Mortgage lending in Lexington-Fayette, KY
12,629 mortgages were originated in the Lexington-Fayette, KY area in 2025, and here is what they cost.
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
- 12,629
- Median rate
- 6.750%
- Median lender fees
- $4,252
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)
- 0.230
- Paid discount points
- 27.5%
- Received lender credits
- 19.2%
- Purchases / refinances
- 47.4% / 31.4%
- Conventional / FHA / VA
- 82.8% / 11.6% / 5.3%
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 61.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Lexington-Fayette, KY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| University Of Kentucky | 1,196 | — | 7.240% |
| Rocket Mortgage, LLC | 749 | $4,742 | 6.750% |
| Commonwealth | 590 | $2,572 | 7.250% |
| Central Bank & Trust Company | 524 | $2,786 | 7.000% |
| Ark-La-Tex Financial Services, LLC. | 483 | $4,436 | 6.624% |
| Guardian Savings Bank | 479 | $1,214 | 6.500% |
| Fifth Third Bank, National Association | 457 | $3,262 | 7.500% |
| Stockton Mortgage Corporation | 417 | $6,891 | 6.500% |
| United Shore Financial Services, LLC | 400 | $6,278 | 6.250% |
| Stock Yards Bank & Trust Company | 371 | $3,629 | 6.500% |