Mortgage lending in Kentucky

100,653 mortgages were originated in Kentucky in 2025. Here is what they cost — including the lender fees that never show up in an advertised rate.

Loans originated

100,653

Median rate

6.750%

Median lender fees

$4,473

Median loan amount

$185,000

Median spread over APOR

0.311

Paid discount points

31.5%

Received lender credits

21.8%

Purchases / refinances

51.4% / 29.7%

Conventional / FHA / VA

76.2% / 14.5% / 8%

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 65% of loans here — see methodology.

Largest lenders in Kentucky

Ranked by loans originated. The fee column is where lenders differ most — it is the money they charged to make the loan, and it is not part of the interest rate.

Kentucky year by year

The same measures across every year of filings available. Rates follow the market; fees move for their own reasons.

Counties

63 counties had at least 300 loans in 2025. Smaller counties are left out rather than published from a handful of records.