Mortgage lender closing cost rankings in Kentucky (2024)
In Kentucky, homebuyers paid a median of $4,996 in total closing costs on purchase mortgages in 2024, which is below the national median of $6,741. The median interest rate was 6.62% across 37,541 purchase originations. The most active lender was UNITED WHOLESALE MORTGAGE, LLC with 2,953 originations. The lowest-cost lender (with 50+ loans) was City National Bank of West Virginia at $1,884.
Median Total Costs
$4,996
−25.9% vs national ($6,741)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,659
Purchase Originations
37,541
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 23,124 | 6.750% | $3,962 |
| fha | 8,922 | 6.500% | $8,877 |
| va | 4,311 | 6.375% | $5,476 |
| usda | 1,184 | 6.500% | $6,108 |
Lowest closing cost lenders in Kentucky
Ranked by median total loan costs among lenders with 50+ purchase originations in Kentucky.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,884 | 6.525% | $600 | 114 | −$3,112 | |
| 2 | $1,907 | 6.875% | $500 | 544 | −$3,089 | |
| 3 | $1,974 | 6.875% | $500 | 61 | −$3,022 | |
| 4 | $2,247 | 7.375% | $500 | 64 | −$2,749 | |
| 5 | $2,276 | 6.500% | $792 | 115 | −$2,720 | |
| 6 | $2,382 | 5.375% | $0 | 168 | −$2,614 | |
| 7 | $2,429 | 6.500% | $650 | 564 | −$2,567 | |
| 8 | $2,472 | 7.000% | $400 | 206 | −$2,524 | |
| 9 | $2,702 | 7.650% | $1,765 | 91 | −$2,294 | |
| 10 | $2,762 | 6.250% | $670 | 156 | −$2,234 | |
| 11 | $2,846 | 6.500% | $569 | 291 | −$2,150 | |
| 12 | $2,892 | 6.000% | $525 | 249 | −$2,104 | |
| 13 | $2,933 | 6.125% | $0 | 324 | −$2,063 | |
| 14 | $2,986 | 5.875% | $760 | 747 | −$2,010 | |
| 15 | $3,037 | 6.750% | $975 | 128 | −$1,959 | |
| 16 | $3,129 | 6.898% | $1,609 | 139 | −$1,867 | |
| 17 | $3,232 | 6.490% | $825 | 133 | −$1,764 | |
| 18 | $3,238 | 6.875% | $1,099 | 77 | −$1,758 | |
| 19 | $3,319 | 6.625% | $795 | 637 | −$1,677 | |
| 20 | $3,333 | 7.125% | $1,758 | 171 | −$1,663 | |
| 21 | $3,364 | 6.625% | $1,236 | 256 | −$1,632 | |
| 22 | $3,380 | 6.375% | $250 | 53 | −$1,616 | |
| 23 | $3,387 | 6.250% | $900 | 211 | −$1,609 | |
| 24 | $3,456 | 6.750% | $957 | 187 | −$1,540 | |
| 25 | $3,473 | 6.625% | $1,011 | 580 | −$1,523 |
Includes lenders with 50+ purchase originations in Kentucky. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Jefferson County
7,886 originations
Fayette County
2,490 originations
Kenton County
2,057 originations
Boone County
1,657 originations
Warren County
1,217 originations
Campbell County
1,199 originations
Hardin County
1,105 originations
Daviess County
1,043 originations
Madison County
989 originations
Bullitt County
963 originations
Oldham County
801 originations
Scott County
753 originations
Christian County
566 originations
Nelson County
532 originations
Jessamine County
523 originations
Shelby County
502 originations
Franklin County
451 originations
Laurel County
427 originations
McCracken County
414 originations
Pulaski County
364 originations
Clark County
353 originations
Barren County
352 originations
Boyd County
328 originations
Meade County
313 originations
Henderson County
311 originations
Hopkins County
298 originations
Greenup County
280 originations
Boyle County
253 originations
Logan County
248 originations
Mercer County
245 originations
Grant County
238 originations
Woodford County
227 originations
Montgomery County
223 originations
Pike County
222 originations
Graves County
220 originations
Allen County
216 originations
Anderson County
215 originations
Spencer County
214 originations
Marshall County
211 originations
Simpson County
199 originations
Whitley County
190 originations
Calloway County
186 originations
Muhlenberg County
180 originations
Lincoln County
172 originations
Grayson County
165 originations
Hart County
164 originations
Garrard County
163 originations
Floyd County
157 originations
Henry County
154 originations
Bourbon County
145 originations
Breckinridge County
145 originations
Ohio County
143 originations
Harrison County
138 originations
Marion County
137 originations
Taylor County
135 originations
Carter County
135 originations
Trigg County
126 originations
Edmonson County
125 originations
Pendleton County
124 originations
Knox County
122 originations
Johnson County
112 originations
Rowan County
112 originations
Mason County
103 originations
Fleming County
101 originations
Butler County
100 originations
See Kentucky closing cost details, fee benchmarks, and county comparisons → Kentucky Closing Costs Guide
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.