Lowest closing cost mortgage lenders in Spencer County County, Kentucky
In Spencer County, Kentucky, homebuyers paid a median of $5,142 in closing costs in 2024 — above the Kentucky median of $4,996. The county saw 214 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, The Peoples Bank offered the lowest median costs at $2,268, which is $2,348 less than the county median.
Homebuyers in Spencer County County who chose The Peoples Bank paid $2,874 less in closing costs than the county median.
County Median Costs
$5,142
+2.9% vs Kentucky ($4,996)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,841
Purchase Originations
214
vs Kentucky Median
2.9% above
$146
vs National Median
23.7% below
$-1,599
Lender rankings in Spencer County County
4 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,268 | 7.250% | $250 | 11 | −$2,348 | |
| 2 | $5,804 | 6.990% | $3,298 | 13 | +$1,188 | |
| 3 | $6,933 | 6.750% | $5,240 | 14 | +$2,317 | |
| 4 | $7,670 | 6.967% | $4,950 | 11 | +$3,054 |
Includes lenders with 10+ purchase originations in Spencer 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
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 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.