Mortgage lending in Lincoln County
465 mortgages were originated in Lincoln 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
- 465
- Median rate
- 6.750%
- Median lender fees
- $4,398
- Median loan amount
- $145,000
- Median spread over APOR
- 0.486
- Paid discount points
- 33.5%
- Received lender credits
- 20.2%
- Purchases / refinances
- 56.3% / 28.4%
- Conventional / FHA / VA
- 66.5% / 20.6% / 9%
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 73.1% 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