Mortgage lending in Elizabethtown, KY
3,543 mortgages were originated in the Elizabethtown, KY area in 2025, and here is what they cost.
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
- 3,543
- Median rate
- 6.500%
- Median lender fees
- $4,663
- Median loan amount
- $205,000
- Median spread over APOR
- 0.092
- Paid discount points
- 34%
- Received lender credits
- 24.7%
- Purchases / refinances
- 48.7% / 35.2%
- Conventional / FHA / VA
- 60.4% / 12.6% / 26.2%
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 68.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Elizabethtown, KY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Abound Federal Credit Union | 431 | $2,866 | 7.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 327 | $5,799 | 6.124% |
| The Cecilian Bank | 214 | $2,238 | 7.500% |
| Rocket Mortgage, LLC | 205 | $4,812 | 6.500% |
| SOUTH CENTRAL BANK, INC. | 203 | $3,672 | 6.500% |
| West Point Bank | 198 | — | — |
| Mortgage Research Center, LLC | 171 | $4,475 | 6.188% |
| FREEDOM MORTGAGE CORPORATION | 104 | $3,598 | 6.250% |
| Navy Federal Credit Union | 93 | $2,341 | 6.625% |
| WesBanco Bank, Inc. | 80 | — | 3.990% |