Mortgage Rates Kentucky (KY) for March 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Kentucky. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Kentucky as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Transcend Credit UnionTranscend Credit Union12104 Shelbyville Rd, Lexington, KY, 40202A+5.0 ★Texas Ratio: 0.92% at 6.00%, Rural Cooperatives Credit UnionRural Cooperatives Credit Union13246 State Route 176, Drakesboro, KY, 40223A+5.0 ★Texas Ratio: 1.44% at 5.88%, Citizens Federal S&L AssocCitizens Federal S&L Assoc433 Madison Ave, Covington, KY, 41011A+5.0 ★Texas Ratio: 0.00% at 6.00%, Fortera Federal Credit UnionFortera Federal Credit Union130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609A+5.0 ★Texas Ratio: 5.06% at 6.12%, and TruistTruist100 Main St, Bowling Green, KY, 40069A+5.0 ★Texas Ratio: 3.63% at 6.10%.
Mortgage rates in Kentucky (KY) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Kentucky borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Kentucky Mortgage Rate Trends
Compare local Kentucky mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — KY Avg
6.438%
▲ 0.353 from last week
For buyers in Kentucky, the broader Kentucky 30-year fixed average mortgage rate rose 0.353 points this week to 6.438%, according to MonitorBankRates trend data.
15-Year Fixed — KY Avg
5.817%
▼ 1.954 from last week
For buyers in Kentucky, the broader Kentucky 15-year fixed average mortgage rate fell 1.954 points this week to 5.817%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Kentucky
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY, 40202
30 Year Fixed
30 Year
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
30 Year Fixed - Conforming
5.88%
6.03%
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
30 Year Fixed - Home Ready
5.88%
6.03%
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
433 Madison Ave, Covington, KY, 41011
30 year fixed rate Mortgage Loans
30
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 18, 2026
Details
for Qualified Borrowers
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
Conventional 30 Year Fixed Loan
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Main St, Bowling Green, KY, 40069
30-Year Fixed
360
6.10%
6.26%
▼
Rate6.10%
APR6.26%
Points0.566
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Main St, Bowling Green, KY, 40069
30-Year Fixed
360
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.927
UpdatedMar 15, 2026
Details
No additional details available.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY, 40202
30 Year Fixed
30 Year
5.88%
6.34%
▼
Rate5.88%
APR6.34%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
332 15th St, Ashland, KY, 41101
30-Year Fixed Rate
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.500
UpdatedMar 18, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
101 E Virginia Ave, Lexington, KY, 40517 2065
30-Year Fixed
6.25%
6.37%
▼
Rate6.25%
APR6.37%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY, 42420
30 Year Fixed1
30
6.25%
6.41%
▼
Rate6.25%
APR6.41%
Points1.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
332 15th St, Ashland, KY, 41101
30-Year Fixed Rate
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1012 Bypass N, Burlington, KY, 40065
30-year fixed
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY, 42420
30 Year Fixed1
30
6.50%
6.57%
▼
Rate6.50%
APR6.57%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY, 40202
30 Year Fixed
6.12%
6.85%
▼
Rate6.12%
APR6.85%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY, 40202
15 Year Fixed
15 Year
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
Conventional 15 Year Fixed Loan
5.38%
5.56%
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
15 Year Fixed - Conforming
5.38%
5.63%
▼
Rate5.38%
APR5.63%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Main St, Bowling Green, KY, 40069
15-Year Fixed
180
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points0.902
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Main St, Bowling Green, KY, 40069
15-Year Fixed
180
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.982
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
332 15th St, Ashland, KY, 41101
15-Year Fixed Rate
5.62%
5.76%
▼
Rate5.62%
APR5.76%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
332 15th St, Ashland, KY, 41101
15-Year Fixed Rate
5.62%
5.77%
▼
Rate5.62%
APR5.77%
Points0.375
UpdatedMar 18, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
101 E Virginia Ave, Lexington, KY, 40517 2065
15-Year Fixed
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY, 42420
15 Year Fixed1
15
5.75%
6.01%
▼
Rate5.75%
APR6.01%
Points1.000
UpdatedMar 18, 2026
Details
No additional details available.
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY, 42420
15 Year Fixed1
15
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY, 40202
15 Year Fixed
15 Year
5.50%
6.20%
▼
Rate5.50%
APR6.20%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1012 Bypass N, Burlington, KY, 40065
15-year fixed
6.00%
6.24%
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Florence, KY, 41042 8531
Fixed Equity Rich Loan 15-year fixed
15-year
8.00%
8.20%
▼
Rate8.00%
APR8.20%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
7/1 VA Adjustable Loan
5.12%
5.88%
▼
Rate5.12%
APR5.88%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
5/1 VA Adjustable Loan
5.00%
5.95%
▼
Rate5.00%
APR5.95%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
7/1 Conventional Adjustable-Rate Mortgage
5.50%
6.04%
▼
Rate5.50%
APR6.04%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
3/1 VA Adjustable Loan
4.88%
6.10%
▼
Rate4.88%
APR6.10%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
5/1 Conventional Adjustable-Rate Mortgage
5.50%
6.14%
▼
Rate5.50%
APR6.14%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
3/1 Conventional Adjustable-Rate Mortgage
5.38%
6.24%
▼
Rate5.38%
APR6.24%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
101 E Virginia Ave, Lexington, KY, 40517 2065
15/15 30-Year Adjustable Rate Mortgage
6.12%
6.25%
▼
Rate6.12%
APR6.25%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
101 E Virginia Ave, Lexington, KY, 40517 2065
5/5 30-Year Adjustable Rate Mortgage
6.25%
6.37%
▼
Rate6.25%
APR6.37%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
Jumbo 30 Year Fixed
6.12%
6.22%
▼
Rate6.12%
APR6.22%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
Jumbo 30 Year Fixed
6.38%
6.47%
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
Jumbo 15 Year Fixed
6.75%
6.91%
▼
Rate6.75%
APR6.91%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Main St, Bowling Green, KY, 40069
30-Year Jumbo
360
6.97%
7.11%
▼
Rate6.97%
APR7.11%
Points0.815
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
FHA 30 Year Fixed - Conforming
5.50%
5.65%
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
FHA 30-Year Fixed - Conforming
5.38%
6.05%
▼
Rate5.38%
APR6.05%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY, 40202
Federal Housing Administration (FHA) 30 Year Fixed
6.12%
6.56%
▼
Rate6.12%
APR6.56%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1012 Bypass N, Burlington, KY, 40065
30-year fixed FHA
5.88%
6.71%
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY, 40202
Federal Housing Administration (FHA) 15 Year Fixed
6.12%
6.85%
▼
Rate6.12%
APR6.85%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Main St, Bowling Green, KY, 40069
30-Year FHA
360
5.70%
6.91%
▼
Rate5.70%
APR6.91%
Points0.767
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
VA 15 Year Fixed Loan
5.12%
5.34%
▼
Rate5.12%
APR5.34%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
VA 30 Year Fixed - Conforming
5.50%
5.65%
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609
VA 30 Year Fixed Loan
5.75%
5.88%
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
VA 30 Year Fixed - Home Ready
30
5.88%
6.03%
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY, 40202
Veterans Administration (VA) 30 Year Fixed
30 Year
6.12%
6.64%
▼
Rate6.12%
APR6.64%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1012 Bypass N, Burlington, KY, 40065
30-year fixed VA
6.12%
6.69%
▼
Rate6.12%
APR6.69%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY, 40202
Veterans Administration (VA) 15 Year Fixed
15 Year
6.12%
6.98%
▼
Rate6.12%
APR6.98%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
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Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Kentucky directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Kentucky. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in KY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Kentucky
How does my credit score affect my rate in Kentucky?
Your credit score is a major factor. Generally, borrowers in Kentucky with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Kentucky because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Kentucky?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Kentucky, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Kentucky, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Kentucky?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Kentucky, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Kentucky?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Kentucky offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Kentucky?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Kentucky?
- Transcend Credit Union: 6.00% (30 Year Fixed)
- Rural Cooperatives Credit Union: 5.88% (30 Year Fixed - Conforming)
- Citizens Federal S&L Assoc: 6.00% (30 year fixed rate Mortgage Loans)
- Fortera Federal Credit Union: 6.12% (Conventional 30 Year Fixed Loan)
- Truist: 6.10% (30-Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to Kentucky borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in Kentucky
