Mortgage lending in Bullitt County
2,601 mortgages were originated in Bullitt 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
- 2,601
- Median rate
- 6.625%
- Median lender fees
- $4,518
- Median loan amount
- $205,000
- Median spread over APOR
- 0.316
- Paid discount points
- 35.2%
- Received lender credits
- 26.3%
- Purchases / refinances
- 50.2% / 28.8%
- Conventional / FHA / VA
- 73.2% / 17.9% / 7.6%
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 69.3% 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 Bullitt County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 153 | $6,832 | 6.499% |
| Rocket Mortgage, LLC | 144 | $3,895 | 6.875% |
| L & N Federal Credit Union | 143 | — | 7.000% |
| VICTORY MORTGAGE, L.L.C. | 113 | $4,088 | 5.750% |
| Stock Yards Bank & Trust Company | 112 | $3,533 | 6.500% |
| PNC Bank, National Association | 95 | — | 7.750% |
| First Harrison Bank | 86 | — | 6.063% |
| Fifth Third Bank, National Association | 79 | — | 7.750% |
| Northpointe Bank | 78 | $6,385 | 6.750% |
| Republic Bank & Trust Company | 70 | — | 6.188% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Bullitt County — not a rule of thumb.
From 1,802 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