Current Kentucky Mortgage Rates
Average market rates for December 05, 2025 in Kentucky are 6.37% for 30-year fixed purchase and 6.40% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.37% | 6.40% |
| 30-year Fixed Refinance | 6.40% | 6.42% |
Rates based on market averages as of Dec 04, 2025.Mortgage Rate Trends in Kentucky
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.37% | 6.40% |
| 30-year Fixed Refinance | 6.40% | 6.42% |
Rates based on market averages as of Dec 04, 2025.Kentucky Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.44% | 5.48% |
| 15-year Fixed Jumbo Purchase | 5.62% | 5.63% |
| 30-year Fixed Purchase | 6.37% | 6.40% |
| 30-year Fixed Jumbo Purchase | 6.40% | 6.41% |
Rates based on market averages as of Dec 04, 2025.Kentucky Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.42% | 5.46% |
| 15-year Fixed Jumbo Refinance | 5.60% | 5.62% |
| 30-year Fixed Refinance | 6.40% | 6.42% |
| 30-year Fixed Jumbo Refinance | 6.48% | 6.49% |
Rates based on market averages as of Dec 04, 2025.Kentucky ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.06% | 6.09% |
| 5/6 Arm (refinance) | 6.03% | 6.06% |
| 5/6 Jumbo Arm (purchase) | 5.87% | 5.88% |
| 5/6 Jumbo Arm (refinance) | 5.91% | 5.92% |
Rates based on market averages as of Dec 04, 2025.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
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
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
