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

Across 1,173 closed home-purchase loans in 2025, the median interest rate in Campbell was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $4,671 on a median loan of $255,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $4,671
Median loan amount: $255,000

1,173 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.875%–6.75%
Median total loan costs: $4,518
Median loan amount: $225,000

539 loans, 2025.

Lowest median rates in Campbell (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%73 loans, median costs $2,759
2.Fifth Third Bank, National Association6.375%40 loans, median costs $3,972
3.FIRST EQUITY MORTGAGE INCORPORATED6.375%37 loans, median costs $4,974
4.U.S. Bank National Association6.49%35 loans, median costs $3,561
5.UNION HOME MORTGAGE CORP.6.5%65 loans, median costs $5,493

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%48 loans, median costs $5,941
2.Guardian Savings Bank6.25%39 loans, median costs $880
3.Rocket Mortgage, LLC6.375%56 loans, median costs $6,803
4.Fifth Third Bank, National Association6.562%48 loans, median costs $2,938

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

Lender by lender in Campbell

Every lender that closed at least 5 qualifying loans in Campbell 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	STOCKTON MORTGAGE CORPORATION	115	6.625%	$6,476	$3,441	$2,213
2	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	78	6.624%	$6,485	$2,753	$1,957
3	VICTORY MORTGAGE, L.L.C.	73	6.125%	$2,759	$850	$4,622
4	UNION HOME MORTGAGE CORP.	65	6.5%	$5,493	$2,183	$805
5	Guardian Savings Bank	60	6.625%	$2,097	$718	$2,300
6	CROSSCOUNTRY MORTGAGE, INC.	58	6.75%	$4,218	$1,490	$2,178
7	The Huntington National Bank	56	6.5%	$3,499	$1,295	$743
8	Fifth Third Bank, National Association	40	6.375%	$3,972	$1,295	$760
9	FIRST EQUITY MORTGAGE INCORPORATED	37	6.375%	$4,974	$1,095	$4,825
10	U.S. Bank National Association	35	6.49%	$3,561	$1,245	$562
11	Plains Commerce Bank	30	6.625%	$8,109	$3,576	$1,635
12	Rocket Mortgage, LLC	26	6.495%	$5,544	$2,676	$3,072
13	GUARANTEED RATE, INC.	26	6.6%	$4,756	$1,708	$546
14	Luminate Bank	22	6.812%	$5,539	$3,599	$1,872
15	Prosperity Home Mortgage, LLC	21	6.5%	$6,780	$1,857	$1,106
16	SUCCESS MORTGAGE PARTNERS, INC.	20	6.625%	$8,985	$3,861	$2,133
17	NFM, INC.	19	6.75%	$10,311	$3,908	$2,313
18	GUARANTEED RATE AFFINITY, LLC	16	6.75%	$5,587	$2,265	$967
19	German American Bank	16	6.5%	$4,153	$1,613	$563
20	Third Federal Savings and Loan Association of Cleveland	15	6.625%	$2,793	$450	n/a
21	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	13	6.875%	$8,927	$1,845	$2,915
22	Union Savings Bank	13	6.75%	$1,435	$713	$997
23	Mortgage Research Center, LLC	11	6.5%	$4,694	$0	$770
24	JPMorgan Chase Bank, National Association	11	6.49%	$975	$0	$2,744
25	AMERICAN FINANCIAL RESOURCES, INC.	10	6.625%	$5,651	$1,330	$772
26	The State Bank and Trust Company	10	6.5%	$5,375	$1,075	$592
27	GENERAL ELECTRIC CREDIT UNION	9	6.625%	$2,285	$975	n/a
28	WesBanco Bank, Inc.	9	6.5%	$4,570	$1,695	n/a
29	PENNYMAC LOAN SERVICES, LLC	9	6.75%	$6,771	$2,388	$858
30	Fairway Independent Mortgage Corporation	8	6.808%	$7,153	$3,122	$1,094
31	Truist Bank	8	6.5%	$3,783	$1,250	$202
32	AMERICAN PACIFIC MORTGAGE CORPORATION	7	7.125%	$5,582	$2,495	$952
33	LCNB National Bank	7	6.375%	$2,066	$900	$388
34	PRIMELENDING, A PLAINSCAPITAL COMPANY	6	6.933%	$5,059	$2,442	$1,951
35	KEMBA CREDIT UNION, INC.	6	6.25%	$3,520	$1,345	n/a
36	FIRST COMMUNITY MORTGAGE, INC.	6	6.99%	$5,529	$2,224	$1,249
37	THE LOAN STORE, INC.broker only	5	6.49%	$5,008	$1,581	$1,156
38	Liberty	5	6.625%	$3,868	$1,374	$705
39	RUOFF MORTGAGE COMPANY, INC.	5	6.625%	$4,220	$1,585	$11,086
40	PNC Bank, National Association	5	6.375%	$5,319	$2,126	$936

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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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Campbell figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Campbell County, Kentucky in 2025 was 6.625%, across 1,173 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.