Mortgage lending in Hardin County
3,136 mortgages were originated in Hardin 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
- 3,136
- Median rate
- 6.500%
- Median lender fees
- $4,862
- Median loan amount
- $215,000
- Median spread over APOR
- 0.076
- Paid discount points
- 35.5%
- Received lender credits
- 25.6%
- Purchases / refinances
- 48.5% / 35.7%
- Conventional / FHA / VA
- 57.9% / 13.2% / 28.3%
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 69.6% 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 Hardin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Abound Federal Credit Union | 352 | $2,866 | 7.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 313 | $5,985 | 6.124% |
| The Cecilian Bank | 200 | $2,497 | 7.500% |
| Rocket Mortgage, LLC | 193 | $4,830 | 6.500% |
| SOUTH CENTRAL BANK, INC. | 185 | $3,821 | 6.500% |
| West Point Bank | 167 | — | — |
| Mortgage Research Center, LLC | 159 | $4,651 | 6.188% |
| FREEDOM MORTGAGE CORPORATION | 98 | $3,598 | 6.125% |
| Navy Federal Credit Union | 89 | $2,327 | 6.625% |
| WesBanco Bank, Inc. | 75 | — | 3.990% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Hardin County — not a rule of thumb.
From 2,183 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