Mortgage lending in Warren County
3,141 mortgages were originated in Warren 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
- 3,141
- Median rate
- 6.625%
- Median lender fees
- $5,137
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)
- 0.240
- Paid discount points
- 33.2%
- Received lender credits
- 18.9%
- Purchases / refinances
- 53.2% / 31.4%
- Conventional / FHA / VA
- 76.9% / 14.8% / 7.1%
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 59.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $270,000
- That home, 20% down
- $216,000
A median-priced home with 20% down leaves $616,750 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 Warren County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| South Central Bank, Inc. | 244 | $3,298 | 7.500% |
| American Bank & Trust Company, Inc. | 237 | — | — |
| Atlantic Bay Mortgage Group, L.L.C. | 174 | $8,448 | 6.433% |
| Rocket Mortgage, LLC | 170 | $4,810 | 6.625% |
| Liberty | 167 | $3,888 | 6.500% |
| U.S. Bank National Association | 150 | $3,761 | 7.850% |
| Abound Federal Credit Union | 140 | $3,088 | 7.000% |
| First Community Mortgage, Inc. | 120 | $7,518 | 6.625% |
| German American Bank | 98 | — | — |
| Truist Bank | 68 | — | 6.600% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Warren County — not a rule of thumb.
From 1,867 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