Kentucky Mortgage Rate Trends
Track current and weekly average mortgage rates across all loan products in Kentucky, view interactive rate trend charts, and compare KY borrowing costs against the national average.
Current Kentucky Mortgage Rate Trends
Mortgage rates in Kentucky rose by +0.037 this week, pushing the current 30-year fixed average to 6.317%. Borrowers shopping for a home loan in KY are now paying more than they would have last week, when the average stood at 6.280%.
At 6.317%, Kentucky's 30-year fixed rate sits -0.023 below the current national average of 6.339%. This favorable spread suggests KY borrowers may have a competitive advantage relative to the rest of the country.
The 15-year fixed rate in Kentucky currently averages 5.742%, compared to 5.674% last week. Homeowners considering a refinance into a shorter term should weigh this rate against their current loan conditions and remaining balance. Shorter-term loans typically carry lower rates but require higher monthly payments.
The Kentucky mortgage rate averages displayed on this page are calculated from 93 verified mortgage rate quotes collected across 30 lenders actively operating in Kentucky. Our proprietary systems collect and verify mortgage rates daily — tracking what real licensed institutions are actually quoting to borrowers, not published rate sheet estimates.
Unlike rate comparison sites that show only a handful of lenders, MonitorBankRates maintains a continuously updated mortgage rate database spanning community banks, regional lenders, national institutions, and credit unions across Kentucky. This scale allows us to calculate averages that reflect the full lending landscape — not just the most aggressive advertisers — giving borrowers, journalists, and real estate professionals a more accurate benchmark for what rates actually look like in KY.
Data reflects average rates offered by licensed institutions operating in KY. Last Updated: May 10, 2026
Kentucky Mortgage Rate Trends
Daily average rates across all loan products. Hover over the chart to see exact rates for each day.
Kentucky mortgage rate averages compiled from 93 current mortgage rates across 30 lenders operating in KY — updated daily.
As of May 10, 2026 • Data provided by MonitorBankRates.com
Historical Mortgage Rate Trends
Long-term weekly U.S. mortgage rate history from Freddie Mac's Primary Mortgage Market Survey® (PMMS®). 30-year fixed rates available since April 1971; 15-year fixed since August 1991.
State-level historical mortgage rates are not separately tracked — the chart below shows the national PMMS series for long-run context. The chart above shows current rates specific to Kentucky.
Source: Freddie Mac, Primary Mortgage Market Survey® (PMMS®), retrieved from FRED, Federal Reserve Bank of St. Louis. On November 17, 2022, Freddie Mac changed PMMS methodology from a lender survey to LPA application data.
For Media, Researchers & Real Estate Professionals
Journalists covering Kentucky housing markets, real estate professionals advising clients on timing, and academic researchers studying regional lending patterns are welcome to cite and reference this data. All historical KY rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/mortgage-loan-rates/kentucky/trends. For custom data pulls, contact us here.
