Mortgage lending in Oldham County
2,114 mortgages were originated in Oldham 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
- 2,114
- Median rate
- 6.625%
- Median lender fees
- $4,892
- Median loan amount
- $275,000
- Median spread over APOR
- 0.171
- Paid discount points
- 30%
- Received lender credits
- 22.6%
- Purchases / refinances
- 45.8% / 31.5%
- Conventional / FHA / VA
- 86.3% / 6.7% / 6.7%
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 63.4% 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 Oldham County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 138 | $4,574 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 123 | $5,772 | 6.375% |
| Stock Yards Bank & Trust Company | 114 | — | 6.500% |
| PNC Bank, National Association | 113 | — | 7.750% |
| Fifth Third Bank, National Association | 109 | — | 7.500% |
| L & N Federal Credit Union | 89 | — | 7.000% |
| Northpointe Bank | 86 | $7,636 | 6.995% |
| Republic Bank & Trust Company | 84 | — | 5.990% |
| Liberty | 74 | — | 6.813% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Oldham County — not a rule of thumb.
From 1,340 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