Lowest closing cost mortgage lenders in Garrard County County, Kentucky
In Garrard County, Kentucky, homebuyers paid a median of $5,425 in closing costs in 2024 — above the Kentucky median of $4,996. The county saw 163 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Whitaker Bank offered the lowest median costs at $2,271, which is $1,567 less than the county median.
Homebuyers in Garrard County County who chose Whitaker Bank paid $3,154 less in closing costs than the county median.
County Median Costs
$5,425
+8.6% vs Kentucky ($4,996)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$2,254
Purchase Originations
163
vs Kentucky Median
8.6% above
$429
vs National Median
19.5% below
$-1,316
Lender rankings in Garrard County County
2 lenders with 10+ originations, ranked by median total loan costs.
Fewer than 3 qualifying lenders in this county.
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.