Lowest closing cost mortgage lenders in Shelby County County, Kentucky
In Shelby County, Kentucky, homebuyers paid a median of $5,402 in closing costs in 2024 — above the Kentucky median of $4,996. The county saw 502 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $853, which is $3,206 less than the county median.
Homebuyers in Shelby County County who chose PULTE MORTGAGE LLC paid $4,549 less in closing costs than the county median.
County Median Costs
$5,402
+8.1% vs Kentucky ($4,996)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,495
Purchase Originations
502
vs Kentucky Median
8.1% above
$406
vs National Median
19.9% below
$-1,339
Lender rankings in Shelby County County
12 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $853 | 5.250% | $0 | 16 | −$3,206 | |
| 2 | $2,775 | 5.812% | $660 | 24 | −$1,284 | |
| 3 | $3,067 | 6.875% | $795 | 11 | −$992 | |
| 4 | $3,095 | 6.750% | $871 | 13 | −$964 | |
| 5 | $4,033 | 6.625% | $1,105 | 12 | −$26 | |
| 6 | $4,255 | 6.875% | $2,250 | 15 | +$196 | |
| 7 | $4,299 | 6.750% | $1,933 | 10 | +$240 | |
| 8 | $4,414 | 6.995% | $2,382 | 20 | +$355 | |
| 9 | $7,445 | 6.990% | $5,018 | 13 | +$3,386 | |
| 10 | $8,319 | 7.125% | $5,970 | 12 | +$4,260 |
Includes lenders with 10+ purchase originations in Shelby 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.