Mortgage lending in Fayette County
7,013 mortgages were originated in Fayette 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
- 7,013
- Median rate
- 6.750%
- Median lender fees
- $4,099
- Median loan amount
- $215,000
- Median 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
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 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, escrow and taxes are extra and are not in these figures. Compare two offers