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 7.02% for the week of 2024-06-20, compared to the national average of 6.87% for the same period.

The average rate for the prior week (2024-06-13) was 7.1% and one month ago for the week of 2024-05-16, the average rate was 6.97%.

Kentucky's average rate one year ago was 6.54%.

For refis of the same type during the week of 2024-06-20, the average rate was 7.28%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-20 6.87%
Kentucky 30 Year Fixed Rate 2024-06-20 7.02%
Kentucky 30 Year Fixed Rate Refi 2024-06-20 7.28%
Kentucky 15 Year Fixed Rate 2024-06-20 6.57%
Kentucky 15 Year Fixed Rate Refi 2024-06-20 7.46%
Kentucky 30 Year FHA 2024-06-20 -0.09%
Kentucky 30 Year FHA Refi 2024-06-20 -0.12%
Kentucky 30 Year USDA 2024-06-20 -0.03%
Kentucky 30 Year USDA Refi 2024-06-20 0.1%
Kentucky 30 Year VA 2024-06-20 0.01%
Kentucky 30 Year VA Refi 2024-06-20 -0.84%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 1,654 6.90% $5,624
QUICKEN LOANS, LLC 1,344 6.88% $5,912
STOCKTON MORTGAGE CORPORATION 822 6.87% $5,235
U.S. Bank 716 6.93% $3,726
Stock Yards Bank & Trust Company 664 6.35% $3,212
Republic Bank & Trust Company 646 6.24% $3,589
JPMorgan Chase Bank 578 6.72% $4,043
Northpointe Bank 577 6.86% $6,344
EVANSVILLE TEACHERS 563 6.72% $3,734
Guardian Savings Bank, A Federal Savings Bank 537 6.44% $1,699
Fifth Third Bank 461 6.80% $3,963
THRIVE MORTGAGE, LLC 453 6.61% $5,195
Community Trust Bank, Inc. 437 6.28% $2,207
VICTORY MORTGAGE, L.L.C. 433 6.08% $2,864
RUOFF MORTGAGE COMPANY, INC. 426 6.80% $3,721
First Financial Bank 367 6.54% $4,981
L & N Federal Credit Union 361 6.83% $2,302
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 338 6.95% $4,976
ARK-LA-TEX FINANCIAL SERVICES, LLC. 314 6.99% $4,580
PNC Bank 300 6.76% $4,134
The Huntington National Bank 296 6.72% $3,974
CROSSCOUNTRY MORTGAGE, LLC 286 7.00% $5,457
Prosperity Home Mortgage, LLC 277 6.95% $5,038
PARK COMMUNITY CREDIT UNION, INC. 263 6.48% $2,890
Farm Credit Mid-America, ACA 262 7.09% $6,467
Central Bank 261 6.49% $2,712
Independence Bank of Kentucky 260 6.47% $2,593
PROVIDENT FUNDING ASSOCIATES, L.P. 257 6.45% $4,808
SOUTH CENTRAL BANK, INC. 246 6.69% $3,321
Truist 245 6.60% $3,863
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 242 6.90% $5,905
Traditional Bank, Inc. 236 6.51% $3,255
Magnolia Bank 234 6.94% $4,042
Citizens Bank 231 6.80% $4,683
Abound Federal Credit Union 226 5.98% $2,653
HOMESIDE FINANCIAL, LLC 211 6.76% $5,668
GENEVA FINANCIAL, LLC 205 6.63% $5,277
GUARANTEED RATE, INC. 203 6.70% $4,870
Bank of England 202 6.93% $5,461
City National Bank of West Virginia 197 6.16% $1,396
Whitaker Bank 196 5.93% $2,565
The Cecilian Bank 191 6.50% $2,574
UNION HOME MORTGAGE CORP. 190 7.05% $4,883
Edmonton State Bank 185 7.18% $3,208
COMMONWEALTH 170 6.36% $2,631
INTERLINC MORTGAGE SERVICES, LLC 162 6.98% $4,413
FIRST EQUITY MORTGAGE INCORPORATED 148 6.31% $5,433
VANDERBILT MORTGAGE AND FINANCE, INC. 137 7.86% $6,380
Wells Fargo Bank 134 6.63% $5,037
Plains Commerce Bank 134 6.81% $5,468
Wilson & Muir Bank & Trust Company 129 6.97% $2,534
WesBanco 126 6.38% $4,873
PENNYMAC LOAN SERVICES, LLC 119 6.68% $6,815
Union Savings Bank 117 6.35% $2,600
Century Mortgage Company DBA Century Lending Company 110 7.07% $6,916
German American Bank 108 6.68% $3,390
NAVY FEDERAL CREDIT UNION 107 6.76% $3,675
EVERETT FINANCIAL, INC. 104 7.06% $5,849
PULTE MORTGAGE LLC 104 5.92% $1,831
AMERISAVE MORTGAGE CORPORATION 100 6.40% $7,152
First Savings Bank 100 6.70% $5,395
Mr. Cooper ( Nationstar Mortgage ) 100 7.08% $6,801
Old National Bank 98 6.67% $3,636
BROKER SOLUTIONS, INC. 98 7.23% $6,422
Republic State Mortgage Co. 94 6.69% $5,476
GENERAL ELECTRIC CREDIT UNION 94 5.88% $3,321
Peoples Exchange Bank 92 6.62% $3,009
Forcht Bank 91 6.42% $2,762
Peoples Bank 87 6.66% $2,424
Regions Bank 87 6.66% $3,876
CMG MORTGAGE, INC. 85 6.96% $6,060
Flagstar Bank, FSB 85 6.99% $4,575
FIRST COMMUNITY MORTGAGE, INC. 78 7.09% $5,664
The Citizens National Bank of Somerset 75 7.42% $2,056
First National Bank of America 73 10.24% $9,186
Heartland Bank 73 6.66% $3,761
Mortgage Research Center, LLC 73 6.62% $3,736
AMERICAN PACIFIC MORTGAGE CORPORATION 72 7.07% $5,674
FirstBank 70 7.49% $5,001
FREEDOM MORTGAGE CORPORATION 67 6.97% $8,104
LOANDEPOT.COM, LLC 67 6.80% $5,234
Third Federal Savings and Loan Association of Cleveland 67 6.32% $1,637
THE MORTGAGE WAREHOUSE,LLC 66 6.77% $3,806
GERSHMAN INVESTMENT CORP. 63 6.98% $3,486
Bank of America 62 6.31% $4,688
MOVEMENT MORTGAGE, LLC 58 6.91% $5,146
MUTUAL OF OMAHA MORTGAGE, INC. 57 6.96% $6,081
CHURCHILL MORTGAGE CORPORATION 55 6.98% $4,691
USAA Federal Savings Bank 55 6.73% $4,974
BAYSHORE MORTGAGE FUNDING, LLC 53 6.79% $6,397
ROYAL UNITED MORTGAGE LLC 52 7.28% $7,157
SUCCESS MORTGAGE PARTNERS, INC. 51 6.89% $6,148
GUARANTEED RATE AFFINITY, LLC 51 6.81% $4,929
First Harrison Bank 51 6.78% $3,787
21ST MORTGAGE CORPORATION 50 7.82% $6,058
NEWREZ LLC 50 7.04% $5,126
ENVOY MORTGAGE, LTD 48 7.21% $5,278
DAS Acquisition Company, LLC 47 7.02% $5,056
Morgan Stanley Private Bank 45 5.94% $3,457
First Federal Savings Bank 44 5.94% $3,362
Morgantown Bank & Trust Company, Incorporated 44 7.19% $2,247
PRIMELENDING, A PLAINSCAPITAL COMPANY 42 6.72% $7,097
Renasant Bank 40 6.95% $4,219
FirstTrust Home Loans, Inc. 39 6.95% $4,109
BETTER MORTGAGE CORPORATION 36 6.40% $5,794
Cincinnati Federal 35 6.34% $3,147
Commercial Bank 34 6.73% $1,531
BAY EQUITY LLC 34 6.78% $4,093
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 34 7.15% $6,245
TRANSCEND 34 5.94% $409
PRIMARY RESIDENTIAL MORTGAGE, INC. 34 6.70% $4,680
SERVICE ONE 31 6.64% $2,413
Paramount Residential Mortgage Group, Inc. 30 7.27% $7,431
MORTGAGE INVESTORS GROUP, INC. 29 6.16% $4,511
SIBCY CLINE MORTGAGE SERVICES, INC. 28 6.61% $3,379
Warsaw Federal Savings and Loan Association 28 6.69% $3,940
CARDINAL FINANCIAL 28 6.49% $6,031
ZILLOW HOME LOANS, LLC 28 7.08% $5,085
T2 FINANCIAL LLC 26 7.05% $4,753
NBKC BANK 25 6.76% $3,778
DESCO 25 6.79% $2,260
POLARIS HOME FUNDING CORP. 24 6.84% $5,805
CINFED Federal Credit Union 24 6.66% $2,277
River Valley AgCredit, ACA 24 7.57% $6,308
Ally Bank 24 6.41% $5,715
The Loan Store, Inc. 23 6.87% $5,469
NATIONS RELIABLE LENDING, LLC 23 6.77% $6,097
FAIR WAY LENDING LLC 23 7.05% $4,702
KEMBA CREDIT UNION, INC. 23 6.55% $4,615
Discover Bank 23 7.28% $0
DHI MORTGAGE COMPANY, LTD. 22 5.94% $2,724
RAPID MORTGAGE COMPANY 22 6.99% $6,160
EMM LOANS LLC 22 7.28% $4,822
Carrington Mortgage Services, LLC 21 6.68% $6,487
PLAZA HOME MORTGAGE, INC. 21 7.15% $5,468
1st National Bank 20 6.69% $4,858
FBC MORTGAGE, LLC 20 6.60% $6,077
ENDEAVOR CAPITAL, LLC. 20 6.60% $5,560
CapStar Bank 19 6.70% $3,660
Waterstone Mortgage Corporation 18 7.09% $5,865
First Financial Bank 18 7.18% $3,577
Eagle Savings Bank 18 6.75% $2,849
Ixonia Bank 17 6.91% $7,218
GUARANTY HOME MORTGAGE CORPORATION 17 6.49% $4,609
AmeriHome Mortgage Company, LLC 16 6.97% $4,643
DRAPER AND KRAMER MORTGAGE CORP. 16 6.69% $3,975
MEMBER FIRST MORTGAGE, LLC 15 6.72% $3,962
AMERICAN FINANCIAL NETWORK, INC. 15 7.29% $6,563
Raymond James Bank 15 5.43% $3,544
RELIANCE FIRST CAPITAL, LLC 15 6.78% $6,066
PENTAGON FEDERAL CREDIT UNION 15 6.42% $5,741
GoPrime Mortgage, Inc. 15 6.94% $5,407
RiverHills Bank 14 6.46% $3,222
SWBC MORTGAGE CORPORATION 14 6.71% $6,036
MEMBERS HERITAGE Credit Union 14 6.50% $5,460
CREDIT UNION MORTGAGE ASSOCIATION, INC. 14 6.15% $3,353
The Park National Bank 13 6.83% $3,882
AMCAP MORTGAGE, LTD. 13 6.64% $4,508
Sierra Pacific Mortgage Company, Inc. 13 7.04% $5,318
AgFirst Farm Credit Bank 13 7.13% $3,394
FLAT BRANCH MORTGAGE, INC. 13 7.29% $3,529
MORTGAGE ACCESS CORP. 13 7.14% $5,295
Heritage Federal Credit Union 13 7.05% $3,075
Fortera Federal Credit Union 13 7.06% $3,783
SUN WEST MORTGAGE COMPANY, INC. 12 6.96% $4,368
The Peoples Bank 12 7.06% $1,912
First Horizon Bank 12 6.51% $4,470
ROSS MORTGAGE CORPORATION 12 7.10% $4,571
LEADERONE FINANCIAL CORPORATION 12 6.96% $4,527
INSPIRE HOME LOANS INC. 12 6.76% $4,240
Bank of Buffalo 11 8.48% $2,432
Civista Bank 11 6.10% $3,203
F&M Bank 11 6.65% $4,925
Centra Credit Union 11 6.11% $2,902
ASHLAND Credit Union 10 7.08% $5,013
Central Kentucky Agricultural Credit Association 10 7.81% $3,878
NFM, INC. 10 7.20% $6,728
BMO Harris Bank 10 6.26% $5,385
PREMIA MORTGAGE, LLC 10 6.55% $1,010
CALIBER HOME LOANS, INC. 10 6.74% $4,720
Pinnacle Bank 10 6.50% $4,126
M&T Bank 10 6.71% $5,894
MORTGAGE MASTERS OF INDIANA, INC. 10 6.54% $3,193
UBS Bank USA 10 6.06% $4,639
GUIDANCE RESIDENTIAL, LLC 10 7.08% $6,808
COMPASS MORTGAGE, INC. 10 6.71% $4,660
First Southern National Bank 10 7.45% $2,315
WRIGHT-PATT CREDIT UNION, INC. 9 6.68% $2,976
The Federal Savings Bank 9 6.68% $8,433
Stifel Bank and Trust 9 5.74% $3,258
NATIONWIDE MORTGAGE BANKERS, INC. 9 6.68% $6,566
First Federal Savings and Loan Association of Lakewood 9 5.74% $3,838
CITY FIRST MORTGAGE SERVICES, L.L.C. 9 7.62% $7,484
S1L, Inc. 9 6.79% $6,066
PHH Mortgage Corporation 9 7.00% $7,589
OPTION FINANCIAL, LLC 8 6.84% $4,592
Evolve Bank & Trust 8 6.12% $4,387
EASTMAN 8 6.86% $4,627
LAKEVIEW LOAN SERVICING, LLC 8 6.55% $8,851
OCMBC, INC. 8 9.23% $10,046
PLANET HOME LENDING, LLC 8 6.48% $7,326
SIRVA MORTGAGE, INC. 8 6.66% $1,723
AMERICAN HERITAGE LENDING, INC. 8 8.73% $8,181
UIF CORPORATION 8 6.72% $4,357
Western Ohio Mortgage Corporation 8 7.17% $6,240
ARC HOME LLC 7 7.43% $3,920
DEEPHAVEN MORTGAGE LLC 7 9.19% $8,438
EMBRACE HOME LOANS, INC. 7 6.28% $6,644
MYCUMORTGAGE, LLC 7 6.70% $3,081
DIGITAL Federal Credit Union 7 5.29% $3,940
MID AMERICA MORTGAGE, INC. 7 7.29% $6,284
Equity Prime Mortgage LLC 7 7.48% $4,287
GUILD MORTGAGE COMPANY 7 6.91% $7,497
UNIFY FINANCIAL Credit Union 7 7.01% $2,500
AMERICAN FINANCING CORPORATION 7 6.96% $10,521
Toyota Financial Savings Bank 7 6.67% $4,302
TOP FLITE FINANCIAL, INC. 7 7.13% $8,477
CRESCENT MORTGAGE COMPANY 6 7.25% $3,050
Charles Schwab Bank, SSB 6 5.93% $3,755
Banterra Bank 6 6.92% $2,966
NexBank 6 7.02% $8,486
Nations Lending Corporation 6 6.67% $4,391
ON Q FINANCIAL, INC. 6 7.43% $5,483
GSF Mortgage Corporation 6 6.27% $3,778
LENDSURE MORTGAGE CORP. 5 8.57% $10,332
ALTRA 5 6.90% $6,903
The Central Trust Bank 5 6.32% $3,986
Merchants Bank of Indiana 5 6.65% $3,825
RBC Bank, (Georgia) 5 6.08% $1,693
Farmers Bank & Trust 5 6.40% $3,988
American Mortgage & Equity Consultants, Inc. 5 7.03% $8,837
Community Mortgage Banc Corporation 5 7.10% $4,433
Florida Capital Bank 5 6.82% $6,713
North American Savings Bank, F.S.B. 5 7.38% $7,784
Simmons Bank 5 6.45% $3,521
Servion, Inc. 5 6.63% $3,586
First Federal Bank 5 6.58% $5,197
Superior Credit Union, Inc. 5 6.83% $3,856
FIRST COLONY MORTGAGE CORPORATION 5 7.08% $4,344
COMMUNITY MORTGAGE CORPORATION 5 6.80% $6,105
First Federal Bank of the Midwest 4 6.72% $4,640
HOMEBRIDGE FINANCIAL SERVICES, INC. 4 8.00% $11,059
FIRST MORTGAGE COMPANY, INC. 4 6.56% $7,388
SeaTrust Mortgage Company 4 6.84% $4,663
SECURITYNATIONAL MORTGAGE COMPANY 4 7.09% $5,996
CITIZENS EQUITY FIRST 4 5.81% $2,741
Citibank 4 5.31% $5,050
LIBERTY HOME MORTGAGE CORPORATION 4 7.16% $6,496
ASCEND FEDERAL CREDIT UNION 4 6.19% $3,469
Summit Community Bank, Inc. 4 7.18% $3,248
NEXERA HOLDING LLC 4 8.91% $11,717
AmRes Corporation 4 8.12% $5,369
TOTAL MORTGAGE SERVICES, LLC 4 7.59% $5,375
TOWNE MORTGAGE COMPANY 4 6.63% $6,432
DELMAR FINANCIAL COMPANY 4 6.53% $5,011
KeyBank 4 6.69% $4,261
VAN DYK MORTGAGE CORPORATION 4 7.40% $2,341
Victorian Finance, LLC 4 6.72% $4,778
ACOPIA, LLC 4 7.38% $5,528
LCNB National Bank 4 5.88% $3,271
Colonial Savings, F.A. 4 6.63% $5,417
First State Bank 4 6.84% $2,535
Gateway First Bank 4 6.69% $5,153
Barrington Bank & Trust Company, N.A. 4 7.31% $5,890
Armed Forces Bank 3 6.54% $3,717
Sunflower Bank 3 6.62% $4,838
LENOX FINANCIAL MORTGAGE CORPORATION 3 6.12% $5,149
Pathways Financial Credit Union, Inc. 3 6.04% $3,304
A&D Mortgage LLC 3 8.67% $13,077
Citadel Servicing Corporation 3 9.25% $14,884
AMERICAN INTERNET MORTGAGE, INC. 3 5.75% $7,869
FCN Bank 3 6.75% $2,838
Arvest Bank 3 6.96% $5,808
WINGS FINANCIAL 3 6.04% $3,718
Elements Financial Federal Credit Union 3 6.46% $3,797
Mercantile Bank of Michigan 3 6.79% $3,703
DELTA COMMUNITY CREDIT UNION 3 6.21% $6,501
SUMMIT FUNDING, INC. 3 7.46% $7,045
BancorpSouth 3 5.44% $4,871
MORTGAGE SOLUTIONS OF COLORADO, LLC 3 6.88% $5,911
Bank of Tennessee 3 7.18% $7,276
BNC National Bank 3 6.79% $5,156
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 6.12% $6,189
United Bank 3 6.54% $3,112
NOVA FINANCIAL & INVESTMENT CORPORATION 3 6.96% $4,241
THE EQUITABLE MORTGAGE CORPORATION 3 6.71% $3,210
KELLER MORTGAGE, LLC 3 5.67% $4,672
First Merchants Bank 3 6.58% $3,309
Ameris Bank 3 6.33% $8,090
THE MORTGAGE FIRM, INC. 3 6.00% $7,059
EQUITY RESOURCES, INC. 3 6.13% $3,130
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.92% $8,247
Peoples National Bank , N.A. 3 6.46% $3,009
Deere Employees Credit Union 3 5.71% $3,383
First Commonwealth Bank 3 7.00% $4,288
TJC Mortgage, Inc. 3 6.79% $4,147
ACADEMY MORTGAGE CORPORATION 2 6.94% $5,555
Atlantic Union Bank 2 7.19% $4,611
LAND HOME FINANCIAL SERVICES, INC. 2 7.00% $3,661
The Farmers Bank 2 6.50% $2,993
The Ohio Valley Bank Company 2 5.94% $3,254
The Union Bank Company 2 6.94% $4,679
Northwest Federal Credit Union 2 7.06% $1,880
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 8.06% $12,806
TEACHERS 2 6.94% $4,252
Cornerstone First Mortgage, Inc 2 6.44% $6,120
Goldman Sachs Bank USA 2 5.33% $2,628
CORNERSTONE HOME LENDING, INC. 2 6.44% $8,072
ORNL Federal Credit Union 2 6.31% $3,505
AMERICAN FINANCIAL RESOURCES, INC. 2 6.88% $4,747
Cf Bank 2 6.13% $3,127
Beeline Loans, Inc. 2 7.00% $4,410
First Western Trust Bank 2 6.50% $3,984
SPIRE Credit Union 2 6.13% $6,189
BANKSOUTH MORTGAGE COMPANY, LLC 2 6.56% $4,881
United Fidelity Funding Corp. 2 7.43% $11,350
Meridian Bank Corporation 2 6.13% $3,820
ALLIED MORTGAGE GROUP, INC. 2 6.88% $11,203
ALLIANT CREDIT UNION 2 6.50% $3,679
US MORTGAGE CORPORATION 2 6.56% $4,289
MICHIGAN MUTUAL, INC. 2 7.19% $6,619
Valley National Bank 2 7.69% $7,315
Alcova Mortgage LLC 2 7.19% $7,544
NATIONS DIRECT MORTGAGE, LLC 2 7.69% $7,720
Leaders Credit Union 2 6.56% $3,707
First American Bank 2 7.19% $6,511
First National Bank of Pennsylvania 2 7.31% $5,892
V.I.P. MORTGAGE, INC. 2 7.62% $5,088
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 2 6.38% $4,845
SOUTHPOINT FINANCIAL SERVICES, INC. 2 5.69% $5,184
PLUS RELOCATION MORTGAGE, LLC 2 7.25% $4,818
Heritage Bank 2 6.00% $2,942
Lakeview Community Capital, LLC 2 6.88% $5,855
Grand Bank for Savings, FSB 2 10.06% $4,086
HALLMARK HOME MORTGAGE, LLC 1 7.50% $8,621
Great Southern Bank 1 8.00% $3,120
CPM Federal Credit Union 1 7.50% $3,779
HOMESTAR FINANCIAL CORPORATION 1 7.00% $3,059
HOMESTEAD FUNDING CORP. 1 6.38% $4,804
HONDA Federal Credit Union 1 7.50% $3,171
IAA Credit Union 1 6.63% $2,124
INB 1 7.88% $2,466
INDIANA MEMBERS CREDIT UNION 1 6.50% $2,581
INTERCOASTAL MORTGAGE COMPANY 1 6.62% $5,508
ISERVE RESIDENTIAL LENDING, LLC 1 6.50% $4,663
ITHINK FINANCIAL Credit Union 1 7.75% $8,139
1786 1 6.50% $6,947
JLB CORPORATION 1 7.63% $6,099
JMAC LENDING, INC. 1 5.88% $2,961
Johnson Bank 1 6.00% $1,859
Connexus Credit Union 1 6.99% $2,326
KEMBA FINANCIAL 1 5.38% $4,595
KINECTA 1 5.38% $3,238
Willamette Valley Bank 1 5.63% $11,677
Leader Bank 1 6.00% $3,916
Legacy Home Loans, LLC 1 6.38% $3,270
Legends Bank 1 6.63% $4,259
Community First Bank of Indiana 1 6.75% $2,826
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 1 5.00% $3,012
MEMBERS 1ST FEDERAL CREDIT UNION 1 5.75% $10,348
MERCK SHARP & DOHME FEDERAL CREDIT UNION 1 7.13% $6,010
MMS MORTGAGE SERVICES, LTD. 1 6.38% $3,316
Commerce Home Mortgage, Inc. 1 8.38% $10,296
Commerce Bank 1 6.75% $3,098
Colony Bank 1 6.49% $8,656
General Mortgage Capital Corporation 1 6.99% $4,034
MORTGAGEONE, INC. 1 7.63% $8,472
Deseret First Credit Union 1 6.00% $6,838
City National Bank 1 6.20% $4,526
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 7.13% $3,527
NASA Federal Credit Union 1 6.63% $5,445
Citizens Bank of Lafayette 1 8.65% $1,416
NBH Bank 1 7.50% $3,736
Neighborhood Loans, Inc. 1 7.88% $5,210
CIBC Bank USA 1 6.38% $5,485
NP, Inc. 1 11.38% $4,061
NUMARK CREDIT UNION 1 6.25% $4,372
Wilmington Savings Fund Society, FSB 1 6.75% $2,736
CHERRY CREEK MORTGAGE, LLC 1 7.38% $4,817
Orion Federal Credit Union 1 5.88% $2,105
Flanagan State Bank 1 6.75% $3,458
Dollar Bank, Federal Savings Bank 1 6.88% $2,875
CASTLE & COOKE MORTGAGE, LLC 1 7.88% $8,957
First Western Bank & Trust 1 6.13% $4,871
First United Bank and Trust Company 1 6.50% $9,508
Capitol Federal Savings Bank 1 5.13% $7,028
Platinum Home Mortgage Corporation 1 6.13% $14,163
CANOPY MORTGAGE, LLC 1 6.50% $7,673
FIRST STATE MORTGAGE SERVICES, LLC 1 6.63% $6,219
Busey Bank 1 6.25% $3,082
First State Community Bank 1 6.90% $2,503
PREMIER MORTGAGE RESOURCES, L.L.C. 1 8.50% $8,780
BOKF 1 7.00% $4,819
BNY Mellon 1 5.63% $6,237
First State Bank of St. Charles, Missouri 1 8.00% $3,266
Blue Ridge Bank 1 7.38% $3,366
PURDUE FEDERAL CREDIT UNION 1 6.88% $5,129
BLACK HILLS FEDERAL CREDIT UNION 1 6.13% $7,447
Baxter Credit Union 1 7.63% $3,725
DUPACO COMMUNITY 1 5.38% $2,960
East Coast Capital Corp. 1 8.13% $10,247
Royal Credit Union 1 6.13% $6,904
BANK OF LITTLE ROCK MORTGAGE CORPORATION 1 7.50% $3,470
Service Federal Credit Union 1 5.75% $3,278
Sharefax Credit Union 1 6.63% $0
Southern Bank 1 7.25% $2,161
SouthPoint Bank 1 6.63% $635
South State Bank 1 8.13% $4,058
SOUTHWEST STAGE FUNDING, LLC 1 8.24% $5,720
Specialized Loan Servicing LLC 1 7.88% $3,366
STAR ONE CREDIT UNION 1 7.00% $2,364
Strong Home Mortgage, LLC 1 6.38% $6,534
TEACHERS CREDIT UNION 1 9.38% $4,164
TELHIO 1 5.88% $6,430
TENNESSEE VALLEY 1 6.57% $5,273
The Camden National Bank 1 7.63% $4,066
Arbor Bank 1 6.12% $2,990
The Dart Bank 1 6.99% $4,476
The Farmers National Bank of Canfield 1 7.63% $4,357
First Farmers Bank and Trust Company 1 7.00% $3,321
The Friendship State Bank 1 6.75% $6,760
The North Side Bank & Trust Company 1 6.88% $2,583
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.88% $4,569
The State Bank 1 6.00% $4,112
THRIVENT Federal Credit Union 1 6.75% $4,601
FineMark National Bank & Trust 1 6.38% $3,575
TRIAD FINANCIAL SERVICES, INC. 1 10.00% $3,389
Truity Federal Credit Union 1 6.13% $4,049
TRUWEST Credit Union 1 5.75% $3,863
Tyndall Federal Credit Union 1 7.13% $3,710
Wyndham Capital Mortgage, Inc. 1 6.63% $2,428
Union Bank and Trust Company 1 6.50% $4,875
First Bank Richmond 1 5.88% $3,093
First Bank 1 5.50% $3,763
United Bank of Union 1 7.00% $2,869
United Community Bank 1 6.00% $3,206
United Nations Federal Credit Union 1 4.50% $4,482
U S WIDE FINANCIAL LLC 1 6.50% $1,473
VILLAGE CAPITAL MORTGAGE 1 5.88% $8,476
Advisors Mortgage Group, L.L.C. 1 6.63% $3,236
Watermark Capital, Inc. 1 7.00% $4,320
ADVANCIAL 1 6.25% $11,053
Adams Bank & Trust 1 5.88% $5,130
WESCOM CENTRAL CREDIT UNION 1 6.88% $3,329
Actors Federal Credit Union 1 6.50% $2,920
CREDIT UNION ONE 1 6.13% $3,877
GREENSTATE CREDIT UNION 1 7.63% $4,469

Kentucky Average Closing Costs & Other Stats

Kentucky's 447 lenders originated 82,377 loans during 2023. The total origination value was $16,656,295,000, with an average loan value of $202,196.

Kentucky's average closing costs are $4,213.

The top Kentucky lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,654 loans originated. Their average total fees are $5,624, which is $289 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Kentucky lenders (with over 10 loans originated) are Discover Bank ($0), TRANSCEND ($409), PREMIA MORTGAGE, LLC ($1,010), City National Bank of West Virginia ($1,396) and Commercial Bank ($1,531).

The lowest rate Kentucky lenders (with over 10 loans originated) are Raymond James Bank (5.43%), GENERAL ELECTRIC CREDIT UNION (5.88%), PULTE MORTGAGE LLC (5.92%), Whitaker Bank (5.93%) and DHI MORTGAGE COMPANY, LTD. (5.94%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
UNITED WHOLESALE MORTGAGE, LLC $848,450,000 $803,055,000 -5.4% 4.8%
QUICKEN LOANS, LLC $996,870,000 $707,610,000 -29.0% 4.2%
Stock Yards Bank & Trust Company $437,915,000 $430,210,000 -1.8% 2.6%
STOCKTON MORTGAGE CORPORATION $468,955,000 $412,700,000 -12.0% 2.5%
Republic Bank & Trust Company $513,200,000 $393,605,000 -23.3% 2.4%
Northpointe Bank $300,455,000 $340,215,000 13.2% 2.0%
Mortgage Research Center, LLC $388,325,000 $330,840,000 -14.8% 2.0%
Community Trust Bank, Inc. $318,920,000 $307,105,000 -3.7% 1.8%
U.S. Bank $505,205,000 $294,500,000 -41.7% 1.8%
EVANSVILLE TEACHERS $527,230,000 $294,465,000 -44.1% 1.8%
Fifth Third Bank $594,820,000 $281,475,000 -52.7% 1.7%
PNC Bank $475,700,000 $267,810,000 -43.7% 1.6%
Central Bank $225,000 $251,660,000 111,748.9% 1.5%
Guardian Savings Bank, A Federal Savings Bank $332,720,000 $225,425,000 -32.2% 1.4%
VICTORY MORTGAGE, L.L.C. $214,630,000 $218,650,000 1.9% 1.3%
GREYSTONE SERVICING COMPANY LLC $55,905,000 $209,130,000 274.1% 1.3%
SOUTH CENTRAL BANK, INC. $260,000,000 $207,365,000 -20.2% 1.2%
RUOFF MORTGAGE COMPANY, INC. $205,990,000 $196,830,000 -4.4% 1.2%
THRIVE MORTGAGE, LLC $64,625,000 $189,610,000 193.4% 1.1%
JPMorgan Chase Bank $286,830,000 $187,310,000 -34.7% 1.1%
Traditional Bank, Inc. $214,605,000 $185,360,000 -13.6% 1.1%
WesBanco $230,940,000 $183,225,000 -20.7% 1.1%
COMMONWEALTH $178,815,000 $176,260,000 -1.4% 1.1%
Independence Bank of Kentucky $256,435,000 $173,770,000 -32.2% 1.0%
The Huntington National Bank $262,115,000 $168,270,000 -35.8% 1.0%
Truist $267,215,000 $165,280,000 -38.1% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $271,730,000 $164,065,000 -39.6% 1.0%
UNIVERSITY OF KENTUCKY $287,980,000 $163,935,000 -43.1% 1.0%
L & N Federal Credit Union $186,115,000 $159,610,000 -14.2% 1.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $210,505,000 $152,080,000 -27.8% 0.9%
First Financial Bank $26,310,000 $149,675,000 468.9% 0.9%
CROSSCOUNTRY MORTGAGE, LLC $122,910,000 $142,145,000 15.6% 0.9%
Abound Federal Credit Union $149,870,000 $137,920,000 -8.0% 0.8%
Whitaker Bank $121,085,000 $133,565,000 10.3% 0.8%
PARK COMMUNITY CREDIT UNION, INC. $176,495,000 $133,390,000 -24.4% 0.8%
VANDERBILT MORTGAGE AND FINANCE, INC. $103,080,000 $130,510,000 26.6% 0.8%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $126,585,000 $120,395,000 -4.9% 0.7%
Prosperity Home Mortgage, LLC $177,385,000 $119,580,000 -32.6% 0.7%
GENEVA FINANCIAL, LLC $120,975,000 $112,570,000 -6.9% 0.7%
HOMESIDE FINANCIAL, LLC $62,480,000 $110,635,000 77.1% 0.7%
NAVY FEDERAL CREDIT UNION $122,895,000 $109,445,000 -10.9% 0.7%
German American Bank $202,175,000 $109,135,000 -46.0% 0.7%
Forcht Bank $142,190,000 $108,190,000 -23.9% 0.6%
ORIX REAL ESTATE CAPITAL, LLC $33,855,000 $106,900,000 215.8% 0.6%
GUARANTEED RATE, INC. $167,745,000 $105,525,000 -37.1% 0.6%
The Cecilian Bank $137,030,000 $104,120,000 -24.0% 0.6%
Farm Credit Mid-America, ACA $157,520,000 $102,790,000 -34.7% 0.6%
Magnolia Bank $132,740,000 $102,275,000 -23.0% 0.6%
Old National Bank $162,645,000 $101,090,000 -37.8% 0.6%
Bank of England $115,130,000 $99,235,000 -13.8% 0.6%
PENNYMAC LOAN SERVICES, LLC $125,590,000 $98,640,000 -21.5% 0.6%
CBRE MULTIFAMILY CAPITAL, INC. $125,170,000 $97,095,000 -22.4% 0.6%
FREEDOM MORTGAGE CORPORATION $217,470,000 $96,040,000 -55.8% 0.6%
UNION HOME MORTGAGE CORP. $85,400,000 $94,975,000 11.2% 0.6%
Citizens Bank $325,000 $94,020,000 28,829.2% 0.6%
PROVIDENT FUNDING ASSOCIATES, L.P. $113,375,000 $89,450,000 -21.1% 0.5%
City National Bank of West Virginia $75,530,000 $88,835,000 17.6% 0.5%
WALKER & DUNLOP, LLC $162,260,000 $85,880,000 -47.1% 0.5%
First Southern National Bank $117,335,000 $80,210,000 -31.6% 0.5%
Regions Bank $58,490,000 $80,190,000 37.1% 0.5%
Century Mortgage Company DBA Century Lending Company $88,695,000 $78,315,000 -11.7% 0.5%
Merchants Bank of Indiana $16,780,000 $74,910,000 346.4% 0.4%
Edmonton State Bank $96,735,000 $71,285,000 -26.3% 0.4%
INTERLINC MORTGAGE SERVICES, LLC $105,410,000 $70,210,000 -33.4% 0.4%
AMERISAVE MORTGAGE CORPORATION $160,410,000 $70,205,000 -56.2% 0.4%
EVERETT FINANCIAL, INC. $132,075,000 $68,055,000 -48.5% 0.4%
Plains Commerce Bank $26,400,000 $66,330,000 151.3% 0.4%
FIRST EQUITY MORTGAGE INCORPORATED $69,325,000 $65,950,000 -4.9% 0.4%
The Monticello Banking Company $120,550,000 $61,450,000 -49.0% 0.4%
Republic State Mortgage Co. $94,020,000 $60,795,000 -35.3% 0.4%
Wilson & Muir Bank & Trust Company $84,240,000 $59,720,000 -29.1% 0.4%
GENERAL ELECTRIC CREDIT UNION $54,195,000 $59,610,000 10.0% 0.4%
BROKER SOLUTIONS, INC. $65,615,000 $59,485,000 -9.3% 0.4%
Union Savings Bank $97,660,000 $57,690,000 -40.9% 0.3%
Franklin Bank & Trust Company $40,055,000 $57,365,000 43.2% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $134,310,000 $56,860,000 -57.7% 0.3%
Wells Fargo Bank $166,735,000 $55,635,000 -66.6% 0.3%
21ST MORTGAGE CORPORATION $53,240,000 $55,375,000 4.0% 0.3%
Limestone Bank, Inc. $59,135,000 $54,125,000 -8.5% 0.3%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $66,375,000 $54,100,000 -18.5% 0.3%
West Point Bank $74,365,000 $53,495,000 -28.1% 0.3%
Peoples Exchange Bank $113,275,000 $51,415,000 -54.6% 0.3%
USAA Federal Savings Bank $90,115,000 $50,415,000 -44.1% 0.3%
American Bank & Trust Company, Inc. $181,885,000 $48,930,000 -73.1% 0.3%
LOANDEPOT.COM, LLC $170,560,000 $48,845,000 -71.4% 0.3%
PULTE MORTGAGE LLC $46,125,000 $47,840,000 3.7% 0.3%
Grandbridge Real Estate Capital LLC $3,955,000 $45,025,000 1,038.4% 0.3%
Carrington Mortgage Services, LLC $65,030,000 $44,110,000 -32.2% 0.3%
Farmers Bank and Trust Company $71,575,000 $42,285,000 -40.9% 0.3%
The Paducah Bank and Trust Company $56,160,000 $41,085,000 -26.8% 0.2%
River City Bank, Inc. $44,950,000 $41,035,000 -8.7% 0.2%
Bank of America $74,735,000 $40,715,000 -45.5% 0.2%
FIELD & MAIN BANK, INC. $22,850,000 $40,380,000 76.7% 0.2%
NEWREZ LLC $47,845,000 $38,820,000 -18.9% 0.2%
Heritage Bank, Inc. $43,930,000 $38,125,000 -13.2% 0.2%
FBC MORTGAGE, LLC $66,865,000 $37,875,000 -43.4% 0.2%
CMG MORTGAGE, INC. $61,045,000 $37,860,000 -38.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $45,300,000 $37,585,000 -17.0% 0.2%
Flagstar Bank, FSB $47,490,000 $37,025,000 -22.0% 0.2%
MOVEMENT MORTGAGE, LLC $65,355,000 $36,400,000 -44.3% 0.2%
The Lincoln National Bank of Hodgenville $46,895,000 $36,260,000 -22.7% 0.2%
Heartland Bank $68,970,000 $35,735,000 -48.2% 0.2%
Peoples Bank $1,810,000 $35,705,000 1,872.7% 0.2%
The Park National Bank $9,680,000 $34,650,000 258.0% 0.2%
Planters Bank, Inc. $73,870,000 $34,070,000 -53.9% 0.2%
Paramount Residential Mortgage Group, Inc. $56,650,000 $33,890,000 -40.2% 0.2%
CARDINAL FINANCIAL $67,600,000 $33,825,000 -50.0% 0.2%
First Savings Bank $51,135,000 $33,540,000 -34.4% 0.2%
FIRST COMMUNITY MORTGAGE, INC. $25,835,000 $33,520,000 29.7% 0.2%
Third Federal Savings and Loan Association of Cleveland $56,655,000 $33,395,000 -41.1% 0.2%
NEW DAY FINANCIAL, LLC $50,210,000 $33,055,000 -34.2% 0.2%
SUCCESS MORTGAGE PARTNERS, INC. $33,080,000 $32,615,000 -1.4% 0.2%
Cumberland Valley National Bank & Trust Company $42,090,000 $31,690,000 -24.7% 0.2%
Morgantown Bank & Trust Company, Incorporated $30,250,000 $31,490,000 4.1% 0.2%
First Harrison Bank $37,080,000 $31,180,000 -15.9% 0.2%
JONES LANG LASALLE MULTIFAMILY, LLC $73,465,000 $30,425,000 -58.6% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $27,135,000 $29,650,000 9.3% 0.2%
The Citizens National Bank of Somerset $72,435,000 $29,385,000 -59.4% 0.2%
BERKADIA COMMERCIAL MORTGAGE LLC $76,425,000 $29,045,000 -62.0% 0.2%
Meade County Bank $41,780,000 $28,345,000 -32.2% 0.2%
PLAZA HOME MORTGAGE, INC. $20,450,000 $27,740,000 35.6% 0.2%
FNB Bank, Inc. $185,000 $27,270,000 14,640.5% 0.2%
FirstBank $40,935,000 $27,010,000 -34.0% 0.2%
Bank of Lexington, Inc. $23,210,000 $26,715,000 15.1% 0.2%
ENVOY MORTGAGE, LTD $52,210,000 $26,715,000 -48.8% 0.2%
United Southern Bank $27,835,000 $26,555,000 -4.6% 0.2%
United Cumberland Bank $25,240,000 $26,550,000 5.2% 0.2%
The Federal Savings Bank $32,760,000 $26,245,000 -19.9% 0.2%
BAYSHORE MORTGAGE FUNDING, LLC $25,640,000 $25,815,000 0.7% 0.2%
DAS Acquisition Company, LLC $29,955,000 $25,755,000 -14.0% 0.2%
Discover Bank $16,345,000 $25,700,000 57.2% 0.2%
Bank of Edmonson County $19,880,000 $25,515,000 28.3% 0.2%
Equity Prime Mortgage LLC $29,635,000 $25,010,000 -15.6% 0.2%
Webster Bank $24,645,000 n/a 0.1%
POLARIS HOME FUNDING CORP. $33,655,000 $24,240,000 -28.0% 0.1%
The Farmers Bank $5,695,000 $24,010,000 321.6% 0.1%
Morgan Stanley Private Bank $40,275,000 $23,905,000 -40.6% 0.1%
GERSHMAN INVESTMENT CORP. $17,235,000 $23,495,000 36.3% 0.1%
MID AMERICA MORTGAGE, INC. $16,195,000 $22,885,000 41.3% 0.1%
THE MORTGAGE WAREHOUSE,LLC $63,455,000 $22,555,000 -64.5% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $71,420,000 $20,250,000 -71.6% 0.1%
Citizens Bank of Kentucky, Inc. $25,485,000 $19,755,000 -22.5% 0.1%
PENTAGON FEDERAL CREDIT UNION $23,620,000 $19,350,000 -18.1% 0.1%
ENDEAVOR CAPITAL, LLC. $12,045,000 $18,715,000 55.4% 0.1%
Bank of the Bluegrass & Trust Co. $18,350,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $26,055,000 $17,935,000 -31.2% 0.1%
The Commercial Bank of Grayson $16,660,000 $17,775,000 6.7% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $63,415,000 $17,755,000 -72.0% 0.1%
DHI MORTGAGE COMPANY, LTD. $13,895,000 $17,595,000 26.6% 0.1%
LENDINGHOME FUNDING CORPORATION $13,835,000 $17,595,000 27.2% 0.1%
KeyBank $6,520,000 $17,380,000 166.6% 0.1%
EMM LOANS LLC $15,645,000 $17,280,000 10.5% 0.1%
GoPrime Mortgage, Inc. $14,275,000 $17,215,000 20.6% 0.1%
GUARANTEED RATE AFFINITY, LLC $25,100,000 $17,145,000 -31.7% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $49,450,000 $17,075,000 -65.5% 0.1%
Renasant Bank $12,840,000 $16,950,000 32.0% 0.1%
TOP FLITE FINANCIAL, INC. $15,900,000 $16,830,000 5.8% 0.1%
VILLAGE CAPITAL MORTGAGE $12,025,000 $16,440,000 36.7% 0.1%
LAKEVIEW LOAN SERVICING, LLC $42,545,000 $16,205,000 -61.9% 0.1%
ROYAL UNITED MORTGAGE LLC $15,365,000 $15,450,000 0.6% 0.1%
MEMBERS CHOICE $26,430,000 $15,075,000 -43.0% 0.1%
First Financial Bank $26,310,000 $15,040,000 -42.8% 0.1%
LIMA ONE CAPITAL, LLC $4,185,000 $14,930,000 256.8% 0.1%
KEMBA CREDIT UNION, INC. $22,905,000 $14,810,000 -35.3% 0.1%
PLANET HOME LENDING, LLC $13,940,000 $14,785,000 6.1% 0.1%
NATIONS RELIABLE LENDING, LLC $47,985,000 $14,615,000 -69.5% 0.1%
First National Bank of America $9,680,000 $14,490,000 49.7% 0.1%
LCNB National Bank $1,995,000 $14,100,000 606.8% 0.1%
The Farmers Bank of Milton $19,340,000 $14,055,000