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Kentucky 30-Year Fixed Mortgage Refinance Rates 2025

Compare Kentucky 30-Year Fixed Conforming Mortgage Refinance Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

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Kentucky 30-Year Fixed Conforming Mortgage Refinance

April 15, 2025
Average: 7.37% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Securitas Mortgage Inc NMLS ID: 1039147 License#: mb92590	6.463% 30 Yr Fixed	6.375% Fees & Points $3,029 Total 0.613 Pts: $1,962 $1,067 Fees	$1,997	Learn More See Table View
Green Lending, LLC NMLS ID: 2598612	6.580% 30 Yr Fixed	6.490% Fees & Points $3,212 Total 0.688 Pts: $2,202 $1,010 Fees	$2,021	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	6.834% 30 Yr Fixed	6.750% Fees & Points $2,778 Total 0.868 Pts: $2,778 $0 Fees	$2,076	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	6.838% 30 Yr Fixed	6.750% Fees & Points $2,880 Total 0.900 Pts: $2,880 $0 Fees	$2,076	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	6.851% 30 Yr Fixed	6.750% Fees & Points $3,311 Total 0.816 Pts: $2,611 $700 Fees	$2,076	Learn More See Table View
First Fidelity Mortgage NMLS ID: 940549 License#: MB84774	6.881% 30 Yr Fixed	6.750% Fees & Points $4,410 Total 1.000 Pts: $3,200 $1,210 Fees	$2,076	Learn More See Table View
West Capital Lending NMLS ID: 1566096	7.007% 30 Yr Fixed	6.875% Fees & Points $4,300 Total 0.797 Pts: $2,550 $1,750 Fees	$2,103	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	7.034% 30 Yr Fixed	6.875% Fees & Points $5,200 Total 0.625 Pts: $2,000 $3,200 Fees	$2,103	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: MC370264	7.050% 30 Yr Fixed	6.990% Fees & Points $1,955 Total 0.611 Pts: $1,955 $0 Fees	$2,127	Learn More See Table View
Rocket Mortgage NMLS ID: 3030	7.589% 30 Yr Fixed	7.500% Fees & Points $2,800 Total 0.875 Pts: $2,800 $0 Fees	$2,238	Learn More See Table View
Neighbors Bank NMLS ID: 491986	0% down payment USDA Loan options Prequalify with 620+ credit score No PMI, save on monthly costs 96% of borrowers would recommend to friends and family 30 Yr Fixed			Learn More
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 30 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 30 Yr Fixed			Learn More
Neighbors Bank NMLS ID: 491986	As low as 0% down payment in Kentucky Minimum 620 credit score needed to prequalify 96% of borrowers would recommend Neighbors Bank 30 Yr Fixed			Learn More
Top Flite Financial NMLS ID: 4181	We Approve Credit Scores Down to 500 Self Employed Bank Statement Loans Investor Loans - DSCR - Cash Out Reverse Mortgage Specialists 30 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
South Central Bank, Inc. Updated 02/10/2023	5.97%	5.88% 0.00 points $0.00 fees	$1,892.92	Learn MoreShow Less See Table View
Pnc Bank, National Association Updated 10/04/2022	6.20%	6.00% 0.00 points $3,210.00 fees	$1,918.56	Learn MoreShow Less See Table View
U.s. Bank National Association Updated 05/07/2023	6.27%	6.13% 0.63 points $0.00 fees	$1,944.35	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 04/11/2025	7.06%	6.25% 1.88 points $3,210.00 fees	$1,969.25	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.52%	6.50% 0.00 points $2,784.00 fees	$2,022.62	Learn MoreShow Less See Table View
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.60%	6.50% 0.00 points $0.00 fees	$2,022.62	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.59%	6.72% 0.63 points $2,739.00 fees	$2,068.50	Learn MoreShow Less See Table View
Union Savings Bank Updated 04/07/2023	6.29%	6.79% 0.00 points $0.00 fees	$2,084.03	Learn MoreShow Less See Table View
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.96%	6.88% 0.00 points $0.00 fees	$2,102.17	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	7.05%	6.88% 0.84 points $0.00 fees	$2,102.17	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.26%	7.13% 1.00 points $2,784.00 fees	$2,156.98	Learn MoreShow Less See Table View
The Citizens National Bank Of Somerset Updated 06/15/2022	7.28%	7.25% 0.00 points $0.00 fees	$2,182.96	Learn MoreShow Less See Table View
Central Bank & Trust Co. Updated 06/15/2022	7.31%	7.25% 0.00 points $0.00 fees	$2,182.96	Learn MoreShow Less See Table View
First Federal Savings Bank Of Kentucky Updated 06/15/2022	8.31%	7.25% 0.00 points $0.00 fees	$2,182.96	Learn MoreShow Less See Table View
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions	7.43%	7.25% 0.75 points $0.00 fees	$2,182.96	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	7.28%	7.25% 0.00 points $2,784.00 fees	$2,182.96	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	7.29%	7.25% 0.00 points $2,784.00 fees	$2,182.96	Learn MoreShow Less See Table View
Eastman Credit Union Updated 06/15/2022 Restrictions	7.41%	7.25% 1.00 points $2,784.00 fees	$2,182.96	Learn MoreShow Less See Table View
Independence Bank Of Kentucky Updated 10/11/2024	6.65%	7.29% 0.00 points $0.00 fees	$2,190.57	Learn MoreShow Less See Table View
Farmers Bank Updated 06/15/2022	7.51%	7.38% 0.00 points $0.00 fees	$2,210.16	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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Kentucky 30-Year Fixed Mortgage Refinance Rates 2025

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