Mortgage lending in Barren County
1,075 mortgages were originated in Barren County, Kentucky, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,075
- Median rate
- 6.813%
- Median lender fees
- $4,949
- Median loan amount
- $145,000
- Median spread over APOR
- 0.350
- Paid discount points
- 26.5%
- Received lender credits
- 19.5%
- Purchases / refinances
- 49.6% / 31.2%
- Conventional / FHA / VA
- 73.5% / 16.3% / 6.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 55.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Barren County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| SOUTH CENTRAL BANK, INC. | 206 | $2,500 | 7.500% |
| Edmonton State Bank | 172 | — | — |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 62 | $6,926 | 6.490% |
| Rocket Mortgage, LLC | 51 | $5,228 | 6.750% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Barren County — not a rule of thumb.
From 592 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers