Kentucky Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Kentucky averaged 6.68% for the week of 2024-02-15, compared to the national average of 6.77% for the same period.

The average rate for the prior week (2024-02-08) was 6.45% and one month ago for the week of 2024-01-11, the average rate was 6.17%.

Kentucky's average rate one year ago was 6.03%.

For refis of the same type during the week of 2024-02-15, the average rate was 5.9%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-15 6.77%
Kentucky 30 Year Fixed Rate 2024-02-15 6.68%
Kentucky 30 Year Fixed Rate Refi 2024-02-15 5.9%
Kentucky 15 Year Fixed Rate 2024-02-15 6.14%
Kentucky 15 Year Fixed Rate Refi 2024-02-15 5.57%
Kentucky 30 Year FHA 2024-02-15 6.26%
Kentucky 30 Year FHA Refi 2024-02-15 5.03%
Kentucky 30 Year USDA 2024-02-15 5.94%
Kentucky 30 Year USDA Refi 2024-02-15 6.49%
Kentucky 30 Year VA 2024-02-15 6.14%
Kentucky 30 Year VA Refi 2024-02-15 4.28%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Kentucky.

Kentucky Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Kentucky market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 2,179 5.03% $5,724
UNITED WHOLESALE MORTGAGE, LLC 1,819 5.25% $4,846
U.S. Bank 1,134 5.00% $3,394
STOCKTON MORTGAGE CORPORATION 1,115 5.14% $4,347
EVANSVILLE TEACHERS 914 4.76% $3,324
Republic Bank & Trust Company 858 4.73% $3,744
JPMorgan Chase Bank 846 4.82% $3,400
Stock Yards Bank & Trust Company 830 4.59% $2,942
Guardian Savings Bank, A Federal Savings Bank 820 4.02% $1,157
Fifth Third Bank 751 4.83% $3,832
Northpointe Bank 697 5.01% $5,254
AMERICAN MORTGAGE SERVICE COMPANY 650 4.97% $4,230
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 598 5.03% $4,216
L & N Federal Credit Union 586 5.01% $2,304
Community Trust Bank, Inc. 558 5.01% $2,243
Citizens Bank 509 4.60% $3,973
PNC Bank 509 4.67% $3,704
RUOFF MORTGAGE COMPANY, INC. 500 5.39% $3,230
ARK-LA-TEX FINANCIAL SERVICES, LLC. 495 5.22% $4,127
VICTORY MORTGAGE, L.L.C. 487 4.69% $3,042
HOME POINT FINANCIAL CORPORATION 483 4.57% $4,644
Prosperity Home Mortgage, LLC 477 5.12% $4,426
The Huntington National Bank 470 4.64% $3,881
Wells Fargo Bank 461 4.67% $4,147
GUARANTEED RATE, INC. 380 4.91% $4,116
AMERISAVE MORTGAGE CORPORATION 370 4.54% $6,460
PARK COMMUNITY CREDIT UNION, INC. 364 4.75% $2,480
LOANDEPOT.COM, LLC 360 4.61% $5,223
First Financial Bank 356 5.00% $4,228
SOUTH CENTRAL BANK, INC. 351 4.77% $3,024
Central Bank 351 4.70% $2,422
Farm Credit Mid-America, ACA 337 5.34% $7,041
CALIBER HOME LOANS, INC. 325 4.84% $4,254
Truist 320 4.69% $3,549
PROVIDENT FUNDING ASSOCIATES, L.P. 316 4.78% $3,655
Magnolia Bank 310 4.74% $3,773
Bank of England 305 5.26% $4,247
GENEVA FINANCIAL, LLC 284 5.32% $4,686
Independence Bank of Kentucky 280 4.52% $2,565
COMMONWEALTH 279 4.05% $2,462
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 278 5.07% $4,919
CROSSCOUNTRY MORTGAGE, LLC 269 5.46% $5,241
WesBanco 265 4.27% $4,753
EVERETT FINANCIAL, INC. 259 5.55% $2,186
Traditional Bank, Inc. 258 4.63% $2,375
Mr. Cooper ( Nationstar Mortgage ) 256 4.81% $6,655
INTERLINC MORTGAGE SERVICES, LLC 241 5.25% $4,377
Union Savings Bank 225 4.01% $2,612
Republic State Mortgage Co. 225 5.14% $4,273
Abound Federal Credit Union 223 4.69% $2,267
City National Bank of West Virginia 214 4.30% $1,345
FREEDOM MORTGAGE CORPORATION 213 4.84% $5,073
UNION HOME MORTGAGE CORP. 207 5.04% $4,189
Hometown Lenders, Inc. 206 5.13% $4,550
THRIVE MORTGAGE, LLC 201 5.38% $4,054
The Citizens National Bank of Somerset 197 4.96% $2,352
German American Bank 195 4.89% $3,261
Edmonton State Bank 181 5.16% $2,903
Wilson & Muir Bank & Trust Company 174 5.08% $2,473
Forcht Bank 170 4.43% $2,196
The Cecilian Bank 167 5.10% $2,362
THE MORTGAGE WAREHOUSE,LLC 166 4.89% $3,248
Old National Bank 164 4.69% $3,346
FIRST EQUITY MORTGAGE INCORPORATED 156 4.64% $4,863
Regions Bank 151 5.10% $3,415
First Savings Bank 147 4.95% $4,782
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 147 5.15% $4,957
PENNYMAC LOAN SERVICES, LLC 146 4.82% $5,896
Century Mortgage Company DBA Century Lending Company 144 5.13% $5,729
NAVY FEDERAL CREDIT UNION 138 5.31% $3,805
HOMESIDE FINANCIAL, LLC 135 5.46% $4,765
MOVEMENT MORTGAGE, LLC 133 4.81% $4,667
Third Federal Savings and Loan Association of Cleveland 132 4.10% $2,064
PRIMARY RESIDENTIAL MORTGAGE, INC. 132 4.80% $4,719
BAY EQUITY LLC 131 4.36% $4,283
ENVOY MORTGAGE, LTD 130 5.13% $4,726
PRIMELENDING, A PLAINSCAPITAL COMPANY 127 5.09% $4,928
CARDINAL FINANCIAL 126 4.51% $5,438
FBC MORTGAGE, LLC 126 5.25% $4,789
Peoples Exchange Bank 124 4.48% $2,836
Bank of America 124 4.01% $4,315
BROKER SOLUTIONS, INC. 122 5.22% $5,852
GUARANTY HOME MORTGAGE CORPORATION 119 5.01% $3,886
The Paducah Bank and Trust Company 115 4.95% $3,043
FINANCE OF AMERICA MORTGAGE LLC 115 4.91% $5,372
Flagstar Bank, FSB 111 4.83% $3,992
VANDERBILT MORTGAGE AND FINANCE, INC. 110 6.39% $5,903
GENERAL ELECTRIC CREDIT UNION 109 4.05% $3,064
NATIONS RELIABLE LENDING, LLC 108 5.18% $5,722
Heartland Bank 108 4.52% $3,493
PULTE MORTGAGE LLC 104 4.68% $1,774
Paramount Residential Mortgage Group, Inc. 100 5.15% $4,977
BETTER MORTGAGE CORPORATION 100 4.09% $4,932
Mortgage Research Center, LLC 95 5.16% $3,654
MUTUAL OF OMAHA MORTGAGE, INC. 87 5.33% $5,750
The Monticello Banking Company 83 4.79% $2,162
AMERIFIRST FINANCIAL CORPORATION 82 5.32% $4,637
NEWREZ LLC 82 4.81% $4,614
First Option Mortgage, LLC 80 5.13% $4,220
FIRST COMMUNITY MORTGAGE, INC. 79 6.26% $5,578
SERVICE ONE 76 4.49% $2,420
TRANSCEND 71 4.83% $1,312
Ally Bank 71 4.14% $5,067
GUARANTEED RATE AFFINITY, LLC 70 5.14% $4,065
FirstBank 69 5.33% $3,585
Morgan Stanley Private Bank 68 4.16% $3,714
Plains Commerce Bank 68 6.08% $3,968
CHURCHILL MORTGAGE CORPORATION 67 5.52% $4,494
LAKEVIEW LOAN SERVICING, LLC 66 4.83% $4,818
CMG MORTGAGE, INC. 65 4.24% $4,273
Carrington Mortgage Services, LLC 65 4.75% $5,280
ROYAL UNITED MORTGAGE LLC 64 5.51% $5,807
First Harrison Bank 63 4.79% $3,106
DAS Acquisition Company, LLC 63 5.43% $3,973
Peoples Bank 63 5.46% $3,172
BAYSHORE MORTGAGE FUNDING, LLC 61 5.38% $5,539
AMERICAN FINANCING CORPORATION 55 4.48% $5,407
AMERICAN PACIFIC MORTGAGE CORPORATION 53 5.51% $5,502
SUCCESS MORTGAGE PARTNERS, INC. 53 5.22% $5,367
Morgantown Bank & Trust Company, Incorporated 53 5.08% $1,790
First National Bank of America 53 8.48% $8,009
AgFirst Farm Credit Bank 52 4.99% $3,559
MEMBERS HERITAGE Credit Union 52 4.86% $3,878
Commercial Bank 50 4.68% $1,924
DESCO 49 4.78% $2,177
KEMBA CREDIT UNION, INC. 49 4.11% $2,878
Cincinnati Federal 47 4.44% $2,858
CINFED Federal Credit Union 47 4.76% $833
KELLER MORTGAGE, LLC 47 4.74% $3,525
DRAPER AND KRAMER MORTGAGE CORP. 45 4.79% $3,719
POLARIS HOME FUNDING CORP. 45 5.00% $4,662
USAA Federal Savings Bank 43 5.37% $6,312
AmeriHome Mortgage Company, LLC 43 4.76% $4,622
21ST MORTGAGE CORPORATION 42 6.42% $6,312
EMM LOANS LLC 41 5.32% $5,031
ENDEAVOR CAPITAL, LLC. 39 5.61% $5,956
GERSHMAN INVESTMENT CORP. 39 5.55% $2,957
Renasant Bank 38 4.58% $4,151
ZILLOW HOME LOANS, LLC 37 4.93% $4,492
CREDIT UNION MORTGAGE ASSOCIATION, INC. 36 3.86% $3,416
GoPrime Mortgage, Inc. 35 5.28% $5,075
North American Savings Bank, F.S.B. 35 5.58% $3,989
M&T Bank 34 4.58% $4,829
CRESCENT MORTGAGE COMPANY 33 4.45% $3,073
The Peoples Bank 33 5.22% $2,015
SOUTHWEST FUNDING, LP 31 5.08% $6,078
Discover Bank 31 5.93% $0
First Financial Bank 30 4.74% $3,428
FAIR WAY LENDING LLC 30 4.84% $4,799
First Southern National Bank 29 4.78% $2,304
Commonwealth Bank and Trust Company 28 3.76% $2,800
Wyndham Capital Mortgage, Inc. 28 4.82% $3,643
SIBCY CLINE MORTGAGE SERVICES, INC. 27 4.83% $4,579
UNITED MORTGAGE CORP 27 5.19% $6,294
MORTGAGE MASTERS OF INDIANA, INC. 27 5.17% $3,819
AMCAP MORTGAGE, LTD. 26 5.92% $4,656
1st National Bank 26 4.60% $3,081
PENTAGON FEDERAL CREDIT UNION 26 4.69% $2,911
OPTION FINANCIAL, LLC 26 5.36% $4,353
DHI MORTGAGE COMPANY, LTD. 25 4.56% $2,486
MORTGAGE INVESTORS GROUP, INC. 25 5.39% $3,747
Whitaker Bank 24 5.66% $2,286
PHH Mortgage Corporation 23 4.71% $5,739
UNIFY FINANCIAL Credit Union 23 4.35% $1,532
HAMILTON HOME LOANS, INC. 22 5.01% $4,932
SWBC MORTGAGE CORPORATION 21 5.13% $4,577
The Park National Bank 21 5.06% $3,051
PREMIA MORTGAGE, LLC 21 4.85% $2,208
Warsaw Federal Savings and Loan Association 21 4.40% $4,546
Civista Bank 21 4.24% $3,665
Heritage Federal Credit Union 21 5.29% $3,593
NBKC BANK 20 4.67% $4,606
ASHLAND Credit Union 20 5.19% $3,666
Nations Lending Corporation 20 4.60% $7,443
Stifel Bank and Trust 20 3.88% $2,466
PLAZA HOME MORTGAGE, INC. 19 4.90% $5,156
Raymond James Bank 18 3.76% $3,306
First Guaranty Mortgage Corporation 18 4.36% $5,628
ROSS MORTGAGE CORPORATION 18 5.41% $4,148
SIRVA MORTGAGE, INC. 16 5.00% $1,694
Mercantile Bank of Michigan 16 4.07% $4,367
The Federal Savings Bank 16 5.38% $8,311
KeyBank 16 4.52% $4,134
MYCUMORTGAGE, LLC 16 5.16% $3,124
Austin Capital Bank SSB 16 4.84% $4,739
Eagle Savings Bank 15 4.67% $2,674
First Federal Savings and Loan Association of Lakewood 15 4.11% $4,028
RELIANCE FIRST CAPITAL, LLC 15 4.75% $7,740
LEADERONE FINANCIAL CORPORATION 15 5.46% $3,965
BEST CAPITAL FUNDING 15 4.21% $3,680
Devon Bank 14 5.64% $4,981
Banterra Bank 14 4.65% $2,885
T2 FINANCIAL LLC 14 5.51% $7,562
Arvest Bank 13 4.95% $6,286
ANGEL OAK MORTGAGE SOLUTIONS LLC 13 6.67% $7,863
NFM, INC. 12 5.48% $5,347
MORTGAGE ACCESS CORP. 12 5.89% $5,369
Citibank 12 3.52% $4,718
F&M Bank 12 4.99% $4,976
First Internet Bank of Indiana 11 4.92% $4,443
First Federal Savings Bank 11 5.15% $2,819
HOMEBRIDGE FINANCIAL SERVICES, INC. 11 4.68% $4,019
MID AMERICA MORTGAGE, INC. 11 4.67% $4,447
Summit Community Bank, Inc. 11 5.22% $3,433
Centra Credit Union 11 4.86% $2,980
Pinnacle Bank 11 5.06% $5,580
First Horizon Bank 11 4.83% $4,206
RiverHills Bank 11 4.83% $3,102
Simmons Bank 11 4.51% $3,322
Fortera Federal Credit Union 11 5.14% $2,748
ACOPIA, LLC 11 5.52% $4,072
PARTNERS UNITED FINANCIAL, LLC 11 5.08% $4,181
Gateway First Bank 10 6.24% $5,087
Equity Prime Mortgage LLC 10 4.93% $5,214
EMBRACE HOME LOANS, INC. 10 5.39% $5,886
VAN DYK MORTGAGE CORPORATION 10 4.95% $3,087
Ameris Bank 10 4.50% $4,518
PLANET HOME LENDING, LLC 10 4.99% $4,971
LENDSURE MORTGAGE CORP. 10 7.70% $13,141
Strong Home Mortgage, LLC 9 4.39% $3,867
UBS Bank USA 9 4.11% $4,677
GUILD MORTGAGE COMPANY 9 4.93% $5,484
NATIONWIDE MORTGAGE BANKERS, INC. 9 6.24% $7,724
TOP FLITE FINANCIAL, INC. 9 4.72% $5,277
Charles Schwab Bank, SSB 9 3.54% $3,959
First Federal Bank of the Midwest 9 4.22% $4,087
MICHIGAN MUTUAL, INC. 8 3.98% $4,169
The Central Trust Bank 8 4.92% $4,101
SOFI LENDING CORP. 8 3.63% $4,472
MORTGAGE SUPPLIERS, INC. 8 4.52% $4,148
Citadel Servicing Corporation 8 7.77% $12,450
RAPID MORTGAGE COMPANY 8 5.64% $5,981
Quontic Bank 8 7.30% $12,188
EUSTIS AND AMERICAN MORTGAGE COMPANY 8 4.83% $4,670
EASTMAN 8 5.91% $4,293
UIF CORPORATION 8 5.19% $4,647
Barrington Bank & Trust Company, N.A. 8 5.06% $3,339
BMO Harris Bank 8 4.86% $4,909
Ixonia Bank 8 5.41% $8,615
Waterstone Mortgage Corporation 7 6.00% $6,213
The Union Bank Company 7 5.29% $3,926
Dollar Bank, Federal Savings Bank 7 4.98% $6,017
Armed Forces Bank 7 4.59% $4,084
River Valley AgCredit, ACA 7 7.29% $6,305
ALTRA 7 5.68% $4,390
City National Bank 7 3.64% $3,883
GVC MORTGAGE, INC. 7 5.11% $4,768
Sierra Pacific Mortgage Company, Inc. 7 4.50% $3,865
Servion, Inc. 7 4.48% $3,950
ALLIANT CREDIT UNION 7 4.02% $4,551
Merchants Bank of Indiana 7 5.14% $4,577
HANCOCK MORTGAGE PARTNERS, LLC 7 5.05% $5,432
WRIGHT-PATT CREDIT UNION, INC. 6 5.88% $3,441
S1L, Inc. 6 5.13% $4,305
BNC National Bank 6 4.79% $5,978
Central Kentucky Agricultural Credit Association 6 5.94% $3,155
GUIDANCE RESIDENTIAL, LLC 6 6.13% $6,021
JLB CORPORATION 6 4.21% $5,641
EQUITY RESOURCES, INC. 6 4.73% $3,525
CANOPY MORTGAGE, LLC 6 4.35% $3,449
HOMESTEAD FUNDING CORP. 6 4.90% $5,073
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 5.45% $4,479
ANGEL OAK HOME LOANS LLC 5 6.45% $6,680
CITIZENS EQUITY FIRST 5 4.50% $2,610
COMPASS MORTGAGE, INC. 5 6.28% $4,490
Toyota Financial Savings Bank 5 3.82% $3,675
AMERICAN INTERNET MORTGAGE, INC. 5 4.10% $3,690
ASCEND FEDERAL CREDIT UNION 5 4.80% $2,583
The Home Loan Expert LLC 5 4.83% $4,134
PANORAMA MORTGAGE GROUP, LLC 5 6.30% $4,953
DELTA COMMUNITY CREDIT UNION 5 4.73% $3,940
First Commonwealth Bank 4 4.00% $3,527
OCMBC, INC. 4 5.31% $7,232
Paramount Bank 4 5.09% $4,497
PARTNERS 1ST Federal Credit Union 4 4.59% $2,954
CapStar Bank 4 5.66% $3,418
GENISYS 4 4.81% $3,032
Evolve Bank & Trust 4 4.69% $4,636
Grand Bank for Savings, FSB 4 7.84% $4,012
AMERICAN FINANCIAL RESOURCES, INC. 4 4.69% $4,958
GREENSTATE CREDIT UNION 4 6.00% $5,273
TOWER 4 3.56% $3,226
DIGITAL Federal Credit Union 4 4.00% $4,471
FirstTrust Home Loans, Inc. 4 6.66% $3,953
INSPIRE HOME LOANS INC. 4 4.91% $4,778
THRIVENT Federal Credit Union 4 4.25% $4,837
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 4 5.69% $3,796
Deere Employees Credit Union 4 4.34% $3,176
Superior Credit Union, Inc. 4 4.22% $4,356
SUN WEST MORTGAGE COMPANY, INC. 4 5.72% $3,199
FLAT BRANCH MORTGAGE, INC. 4 4.06% $4,272
BancorpSouth 4 4.63% $3,922
SOVEREIGN LENDING GROUP INCORPORATED 4 4.31% $5,907
MORIA DEVELOPMENT, INC. 4 5.34% $7,451
COMMUNITY MORTGAGE CORPORATION 4 4.56% $3,918
Community Mortgage Banc Corporation 4 5.56% $2,489
Colten Mortgage, LLC 4 4.81% $4,870
NATIONS DIRECT MORTGAGE, LLC 4 5.03% $5,816
Baxter Credit Union 4 5.13% $3,079
ACADEMY MORTGAGE CORPORATION 4 4.88% $4,154
NEXERA HOLDING LLC 4 8.69% $8,346
RESIDENTIAL BANCORP 4 3.65% $6,218
Platinum Home Mortgage Corporation 3 6.16% $6,385
Lakeview Community Capital, LLC 3 4.04% $3,162
TOGETHER CREDIT UNION 3 4.68% $3,069
ADVANCIAL 3 5.54% $4,855
Horizon Bank 3 5.25% $3,068
HOMESTAR FINANCIAL CORPORATION 3 6.17% $3,823
DUPACO COMMUNITY 3 5.83% $2,832
RBC Bank, (Georgia) 3 4.96% $2,200
First State Bank 3 5.67% $2,267
Beeline Loans, Inc. 3 3.50% $1,796
First Merchants Bank 3 5.29% $3,733
NP, Inc. 3 5.25% $10,551
United Community Bank 3 5.13% $4,287
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 5.38% $4,779
NexBank 3 3.71% $5,819
Willamette Valley Bank 3 5.08% $7,489
PLUS RELOCATION MORTGAGE, LLC 3 6.06% $6,284
MORTGAGE SOLUTIONS OF COLORADO, LLC 3 5.17% $4,624
MORTGAGE 1 INCORPORATED 3 5.63% $4,156
MICHIGAN FIRST CREDIT UNION 3 3.75% $2,717
Flanagan State Bank 3 5.50% $5,454
DEEPHAVEN MORTGAGE LLC 3 7.88% $7,381
DELMAR FINANCIAL COMPANY 3 5.08% $4,979
Amerifirst Financial, Inc. 2 6.00% $7,250
First National Bank of Omaha 2 6.13% $4,672
First Federal Bank 2 5.25% $3,504
First Federal Bank 2 4.94% $3,871
First Western Trust Bank 2 4.38% $5,418
First Farmers Bank and Trust Company 2 5.63% $2,913
Florida Capital Bank 2 3.88% $7,400
Great Southern Bank 2 2.80% $3,968
GSF Mortgage Corporation 2 4.69% $9,736
HALLMARK HOME MORTGAGE, LLC 2 4.13% $4,231
East Coast Capital Corp. 2 5.50% $4,758
INDIANA MEMBERS CREDIT UNION 2 4.44% $4,244
JUSTICE Federal Credit Union 2 4.69% $3,624
Leaders Credit Union 2 4.75% $2,956
Legends Bank 2 4.91% $3,235
CORNERSTONE HOME LENDING, INC. 2 5.00% $3,380
Meridian Bank Corporation 2 5.06% $3,761
Midwest Heritage Bank FSB 2 3.69% $3,850
MLD MORTGAGE INC. 2 5.75% $5,832
NETWORK CAPITAL FUNDING CORPORATION 2 5.38% $4,218
NEW DAY FINANCIAL, LLC 2 4.31% $3,876
Northwest Bank 2 4.88% $6,512
Notre Dame Federal Credit Union Corporation 2 4.81% $3,915
CIBC Bank USA 2 3.56% $3,856
Christian Community Credit Union 2 4.00% $4,749
Cf Bank 2 2.94% $2,766
Peoples National Bank , N.A. 2 5.00% $6,120
BNY Mellon 2 2.81% $4,462
BLUELEAF LENDING, LLC 2 3.63% $3,249
SECURITYNATIONAL MORTGAGE COMPANY 2 5.50% $3,863
SFMC, LP 2 5.00% $5,124
Sharefax Credit Union 2 3.31% $1,835
Southern Bank 2 5.00% $2,472
SouthPoint Bank 2 3.94% $7,873
STEARNS LENDING, LLC 2 3.44% $8,984
Bank of Tennessee 2 5.88% $3,278
Sunflower Bank 2 6.31% $3,961
Texana Bank 2 5.06% $7,609
The Farmers Bank 2 4.31% $2,322
Associated Bank 2 4.13% $7,070
ASSEMBLIES OF GOD Credit Union 2 5.69% $2,874
First Home Bank 2 5.69% $4,046
Trustmark National Bank 2 5.00% $4,032
UNITED 2 5.63% $4,022
UNITED HOME LOANS, INC. 2 5.12% $4,521
Valley First Credit Union 2 4.13% $3,509
Academy Bank 2 4.19% $2,782
NOVA FINANCIAL & INVESTMENT CORPORATION 1 3.63% $816
Bell Bank 1 6.50% $3,349
BELCO COMMUNITY CREDIT UNION 1 5.50% $5,623
Northwest Bank 1 4.63% $2,543
RESIDENTIAL HOME FUNDING CORP. 1 5.13% $7,626
RESOURCE FINANCIAL SERVICES, INC. 1 4.00% $3,054
NORTH COUNTRY 1 5.75% $2,147
Neighborhood Loans, Inc. 1 6.63% $10,383
1ST SIGNATURE LENDING, LLC 1 3.38% $5,750
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.75% $3,767
City National Bank of Florida 1 5.00% $12,957
BECKAM FUNDING CORP. 1 5.25% $3,248
NBH Bank 1 5.50% $4,354
SeaTrust Mortgage Company 1 7.63% $2,407
FBT Mortgage, L.L.C. 1 3.25% $4,150
Clear Mountain Bank 1 3.75% $3,409
Colonial Savings, F.A. 1 5.50% $9,288
Victorian Finance, LLC 1 5.88% $4,404
FineMark National Bank & Trust 1 6.13% $4,255
Colony Bank 1 5.88% $9,530
NATIONAL COOPERATIVE BANK, N.A. 1 3.75% $2,310
Signature Federal Credit Union 1 5.75% $9,157
Mutual Federal Bank 1 5.38% $3,305
Commerce Bank 1 4.88% $3,006
SmartBank 1 3.50% $3,592
COMMUNITY FIRST CREDIT UNION OF FLO 1 5.13% $6,451
Community First National Bank 1 3.75% $4,001
Southeast Financial Credit Union 1 6.13% $2,727
AFFINITY 1 5.38% $3,258
Watermark Capital, Inc. 1 5.00% $5,209
SOUTHPOINT FINANCIAL SERVICES, INC. 1 3.13% $13,289
BankPlus 1 5.63% $4,761
Congressional Bank 1 4.63% $4,277
First Bank Richmond 1 3.88% $3,135
Advanz Federal Credit Union 1 7.00% $1,982
Core Bank 1 4.25% $4,837
Axos Bank 1 2.99% $1,630
MMS MORTGAGE SERVICES, LTD. 1 5.00% $3,837
AXIA FINANCIAL, LLC 1 5.75% $6,301
MJW Financial LLC 1 5.63% $4,675
SUMMIT FUNDING, INC. 1 6.99% $4,784
General Mortgage Capital Corporation 1 8.88% $5,941
MEMBER FIRST MORTGAGE, LLC 1 6.63% $3,665
Mechanics Bank 1 2.65% $2,806
MAYO EMPLOYEES FEDERAL CREDIT UNION 1 6.38% $3,573
Marquette Bank 1 4.50% $4,861
TENNESSEE VALLEY 1 5.81% $2,685
Westfield Bank, FSB 1 4.13% $4,431
The Bank of Missouri 1 6.75% $2,739
ATHAS CAPITAL GROUP, INC. 1 7.88% $5,191
Countybank 1 5.00% $2,793
Assurance Financial Group, L.L.C. 1 4.37% $10,299
The Commercial and Savings Bank of Millersburg Ohio 1 4.63% $3,412
The Dart Bank 1 7.63% $8,248
THE EQUITABLE MORTGAGE CORPORATION 1 3.25% $3,450
West Gate Bank 1 5.75% $2,570
LOANFLIGHT LENDING, LLC 1 5.49% $2,077
LIBERTY HOME MORTGAGE CORPORATION 1 7.13% $1,348
First-Citizens Bank & Trust Company 1 4.34% $4,744
The Merchants National Bank 1 5.75% $2,494
FOUNDERS FEDERAL CREDIT UNION 1 7.13% $3,689
THE MORTGAGE FIRM, INC. 1 5.75% $4,209
LENOX FINANCIAL MORTGAGE CORPORATION 1 4.38% $3,599
The North Side Bank & Trust Company 1 7.13% $1,366
LCNB National Bank 1 3.50% $3,447
LAND HOME FINANCIAL SERVICES, INC. 1 6.13% $11,432
ARC HOME LLC 1 7.00% $22,071
JMAC LENDING, INC. 1 5.38% $3,106
JAMES B. NUTTER & COMPANY 1 6.00% $4,629
ITHINK FINANCIAL Credit Union 1 4.00% $5,764
Dieterich Bank 1 5.50% $2,415
INTERCOASTAL MORTGAGE COMPANY 1 5.62% $3,810
IMPAC MORTGAGE CORP. 1 7.38% $5,758
IAA Credit Union 1 5.25% $2,340
Towne Bank 1 5.50% $4,370
TOWNE MORTGAGE COMPANY 1 3.50% $5,757
HSBC BANK USA, NATIONAL ASSOCIATION 1 4.25% $4,029
AmRes Corporation 1 6.13% $17,715
HONDA Federal Credit Union 1 6.88% $5,937
Wilson Bank And Trust 1 5.69% $5,261
First Community Bank 1 5.63% $3,045
Hometown Equity Mortgage, LLC 1 3.75% $3,519
Heartland Bank and Trust Company 1 4.63% $2,383
UMB Bank 1 5.63% $3,925
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 5.63% $3,035
American Mortgage & Equity Consultants, Inc. 1 6.38% $6,072
Elements Financial Federal Credit Union 1 5.75% $3,579
WINGS FINANCIAL 1 4.63% $2,918
United Bank 1 5.13% $3,024
United Community Bank 1 5.25% $2,232
GREAT RIVER FEDERAL CREDIT UNION 1 4.49% $7,767
First United Bank and Trust Company 1 6.50% $4,276
AMERICAN HOME LENDING USA, LLC 1 6.25% $15,237
GREAT LAKES 1 4.50% $3,780
UNIVERSITY OF KENTUCKY 1 3.50% $0
AMERICAN ADVISORS GROUP 1 4.75% $3,925
Goldman Sachs Bank USA 1 5.25% $7,581
US MORTGAGE CORPORATION 1 5.00% $4,651
Uwharrie Bank 1 3.50% $4,082
CASTLE & COOKE MORTGAGE, LLC 1 5.25% $3,149
Carrollton Bank 1 5.50% $4,651
CB&S Bank, Inc. 1 6.63% $3,495
Capitol Federal Savings Bank 1 4.63% $5,457
Presidential Bank, FSB 1 6.50% $5,253
Capital Bank 1 6.50% $4,916
Pinnacle Bank 1 3.25% $2,609
Princeton Mortgage Corporation 1 5.88% $3,239
Progress Bank and Trust 1 5.00% $2,910
BOKF 1 5.00% $6,259
First State Community Bank 1 4.80% $2,744
Patriot Bank 1 5.38% $4,115
PURDUE FEDERAL CREDIT UNION 1 3.63% $3,056
CIS Financial Services, Inc. 1 6.38% $6,039
Origin Bank 1 6.50% $4,933
CITADEL FEDERAL CREDIT UNION 1 5.00% $3,584
Allied First Bank,sb 1 5.50% $3,447
Old Second National Bank 1 3.75% $3,066
Bethpage Federal Credit Union 1 6.63% $3,930
NUMARK CREDIT UNION 1 4.13% $3,013

Kentucky Average Closing Costs & Other Stats

Kentucky's 491 lenders originated 112,564 loans during 2022. The total origination value was $24,351,290,000, with an average loan value of $216,333.

Kentucky's average closing costs are $3,998.

The top Kentucky lender as defined by loan originations is QUICKEN LOANS, LLC, with 2,179 loans originated. Their average total fees are $5,724, which is $878 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Kentucky lenders (with over 10 loans originated) are Discover Bank ($0), CINFED Federal Credit Union ($833), Guardian Savings Bank, A Federal Savings Bank ($1,157), TRANSCEND ($1,312) and City National Bank of West Virginia ($1,345).

The lowest rate Kentucky lenders (with over 10 loans originated) are Citibank (3.52%), Raymond James Bank (3.76%), Commonwealth Bank and Trust Company (3.76%), CREDIT UNION MORTGAGE ASSOCIATION, INC. (3.86%) and Stifel Bank and Trust (3.88%).

Kentucky Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
QUICKEN LOANS, LLC $2,169,420,000 $996,870,000 -54.0% 4.1%
BERKELEY POINT CAPITAL LLC $73,030,000 $896,610,000 1,127.7% 3.7%
UNITED WHOLESALE MORTGAGE, LLC $1,038,885,000 $848,450,000 -18.3% 3.5%
Fifth Third Bank $866,650,000 $594,820,000 -31.4% 2.4%
EVANSVILLE TEACHERS $644,815,000 $527,230,000 -18.2% 2.2%
Republic Bank & Trust Company $667,735,000 $513,200,000 -23.1% 2.1%
U.S. Bank $865,420,000 $505,205,000 -41.6% 2.1%
PNC Bank $613,800,000 $475,700,000 -22.5% 2.0%
STOCKTON MORTGAGE CORPORATION $750,085,000 $468,955,000 -37.5% 1.9%
Stock Yards Bank & Trust Company $354,205,000 $437,915,000 23.6% 1.8%
Mortgage Research Center, LLC $443,425,000 $388,325,000 -12.4% 1.6%
Guardian Savings Bank, A Federal Savings Bank $806,875,000 $332,720,000 -58.8% 1.4%
Community Trust Bank, Inc. $549,665,000 $318,920,000 -42.0% 1.3%
Northpointe Bank $122,810,000 $300,455,000 144.7% 1.2%
Central Bank & Trust Company $597,860,000 $294,780,000 -50.7% 1.2%
UNIVERSITY OF KENTUCKY $278,410,000 $287,980,000 3.4% 1.2%
JPMorgan Chase Bank $767,660,000 $286,830,000 -62.6% 1.2%
Capital One $94,940,000 $282,795,000 197.9% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $403,720,000 $271,730,000 -32.7% 1.1%
Truist $295,935,000 $267,215,000 -9.7% 1.1%
The Huntington National Bank $404,590,000 $262,115,000 -35.2% 1.1%
AMERICAN MORTGAGE SERVICE COMPANY $533,330,000 $260,030,000 -51.2% 1.1%
SOUTH CENTRAL BANK, INC. $410,315,000 $260,000,000 -36.6% 1.1%
Independence Bank of Kentucky $320,470,000 $256,435,000 -20.0% 1.1%
WesBanco Bank, Inc. $283,880,000 $230,940,000 -18.6% 0.9%
HOME POINT FINANCIAL CORPORATION $743,215,000 $220,840,000 -70.3% 0.9%
FREEDOM MORTGAGE CORPORATION $845,215,000 $217,470,000 -74.3% 0.9%
VICTORY MORTGAGE, L.L.C. $280,565,000 $214,630,000 -23.5% 0.9%
Traditional Bank, Inc. $138,810,000 $214,605,000 54.6% 0.9%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $373,355,000 $210,505,000 -43.6% 0.9%
RUOFF MORTGAGE COMPANY, INC. $298,420,000 $205,990,000 -31.0% 0.8%
Citizens Bank $695,000 $203,820,000 29,226.6% 0.8%
German American Bank $186,075,000 $202,175,000 8.7% 0.8%
L & N Federal Credit Union $297,250,000 $186,115,000 -37.4% 0.8%
First Financial Bank $235,000 $181,945,000 77,323.4% 0.7%
American Bank & Trust Company, Inc. $68,455,000 $181,885,000 165.7% 0.7%
COMMONWEALTH $239,715,000 $178,815,000 -25.4% 0.7%
Prosperity Home Mortgage, LLC $242,915,000 $177,385,000 -27.0% 0.7%
PARK COMMUNITY CREDIT UNION, INC. $139,040,000 $176,495,000 26.9% 0.7%
LOANDEPOT.COM, LLC $307,220,000 $170,560,000 -44.5% 0.7%
GUARANTEED RATE, INC. $221,315,000 $167,745,000 -24.2% 0.7%
Wells Fargo Bank $415,550,000 $166,735,000 -59.9% 0.7%
Old National Bank $221,515,000 $162,645,000 -26.6% 0.7%
WALKER & DUNLOP, LLC $60,725,000 $162,260,000 167.2% 0.7%
AMERISAVE MORTGAGE CORPORATION $360,345,000 $160,410,000 -55.5% 0.7%
Farm Credit Mid-America, ACA $198,960,000 $157,520,000 -20.8% 0.6%
Abound Federal Credit Union $194,535,000 $149,870,000 -23.0% 0.6%
CALIBER HOME LOANS, INC. $321,365,000 $144,655,000 -55.0% 0.6%
Forcht Bank $138,945,000 $142,190,000 2.3% 0.6%
The Cecilian Bank $80,335,000 $137,030,000 70.6% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $257,180,000 $134,310,000 -47.8% 0.6%
Magnolia Bank $263,900,000 $132,740,000 -49.7% 0.5%
EVERETT FINANCIAL, INC. $42,380,000 $132,075,000 211.6% 0.5%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $55,275,000 $126,585,000 129.0% 0.5%
PENNYMAC LOAN SERVICES, LLC $290,800,000 $125,590,000 -56.8% 0.5%
CBRE MULTIFAMILY CAPITAL, INC. $37,160,000 $125,170,000 236.8% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $190,465,000 $122,910,000 -35.5% 0.5%
NAVY FEDERAL CREDIT UNION $141,635,000 $122,895,000 -13.2% 0.5%
Whitaker Bank $67,665,000 $121,085,000 78.9% 0.5%
GENEVA FINANCIAL, LLC $51,925,000 $120,975,000 133.0% 0.5%
The Monticello Banking Company $83,540,000 $120,550,000 44.3% 0.5%
First Southern National Bank $83,910,000 $117,335,000 39.8% 0.5%
Bank of England $175,025,000 $115,130,000 -34.2% 0.5%
PROVIDENT FUNDING ASSOCIATES, L.P. $161,850,000 $113,375,000 -30.0% 0.5%
Peoples Exchange Bank $131,940,000 $113,275,000 -14.1% 0.5%
INTERLINC MORTGAGE SERVICES, LLC $155,370,000 $105,410,000 -32.2% 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $95,410,000 $103,080,000 8.0% 0.4%
Union Savings Bank $149,860,000 $97,660,000 -34.8% 0.4%
Edmonton State Bank $146,360,000 $96,735,000 -33.9% 0.4%
Republic State Mortgage Co. $250,595,000 $94,020,000 -62.5% 0.4%
USAA Federal Savings Bank $101,670,000 $90,115,000 -11.4% 0.4%
Century Mortgage Company DBA Century Lending Company $35,475,000 $88,695,000 150.0% 0.4%
UNION HOME MORTGAGE CORP. $165,090,000 $85,400,000 -48.3% 0.4%
Wilson & Muir Bank & Trust Company $119,945,000 $84,240,000 -29.8% 0.3%
Hometown Lenders, Inc. $152,780,000 $77,225,000 -49.5% 0.3%
BERKADIA COMMERCIAL MORTGAGE LLC $92,220,000 $76,425,000 -17.1% 0.3%
City National Bank of West Virginia $82,620,000 $75,530,000 -8.6% 0.3%
Bank of America $106,465,000 $74,735,000 -29.8% 0.3%
West Point Bank $45,435,000 $74,365,000 63.7% 0.3%
Planters Bank, Inc. $31,855,000 $73,870,000 131.9% 0.3%
JONES LANG LASALLE MULTIFAMILY, LLC $140,145,000 $73,465,000 -47.6% 0.3%
The Citizens National Bank of Somerset $99,795,000 $72,435,000 -27.4% 0.3%
Farmers Bank and Trust Company $46,085,000 $71,575,000 55.3% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $122,395,000 $71,420,000 -41.6% 0.3%
FIRST EQUITY MORTGAGE INCORPORATED $77,600,000 $69,325,000 -10.7% 0.3%
Heartland Bank $70,340,000 $68,970,000 -1.9% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $143,180,000 $67,600,000 -52.8% 0.3%
FBC MORTGAGE, LLC $80,210,000 $66,865,000 -16.6% 0.3%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $68,565,000 $66,375,000 -3.2% 0.3%
BROKER SOLUTIONS, INC. $128,420,000 $65,615,000 -48.9% 0.3%
MOVEMENT MORTGAGE, LLC $121,120,000 $65,355,000 -46.0% 0.3%
Carrington Mortgage Services, LLC $99,395,000 $65,030,000 -34.6% 0.3%
THRIVE MORTGAGE, LLC $100,765,000 $64,625,000 -35.9% 0.3%
THE MORTGAGE WAREHOUSE,LLC $170,920,000 $63,455,000 -62.9% 0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $105,190,000 $63,415,000 -39.7% 0.3%
Associated Bank $705,000 $63,100,000 8,850.4% 0.3%
HOMESIDE FINANCIAL, LLC $47,165,000 $62,480,000 32.5% 0.3%
CMG MORTGAGE, INC. $71,660,000 $61,045,000 -14.8% 0.3%
Peoples Bank $2,220,000 $59,515,000 2,580.9% 0.2%
Limestone Bank, Inc. $38,600,000 $59,135,000 53.2% 0.2%
Regions Bank $74,360,000 $58,490,000 -21.3% 0.2%
Metropolitan Life Insurance Co $57,005,000 n/a 0.2%
Third Federal Savings and Loan Association of Cleveland $62,345,000 $56,655,000 -9.1% 0.2%
Paramount Residential Mortgage Group, Inc. $73,360,000 $56,650,000 -22.8% 0.2%
The Paducah Bank and Trust Company $68,865,000 $56,160,000 -18.4% 0.2%
GREYSTONE SERVICING COMPANY LLC $44,675,000 $55,905,000 25.1% 0.2%
GENERAL ELECTRIC CREDIT UNION $37,525,000 $54,195,000 44.4% 0.2%
21ST MORTGAGE CORPORATION $61,435,000 $53,240,000 -13.3% 0.2%
ENVOY MORTGAGE, LTD $108,975,000 $52,210,000 -52.1% 0.2%
First Option Mortgage, LLC $95,530,000 $51,600,000 -46.0% 0.2%
First Savings Bank $88,890,000 $51,135,000 -42.5% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $65,405,000 $50,785,000 -22.4% 0.2%
NEW DAY FINANCIAL, LLC $86,935,000 $50,210,000 -42.2% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $77,575,000 $49,450,000 -36.3% 0.2%
AMERIFIRST FINANCIAL CORPORATION $76,655,000 $48,670,000 -36.5% 0.2%
NATIONS RELIABLE LENDING, LLC $70,880,000 $47,985,000 -32.3% 0.2%
NEWREZ LLC $122,445,000 $47,845,000 -60.9% 0.2%
Flagstar Bank, FSB $76,880,000 $47,490,000 -38.2% 0.2%
The Lincoln National Bank of Hodgenville $51,415,000 $46,895,000 -8.8% 0.2%
PULTE MORTGAGE LLC $52,345,000 $46,125,000 -11.9% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $75,520,000 $45,300,000 -40.0% 0.2%
River City Bank, Inc. $43,220,000 $44,950,000 4.0% 0.2%
BAY EQUITY LLC $206,030,000 $44,425,000 -78.4% 0.2%
Heritage Bank, Inc. $16,610,000 $43,930,000 164.5% 0.2%
Citizens Commerce Bank $36,615,000 $43,325,000 18.3% 0.2%
LAKEVIEW LOAN SERVICING, LLC $122,925,000 $42,545,000 -65.4% 0.2%
Cumberland Valley National Bank & Trust Company $111,190,000 $42,090,000 -62.1% 0.2%
Meade County Bank $33,605,000 $41,780,000 24.3% 0.2%
FNB Bank, Inc. $34,880,000 $41,635,000 19.4% 0.2%
READYCAP COMMERCIAL, LLC $35,625,000 $41,095,000 15.4% 0.2%
GUARANTY HOME MORTGAGE CORPORATION $84,835,000 $41,035,000 -51.6% 0.2%
Arbor Realty Trust, Inc. $92,940,000 $40,980,000 -55.9% 0.2%
FirstBank $75,230,000 $40,935,000 -45.6% 0.2%
Morgan Stanley Private Bank $21,570,000 $40,275,000 86.7% 0.2%
Franklin Bank & Trust Company $42,510,000 $40,055,000 -5.8% 0.2%
The Farmers Bank $10,040,000 $38,275,000 281.2% 0.2%
First Harrison Bank $47,385,000 $37,080,000 -21.7% 0.2%
BETTER MORTGAGE CORPORATION $195,010,000 $36,430,000 -81.3% 0.1%
First State Bank of the Southeast, Inc. $25,340,000 $35,450,000 39.9% 0.1%
ORIX REAL ESTATE CAPITAL, LLC $142,370,000 $33,855,000 -76.2% 0.1%
POLARIS HOME FUNDING CORP. $65,445,000 $33,655,000 -48.6% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $39,655,000 $33,080,000 -16.6% 0.1%
The Federal Savings Bank $38,610,000 $32,760,000 -15.2% 0.1%
Morgantown Bank & Trust Company, Incorporated $24,885,000 $30,250,000 21.6% 0.1%
First Grayson Bancorp Inc. $35,725,000 $30,035,000 -15.9% 0.1%
DAS Acquisition Company, LLC $51,840,000 $29,955,000 -42.2% 0.1%
Equity Prime Mortgage LLC $5,055,000 $29,635,000 486.3% 0.1%
United Southern Bank $16,585,000 $27,835,000 67.8% 0.1%
Ally Bank $37,070,000 $27,370,000 -26.2% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $13,565,000 $27,135,000 100.0% 0.1%
MEMBERS CHOICE $23,515,000 $26,430,000 12.4% 0.1%
Plains Commerce Bank $2,480,000 $26,400,000 964.5% 0.1%
First Financial Bank $235,000 $26,310,000 11,095.7% 0.1%
CHURCHILL MORTGAGE CORPORATION $45,650,000 $26,055,000 -42.9% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $65,605,000 $25,835,000 -60.6% 0.1%