Kentucky · Q1 2026
What Kentucky borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 510 lenders.
Published 2026-04-29.
Kentucky · headline
The gap between Kentucky's lowest- and highest-cost ranked lenders in 2025 was $6,121 on a typical loan — borrowers using New American Funding paid roughly 440% more than borrowers using Guardian Savings Bank on similar loans.
Source: FFIEC HMDA 2025 (n=64,895)
In 2025, 510 mortgage lenders originated 64,895 reportable loans in Kentucky according to FFIEC HMDA data. The median borrower paid $4,778 in total loan costs. That is 12.6% above the national median across all 50 states and DC.
Kentucky's median total loan cost was $4,778, 12.6% above the national median of $4,242. On a typical loan, that translates to roughly $536 more than borrowers paid in the average state.
Guardian Savings Bank posted the lowest median total loan costs at $1,390, 70.9% below the Kentucky median. Across the ranked lenders, 9 earned an A grade against peer averages and 2 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Kentucky are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $4,887 | $2,624 | 6,047 | A |
| 2 | United Wholesale Mortgage | $5,992 | $2,281 | 4,797 | C |
| 3 | Stockton Mortgage Corporation | $6,914 | $3,248 | 2,241 | D |
| 4 | U.S. Bank National Association | $3,602 | $1,383 | 1,812 | A |
| 5 | Mortgage Research Center, LLC | $4,073 | $2,523 | 1,786 | A |
| 6 | Liberty Credit Union | $3,732 | $1,041 | 1,419 | A |
| 7 | Freedom Mortgage | $5,613 | $3,227 | 1,260 | C |
| 8 | Ark-La-Tex Financial Services, LLC. | $4,327 | $1,879 | 1,176 | A |
| 9 | New American Funding | $7,510 | $3,557 | 1,144 | F |
| 10 | Fifth Third Bank, N.A. | $3,052 | $1,295 | 1,116 | A |
Kentucky median total loan cost
Kentucky borrowers paid a median $4,778 in total loan costs in 2025, based on 64,895 HMDA-reported loans across 510 lenders.
FFIEC HMDA 2025
Lender spread in Kentucky
In Kentucky, the gap between Guardian Savings Bank ($1,390 median) and New American Funding ($7,510 median) was $6,121 on a typical 2025 loan.
FFIEC HMDA 2025
Kentucky vs. national
Kentucky closing costs ran 12.6% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Kentucky was $1,749, with the typical lender clustering tightly around that figure. Discount points appeared on 51% of loans, with a median paid amount of $1,713 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 34% of loans, with a median credit of $273.
Avg $2,732
Median $1,713 when present
Median $273 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Kentucky) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Kentucky
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