Kentucky VA Loan Rates, Closing Costs & Stats

Kentucky

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    • 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.