Mortgage lending in McCracken County
1,354 mortgages were originated in McCracken 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
- 1,354
- Median rate
- 6.625%
- Median lender fees
- $4,556
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
- $165,000
- Above the going rate (spread over APOR)
- 0.388
- Paid discount points
- 28.2%
- Received lender credits
- 21.1%
- Purchases / refinances
- 59.5% / 25.8%
- Conventional / FHA / VA
- 74.5% / 15.4% / 8.9%
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 55.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $185,000
- That home, 20% down
- $148,000
A median-priced home with 20% down leaves $684,750 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 McCracken County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Paducah Bank and Trust Company | 154 | — | — |
| Independence Bank of Kentucky | 97 | — | 7.000% |
| Rocket Mortgage, LLC | 86 | $5,232 | 6.750% |
| 54930002HD26G3OGZR79 | 82 | — | — |
| Gershman Investment Corp. | 82 | $3,870 | 6.500% |
| Regions Bank | 82 | $2,885 | 6.188% |
| U.S. Bank National Association | 75 | — | 7.400% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in McCracken County — not a rule of thumb.
From 755 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