Mortgage lending in Shelby County
1,407 mortgages were originated in Shelby 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
- 1,407
- Median rate
- 6.625%
- Median lender fees
- $4,827
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)
- 0.169
- Paid discount points
- 31.6%
- Received lender credits
- 23.7%
- Purchases / refinances
- 47.9% / 28.6%
- Conventional / FHA / VA
- 78.8% / 13.4% / 6.5%
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 64.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $427,000
- That home, 20% down
- $341,600
A median-priced home with 20% down leaves $491,150 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 Shelby County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Commonwealth | 94 | — | 7.500% |
| German American Bank | 85 | — | — |
| Rocket Mortgage, LLC | 83 | $3,776 | 6.990% |
| Stock Yards Bank & Trust Company | 77 | — | 6.500% |
| United Shore Financial Services, LLC | 74 | $6,171 | 6.452% |
| Traditional Bank, Inc. | 63 | — | 6.875% |
| Fifth Third Bank, National Association | 53 | — | 7.500% |
| Independence Bank of Kentucky | 50 | — | 7.000% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Shelby County — not a rule of thumb.
From 908 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