Mortgage lending in Madison County
2,442 mortgages were originated in Madison County, Kentucky, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,442
- Median rate
- 6.625%
- Median lender fees
- $4,699
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $215,000
- Above the going rate (spread over APOR)
- 0.284
- Paid discount points
- 33.9%
- Received lender credits
- 24.9%
- Purchases / refinances
- 54% / 28.1%
- Conventional / FHA / VA
- 69.2% / 17.3% / 11.8%
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 70.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $265,000
- That home, 20% down
- $212,000
A median-priced home with 20% down leaves $620,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Madison County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Ark-La-Tex Financial Services, LLC. | 156 | $4,602 | 6.625% |
| T2 Financial LLC | 155 | $6,653 | 6.375% |
| Rocket Mortgage, LLC | 150 | $5,580 | 6.625% |
| Whitaker Bank | 135 | — | 6.500% |
| U.S. Bank National Association | 115 | $3,598 | 6.875% |
| University Of Kentucky | 92 | — | 7.500% |
| Commonwealth | 79 | — | 7.250% |
| United Shore Financial Services, LLC | 71 | $8,100 | 6.000% |
| Central Bank & Trust Company | 66 | — | 7.500% |
| Community Trust Bank, Inc. | 65 | — | 7.250% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Madison County — not a rule of thumb.
From 1,723 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers