Mortgage lending in Louisville/Jefferson County, KY-IN
37,155 mortgages were originated in the Louisville/Jefferson County, KY-IN 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
- 37,155
- Median rate
- 6.625%
- Median lender fees
- $4,370
- Median loan amount
- $195,000
- Median spread over APOR
- 0.280
- Paid discount points
- 33.7%
- Received lender credits
- 22.8%
- Purchases / refinances
- 51.9% / 27.9%
- Conventional / FHA / VA
- 79.3% / 13.5% / 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 66.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Louisville/Jefferson County, KY-IN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,976 | $5,501 | 6.598% |
| Rocket Mortgage, LLC | 2,385 | $4,248 | 6.750% |
| Stock Yards Bank & Trust Company | 1,584 | $3,386 | 6.500% |
| PNC Bank, National Association | 1,498 | $3,741 | 7.640% |
| Republic Bank & Trust Company | 1,207 | $3,085 | 5.990% |
| Fifth Third Bank, National Association | 1,203 | $3,095 | 7.750% |
| First Financial Bank | 1,049 | $3,566 | 6.375% |
| Northpointe Bank | 1,049 | $6,129 | 6.875% |
| L & N Federal Credit Union | 1,046 | $2,377 | 7.000% |
| U.S. Bank National Association | 763 | $3,799 | 7.250% |