Lowest closing cost mortgage lenders in Laurel County County, Kentucky
In Laurel County, Kentucky, homebuyers paid a median of $5,245 in closing costs in 2024 — above the Kentucky median of $4,996. The county saw 427 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, ZIPPY LOANS, LLC offered the lowest median costs at $1,887, which is $1,283 less than the county median.
Homebuyers in Laurel County County who chose ZIPPY LOANS, LLC paid $3,358 less in closing costs than the county median.
County Median Costs
$5,245
+5.0% vs Kentucky ($4,996)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,666
Purchase Originations
427
vs Kentucky Median
5.0% above
$249
vs National Median
22.2% below
$-1,496
Lender rankings in Laurel County County
9 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,887 | 11.450% | $865 | 16 | −$1,283 | |
| 2 | $2,169 | 7.125% | $400 | 33 | −$1,001 | |
| 3 | $2,426 | 6.500% | $650 | 28 | −$744 | |
| 4 | $5,965 | 6.438% | $3,790 | 12 | +$2,795 | |
| 5 | $6,029 | 8.500% | $3,597 | 17 | +$2,859 |
Includes lenders with 10+ purchase originations in Laurel 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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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 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.