Mortgage lending in Jefferson County
19,415 mortgages were originated in Jefferson 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
- 19,415
- Median rate
- 6.750%
- Median lender fees
- $4,320
- Median loan amount
- $195,000
- Median spread over APOR
- 0.301
- Paid discount points
- 33.8%
- Received lender credits
- 22.3%
- Purchases / refinances
- 54.9% / 26.4%
- Conventional / FHA / VA
- 83.3% / 12.1% / 4.6%
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 66.2% 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 Jefferson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,851 | $5,256 | 6.625% |
| Rocket Mortgage, LLC | 1,111 | $4,158 | 6.750% |
| Stock Yards Bank & Trust Company | 1,012 | $3,414 | 6.500% |
| PNC Bank, National Association | 919 | $3,771 | 7.640% |
| First Financial Bank | 834 | $3,535 | 6.500% |
| Republic Bank & Trust Company | 782 | $3,194 | 5.990% |
| Fifth Third Bank, National Association | 749 | $3,284 | 7.750% |
| Northpointe Bank | 646 | $6,045 | 6.875% |
| L & N Federal Credit Union | 607 | $2,460 | 7.000% |
| U.S. Bank National Association | 602 | $3,812 | 7.250% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Jefferson County — not a rule of thumb.
From 12,855 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