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Home Refinance Loan Ratesin Kentucky
Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.
(Last Updated: 07/16/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Lower your monthly mortgage payment with a streamlined refinance | View Details Sponsored
|
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|
6.335% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.608 Points$1,946 Points Fee
|
$2,996 Total Fees$1,050 Lender Fees
|
30 Years Fixed | |
|
6.438% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.661 Points$2,115 Points Fee
|
$2,115 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.452% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.813 Points$2,602 Points Fee
|
$2,602 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.459% APR | 6.374% Rate 30 day rate lock | $1,997 Payment per month |
0.546 Points$1,747 Points Fee
|
$2,842 Total Fees$1,095 Lender Fees
|
30 Years Fixed | |
|
6.460% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.578 Points$1,850 Points Fee
|
$3,086 Total Fees$1,236 Lender Fees
|
30 Years Fixed | |
|
6.461% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.901 Points$2,883 Points Fee
|
$2,883 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.485% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.366 Points$1,171 Points Fee
|
$7,971 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.532% APR | 6.490% Rate 35 day rate lock | $2,021 Payment per month |
0.000 Points$0 Points Fee
|
$1,395 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.608% APR | 6.500% Rate 45 day rate lock | $2,023 Payment per month |
0.500 Points$1,600 Points Fee
|
$3,595 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
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| Low rates, quick quote & approval | ||||||
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| Refinance to lower your rate | ||||||
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| Refi from your sofa. It’s surprisingly simple. | ||||||
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| Discover multiple refinance options | ||||||
PENNYMAC |
6.331% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.858 Points$2,746 Points Fee
|
$2,746 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
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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