Mortgage lending in Fayette County
7,013 mortgages were originated in Fayette 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
- 7,013
- Median rate
- 6.750%
- Median lender fees
- $4,099
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
- $215,000
- Above the going rate (spread over APOR)
- 0.207
- Paid discount points
- 25.8%
- Received lender credits
- 18.2%
- Purchases / refinances
- 47.2% / 31.5%
- Conventional / FHA / VA
- 86.1% / 9.8% / 4.1%
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 58.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $328,000
- That home, 20% down
- $262,400
A median-priced home with 20% down leaves $570,350 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 Fayette County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| University Of Kentucky | 863 | — | 7.240% |
| Rocket Mortgage, LLC | 360 | $4,777 | 6.750% |
| Central Bank & Trust Company | 328 | $2,704 | 7.000% |
| Guardian Savings Bank | 305 | $1,425 | 6.500% |
| Commonwealth | 296 | $2,532 | 7.250% |
| Ark-La-Tex Financial Services, LLC. | 290 | $4,441 | 6.624% |
| Fifth Third Bank, National Association | 275 | $3,198 | 7.500% |
| United Shore Financial Services, LLC | 237 | $6,147 | 6.125% |
| Republic Bank & Trust Company | 207 | $3,610 | 6.375% |
| Stockton Mortgage Corporation | 198 | $6,961 | 6.500% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Fayette County — not a rule of thumb.
From 4,113 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