Mortgage lending in Paducah, KY-IL
1,975 mortgages were originated in the Paducah, KY-IL 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
- 1,975
- Median rate
- 6.672%
- Median lender fees
- $4,601
- Median loan amount
- $155,000
- Median spread over APOR
- 0.443
- Paid discount points
- 28.3%
- Received lender credits
- 20.1%
- Purchases / refinances
- 58% / 28%
- Conventional / FHA / VA
- 74.2% / 14.9% / 8.9%
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 53.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Paducah, KY-IL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Paducah Bank and Trust Company | 166 | — | — |
| 549300MEMKSF7703ZQ25 | 137 | — | — |
| Rocket Mortgage, LLC | 132 | $5,017 | 6.750% |
| Regions Bank | 115 | $2,773 | 6.125% |
| Independence Bank of Kentucky | 109 | — | 7.000% |
| 54930002HD26G3OGZR79 | 106 | — | — |
| GERSHMAN INVESTMENT CORP. | 97 | $4,088 | 6.500% |
| U.S. Bank National Association | 85 | $3,549 | 7.400% |
| Citizens Deposit Bank of Arlington Inc | 84 | — | — |
| EVERETT FINANCIAL, INC. | 64 | $6,317 | 6.875% |