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Mortgage Rates Kentucky (KY) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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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| i Editorial Disclosure
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.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: April 2, 2026

Current 30-year fixed mortgage rates in Kentucky include Transcend Credit UnionTranscend Credit Union12104 Shelbyville Rd, Lexington, KY, 40202A+5.0 ★Texas Ratio: 0.92% at 6.00%, Citizens Federal S&L AssocCitizens Federal S&L Assoc433 Madison Ave, Covington, KY, 41011A+5.0 ★Texas Ratio: 0.00% at 6.00%, Rural Cooperatives Credit UnionRural Cooperatives Credit Union13246 State Route 176, Drakesboro, KY, 40223A+5.0 ★Texas Ratio: 1.44% at 6.25%, Fortera Federal Credit UnionFortera Federal Credit Union130 Griffin Bell Dr, Fort Campbell, KY, 42223 5609A+5.0 ★Texas Ratio: 5.06% at 6.38%, and First Federal Savings Bank Evansville, INFirst Federal Savings Bank Evansville, IN2555 Us 41 N, Henderson, KY, 42420A-5.0 ★Texas Ratio: 15.03% at 6.38%. Mortgage rates as of April 2, 2026 according to verified data from MonitorBankRates.

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: April 2, 2026

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%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

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%
View
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 25, 2026
Details

for Qualified Borrowers

Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY, 40223
30 Year Fixed - Conforming
6.25%
6.41%
View
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedMar 28, 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
6.25%
6.41%
View
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedMar 28, 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
Conventional 30 Year Fixed Loan
6.38%
6.49%
View
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedApr 2, 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
6.38%
6.54%
View
▼
Rate6.38%
APR6.54%
Points1.000
UpdatedMar 26, 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
6.50%
6.58%
View
▼
Rate6.50%
APR6.58%
Points0.250
UpdatedMar 25, 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
6.50%
6.61%
View
▼
Rate6.50%
APR6.61%
Points0.625
UpdatedMar 25, 2026
Details

Rates shown include 0.125% autopay and paperless discount.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Main St, Bowling Green, KY, 40069
30-Year Fixed
360
6.49%
6.67%
View
▼
Rate6.49%
APR6.67%
Points0.696
UpdatedMar 29, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
1000 Medical Center Dr, Central City, KY, 40207
30 Year Fixed
6.62%
6.67%
View
▼
Rate6.62%
APR6.67%
Points0.000
UpdatedMar 28, 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
6.62%
6.69%
View
▼
Rate6.62%
APR6.69%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1012 Bypass N, Burlington, KY, 40065
30-year fixed
6.62%
6.78%
View
▼
Rate6.62%
APR6.78%
Points0.000
UpdatedMar 25, 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
6.62%
6.78%
View
▼
Rate6.62%
APR6.78%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
1000 Medical Center Dr, Central City, KY, 40207
30 Year Fixed
6.75%
6.80%
View
▼
Rate6.75%
APR6.80%
Points0.000
UpdatedMar 28, 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
6.70%
6.90%
View
▼
Rate6.70%
APR6.90%
Points0.865
UpdatedMar 29, 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
6.80%
6.91%
View
▼
Rate6.80%
APR6.91%
Points-0.049
UpdatedMar 29, 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
6.99%
7.08%
View
▼
Rate6.99%
APR7.08%
Points-0.205
UpdatedMar 29, 2026
Details

No additional details available.

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%
View
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 29, 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
5.50%
5.69%
View
▼
Rate5.50%
APR5.69%
Points0.000
UpdatedApr 2, 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
5.88%
5.99%
View
▼
Rate5.88%
APR5.99%
Points0.250
UpdatedMar 25, 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
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.250
UpdatedMar 25, 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
5.75%
6.01%
View
▼
Rate5.75%
APR6.01%
Points0.000
UpdatedMar 28, 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
5.75%
6.05%
View
▼
Rate5.75%
APR6.05%
Points0.829
UpdatedMar 29, 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
5.75%
6.06%
View
▼
Rate5.75%
APR6.06%
Points0.909
UpdatedMar 29, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
1000 Medical Center Dr, Central City, KY, 40207
15 Year Fixed
6.00%
6.08%
View
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedMar 28, 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
5.88%
6.14%
View
▼
Rate5.88%
APR6.14%
Points1.000
UpdatedMar 26, 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
6.12%
6.23%
View
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 26, 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
6.10%
6.24%
View
▼
Rate6.10%
APR6.24%
Points-0.187
UpdatedMar 29, 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
6.10%
6.26%
View
▼
Rate6.10%
APR6.26%
Points-0.107
UpdatedMar 29, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1012 Bypass N, Burlington, KY, 40065
15-year fixed
6.12%
6.37%
View
▼
Rate6.12%
APR6.37%
Points0.000
UpdatedMar 25, 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
6.88%
7.04%
View
▼
Rate6.88%
APR7.04%
Points0.000
UpdatedMar 28, 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%
View
▼
Rate8.00%
APR8.20%
Points0.000
UpdatedMar 26, 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
5.38%
6.00%
View
▼
Rate5.38%
APR6.00%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
1000 Medical Center Dr, Central City, KY, 40207
Jumbo 5/6mo SOFR ARM
6.00%
6.01%
View
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 28, 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
5.25%
6.06%
View
▼
Rate5.25%
APR6.06%
Points0.000
UpdatedApr 2, 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 Loan
5.75%
6.17%
View
▼
Rate5.75%
APR6.17%
Points0.000
UpdatedApr 2, 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
5.12%
6.18%
View
▼
Rate5.12%
APR6.18%
Points0.000
UpdatedApr 2, 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 Loan
5.62%
6.19%
View
▼
Rate5.62%
APR6.19%
Points0.000
UpdatedApr 2, 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 Loan
5.50%
6.27%
View
▼
Rate5.50%
APR6.27%
Points0.000
UpdatedApr 2, 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
6.00%
6.42%
View
▼
Rate6.00%
APR6.42%
Points0.995
UpdatedMar 29, 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
5.88%
6.42%
View
▼
Rate5.88%
APR6.42%
Points0.915
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
5/1 yr Jumbo adjustable-rate mortgage (ARM) loans
5/1 yr
6.00%
6.45%
View
▼
Rate6.00%
APR6.45%
Points0.665
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
7/1 yr Jumbo adjustable-rate mortgage (ARM) loans
7/1 yr
6.12%
6.46%
View
▼
Rate6.12%
APR6.46%
Points0.745
UpdatedMar 29, 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
6.25%
6.51%
View
▼
Rate6.25%
APR6.51%
Points0.920
UpdatedMar 29, 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
6.38%
6.55%
View
▼
Rate6.38%
APR6.55%
Points0.975
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
10/1 yr Jumbo adjustable-rate mortgage (ARM) loans
10/1 yr
6.38%
6.57%
View
▼
Rate6.38%
APR6.57%
Points0.670
UpdatedMar 29, 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
6.50%
6.62%
View
▼
Rate6.50%
APR6.62%
Points0.978
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
7/6 mo Conforming adjustable-rate mortgage (ARM) loans
7/6 mo
6.75%
6.80%
View
▼
Rate6.75%
APR6.80%
Points1.458
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
10/6 mo Conforming adjustable-rate mortgage (ARM) loans
10/6 mo
6.75%
6.84%
View
▼
Rate6.75%
APR6.84%
Points1.268
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
1000 Medical Center Dr, Central City, KY, 40207
Jumbo 30 Year
6.38%
6.39%
View
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedMar 28, 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
Jumbo 30 Year Fixed
6.38%
6.48%
View
▼
Rate6.38%
APR6.48%
Points0.000
UpdatedApr 2, 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
6.38%
6.64%
View
▼
Rate6.38%
APR6.64%
Points0.795
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
15-year Jumbo loans
15-year
6.38%
6.66%
View
▼
Rate6.38%
APR6.66%
Points0.920
UpdatedMar 29, 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
6.62%
6.72%
View
▼
Rate6.62%
APR6.72%
Points0.000
UpdatedMar 28, 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
6.50%
6.72%
View
▼
Rate6.50%
APR6.72%
Points0.890
UpdatedMar 29, 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
6.62%
6.79%
View
▼
Rate6.62%
APR6.79%
Points0.840
UpdatedMar 29, 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 Jumbo loans
30-year
6.62%
6.80%
View
▼
Rate6.62%
APR6.80%
Points0.965
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Wall St, Alexandria, KY, 40033
20-year Jumbo loans
20-year
6.62%
6.82%
View
▼
Rate6.62%
APR6.82%
Points0.640
UpdatedMar 29, 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
6.88%
7.04%
View
▼
Rate6.88%
APR7.04%
Points0.000
UpdatedMar 28, 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
7.17%
7.32%
View
▼
Rate7.17%
APR7.32%
Points0.906
UpdatedMar 29, 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
7.58%
7.62%
View
▼
Rate7.58%
APR7.62%
Points-0.087
UpdatedMar 29, 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
6.00%
6.16%
View
▼
Rate6.00%
APR6.16%
Points0.000
UpdatedMar 28, 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
5.88%
6.56%
View
▼
Rate5.88%
APR6.56%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1012 Bypass N, Burlington, KY, 40065
30-year fixed FHA
5.99%
6.83%
View
▼
Rate5.99%
APR6.83%
Points0.000
UpdatedMar 25, 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
6.12%
7.00%
View
▼
Rate6.12%
APR7.00%
Points0.716
UpdatedMar 29, 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 Federal Housing Administration (FHA) loans
30-year
6.12%
7.01%
View
▼
Rate6.12%
APR7.01%
Points0.841
UpdatedMar 29, 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 FHA
360
6.10%
7.33%
View
▼
Rate6.10%
APR7.33%
Points0.896
UpdatedMar 29, 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 FHA
360
6.60%
7.72%
View
▼
Rate6.60%
APR7.72%
Points-0.274
UpdatedMar 29, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
1000 Medical Center Dr, Central City, KY, 40207
FHA 30 Year
6.25%
8.35%
View
▼
Rate6.25%
APR8.35%
Points0.000
UpdatedMar 28, 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
5.25%
5.47%
View
▼
Rate5.25%
APR5.47%
Points0.000
UpdatedApr 2, 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
6.00%
6.13%
View
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedApr 2, 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
6.00%
6.16%
View
▼
Rate6.00%
APR6.16%
Points0.000
UpdatedMar 28, 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
6.25%
6.41%
View
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedMar 28, 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 VA
360
6.10%
6.49%
View
▼
Rate6.10%
APR6.49%
Points0.898
UpdatedMar 29, 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%
6.51%
View
▼
Rate6.12%
APR6.51%
Points0.966
UpdatedMar 29, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
1000 Medical Center Dr, Central City, KY, 40207
VA 30 Year
6.25%
6.53%
View
▼
Rate6.25%
APR6.53%
Points0.000
UpdatedMar 28, 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 Veterans Affairs (VA) loans
30-year
6.25%
6.62%
View
▼
Rate6.25%
APR6.62%
Points0.849
UpdatedMar 29, 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 VA
360
6.60%
6.88%
View
▼
Rate6.60%
APR6.88%
Points-0.277
UpdatedMar 29, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1012 Bypass N, Burlington, KY, 40065
30-year fixed VA
6.49%
7.07%
View
▼
Rate6.49%
APR7.07%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Mortgage Calculators

Mortgage Payment Calculator Affordability Calculator Refinance Calculator Rent vs. Buy Calculator

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)
  • Citizens Federal S&L Assoc: 6.00% (30 year fixed rate Mortgage Loans)
  • Rural Cooperatives Credit Union: 6.25% (30 Year Fixed - Conforming)
  • Fortera Federal Credit Union: 6.38% (Conventional 30 Year Fixed Loan)
  • First Federal Savings Bank Evansville, IN: 6.38% (30 Year Fixed1)
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: April 2, 2026

Kentucky Rates & Resources

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Personal Loan Rates

Mortgage Rates by City 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