Homebuyers in Scott County County who chose Guardian Savings Bank paid $3,769 less in closing costs than the county median.
County Median Costs
$5,199
+3.8% vs Kentucky ($5,007)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,590
Purchase Originations
848
Denial Rate
7.4%
vs Kentucky avg (15.1%)
vs Kentucky Median
3.8% above
$192
vs National Median
22.2% below
$-1,481
20 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,430 | 6.625% | $500 | 21 | −$2,800 | |
| 2 | $2,674 | 6.500% | $1,482 | 13 | −$1,555 | |
| 3 | $2,809 | 6.375% | $569 | 27 | −$1,420 | |
| 4 | $2,946 | 6.000% | $900 | 18 | −$1,283 | |
| 5 | $3,224 | 6.125% | $670 | 14 | −$1,005 | |
| 6 | $3,639 | 6.562% | $995 | 14 | −$590 | |
| 7 | $3,710 | 6.750% | $1,495 | 37 | −$519 | |
| 8 | $4,106 | 6.500% | $1,205 | 14 | −$123 | |
| 9 | $4,253 | 6.562% | $1,411 | 12 | +$24 | |
| 10 | $4,276 | 6.990% | $1,245 | 10 | +$47 | |
| 11 | $4,389 | 6.250% | $1,781 | 12 | +$160 | |
| 12 | $4,713 | 6.625% | $1,557 | 18 | +$484 | |
| 13 | $4,745 | 6.500% | $1,654 | 31 | +$516 | |
| 14 | $4,794 | 6.812% | $1,963 | 10 | +$565 | |
| 15 | $5,020 | 6.500% | $1,868 | 15 | +$791 | |
| 16 | $5,210 | 6.750% | $2,507 | 13 | +$981 | |
| 17 | $5,260 | 6.500% | $2,974 | 69 | +$1,031 | |
| 18 | $10,221 | 7.062% | $7,875 | 10 | +$5,992 |
Includes lenders with 10+ purchase originations in Scott 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
Found your lender? Make sure their quote is fair.
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.