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Lowest closing cost mortgage lenders in Jefferson County County, Kentucky

In Jefferson County, Kentucky, homebuyers paid a median of $4,740 in closing costs in 2024 — below the Kentucky median of $4,996. The county saw 7,886 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $801, which is $3,305 less than the county median.

Homebuyers in Jefferson County County who chose PULTE MORTGAGE LLC paid $3,939 less in closing costs than the county median.

County Median Costs

$4,740

−5.1% vs Kentucky ($4,996)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$1,741

Purchase Originations

7,886

vs Kentucky Median

5.1% below

$-256

vs National Median

29.7% below

$-2,001

Lender rankings in Jefferson County County

76 lenders with 10+ originations, ranked by median total loan costs.

RankLenderMedian Total Costs ↑Median Rate ↕Median Origination ↕Volume ↕vs. Median
1$8015.625%$067−$3,305
2$1,5506.058%$20018−$2,556
3$1,9897.000%$25021−$2,117
4$2,4747.000%$40075−$1,632
5$2,5426.875%$022−$1,564
6$2,7566.250%$67018−$1,350
7$2,7706.625%$79918−$1,336
8$2,8515.875%$52517−$1,255
9$2,9036.750%$25010−$1,203
10$2,9805.750%$66048−$1,126
11$2,9956.822%$56914−$1,111
12$2,9966.812%$97574−$1,110
13$3,1296.500%$885177−$977
14$3,1336.812%$94510−$973
15$3,1766.695%$795288−$930
16$3,2206.125%$90047−$886
17$3,3806.625%$1,04419−$726
18$3,4376.875%$1,156169−$669
19$3,4386.625%$1,67538−$668
20$3,4396.624%$1,32038−$667
21$3,5856.625%$1,63418−$521
22$3,6386.875%$99513−$468
23$3,6716.990%$1,12010−$435
24$3,7547.000%$1,646257−$352
25$3,7576.990%$1,25818−$349
26$3,7686.500%$1,23599−$338
27$3,8116.625%$1,515178−$295
28$3,8136.625%$1,391163−$293
29$3,8336.537%$1,79518−$273
30$3,8926.938%$1,41550−$214
31$3,9076.625%$1,51384−$199
32$3,9116.625%$1,39525−$195
33$3,9706.625%$1,295103−$136
34$3,9916.625%$1,125103−$115
35$4,0376.000%$1,01622−$69
36$4,0716.875%$1,79812−$35
37$4,0856.750%$1,71816−$21
38$4,0936.990%$2,080130−$13
39$4,1086.875%$1,59941+$2
40$4,1116.490%$1,752162+$5
41$4,1247.000%$1,52475+$18
42$4,1676.875%$1,74649+$61
43$4,2706.625%$2,015217+$164
44$4,2906.990%$2,06024+$184
45$4,3206.625%$2,17317+$214
46$4,4166.995%$1,63016+$310
47$4,4726.990%$1,70434+$366
48$4,4936.875%$1,897130+$387
49$4,5007.186%$2,28414+$394
50$4,5996.375%$2,32322+$493
51$4,6536.875%$1,48416+$547
52$4,7016.500%$1,49555+$595
53$4,7217.125%$2,404896+$615
54$4,9266.990%$2,190103+$820
55$5,0036.812%$2,69710+$897
56$5,0616.875%$2,25224+$955
57$5,1096.990%$2,648150+$1,003
58$5,1557.125%$2,46836+$1,049
59$5,1686.500%$2,834319+$1,062
60$5,2236.495%$2,50248+$1,117
61$5,4006.875%$3,072241+$1,294
62$5,7127.058%$3,43310+$1,606
63$5,9156.990%$1,29530+$1,809
64$6,1066.125%$2,55311+$2,000
65$6,2716.990%$3,65045+$2,165
66$6,2776.990%$3,52411+$2,171
67$7,2116.625%$4,66122+$3,105
68$7,5956.999%$5,10024+$3,489
69$8,1826.875%$6,19810+$4,076
70$8,29710.178%$6,47426+$4,191

Includes lenders with 10+ purchase originations in Jefferson 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.