Homebuyers in Garrard County County who chose Whitaker Bank paid $2,855 less in closing costs than the county median.
County Median Costs
$5,534
+10.5% vs Kentucky ($5,007)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,730
Purchase Originations
196
Denial Rate
11.6%
vs Kentucky avg (15.1%)
vs Kentucky Median
10.5% above
$527
vs National Median
17.2% below
$-1,146
3 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,679 | 6.125% | $915 | 18 | −$1,342 |
Includes lenders with 10+ purchase originations in Garrard County County. Source: HMDA 2025. 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 2025, 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.