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: 11/18/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.809 Points$2,589 Points Fee
$2,589 Total Fees$0 Lender Fees
 30 Years Fixed
6.122% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.947 Points$3,030 Points Fee
$4,358 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.208% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.522 Points$1,670 Points Fee
$2,845 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.217% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.977 Points$3,126 Points Fee
$3,126 Total Fees$0 Lender Fees
 30 Years Fixed
6.234% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.945 Points$3,024 Points Fee
$3,724 Total Fees$700 Lender Fees
 30 Years Fixed
0% down payment USDA Loan options
As low as 0% down payment in Kentucky
$0 down payment for Veterans homebuying with a VA Loan
Numbers you can trust
5.942% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.729 Points$2,333 Points Fee
$2,333 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
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.
Family moving in

Kentucky Cities Resource

Choose your city below to view local mortgage lenders in your area: