Homebuyers in Henderson County County who chose Heritage Federal Credit Union paid $2,061 less in closing costs than the county median.
County Median Costs
$4,900
−2.1% vs Kentucky ($5,007)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,395
Purchase Originations
331
Denial Rate
12.4%
vs Kentucky avg (15.1%)
vs Kentucky Median
2.1% below
$-107
vs National Median
26.6% below
$-1,780
6 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,839 | 6.625% | $649 | 11 | −$909 | |
| 2 | $3,192 | 6.500% | $975 | 11 | −$556 | |
| 3 | $3,497 | 6.500% | $928 | 74 | −$251 | |
| 4 | $3,845 | 6.625% | $1,982 | 15 | +$97 |
Includes lenders with 10+ purchase originations in Henderson 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.