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

Across 585 closed home-purchase loans in 2025, the median interest rate in Nelson was 6.5%, and the middle half of borrowers got between 6.25% and 6.874%. Median total loan costs ran $5,397 on a median loan of $235,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.25%–6.874%
Median total loan costs: $5,397
Median loan amount: $235,000

585 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.75%–6.75%
Median total loan costs: $4,893
Median loan amount: $215,000

281 loans, 2025.

Lowest median rates in Nelson (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.Abound Federal Credit Union6%27 loans, median costs $3,102
2.KIND LENDING, LLC6.25%11 loans, median costs $7,560
3.Navy Federal Credit Union6.375%10 loans, median costs $2,590
4.UNION HOME MORTGAGE CORP.6.438%22 loans, median costs $5,994
5.Magnolia Bank, Incorporated6.49%22 loans, median costs $3,603

Among lenders with at least 10 closed purchase loans in Nelson County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.978%23 loans, median costs $7,093
2.Rocket Mortgage, LLC5.99%47 loans, median costs $6,204
3.Abound Federal Credit Union6%23 loans, median costs $2,599
4.FREEDOM MORTGAGE CORPORATION6.25%19 loans, median costs $4,474

Among lenders with at least 10 closed refinance loans in Nelson County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Nelson

Every lender that closed at least 5 qualifying loans in Nelson 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	54	6.5%	$7,241	$1,384	$880
2	Rocket Mortgage, LLC	38	6.5%	$6,044	$2,162	$1,656
3	Town & Country Bank and Trust Company	28	n/a	n/a	n/a	n/a
4	Abound Federal Credit Union	27	6%	$3,102	$525	$201
5	The Lincoln National Bank of Hodgenville	27	n/a	n/a	n/a	n/a
6	Magnolia Bank, Incorporated	22	6.49%	$3,603	$1,225	$1,508
7	UNION HOME MORTGAGE CORP.	22	6.438%	$5,994	$1,431	$450
8	Mortgage Research Center, LLC	21	6.625%	$4,612	$0	$761
9	Wilson & Muir Bank & Trust Company	21	n/a	n/a	n/a	n/a
10	Fairway Independent Mortgage Corporation	20	6.75%	$6,329	$2,785	$1,176
11	Northpointe Bank	18	6.49%	$5,913	$3,063	$1,545
12	STOCKTON MORTGAGE CORPORATION	13	6.75%	$6,943	$2,585	$810
13	PNC Bank, National Association	12	6.5%	$3,767	$1,282	$449
14	KIND LENDING, LLC	11	6.25%	$7,560	$2,827	$1,752
15	Navy Federal Credit Union	10	6.375%	$2,590	$0	$1,221
16	INTERLINC MORTGAGE SERVICES, LLC	10	6.875%	$5,552	$1,070	$2,191
17	Broker Solutions, Inc.	10	6.562%	$8,380	$1,876	$567
18	ARK-LA-TEX FINANCIAL SERVICES, LLC.	9	6.624%	$4,109	$1,675	$355
19	Paramount Residential Mortgage Group, Inc.	8	6.5%	$6,728	$1,587	$1,862
20	Stock Yards Bank & Trust Company	8	6.5%	$5,625	$2,167	$1,345
21	VANDERBILT MORTGAGE AND FINANCE, INC.	8	9.495%	$7,637	$5,731	$1,042
22	L & N Federal Credit Union	8	6.87%	$2,938	$400	n/a
23	JPMorgan Chase Bank, National Association	8	6.625%	$3,765	$1,482	$1,550
24	WesBanco Bank, Inc.	8	6%	$7,526	$2,404	$920
25	SUCCESS MORTGAGE PARTNERS, INC.	7	6.625%	$8,038	$4,610	$2,716
26	Community Trust Bank, Inc.	6	6%	$3,042	$977	n/a
27	Prosperity Home Mortgage, LLC	6	6.37%	$6,108	$2,054	$1,410
28	First Harrison Bank	6	6.75%	$3,959	$1,075	$1,118
29	Equity Prime Mortgage LLC	5	6.25%	$10,136	$4,715	$3,841
30	SOUTH CENTRAL BANK, INC.	5	6.25%	$4,101	$1,098	$2,721
31	BAY EQUITY LLC	5	6.875%	$7,782	$3,770	$1,319
32	U.S. Bank National Association	5	6.25%	$3,613	$1,245	$1,575

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

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

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

Common questions

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

The median interest rate on closed home-purchase loans in Nelson County, Kentucky in 2025 was 6.5%, across 585 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.874%.

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.