Kentucky Mortgage Rates and Refinance Rates

Kentucky Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Kentucky. Our rate table has a list of Kentucky mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Kentucky you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Kentucky include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Kentucky listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 40601, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,754
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,748
Thank you for your inquiry, we will be in touch shortly. 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MC99297
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $1,356
Thank you for your inquiry, we will be in touch shortly. 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC 72177
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MC99297
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MC99297
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $481
Thank you for your inquiry, we will be in touch shortly. 
 
Flagstar Bank Logo
NMLS # 417490
(877) 808-7051
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $744
Thank you for your inquiry! 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $356
Thank you for your inquiry! 
 
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.875 pts
45 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,556
Thank you for your inquiry! 
 
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.456 pts
30 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
Raymond James Bank, NA
4.305%
10/10/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $1,299
 
 
Cumberland Valley National Bank & Trust Company
4.293%
10/10/2017
4.250%
at 0.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,025
 
 
South Central Bank, Inc.
3.768%
10/16/2017
3.750%
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: $444
 
 
Citizens Bank & Trust Company
4.140%
10/13/2017
4.125%
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $349
 
 
Regions Bank
4.290%
10/13/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $950
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Kentucky Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Kentucky. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Kentucky mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Kentucky mortgage loans that have been made. As a result, Kentucky mortgage rates today are lower than jumbo interest rates in Kentucky. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Kentucky Super Conforming Home Loan Rates

Super conforming mortgages in Kentucky are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Kentucky Jumbo Loan Interest Rates

Kentucky jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Kentucky are usually 0.75 basis points higher than conforming mortgage rates in Kentucky because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Kentucky Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Kentucky. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Kentucky Adjustable Interest Rates

Kentucky adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Kentucky Interest Only Home Mortgage Rates

Kentucky interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Kentucky FHA Mortgage Mortgage Rates

Borrowers in Kentucky must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Kentucky are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Kentucky Rates & Resources


Cities in Kentucky

Aberdeen

Adairville

Adams

Adolphus

Ages Brookside

Albany

Alexandria

Allegre

Allen

Allensville

Almo

Alpha

Alvaton

Annville

Argillite

Arjay

Arlington

Artemus

Ary

Ashcamp

Asher

Ashland

Athol

Auburn

Augusta

Austin

Auxier

Avawam

Bagdad

Bakerton

Bandana

Banner

Barbourville

Bardstown

Bardwell

Barlow

Baskett

Battletown

Baxter

Bays

Bear Branch

Beattyville

Beaumont

Beauty

Beaver

Beaver Dam

Bedford

Bee Spring

Beech Creek

Beech Grove

Beechmont

Belcher

Belfry

Bellevue

Belton

Benham

Benton

Berea

Berry

Bethany

Bethelridge

Bethlehem

Betsy Layne

Beverly

Bevinsville

Big Clifty

Big Creek

Big Laurel

Big Spring

Bighill

Bimble

Blackey

Blackford

Blaine

Bledsoe

Bloomfield

Blue River

Boaz

Bonnieville

Bonnyman

Booneville

Boons Camp

Boston

Bowling Green

Bradfordsville

Brandenburg

Breeding

Bremen

Brodhead

Bronston

Brooklyn

Brooks

Brooksville

Browder

Brownsville

Bryants Store

Bryantsville

Buckhorn

Buckner

Buffalo

Bulan

Burdine

Burgin

Burkesville

Burlington

Burna

Burnside

Bush

Busy

Butler

Bypro

Cadiz

Calhoun

California

Calvert City

Calvin

Camp Dix

Campbellsburg

Campbellsville

Campton

Canada

Cane Valley

Caneyville

Canmer

Cannel City

Cannon

Carlisle

Carrie

Carrollton

Carter

Catlettsburg

Cave City

Cawood

Cecilia

Center

Centertown

Central City

Cerulean

Chaplin

Chappell

Chavies

Cisco

Clarkson

Clay

Clay City

Clayhole

Clearfield

Cleaton

Clermont

Clifty

Clinton

Closplint

Cloverport

Coalgood

Coldiron

Columbia

Columbus

Combs

Confluence

Corbin

Corinth

Cornettsville

Corydon

Covington

Coxs Creek

Crab Orchard

Cranks

Crayne

Crestwood

Crittenden

Crockett

Crofton

Cromona

Cromwell

Cub Run

Cumberland

Cunningham

Curdsville

Custer

Cynthiana

Dabolt

Dana

Danville

David

Dawson Springs

Dayhoit

Dayton

De Mossville

Deane

Debord

Delphia

Dema

Denniston

Denton

Denver

Dewitt

Dexter

Dice

Dixon

Dorton

Dover

Drake

Drakesboro

Drift

Dry Ridge

Dubre

Dunbar

Dundee

Dunmor

Dunnville

Dwale

Dwarf

Dycusburg

Earlington

East Bernstadt

East Point

Eastern

Eastview

Eastwood

Eddyville

Edmonton

Edna

Eighty Eight

Ekron

Elizabethtown

Elizaville

Elk Horn

Elkfork

Elkhorn City

Elkton

Elliottville

Elsie

Emerson

Eminence

Emlyn

Emmalena

Eolia

Eriline

Erlanger

Ermine

Essie

Etoile

Eubank

Evarts

Ewing

Ezel

Fairdale

Fairfield

Fairplay

Fairview

Falcon

Fall Rock

Falls Of Rough

Falmouth

Fancy Farm

Farmers

Farmington

Fedscreek

Ferguson

Finchville

Firebrick

Fisherville

Fisty

Flat Lick

Flatgap

Flatwoods

Flemingsburg

Florence

Ford

Fords Branch

Fordsville

Forest Hills

Fort Campbell

Fort Knox

Fort Mitchell

Fort Thomas

Foster

Fountain Run

Fourmile

Frakes

Frankfort

Franklin

Fredonia

Freeburn

Frenchburg

Ft Mitchell

Fulton

Gamaliel

Gapville

Garfield

Garner

Garrard

Garrett

Garrison

Gays Creek

Georgetown

Germantown

Ghent

Gilbertsville

Girdler

Glasgow

Glencoe

Glendale

Glens Fork

Glenview

Goose Rock

Gordon

Goshen

Gracey

Gradyville

Graham

Grahn

Grand Rivers

Gravel Switch

Gray

Gray Hawk

Grays Knob

Grayson

Green Road

Greensburg

Greenup

Greenville

Grethel

Gulston

Gunlock

Guston

Guthrie

Hadley

Hagerhill

Haldeman

Halfway

Hallie

Hamlin

Hampton

Hanson

Happy

Hardburly

Hardin

Hardinsburg

Hardy

Hardyville

Harlan

Harned

Harold

Harrods Creek

Harrodsburg

Hartford

Hawesville

Hazard

Hazel

Hazel Green

Hebron

Heidelberg

Heidrick

Hellier

Helton

Henderson

Herndon

Hestand

Hi Hat

Hickman

Hickory

Hillsboro

Hima

Hindman

Hinkle

Hiseville

Hitchins

Hodgenville

Holland

Holmes Mill

Hope

Hopkinsville

Horse Branch

Horse Cave

Hoskinston

Huddy

Hudson

Hueysville

Hulen

Huntsville

Hustonville

Hyden

Independence

Inez

Ingram

Irvine

Irvington

Island

Island City

Isom

Isonville

Ivel

Ivyton

Jackhorn

Jackson

Jacobs

Jamestown

Jeff

Jeffersonville

Jenkins

Jeremiah

Jetson

Jonancy

Jonesville

Junction City

Keaton

Keavy

Keene

Kenton

Kenvir

Kettle Island

Kevil

Kimper

Kings Mountain

Kirksey

Kite

Knifley

Knob Lick

Krypton

Kuttawa

La Center

La Fayette

La Grange

Lackey

Lancaster

Langley

Latonia

Lawrenceburg

Leander

Lebanon

Lebanon Junction

Leburn

Ledbetter

Lee City

Leitchfield

Lejunior

Lerose

Letcher

Lewisburg

Lewisport

Lexington

Liberty

Lick Creek

Lily

Lindseyville

Linefork

Littcarr

Livermore

Livingston

Lloyd

Lockport

London

Lone

Lookout

Loretto

Lost Creek

Louisa

Louisville

Lovelaceville

Lovely

Lowes

Lowmansville

Loyall

Lucas

Lynch

Lynnville

Maceo

Mackville

Madisonville

Magnolia

Majestic

Mallie

Malone

Mammoth Cave

Manchester

Manitou

Mannsville

Maple Mount

Marion

Marrowbone

Marshes Siding

Martha

Martin

Mary Alice

Marydell

Mason

Masonic Home

Mayfield

Mayking

Mayslick

Maysville

Mazie

McAndrews

McCarr

McDaniels

McDowell

McHenry

McKee

McKinney

McQuady

McRoberts

McVeigh

Meally

Means

Melber

Melbourne

Melvin

Middleburg

Middlesboro

Middlesborough

Midway

Milburn

Milford

Mill Springs

Millersburg

Millstone

Milltown

Millwood

Milton

Minerva

Minnie

Miracle

Mistletoe

Mitchellsburg

Mize

Monticello

Moorefield

Morehead

Morganfield

Morgantown

Morning View

Mortons Gap

Mount Eden

Mount Hermon

Mount Olivet

Mount Sherman

Mount Sterling

Mount Vernon

Mount Washington

Mousie

Mouthcard

Mozelle

Muldraugh

Munfordville

Murray

Muses Mills

Myra

Nancy

Nazareth

Nebo

Neon

Nerinx

Nevisdale

New Castle

New Concord

New Haven

New Hope

New Liberty

Newport

Nicholasville

North Middletown

Nortonville

Oak Grove

Oakland

Oil Springs

Olaton

Olive Hill

Olmstead

Olympia

Oneida

Ophir

Orlando

Owensboro

Owenton

Owingsville

Paducah

Paint Lick

Paintsville

Paris

Park City

Parkers Lake

Parksville

Partridge

Pathfork

Payneville

Pellville

Pembroke

Pendleton

Penrod

Peoples

Perry Park

Perryville

Petersburg

Pewee Valley

Phelps

Philpot

Phyllis

Pikeville

Pilgrim

Pine Knot

Pine Ridge

Pine Top

Pineville

Pinsonfork

Pippa Passes

Pittsburg

Pleasureville

Plummers Landing

Poole

Port Royal

Powderly

Premium

Preston

Prestonsburg

Primrose

Princeton

Printer

Prospect

Providence

Provo

Putney

Quincy

Raccoon

Radcliff

Ransom

Raven

Ravenna

Raywick

Redfox

Reed

Regina

Renfro Valley

Revelo

Reynolds Station

Rhodelia

Ricetown

Richardsville

Richmond

Rineyville

River

Roark

Robards

Robinson Creek

Rochester

Rockfield

Rockholds

Rockhouse

Rockport

Rocky Hill

Rogers

Rosine

Roundhill

Rousseau

Rowdy

Roxana

Royalton

Rumsey

Rush

Russell

Russell Springs

Russellville

Sacramento

Sadieville

Saint Catharine

Saint Charles

Saint Francis

Saint Helens

Saint Mary

Saint Paul

Salem

Salt Lick

Salvisa

Salyersville

Sanders

Sandgap

Sandy Hook

Sassafras

Saul

Scalf

Science Hill

Scottsville

Scuddy

Se Ree

Sebree

Seco

Sedalia

Sextons Creek

Sharon Grove

Sharpsburg

Shelbiana

Shelby Gap

Shelbyville

Shepherdsville

Sidney

Siler

Silver Grove

Simpsonville

Sitka

Sizerock

Slade

Slaughters

Slemp

Smilax

Smith

Smith Mills

Smithfield

Smithland

Smiths Grove

Soldier

Somerset

Sonora

South Carrollton

South Portsmouth

South Shore

South Union

South Williamson

Sparta

Spottsville

Springfield

Staffordsville

Stambaugh

Stamping Ground

Stanford

Stanley

Stanton

Stanville

Stearns

Steele

Stephensport

Stinnett

Stone

Stoney Fork

Stopover

Strunk

Sturgis

Sullivan

Sulphur

Summer Shade

Summersville

Summit

Sweeden

Symsonia

Talbert

Tateville

Taylorsville

Teaberry

Thelma

Thornton

Thousandsticks

Tiline

Tiptonville

Toler

Tollesboro

Tolu

Tomahawk

Tompkinsville

Topmost

Totz

Tram

Trenton

Trosper

Turners Station

Tutor Key

Tyner

Ulysses

Union

Union Star

Uniontown

Upton

Utica

Van Lear

Vanceburg

Vancleve

Varney

Verona

Versailles

Vest

Vicco

Vincent

Vine Grove

Viper

Virgie

Waco

Waddy

Walker

Wallingford

Wallins Creek

Walton

Waneta

Warbranch

Warfield

Warsaw

Washington

Water Valley

Waterview

Waverly

Wayland

Waynesburg

Webbville

Webster

Weeksbury

Welchs Creek

Wellington

Wendover

West Liberty

West Louisville

West Paducah

West Point

West Prestonsburg

West Somerset

West Van Lear

Westport

Westview

Wheatcroft

Wheelwright

Whick

White Mills

White Plains

Whitesburg

Whitesville

Whitley City

Wickliffe

Wildie

Willard

Williamsburg

Williamsport

Williamstown

Willisburg

Wilmore

Winchester

Windsor

Wingo

Winston

Wittensville

Woodbine

Woodburn

Woodbury

Woollum

Wooton

Worthington

Worthville

Wrigley

Yeaddiss

Yerkes

Yosemite

Zoe