Mortgage lending in Warren County
3,141 mortgages were originated in Warren 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
- 3,141
- Median rate
- 6.625%
- Median lender fees
- $5,137
- Median loan amount
- $215,000
- Median 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
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 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, escrow and taxes are extra and are not in these figures. Compare two offers