Homebuyers in Jessamine County County who chose Guardian Savings Bank paid $3,419 less in closing costs than the county median.
County Median Costs
$4,809
−4.0% vs Kentucky ($5,007)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,500
Purchase Originations
521
Denial Rate
6.4%
vs Kentucky avg (15.1%)
vs Kentucky Median
4.0% below
$-198
vs National Median
28.0% below
$-1,871
10 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,390 | 6.625% | $500 | 27 | −$2,696 | |
| 2 | $2,361 | 6.290% | $600 | 12 | −$1,725 | |
| 3 | $3,016 | 6.562% | $569 | 26 | −$1,070 | |
| 4 | $3,615 | 6.875% | $1,495 | 17 | −$471 | |
| 5 | $3,828 | 6.370% | $1,367 | 14 | −$258 | |
| 6 | $4,049 | 6.375% | $2,439 | 15 | −$37 | |
| 7 | $4,229 | 6.688% | $1,695 | 10 | +$143 | |
| 8 | $4,831 | 6.933% | $2,000 | 10 | +$745 | |
| 9 | $5,578 | 6.500% | $2,655 | 31 | +$1,492 | |
| 10 | $5,649 | 6.590% | $2,851 | 13 | +$1,563 |
Includes lenders with 10+ purchase originations in Jessamine 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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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.