Mortgage lending in Campbell County
2,761 mortgages were originated in Campbell County, Kentucky, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,761
- Median rate
- 6.750%
- Median lender fees
- $4,357
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $195,000
- Above the going rate (spread over APOR)
- 0.305
- Paid discount points
- 30.6%
- Received lender credits
- 24.4%
- Purchases / refinances
- 48.5% / 30.6%
- Conventional / FHA / VA
- 85.1% / 10.1% / 4.2%
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 66% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $380,000
- That home, 20% down
- $304,000
A median-priced home with 20% down leaves $528,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Campbell County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Fifth Third Bank, National Association | 253 | $2,938 | 7.490% |
| United Shore Financial Services, LLC | 149 | $6,222 | 6.623% |
| Guardian Savings Bank | 147 | $1,310 | 6.750% |
| Stockton Mortgage Corporation | 137 | $6,397 | 6.625% |
| Rocket Mortgage, LLC | 120 | $4,931 | 6.688% |
| U.S. Bank National Association | 116 | $3,194 | 7.250% |
| The Huntington National Bank | 109 | $3,325 | 6.750% |
| Union Home Mortgage Corp. | 80 | $5,026 | 6.625% |
| Victory Mortgage, L.L.C. | 76 | $2,762 | 6.125% |
| WesBanco Bank, Inc. | 71 | — | 3.990% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Campbell County — not a rule of thumb.
From 1,822 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers