% $5,181
AmeriHome Mortgage Company, LLC 8 6.17% $6,845
BAYSHORE MORTGAGE FUNDING, LLC 8 6.63% $9,548
GoPrime Mortgage, Inc. 8 6.78% $6,308
Lakeview Community Capital, LLC 8 5.92% $5,049
POLARIS HOME FUNDING CORP. 8 6.70% $10,319
The Huntington National Bank 8 6.70% $5,396
Traditional Bank, Inc. 8 6.47% $4,617
PHH Mortgage Corporation 7 5.53% $6,691
GUILD MORTGAGE COMPANY 7 5.86% $10,501
Abound Federal Credit Union 7 5.98% $6,195
Fortera Federal Credit Union 7 6.14% $5,163
NORWICH COMMERCIAL GROUP, INC. 6 6.56% $3,455
Legends Bank 6 6.02% $6,819
AMERICAN FINANCIAL NETWORK, INC. 6 6.54% $6,792
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.06% $3,071
Nations Lending Corporation 6 6.50% $9,768
PLAZA HOME MORTGAGE, INC. 6 6.44% $8,633
FAIR WAY LENDING LLC 5 6.50% $3,802
WesBanco 5 6.00% $4,274
CHURCHILL MORTGAGE CORPORATION 5 6.52% $9,272
Renasant Bank 5 6.55% $4,887
Strong Home Mortgage, LLC 5 5.65% $13,389
Old National Bank 5 6.03% $3,074
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.37% $3,341
ENVOY MORTGAGE, LTD 4 6.41% $15,613
RELIANCE FIRST CAPITAL, LLC 4 6.59% $8,297
Regions Bank 4 6.50% $10,876
PREMIER MORTGAGE RESOURCES, L.L.C. 4 6.13% $11,008
GUARANTEED RATE AFFINITY, LLC 4 6.50% $11,883
TOP FLITE FINANCIAL, INC. 4 6.50% $9,107
MORTGAGEONE, INC. 4 7.22% $3,134
BAY EQUITY LLC 4 6.06% $5,506
Central Bank 4 6.25% $7,136
ALLIED MORTGAGE GROUP, INC. 4 6.31% $6,696
FirstBank 4 6.34% $2,685
ROYAL UNITED MORTGAGE LLC 4 6.53% $9,060
MORTGAGE MASTERS OF INDIANA, INC. 3 6.42% $4,866
Wells Fargo Bank 3 6.17% $8,368
MORTGAGE INVESTORS GROUP, INC. 3 6.08% $6,901
EMM LOANS LLC 3 6.54% $5,595
ENDEAVOR CAPITAL, LLC. 3 7.04% $6,631
CITY FIRST MORTGAGE SERVICES, L.L.C. 3 7.33% $6,277
NFM, INC. 3 6.13% $4,990
North American Savings Bank, F.S.B. 3 5.88% $6,028
Heartland Bank 3 6.04% $4,221
TOWNE MORTGAGE COMPANY 3 6.71% $6,004
1st National Bank 3 6.38% $10,597
MICHIGAN MUTUAL, INC. 3 6.42% $8,283
American Mortgage & Equity Consultants, Inc. 3 6.58% $7,218
PREMIA MORTGAGE, LLC 3 6.00% $5,477
CANOPY MORTGAGE, LLC 3 6.21% $7,164
RiverHills Bank 3 6.38% $4,785
First Federal Bank 3 6.46% $8,415
FIRST MORTGAGE COMPANY, INC. 3 6.00% $12,696
BETTER MORTGAGE CORPORATION 2 5.50% $9,668
ISERVE RESIDENTIAL LENDING, LLC 2 6.25% $14,581
MID AMERICA MORTGAGE, INC. 2 7.25% $3,908
MLD MORTGAGE INC. 2 6.44% $2,731
MORIA DEVELOPMENT, INC. 2 6.69% $7,149
NATIONS DIRECT MORTGAGE, LLC 2 5.94% $7,829
NATIONS RELIABLE LENDING, LLC 2 6.87% $6,729
NVR Mortgage Finance, Inc. 2 6.31% $3,208
OCEANSIDE MORTGAGE COMPANY 2 5.69% $8,145
ON Q FINANCIAL, INC. 2 7.19% $6,791
EQUITY RESOURCES, INC. 2 6.88% $9,084
DIRECT MORTGAGE LOANS, LLC 2 7.19% $12,927
Presidential Bank, FSB 2 6.44% $12,871
DESCO 2 6.75% $3,456
DELMAR FINANCIAL COMPANY 2 6.50% $9,807
COMMUNITY MORTGAGE CORPORATION 2 5.88% $6,058
Citizens Bank 2 6.38% $2,812
SeaTrust Mortgage Company 2 6.38% $7,627
SECURITYNATIONAL MORTGAGE COMPANY 2 5.81% $16,722
SIRVA MORTGAGE, INC. 2 6.75% $1,302
BankPlus 2 6.25% $3,094
The Park National Bank 2 5.75% $3,968
ZILLOW HOME LOANS, LLC 2 6.50% $8,557
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.94% $5,184
VAN DYK MORTGAGE CORPORATION 1 7.13% $15,177
Alcova Mortgage LLC 1 6.13% $600
Waterstone Mortgage Corporation 1 6.50% $16,346
Service Federal Credit Union 1 6.63% $2,250
V.I.P. MORTGAGE, INC. 1 6.49% $5,360
First Citizens National Bank 1 6.63% $2,392
M&T Bank 1 6.50% $2,548
Capital Bank 1 5.75% $7,155
First Financial Bank 1 6.25% $4,555
Stride Bank 1 7.13% $15,526
First National Bank Texas 1 5.75% $4,996
CALCON MUTUAL MORTGAGE LLC 1 6.25% $5,329
BOKF 1 7.13% $19,873
INTERCOASTAL MORTGAGE COMPANY 1 6.25% $9,589
First United Bank and Trust Company 1 6.63% $5,107
Great Plains National Bank 1 6.25% $6,328
Bank of America 1 6.00% $6,460
The First National Bank of Middle Tennessee 1 5.75% $3,179
MORTGAGE FINANCIAL GROUP, INC. 1 6.50% $14,352
AXIA FINANCIAL, LLC 1 7.25% $11,125
ASHLAND Credit Union 1 7.25% $0
Granite Community Bank 1 5.63% $8,316
TJC Mortgage, Inc. 1 5.75% $1,768
MORTGAGE ACCESS CORP. 1 6.75% $12,569
Towne Bank 1 6.75% $18,022
Midwest Mortgage Associates Corporation 1 6.25% $8,285
HOMESTEAD FUNDING CORP. 1 5.25% $1,058
Ameris Bank 1 6.25% $3,802
FLAT BRANCH MORTGAGE, INC. 1 7.00% $16,980
Union Savings Bank 1 6.75% $3,591
AMERICAN FINANCING CORPORATION 1 7.25% $7,477
Forcht Bank 1 5.63% $5,028
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.63% $7,632
Countybank 1 5.75% $8,794
Eagle Bank and Trust Company 1 6.75% $16,019
EMBRACE HOME LOANS, INC. 1 7.25% $6,004
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.49% $5,022
Cornerstone First Mortgage, Inc 1 5.50% $7,447
ALLIANT CREDIT UNION 1 5.75% $8,985
OPEN MORTGAGE, LLC 1 6.50% $6,082
Farmers Bank & Trust 1 5.99% $2,713
FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.25% $12,835

The top Kentucky VA lender as defined by loan originations is Mortgage Research Center, LLC, with 1,483 VA loans originated. Their average total fees are $5,304, which is $1,253 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Kentucky VA lenders (with over 10 loans originated) are HOMEBRIDGE FINANCIAL SERVICES, INC. ($2,243), PLANET HOME LENDING, LLC ($3,847), MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,965), Truist ($4,047) and GERSHMAN INVESTMENT CORP. ($4,133).

The lowest rate Kentucky VA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC (5.10%), INSPIRE HOME LOANS INC. (5.54%), DHI MORTGAGE COMPANY, LTD. (5.54%), FBC MORTGAGE, LLC (5.58%) and First Federal Bank (5.60%).

VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.