What people paid for mortgages in Boone County, KY (2025)

Across 1,792 closed home-purchase loans in 2025, the median interest rate in Boone was 6.5%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $4,629 on a median loan of $295,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $4,629
Median loan amount: $295,000

1,792 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.875%–6.75%
Median total loan costs: $5,096
Median loan amount: $255,000

903 loans, 2025.

Lowest median rates in Boone (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.VICTORY MORTGAGE, L.L.C.6.125%150 loans, median costs $3,118
2.FIRST EQUITY MORTGAGE INCORPORATED6.312%138 loans, median costs $3,974
3.Mortgage Research Center, LLC6.312%30 loans, median costs $4,112
4.Rocket Mortgage, LLC6.375%62 loans, median costs $6,773
5.JPMorgan Chase Bank, National Association6.375%31 loans, median costs $3,114

Among lenders with at least 30 closed purchase loans in Boone County in 2025.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%71 loans, median costs $7,762
2.Guardian Savings Bank6.25%65 loans, median costs $835
3.FREEDOM MORTGAGE CORPORATION6.25%56 loans, median costs $5,362
4.Rocket Mortgage, LLC6.433%108 loans, median costs $7,374
5.Fifth Third Bank, National Association6.735%52 loans, median costs $3,159

Among lenders with at least 30 closed refinance loans in Boone County in 2025.

Lender by lender in Boone

Every lender that closed at least 5 qualifying loans in Boone County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	VICTORY MORTGAGE, L.L.C.	150	6.125%	$3,118	$850	$5,637
2	FIRST EQUITY MORTGAGE INCORPORATED	138	6.312%	$3,974	$1,095	$4,375
3	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	101	6.55%	$6,623	$2,211	$1,719
4	UNION HOME MORTGAGE CORP.	97	6.5%	$7,010	$2,033	$855
5	STOCKTON MORTGAGE CORPORATION	96	6.625%	$6,231	$2,699	$1,346
6	Guardian Savings Bank	94	6.75%	$1,687	$500	$4,536
7	CROSSCOUNTRY MORTGAGE, INC.	76	6.625%	$6,715	$1,817	$1,971
8	The Huntington National Bank	75	6.5%	$3,839	$1,295	$647
9	Rocket Mortgage, LLC	62	6.375%	$6,773	$2,750	$2,647
10	U.S. Bank National Association	51	6.5%	$4,055	$1,245	$633
11	NFM, INC.	48	6.875%	$6,983	$3,757	$2,375
12	GUARANTEED RATE, INC.	45	6.55%	$5,829	$1,808	$674
13	German American Bank	35	6.5%	$3,691	$1,050	$500
14	Fifth Third Bank, National Association	33	6.5%	$3,727	$1,295	$481
15	Prosperity Home Mortgage, LLC	32	6.562%	$7,434	$2,896	$2,763
16	JPMorgan Chase Bank, National Association	31	6.375%	$3,114	$1,265	$1,417
17	Mortgage Research Center, LLC	30	6.312%	$4,112	$0	$1,040
18	21st Mortgage Corporation	23	11.23%	n/a	n/a	n/a
19	Luminate Bank	21	6.75%	$4,478	$2,424	$3,060
20	Fairway Independent Mortgage Corporation	20	6.625%	$5,675	$2,669	$1,064
21	AMERICAN FINANCIAL RESOURCES, INC.	17	6.75%	$5,247	$2,025	$893
22	Union Savings Bank	17	6.5%	$1,893	$450	$1,028
23	SUCCESS MORTGAGE PARTNERS, INC.	17	6.375%	$10,223	$4,869	$3,795
24	GUARANTEED RATE AFFINITY, LLC	16	6.75%	$6,047	$1,960	$892
25	Navy Federal Credit Union	15	6.125%	$3,197	$0	$4,138
26	PENNYMAC LOAN SERVICES, LLC	15	6.125%	$8,909	$2,390	$857
27	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	13	6.75%	$6,189	$2,497	$1,747
28	THE LOAN STORE, INC.broker only	12	6.933%	$4,489	$1,467	$477
29	Third Federal Savings and Loan Association of Cleveland	12	6.74%	$0	$0	n/a
30	First Financial Bank	12	6.75%	$4,895	$1,784	$430
31	VANDERBILT MORTGAGE AND FINANCE, INC.	11	10.99%	$5,507	$3,502	$637
32	AMERICAN PACIFIC MORTGAGE CORPORATION	11	6.99%	$8,462	$2,722	$1,978
33	L & N Federal Credit Union	11	6.75%	$2,561	$400	n/a
34	PNC Bank, National Association	11	6.5%	$3,756	$1,297	$519
35	Park Lane Finance Solutions, LLC	10	11.49%	n/a	n/a	n/a
36	Plains Commerce Bank	10	6.812%	$8,102	$1,972	$1,924
37	ZILLOW HOME LOANS, LLC	9	6.75%	$5,840	$2,596	$2,558
38	Broker Solutions, Inc.	9	7%	$6,538	$2,272	$1,272
39	Truist Bank	8	6.612%	$4,692	$1,262	$318
40	Stock Yards Bank & Trust Company	7	6.375%	$3,998	$874	$439

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Common questions

What mortgage rate did people get in Boone County in 2025?

The median interest rate on closed home-purchase loans in Boone County, Kentucky in 2025 was 6.5%, across 1,792 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.