Mortgage lending in Boone County
4,300 mortgages were originated in Boone 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
- 4,300
- Median rate
- 6.750%
- Median lender fees
- $4,270
- Median loan amount
- $215,000
- Median spread over APOR
- 0.379
- Paid discount points
- 32.6%
- Received lender credits
- 25.5%
- Purchases / refinances
- 46% / 31.2%
- Conventional / FHA / VA
- 79.5% / 13.3% / 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 68.7% 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 Boone County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Fifth Third Bank, National Association | 309 | $2,547 | 7.750% |
| Rocket Mortgage, LLC | 259 | $5,062 | 6.750% |
| The Huntington National Bank | 249 | $3,140 | 7.340% |
| Guardian Savings Bank | 217 | $1,367 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 181 | $6,790 | 6.499% |
| VICTORY MORTGAGE, L.L.C. | 161 | $3,094 | 6.125% |
| U.S. Bank National Association | 152 | $3,357 | 7.638% |
| FIRST EQUITY MORTGAGE INCORPORATED | 148 | $3,957 | 6.375% |
| UNION HOME MORTGAGE CORP. | 140 | $5,764 | 6.500% |
| STOCKTON MORTGAGE CORPORATION | 130 | $6,127 | 6.625% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Boone County — not a rule of thumb.
From 2,955 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