Today’s Refinance Rates in Kentucky

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Edited byKatherine Kurtz
Edited byKatherine Kurtz

Updated: January 18, 2024

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Current Refinance Rates in Kentucky

MoneyGeek compiled the current refinance interest rates in Kentucky to help you compare rates and find the best deal. You can see the latest average rates in Kentucky in the table below.

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Mortgage Refinance Rates From Top Lenders

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What Is a Good Refinance Rate in Kentucky?

Mortgage refinance rates in Kentucky are currently at 4.59% for a 15-year fixed rate mortgage, 5.25% for a 30-year and 4.53% for a 5/1 ARM. Compared to the average national rates of 5.30% for a 30-year fixed-rate mortgage, 4.45% for a 15-year fixed-rate and 4.19% for a 5/1 ARM, Kentucky homeowners pay slightly higher rates for 15-year fixed-rate loans and 5/1 ARM mortgages.

Getting a low interest rate on your mortgage is important as it can help lower your monthly payments. However, individual factors like your credit score, debt-to-income ratio and loan amount also play a factor in your interest rate. However, comparing rates from different lenders will help to ensure that you get the best options available for your situation.

Keep in mind that refinance rates fluctuate daily, so estimates from lenders can change depending on when you get them.

Estimate Your New Monthly Mortgage Payment

You can use MoneyGeek’s mortgage calculator below to get an estimate of your new monthly payments. Enter your mortgage information into the calculator using the rates above to get an estimate.

Keep in mind that rates can change daily and may also vary based on individual factors like your credit score, mortgage term and loan amount.

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Frequently Asked Questions About Refinance Rates in Kentucky

To learn more about current refinance rates in Kentucky, you can look up answers to frequently asked questions below.

What is a good refinance rate in Kentucky?
What is a bad refinance rate in Kentucky?
What is a good refinance interest rate on a 30-year fixed-rate mortgage in Kentucky?
What is a good refinance interest rate on a 15-year fixed-rate mortgage in Kentucky?
What is a good refinance interest rate on a 5/1 adjustable-rate mortgage in Kentucky?
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