Lowest closing cost mortgage lenders in Fayette County County, Kentucky
In Fayette County, Kentucky, homebuyers paid a median of $4,514 in closing costs in 2024 — below the Kentucky median of $4,996. The county saw 2,490 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Bank of America, National Association offered the lowest median costs at $1,143, which is $2,858 less than the county median.
Homebuyers in Fayette County County who chose Bank of America, National Association paid $3,371 less in closing costs than the county median.
County Median Costs
$4,514
−9.7% vs Kentucky ($4,996)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,580
Purchase Originations
2,490
vs Kentucky Median
9.7% below
$-482
vs National Median
33.0% below
$-2,227
Lender rankings in Fayette County County
42 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,143 | 6.125% | $460 | 21 | −$2,858 | |
| 2 | $1,572 | 6.875% | $500 | 129 | −$2,430 | |
| 3 | $1,848 | 6.500% | $600 | 15 | −$2,153 | |
| 4 | $2,482 | 6.312% | $650 | 26 | −$1,519 | |
| 5 | $2,738 | 6.562% | $569 | 142 | −$1,263 | |
| 6 | $2,744 | 6.490% | $825 | 20 | −$1,257 | |
| 7 | $2,891 | 6.125% | $670 | 21 | −$1,110 | |
| 8 | $3,184 | 6.688% | $983 | 22 | −$817 | |
| 9 | $3,341 | 6.500% | $395 | 52 | −$660 | |
| 10 | $3,361 | 6.250% | $1,092 | 15 | −$640 | |
| 11 | $3,367 | 6.875% | $1,195 | 13 | −$634 | |
| 12 | $3,422 | 6.500% | $1,260 | 104 | −$579 | |
| 13 | $3,717 | 6.562% | $995 | 36 | −$284 | |
| 14 | $3,742 | 6.625% | $1,105 | 61 | −$259 | |
| 15 | $3,769 | 6.375% | $1,253 | 19 | −$232 | |
| 16 | $3,866 | 6.250% | $900 | 18 | −$135 | |
| 17 | $3,880 | 6.990% | $1,495 | 110 | −$121 | |
| 18 | $4,150 | 6.688% | $1,590 | 22 | +$149 | |
| 19 | $4,173 | 6.600% | $1,250 | 11 | +$172 | |
| 20 | $4,202 | 6.240% | $975 | 13 | +$201 | |
| 21 | $4,253 | 6.875% | $2,180 | 29 | +$252 | |
| 22 | $4,269 | 6.562% | $1,295 | 56 | +$268 | |
| 23 | $4,283 | 7.125% | $1,966 | 20 | +$282 | |
| 24 | $4,301 | 6.750% | $1,455 | 10 | +$300 | |
| 25 | $4,429 | 6.875% | $2,167 | 29 | +$428 | |
| 26 | $4,431 | 7.000% | $1,715 | 10 | +$430 | |
| 27 | $4,448 | 6.490% | $2,005 | 18 | +$447 | |
| 28 | $4,572 | 6.875% | $1,252 | 21 | +$571 | |
| 29 | $4,743 | 6.500% | $2,416 | 72 | +$742 | |
| 30 | $4,906 | 6.625% | $2,577 | 123 | +$904 | |
| 31 | $4,912 | 6.624% | $2,315 | 17 | +$911 | |
| 32 | $4,914 | 6.625% | $1,695 | 21 | +$913 | |
| 33 | $5,014 | 6.500% | $2,946 | 20 | +$1,013 | |
| 34 | $5,015 | 6.500% | $2,859 | 96 | +$1,014 | |
| 35 | $5,196 | 6.625% | $2,721 | 17 | +$1,195 | |
| 36 | $5,577 | 6.875% | $3,024 | 56 | +$1,576 | |
| 37 | $6,084 | 6.875% | $3,214 | 39 | +$2,083 | |
| 38 | $6,946 | 6.990% | $4,256 | 12 | +$2,945 | |
| 39 | $6,979 | 6.625% | $4,594 | 61 | +$2,978 | |
| 40 | $9,506 | 9.183% | $7,306 | 20 | +$5,505 |
Includes lenders with 10+ purchase originations in Fayette County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Kentucky → Lender Directory
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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.