Lowest closing cost mortgage lenders in Madison County County, Kentucky
In Madison County, Kentucky, homebuyers paid a median of $5,128 in closing costs in 2024 — above the Kentucky median of $4,996. The county saw 989 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Whitaker Bank offered the lowest median costs at $2,043, which is $1,866 less than the county median.
Homebuyers in Madison County County who chose Whitaker Bank paid $3,085 less in closing costs than the county median.
County Median Costs
$5,128
+2.6% vs Kentucky ($4,996)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,808
Purchase Originations
989
vs Kentucky Median
2.6% above
$132
vs National Median
23.9% below
$-1,613
Lender rankings in Madison County County
16 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,043 | 6.812% | $512 | 16 | −$1,866 | |
| 2 | $2,609 | 6.375% | $650 | 30 | −$1,300 | |
| 3 | $2,664 | 6.375% | $569 | 18 | −$1,245 | |
| 4 | $3,224 | 6.730% | $795 | 19 | −$685 | |
| 5 | $3,408 | 6.875% | $1,758 | 11 | −$501 | |
| 6 | $3,500 | 6.625% | $1,195 | 27 | −$409 | |
| 7 | $3,582 | 6.750% | $775 | 15 | −$327 | |
| 8 | $3,786 | 6.990% | $1,495 | 40 | −$123 | |
| 9 | $4,300 | 6.688% | $2,113 | 36 | +$391 | |
| 10 | $4,419 | 6.625% | $2,406 | 19 | +$510 | |
| 11 | $4,862 | 6.990% | $3,345 | 23 | +$953 | |
| 12 | $4,899 | 6.625% | $2,694 | 17 | +$990 | |
| 13 | $5,043 | 6.937% | $2,929 | 18 | +$1,134 | |
| 14 | $5,411 | 6.490% | $2,851 | 33 | +$1,502 | |
| 15 | $6,242 | 6.875% | $3,661 | 11 | +$2,333 |
Includes lenders with 10+ purchase originations in Madison 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.