Mortgage lending in Hopkins County
935 mortgages were originated in Hopkins 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
- 935
- Median rate
- 6.750%
- Median lender fees
- $4,533
- Median loan amount
- $125,000
- Median spread over APOR
- 0.510
- Paid discount points
- 27.5%
- Received lender credits
- 21.2%
- Purchases / refinances
- 47.6% / 34.7%
- Conventional / FHA / VA
- 68% / 17.9% / 10.1%
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 62.1% 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 Hopkins County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Independence Bank of Kentucky | 105 | — | 7.000% |
| Fifth Third Bank, National Association | 83 | — | 8.500% |
| Rocket Mortgage, LLC | 63 | $6,267 | 6.500% |
| First United Bank and Trust Company | 58 | — | — |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Hopkins County — not a rule of thumb.
From 581 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