Mortgage lending in Kenton County
5,218 mortgages were originated in Kenton 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
- 5,218
- Median rate
- 6.750%
- Median lender fees
- $4,249
- Median loan amount
- $195,000
- Median spread over APOR
- 0.360
- Paid discount points
- 31.6%
- Received lender credits
- 26.1%
- Purchases / refinances
- 49.2% / 29.9%
- Conventional / FHA / VA
- 80.6% / 13.9% / 5.2%
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 66.7% 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 Kenton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Fifth Third Bank, National Association | 311 | $2,322 | 7.750% |
| The Huntington National Bank | 310 | $3,220 | 7.490% |
| Guardian Savings Bank | 306 | $1,352 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 265 | $6,679 | 6.375% |
| VICTORY MORTGAGE, L.L.C. | 259 | $3,072 | 6.125% |
| U.S. Bank National Association | 226 | $3,318 | 7.850% |
| Rocket Mortgage, LLC | 219 | $4,533 | 6.875% |
| STOCKTON MORTGAGE CORPORATION | 175 | $6,024 | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 167 | $5,248 | 6.750% |
| UNION HOME MORTGAGE CORP. | 167 | $5,267 | 6.500% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Kenton County — not a rule of thumb.
From 3,478 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