Lowest closing cost mortgage lenders in Whitley County County, Kentucky
In Whitley County, Kentucky, homebuyers paid a median of $5,173 in closing costs in 2024 — above the Kentucky median of $4,996. The county saw 190 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, L & N Federal Credit Union offered the lowest median costs at $2,185, which is $1,276 less than the county median.
Homebuyers in Whitley County County who chose L & N Federal Credit Union paid $2,988 less in closing costs than the county median.
County Median Costs
$5,173
+3.5% vs Kentucky ($4,996)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,623
Purchase Originations
190
vs Kentucky Median
3.5% above
$177
vs National Median
23.3% below
$-1,568
Lender rankings in Whitley County County
3 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,185 | 7.000% | $400 | 15 | −$1,276 | |
| 2 | $2,610 | 6.625% | $875 | 30 | −$851 |
Includes lenders with 10+ purchase originations in Whitley 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.