Mortgage lending in Scott County
2,004 mortgages were originated in Scott 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
- 2,004
- Median rate
- 6.625%
- Median lender fees
- $4,703
- Median loan amount
- $235,000
- Median spread over APOR
- 0.260
- Paid discount points
- 33.2%
- Received lender credits
- 21.4%
- Purchases / refinances
- 51.1% / 28.5%
- Conventional / FHA / VA
- 76% / 16.2% / 7.5%
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 68.6% 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 Scott County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 153 | $4,958 | 6.625% |
| COMMONWEALTH | 131 | — | 7.250% |
| STOCKTON MORTGAGE CORPORATION | 116 | $7,130 | 6.500% |
| Fifth Third Bank, National Association | 92 | — | 8.045% |
| UNIVERSITY OF KENTUCKY | 88 | — | 7.250% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 87 | $4,486 | 6.625% |
| Central Bank & Trust Company | 62 | — | 7.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 61 | $8,080 | 6.250% |
| Stock Yards Bank & Trust Company | 54 | — | 6.500% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Scott County — not a rule of thumb.
From 1,375 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