What people paid for mortgages in Hardin County, KY (2025)
Across 1,268 closed home-purchase loans in 2025, the median interest rate in Hardin was 6.25%, and the middle half of borrowers got between 6% and 6.625%. Median total loan costs ran $6,053 on a median loan of $265,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.25%
- Middle half of rates
- 6%–6.625%
- Median total loan costs
- $6,053
- Median loan amount
- $265,000
1,268 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $5,011
- Median loan amount
- $245,000
855 loans, 2025.
Lowest median rates in Hardin (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.DHI MORTGAGE COMPANY, LTD.5.5%66 loans, median costs $7,862
- 2.INSPIRE HOME LOANS INC.5.938%32 loans, median costs $8,922
- 3.Abound Federal Credit Union6%100 loans, median costs $3,004
- 4.Navy Federal Credit Union6%37 loans, median costs $6,315
- 5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.25%172 loans, median costs $6,944
Among lenders with at least 30 closed purchase loans in Hardin County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%132 loans, median costs $4,961
- 2.PENNYMAC LOAN SERVICES, LLC5.688%30 loans, median costs $7,828
- 3.Mortgage Research Center, LLC5.75%37 loans, median costs $5,568
- 4.FREEDOM MORTGAGE CORPORATION6.125%90 loans, median costs $3,490
- 5.Rocket Mortgage, LLC6.312%94 loans, median costs $6,319
Among lenders with at least 30 closed refinance loans in Hardin County in 2025.
Lender by lender in Hardin
Every lender that closed at least 5 qualifying loans in Hardin 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 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 172 | 6.25% | $6,944 | $1,195 | $653 |
| 2 | Mortgage Research Center, LLC | 120 | 6.25% | $4,373 | $0 | $1,002 |
| 3 | SOUTH CENTRAL BANK, INC. | 103 | 6.25% | $5,596 | $945 | $461 |
| 4 | Abound Federal Credit Union | 100 | 6% | $3,004 | $525 | $238 |
| 5 | DHI MORTGAGE COMPANY, LTD. | 66 | 5.5% | $7,862 | $0 | $1,552 |
| 6 | Rocket Mortgage, LLC | 48 | 6.375% | $7,315 | $2,492 | $2,167 |
| 7 | Northpointe Bank | 46 | 6.625% | $6,462 | $1,831 | $750 |
| 8 | Navy Federal Credit Union | 37 | 6% | $6,315 | $0 | $3,598 |
| 9 | The Cecilian Bank | 34 | 6.516% | $4,727 | $2,350 | n/a |
| 10 | West Point Bank | 33 | n/a | n/a | n/a | n/a |
| 11 | INSPIRE HOME LOANS INC. | 32 | 5.938% | $8,922 | $1,695 | $5,522 |
| 12 | PREMIER LENDING, INC. | 23 | 6.75% | $10,443 | $3,861 | $2,469 |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.125% | $11,019 | $506 | $3,176 |
| 14 | EVERETT FINANCIAL, INC. | 21 | 6.5% | $9,526 | $3,759 | $1,886 |
| 15 | Prosperity Home Mortgage, LLC | 20 | 6.25% | $7,588 | $2,130 | $2,350 |
| 16 | Wilson & Muir Bank & Trust Company | 18 | n/a | n/a | n/a | n/a |
| 17 | PLAZA HOME MORTGAGE, INC.broker only | 17 | 6.49% | $8,767 | $1,175 | $288 |
| 18 | UNION HOME MORTGAGE CORP. | 17 | 6.375% | $6,167 | $2,412 | $917 |
| 19 | Magnolia Bank, Incorporated | 16 | 6.5% | $5,235 | $1,306 | $895 |
| 20 | VANDERBILT MORTGAGE AND FINANCE, INC. | 14 | 9.87% | $7,163 | $3,147 | $572 |
| 21 | JPMorgan Chase Bank, National Association | 13 | 6.375% | $3,692 | $650 | $1,700 |
| 22 | STOCKTON MORTGAGE CORPORATION | 11 | 6.75% | $7,529 | $3,418 | $1,857 |
| 23 | USAA Federal Savings Bank | 11 | 6.125% | $7,334 | $527 | $687 |
| 24 | Fairway Independent Mortgage Corporation | 10 | 6.75% | $11,108 | $4,536 | $708 |
| 25 | KIND LENDING, LLC | 10 | 6.562% | $5,993 | $0 | $1,305 |
| 26 | Stock Yards Bank & Trust Company | 9 | 6.875% | $4,202 | $1,298 | $736 |
| 27 | INTERLINC MORTGAGE SERVICES, LLC | 9 | 6.625% | $3,987 | $1,771 | $876 |
| 28 | Broker Solutions, Inc. | 9 | 6.75% | $8,815 | $1,845 | $416 |
| 29 | CMG MORTGAGE, INC. | 9 | 6.625% | $4,222 | $1,620 | $763 |
| 30 | PIKE CREEK MORTGAGE SERVICES, INC. | 8 | 6.5% | $7,612 | $1,478 | $765 |
| 31 | Community Trust Bank, Inc. | 7 | 5.875% | $2,379 | $900 | n/a |
| 32 | Farm Credit Mid-America | 7 | 6.875% | $9,684 | $6,575 | n/a |
| 33 | Meade County Bank | 7 | n/a | n/a | n/a | n/a |
| 34 | GUARANTEED RATE, INC. | 7 | 6.175% | $4,304 | $0 | $4,646 |
| 35 | PNC Bank, National Association | 7 | 6.625% | $3,918 | $1,300 | $545 |
| 36 | German American Bank | 6 | 6.562% | $7,056 | $1,195 | n/a |
| 37 | FREEDOM MORTGAGE CORPORATION | 6 | 4.562% | $6,324 | $887 | $2,395 |
| 38 | WesBanco Bank, Inc. | 6 | 6.375% | $5,163 | $1,695 | $825 |
| 39 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 6.625% | $7,510 | $1,306 | $1,306 |
| 40 | LOWER, LLC | 5 | 6.875% | $7,635 | $2,910 | $1,235 |
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.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Hardin figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Hardin County in 2025?
The median interest rate on closed home-purchase loans in Hardin County, Kentucky in 2025 was 6.25%, across 1,268 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.625%.
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.