Home Mortgage Loan Ratesin Kentucky

Planning on purchasing a new home? FHA Loans offer low down payments, low closing costs, and are easier to qualify in regards to income or credit score. Use ERATE®'s rate chart to compare today's top rates in Kentucky and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 04/03/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.549% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.886 Points$2,835 Points Fee
$9,530 Total Fees$6,695 Lender Fees
 30 Years FixedFHA Loan
6.771% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.487 Points$1,558 Points Fee
$13,358 Total Fees$11,800 Lender Fees
 30 Years FixedFHA Loan
As low as 0% down options & down payment assistance
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
6.606% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.470 Points$1,504 Points Fee
$7,104 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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Kentucky Cities Resource

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