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Kentucky 15-Year Fixed Mortgage Rates 2025

Compare Kentucky 15-Year Fixed Conforming Mortgage 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. Mortgage rates are updated daily.

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Kentucky 15-Year Fixed Conforming Mortgage

December 16, 2025
Average: 5.86% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Veterans United Home Loans NMLS ID: 1907	You can buy with 0% down, no PMI and more Run your numbers and get a snapshot of your buying power VA loans have the lowest avg rate on the market (Data from Optimal Blue) 15 Yr Fixed		$0	Learn More
Home Loan Xpress NMLS ID: 2440475	4.846% 15 Yr Fixed	4.500% Fees & Points $7,545 Total 1.000 Pts: $3,200 $4,345 Fees	$2,448	Learn More See Table View
First Federal Bank NMLS ID: 408902	5.066% 15 Yr Fixed	4.875% Fees & Points $4,062 Total 0.896 Pts: $2,867 $1,195 Fees	$2,510	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	5.133% 15 Yr Fixed	4.990% Fees & Points $3,021 Total 0.944 Pts: $3,021 $0 Fees	$2,529	Learn More See Table View
Tomo Mortgage, LLC NMLS ID: 2059741	5.187% 15 Yr Fixed	4.990% Fees & Points $4,160 Total 0.675 Pts: $2,160 $2,000 Fees	$2,529	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	5.227% 15 Yr Fixed	5.000% Fees & Points $4,795 Total 0.875 Pts: $2,800 $1,995 Fees	$2,531	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: MC370264	5.241% 15 Yr Fixed	5.125% Fees & Points $2,448 Total 0.765 Pts: $2,448 $0 Fees	$2,552	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	5.344% 15 Yr Fixed	5.125% Fees & Points $4,620 Total 0.854 Pts: $2,733 $1,887 Fees	$2,552	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	5.401% 15 Yr Fixed	5.250% Fees & Points $3,162 Total 0.988 Pts: $3,162 $0 Fees	$2,573	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	5.532% 15 Yr Fixed	5.375% Fees & Points $3,282 Total 0.807 Pts: $2,582 $700 Fees	$2,594	Learn More See Table View
Neighbors Bank NMLS ID: 491986	As low as 0% down options & down payment assistance Minimum 620 credit score needed to prequalify 96% of borrowers would recommend Neighbors Bank 15 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Get home in 2026 with a 0% down VA Loan Score your prequalification anytime with 24/7 online tools Save more with competitive VA rates and no PMI Backed by over 350,000 verified 5-star reviews 15 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 15 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.
Pnc Bank, National Association Updated 10/04/2022	5.66%	5.38% 0.00 points $3,210.00 fees	$2,593.49	Learn MoreShow Less See Table View
U.s. Bank National Association Updated 05/07/2023	5.66%	5.38% 0.77 points $0.00 fees	$2,593.49	Learn MoreShow Less See Table View
South Central Bank, Inc. Updated 02/10/2023	5.66%	5.50% 0.00 points $0.00 fees	$2,614.67	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	6.25%	5.88% 0.95 points $0.00 fees	$2,678.78	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 09/08/2023	7.17%	5.94% 2.00 points $3,210.00 fees	$2,689.46	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.04%	6.00% 0.00 points $2,784.00 fees	$2,700.34	Learn MoreShow Less See Table View
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.30%	6.13% 0.00 points $0.00 fees	$2,722.00	Learn MoreShow Less See Table View
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.42%	6.25% 0.00 points $0.00 fees	$2,743.75	Learn MoreShow Less See Table View
Union Savings Bank Updated 04/07/2023	5.81%	6.31% 0.00 points $0.00 fees	$2,754.93	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.08%	6.35% 0.88 points $2,739.00 fees	$2,761.57	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	6.55%	6.50% 0.00 points $2,784.00 fees	$2,787.54	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	6.67%	6.50% 0.38 points $2,784.00 fees	$2,787.54	Learn MoreShow Less See Table View
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions	6.84%	6.63% 0.50 points $0.00 fees	$2,809.58	Learn MoreShow Less See Table View
Eastman Credit Union Updated 06/15/2022 Restrictions	6.91%	6.63% 1.00 points $2,784.00 fees	$2,810.46	Learn MoreShow Less See Table View
Truist Bank Updated 09/27/2024	7.02%	6.75% 0.00 points $3,261.00 fees	$2,831.71	Learn MoreShow Less See Table View
Central Bank & Trust Co. Updated 06/15/2022	6.85%	6.75% 0.00 points $0.00 fees	$2,831.71	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	6.83%	6.75% 0.00 points $2,784.00 fees	$2,831.71	Learn MoreShow Less See Table View
Atlanta Postal Credit Union Updated 06/15/2022 Restrictions	6.80%	6.75% 0.00 points $3,394.00 fees	$2,831.71	Learn MoreShow Less See Table View
Independence Bank Of Kentucky Updated 02/23/2024	7.01%	6.75% 0.00 points $0.00 fees	$2,832.42	Learn MoreShow Less See Table View
Citizens Bank & Trust Company Updated 06/15/2022	6.99%	6.88% 0.00 points $0.00 fees	$2,853.93	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 15-Year Fixed Mortgage Rates 2025

Kentucky 15-Year Fixed Conforming Mortgage

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