Lowest closing cost mortgage lenders in Scott County County, Kentucky
In Scott County, Kentucky, homebuyers paid a median of $5,900 in closing costs in 2024 — above the Kentucky median of $4,996. The county saw 753 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Guardian Savings Bank offered the lowest median costs at $1,482, which is $2,736 less than the county median.
Homebuyers in Scott County County who chose Guardian Savings Bank paid $4,418 less in closing costs than the county median.
County Median Costs
$5,900
+18.1% vs Kentucky ($4,996)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,110
Purchase Originations
753
vs Kentucky Median
18.1% above
$904
vs National Median
12.5% below
$-841
Lender rankings in Scott 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 | $1,482 | 6.875% | $500 | 17 | −$2,736 | |
| 2 | $2,554 | 6.500% | $569 | 16 | −$1,664 | |
| 3 | $2,733 | 6.500% | $980 | 10 | −$1,485 | |
| 4 | $2,923 | 6.438% | $825 | 20 | −$1,295 | |
| 5 | $3,083 | 6.125% | $650 | 15 | −$1,135 | |
| 6 | $3,369 | 6.875% | $995 | 11 | −$849 | |
| 7 | $3,536 | 6.625% | $1,482 | 13 | −$682 | |
| 8 | $3,567 | 7.125% | $1,495 | 33 | −$651 | |
| 9 | $3,729 | 6.625% | $1,105 | 11 | −$489 | |
| 10 | $4,236 | 6.870% | $1,308 | 14 | +$18 | |
| 11 | $4,702 | 6.625% | $2,504 | 61 | +$484 | |
| 12 | $5,709 | 6.500% | $3,841 | 28 | +$1,491 | |
| 13 | $6,879 | 6.812% | $4,190 | 12 | +$2,661 | |
| 14 | $9,759 | 7.125% | $7,800 | 11 | +$5,541 |
Includes lenders with 10+ purchase originations in Scott 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.