Kentucky Mortgage and Refinance Rates

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Current Kentucky Mortgage Rates

Average market rates for May 24, 2024 in Kentucky are 7.09% for 30-year fixed purchase and 7.17% for 30-year fixed refinance

ProductRateAPR
30-year Fixed Purchase7.09%7.12%
30-year Fixed Refinance7.17%7.20%
Rates based on market averages as of May 24, 2024.
ProductRateAPR
30-year Fixed Purchase7.09%7.12%
30-year Fixed Refinance7.17%7.20%
Rates based on market averages as of May 24, 2024.

Kentucky Purchase Rates

ProductRateAPR
15-year Fixed Purchase6.28%6.33%
15-year Fixed Jumbo Purchase6.69%6.71%
30-year Fixed Purchase7.09%7.12%
30-year Fixed Jumbo Purchase7.31%7.34%
Rates based on market averages as of May 24, 2024.

Kentucky Refinance Rates

ProductRateAPR
15-year Fixed Refinance6.28%6.33%
15-year Fixed Jumbo Refinance6.70%6.72%
30-year Fixed Refinance7.17%7.20%
30-year Fixed Jumbo Refinance7.28%7.31%
Rates based on market averages as of May 24, 2024.

Kentucky ARM Rates

ProductRateAPR
5/6 Arm (purchase)7.48%7.51%
5/6 Arm (refinance)7.58%7.62%
5/6 Jumbo Arm (purchase)6.93%6.94%
5/6 Jumbo Arm (refinance)6.99%6.99%
Rates based on market averages as of May 24, 2024.

How we source rates and rate trends

Most Common Mortgage Types in Kentucky

  • Conventional: 34,446 loans
  • FHA: 9,822 loans
  • VA: 4,906 loans
  • USDA: 2,122 loans

Top Purchase Lenders in Kentucky by Volume

  • Stockton Mortgage Corporation: 1,969 loans
  • Rocket Mortgage, LLC: 1,702 loans
  • Mortgage Research Center, LLC: 1,542 loans
  • U.S. Bank: 1,222 loans
  • Evansville Teachers: 1,206 loans
  • Fairway Independent Mortgage Corporation: 1,202 loans
  • American Mortgage Service Company: 989 loans
  • Republic Bank & Trust Company: 883 loans
  • Northpointe Bank: 879 loans
  • Ruoff Mortgage Company, Inc.: 869 loans

Top Refinance Lenders in Kentucky by Volume

  • Fifth Third Bank: 1,821 loans
  • PNC Bank: 1,005 loans
  • U.S. Bank: 874 loans
  • L & N Federal Credit Union: 697 loans
  • Rocket Mortgage, LLC: 508 loans
  • University Of Kentucky: 451 loans
  • Community Trust Bank, Inc.: 435 loans
  • Stock Yards Bank & Trust Company: 322 loans
  • Central Bank & Trust Company: 308 loans
  • Guardian Savings Bank, A Federal Savings Bank: 291 loans

Top Cash-Out Refinance Lenders in Kentucky by Volume

  • Rocket Mortgage, LLC: 3,022 loans
  • Nationstar Mortgage LLC: 548 loans
  • Evansville Teachers: 545 loans
  • Freedom Mortgage Corporation: 527 loans
  • Loandepot.com, LLC: 428 loans
  • Republic Bank & Trust Company: 410 loans
  • Amerisave Mortgage Corporation: 386 loans
  • Guardian Savings Bank, A Federal Savings Bank: 354 loans
  • Wells Fargo Bank: 318 loans
  • Pennymac Loan Services, LLC: 310 loans

How we source lender data

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