Compare Kentucky’s Mortgage Rates | Saturday, May 23, 2026
Rates are current as of May 23, 2026 11:20 PM EDT
APR 6.54%
0.13% 1wAPR 6.01%
0.06% 1wAPR 6.66%
0.13% 1w
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The Nerdy headline
Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state.
Home loans overall
NerdWallet rating
4.5
- Loan origination process can be completed online.
- Offers government-backed FHA and VA loans.
- Offers module that compares mortgage rates among other lenders.
- Offers loans in many states and Washington, D.C., but not nationwide.
- Does not offer home equity loans or lines of credit.
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The Nerdy headline
Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. However, you won’t find home equity products. Mortgages are available in 41 states and counting.
Home loans overall
NerdWallet rating4.5
- Online rate tool is user-friendly and customizable.
- Accepts borrowers with credit scores below 600.
- Mortgages not available in all states.
- No renovation or home equity loans.
- No mobile app.
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The Nerdy headline
First Federal Bank stands out for its competitive APRs and its emphasis on government loans. Most likely to appeal to borrowers shopping for low rates and fees.
Home loans overall
NerdWallet rating5.0
- Strong experience in FHA and VA lending.
- APRs tend to be competitive, according to the latest federal data.
- Minimum credit score requirement of 580 for some loans, which is lower than some competitors.
- Home equity lending is not a priority.
- Does not offer renovation loans, but does offer construction loans.
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The Nerdy headline
Real Genius is a smart pick for a do-it-yourself online quote. We’re impressed with its "no fine print” approach and options to sort and customize APR and fees. However, Real Genius does not have a mobile app and doesn’t currently prioritize home equity lending.
Home loans overall
NerdWallet rating4.5
- Easy and transparent online rate quote tool.
- May accept borrowers with low credit scores.
- Closes loans in an average of 30 days (faster than industry average).
- Federal data isn’t available for us to objectively compare this lender with others.
- Home equity loans and HELOCs aren’t a priority.
- Not currently lending in U.S. territories.
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The Nerdy headline
Sage Home Loans stands out for speed and convenience, though it lacks a mobile app and doesn’t serve New York borrowers.
Home loans overall
NerdWallet rating
4.5
- Sample rates are easy to browse online.
- Quick, convenient pre-qualification process.
- Average time to close is just under 20 days, faster than industry standard.
- Home loans aren’t available in New York.
- No mobile app or online chat, despite focus on mortgage tech.
- Online pre-qualification requires sharing contact info.
NMLS#1880338
APR
6.75%
APR
6.75%
Interest rate
6.75%
Est. mo. payment
$2,595/mo
Total fees
$0
Next Door Lending is a wholly-owned subsidiary of NerdWallet
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The Nerdy headline
Next Door Lending, a mortgage broker, offers expert assistance shopping for and closing a loan, as well as specialty loans at competitive rates. Mortgages are not available in every state.
- Offers a variety of loan types, including first-time buyer programs and loans for self-employed borrowers.
- Real-time rate quotes available while working with a broker.
- Responsive customer service.
- Competitive pricing often available, especially for non-traditional borrowers.
- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
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The Nerdy headline
New American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.
Home loans overall
NerdWallet rating4.0
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
- Average rates and fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
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The Nerdy headline
NBKC stands out for its attractive interest rates and fees, and is primarily an online lender — though its app does not have mortgage features.
Home loans overall
NerdWallet rating4.5
- Competitive interest rates and fees.
- Offers most common loan types, as well as a handful of specialty loans.
- Payouts are available to borrowers whose loans don’t close on time.
- Customer service is only accessible over the phone for many mortgage customers.
- Does not offer renovation loans.
- Home equity products are not currently a lending priority.
About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
Explore Kentucky's mortgage rate trends
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Kentucky’s average 6.54%
Kentucky’s average mortgage rates today
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.52% | 6.54% |
| 30-year Fixed FHA | 5.99% | 6.72% |
| 30-year Fixed VA | 5.43% | 5.44% |
| 20-year Fixed | 5.96% | 5.96% |
| 15-year Fixed | 5.98% | 6.01% |
| 10-year Fixed | 5.91% | 5.92% |
| 3-year ARM | 4.63% | 4.85% |
| 5-year ARM | 6.75% | 6.66% |
| 7-year ARM | 6.13% | 6.34% |
| 10-year ARM | 6.52% | 6.54% |
Accurate as of 05/23/2026.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
Today's mortgage rates in Kentucky | Saturday, May 23, 2026
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