Who has the best mortgage rates in Kentucky?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders with low rates in KY
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
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Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in KY likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 43 lenders and found that these lenders are likely to offer you a high rate.
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Lenders with average rates in KY
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights

TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
In Kentucky, the housing market is looking pretty appealing right now
Interest rates are gradually improving as we move through 2024 and into 2025. For homebuyers, lower rates mean more affordable monthly mortgage payments—welcome news if you’re planning to settle down in the Bluegrass State.
Kentucky offers a wide range of real estate options, whether you’re interested in vibrant city life or a quieter, rural setting. Cities like Louisville and Lexington are popular for their strong communities, growing job markets, and variety of cultural activities. While these areas can be competitive, home prices remain significantly more affordable compared to many other parts of the country. And if you’re looking to stretch your budget even further, smaller towns and rural areas offer charming homes, larger lots, and a more relaxed pace of life—all surrounded by Kentucky’s signature rolling hills and horse country charm.
First-time homebuyers will also find support in Kentucky through various assistance programs. These may include help with down payments or favorable loan options, making it easier to take that first step toward homeownership.
From scenic countryside views to a rich cultural heritage and renowned bourbon distilleries, Kentucky offers a unique blend of tradition and lifestyle. Whether you’re drawn to the energy of the city or the peace of rural living, there’s something here for everyone. With improving interest rates and a variety of affordable housing options, now is a great time to begin your home search in the Bluegrass State.