Sort By:
Home Mortgage Loan Ratesin Kentucky
Planning on purchasing a new home? 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: 12/17/2025)
Veterans: Get Qualified for $0 Down|
Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
ADVERTISEMENT
| Veterans: Get the most from your VA benefits & budget | View Details Sponsored
|
|||||
|
5.710% APR | 5.500% Rate 30 day rate lock | $1,817 Payment per month |
1.000 Points$3,200 Points Fee
|
$7,545 Total Fees$4,345 Lender Fees
|
30 Years Fixed | |
|
5.741% APR | 5.625% Rate 30 day rate lock | $1,843 Payment per month |
0.463 Points$1,482 Points Fee
|
$4,149 Total Fees$2,667 Lender Fees
|
30 Years Fixed | |
|
5.846% APR | 5.750% Rate 30 day rate lock | $1,868 Payment per month |
0.671 Points$2,147 Points Fee
|
$3,342 Total Fees$1,195 Lender Fees
|
30 Years Fixed | |
|
5.871% APR | 5.750% Rate 30 day rate lock | $1,868 Payment per month |
0.736 Points$2,355 Points Fee
|
$4,243 Total Fees$1,888 Lender Fees
|
30 Years Fixed | |
|
5.933% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.628 Points$2,010 Points Fee
|
$2,010 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
5.954% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.858 Points$2,746 Points Fee
|
$2,746 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
5.973% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.437 Points$1,398 Points Fee
|
$3,398 Total Fees$2,000 Lender Fees
|
30 Years Fixed | |
|
6.108% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.900 Points$2,880 Points Fee
|
$4,055 Total Fees$1,175 Lender Fees
|
30 Years Fixed | |
|
6.114% APR | 6.000% Rate 30 day rate lock | $1,919 Payment per month |
0.855 Points$2,736 Points Fee
|
$4,064 Total Fees$1,328 Lender Fees
|
30 Years Fixed | |
|
6.128% APR | 6.000% Rate 45 day rate lock | $1,919 Payment per month |
0.750 Points$2,400 Points Fee
|
$4,395 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.215% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.961 Points$3,075 Points Fee
|
$3,075 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.220% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.795 Points$2,544 Points Fee
|
$3,244 Total Fees$700 Lender Fees
|
30 Years Fixed | |
ADVERTISEMENT
| As low as 0% down payment in Kentucky | ||||||
ADVERTISEMENT
| Get home in 2026 with a 0% down VA Loan | ||||||
PENNYMAC |
5.830% APR | 5.750% Rate 30 day rate lock | $1,868 Payment per month |
0.873 Points$2,794 Points Fee
|
$2,794 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.
Kentucky Cities Resource
Choose your city below to view local mortgage lenders in your area: