Campbellsville USDA Loan Rates, Closing Costs & Stats

Campbellsville, KY

USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

Campbellsville's 9 lenders originated 23 USDA loans during 2023. The total origination value was $3,235,000, with an average USDA loan value of $140,652.

Campbellsville USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Campbellsville averaged 0.07% for the week of 2024-11-29, compared to the national average (all USDA variants) of 0% for the same period.

Campbellsville's average USDA mortgage closing costs are $4,399.

The average rate for the prior week (2024-11-22) was 6.37% and one month ago for the week of 2024-10-25, the average rate was 6.37%.

The average rate one year ago was 6.77%.

For refis of the same type during the week of 2024-11-29, the average rate was 0.2%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Campbellsville USDA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Campbellsville level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
STOCKTON MORTGAGE CORPORATION 9 6.65% $7,770
GoPrime Mortgage, Inc. 4 6.78% $2,969
UNITED WHOLESALE MORTGAGE, LLC 2 5.69% $5,197
Magnolia Bank 2 6.69% $5,263
Northpointe Bank 2 6.00% $7,072
U.S. Bank 1 6.75% $5,173
HOMESIDE FINANCIAL, LLC 1 5.63% $9,158
Sierra Pacific Mortgage Company, Inc. 1 5.00% $12,505
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.75% $5,731

The top Campbellsville USDA lender as defined by loan originations is STOCKTON MORTGAGE CORPORATION, with 9 USDA loans originated. Their average total fees are $7,770, which is $4,801 higher than the next largest lender, GoPrime Mortgage, Inc..

The lowest fee Campbellsville USDA lenders (with over 10 loans originated) are .

The lowest rate Campbellsville USDA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Campbellsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $149,900 (-5.7%) $156,198 (-13.7%) 0.00 101
2018-02-01 $153,650 (-1.4%) $160,307 (-8.1%) 0.00 95
2018-03-01 $159,900 (3.9%) $164,240 (-3.3%) 0.00 88
2018-04-01 $157,175 (-0.1%) $157,264 (-15.5%) 0.00 94
2018-05-01 $159,450 (7.1%) $161,699 (-10.9%) 0.00 95
2018-06-01 $154,950 (4.1%) $154,996 (-11.2%) 0.00 95
2018-07-01 $158,000 (-3.0%) $158,286 (-10.1%) 0.00 101
2018-08-01 $149,975 (0.0%) $153,140 (-11.2%) 0.00 99
2018-09-01 $149,900 (-11.8%) $147,680 (-15.8%) 0.00 119
2018-10-01 $139,900 (-6.7%) $146,628 (-6.0%) 0.00 123
2018-11-01 $147,050 (-1.9%) $146,659 (-4.3%) 0.00 119
2018-12-01 $134,900 (-9.9%) $144,716 (-7.8%) 0.00 117
2019-01-01 $137,500 (-8.3%) $151,701 (-2.9%) 0.00 101
2019-02-01 $138,700 (-9.7%) $151,516 (-5.5%) 0.00 99
2019-03-01 $133,193 (-16.7%) $149,174 (-9.2%) 0.00 99
2019-04-01 $128,168 (-18.5%) $152,071 (-3.3%) 0.00 100
2019-05-01 $140,675 (-11.8%) $164,573 (1.8%) 0.00 90
2019-06-01 $138,000 (-10.9%) $164,286 (6.0%) 0.00 89
2019-07-01 $139,900 (-11.5%) $172,566 (9.0%) 0.00 88
2019-08-01 $140,964 (-6.0%) $179,009 (16.9%) 0.00 91
2019-09-01 $138,734 (-7.5%) $176,275 (19.4%) 0.00 98
2019-10-01 $138,248 (-1.2%) $174,552 (19.0%) 0.00 103
2019-11-01 $132,900 (-9.6%) $172,115 (17.4%) 0.00 100
2019-12-01 $124,800 (-7.5%) $162,526 (12.3%) 0.00 100
2020-01-01 $123,375 (-10.3%) $163,733 (7.9%) 0.00 99
2020-02-01 $136,250 (-1.8%) $172,750 (14.0%) 0.00 86
2020-03-01 $138,850 (4.3%) $180,433 (21.0%) 0.00 76
2020-04-01 $135,000 (5.3%) $185,300 (21.9%) 0.00 68
2020-05-01 $143,500 (2.0%) $187,122 (13.7%) 0.00 67
2020-06-01 $142,600 (3.3%) $188,578 (14.8%) 0.00 65
2020-07-01 $142,750 (2.0%) $197,431 (14.4%) 0.00 56
2020-08-01 $148,800 (5.6%) $214,984 (20.1%) 0.00 54
2020-09-01 $181,950 (31.2%) $237,488 (34.7%) 0.00 50
2020-10-01 $179,900 (30.1%) $230,834 (32.2%) 0.00 55
2020-11-01 $161,700 (21.7%) $228,061 (32.5%) 0.00 57
2020-12-01 $174,900 (40.1%) $236,936 (45.8%) 0.00 44
2021-01-01 $171,200 (38.8%) $227,717 (39.1%) 0.00 48
2021-02-01 $167,350 (22.8%) $228,141 (32.1%) 0.00 43
2021-03-01 $176,150 (26.9%) $224,603 (24.5%) 0.00 47
2021-04-01 $172,750 (28.0%) $210,254 (13.5%) 0.00 46
2021-05-01 $189,500 (32.1%) $276,360 (47.7%) 0.00 32
2021-06-01 $201,375 (41.2%) $290,330 (54.0%) 0.00 34
2021-07-01 $229,000 (60.4%) $281,621 (42.6%) 0.00 43
2021-08-01 $246,450 (65.6%) $282,066 (31.2%) 0.00 51
2021-09-01 $244,864 (34.6%) $273,843 (15.3%) 0.00 70
2021-10-01 $234,839 (30.5%) $274,045 (18.7%) 0.00 67
2021-11-01 $223,475 (38.2%) $292,019 (28.0%) 0.00 62
2021-12-01 $224,725 (28.5%) $307,180 (29.7%) 0.00 55
2022-01-01 $205,450 (20.0%) $276,194 (21.3%) 0.00 59
2022-02-01 $204,000 (21.9%) $295,052 (29.3%) 0.00 58
2022-03-01 $223,225 (26.7%) $308,255 (37.2%) 0.00 56
2022-04-01 $242,450 (40.4%) $319,353 (51.9%) 0.00 61
2022-05-01 $249,900 (31.9%) $321,978 (16.5%) 0.00 62
2022-06-01 $247,200 (22.8%) $305,030 (5.1%) 0.00 67
2022-07-01 $229,000 (0.0%) $307,416 (9.2%) 0.00 74
2022-08-01 $219,900 (-10.8%) $23,524,874 (8,240.2%) 0.00 89
2022-09-01 $227,500 (-7.1%) $311,677 (13.8%) 0.00 95
2022-10-01 $235,000 (0.1%) $304,223 (11.0%) 0.00 97
2022-11-01 $229,975 (2.9%) $293,548 (0.5%) 0.00 93
2022-12-01 $226,000 (0.6%) $293,408 (-4.5%) 0.00 91
2023-01-01 $213,650 (4.0%) $274,252 (-0.7%) 0.00 71
2023-02-01 $198,225 (-2.8%) $267,546 (-9.3%) 0.00 72
2023-03-01 $235,900 (5.7%) $299,794 (-2.7%) 0.00 72
2023-04-01 $242,250 (-0.1%) $321,435 (0.7%) 0.00 72
2023-05-01 $256,000 (2.4%) $336,025 (4.4%) 0.00 78
2023-06-01 $299,675 (21.2%) $343,532 (12.6%) 0.00 81
2023-07-01 $298,500 (30.4%) $346,940 (12.9%) 0.00 87
2023-08-01 $296,450 (34.8%) $350,489 (-98.5%) 0.00 84
2023-09-01 $294,900 (29.6%) $348,869 (11.9%) 0.00 82
2023-10-01 $296,350 (26.1%) $344,801 (13.3%) 0.00 81
2023-11-01 $288,450 (25.4%) $332,727 (13.4%) 0.00 86
2023-12-01 $279,900 (23.9%) $332,162 (13.2%) 0.00 87
2024-01-01 $293,650 (37.4%) $338,936 (23.6%) 0.00 87
2024-02-01 $279,000 (40.8%) $325,340 (21.6%) 0.00 80
2024-03-01 $274,450 (16.3%) $321,670 (7.3%) 0.00 80
2024-04-01 $264,250 (9.1%) $325,356 (1.2%) 0.00 91
2024-05-01 $262,700 (2.6%) $318,464 (-5.2%) 0.00 89
2024-06-01 $269,750 (-10.0%) $337,386 (-1.8%) 0.00 91
2024-07-01 $279,675 (-6.3%) $354,264 (2.1%) 0.00 94
2024-08-01 $289,500 (-2.3%) $337,810 (-3.6%) 0.00 100
2024-09-01 $279,000 (-5.4%) $325,640 (-6.7%) 0.00 117
2024-10-01 $271,225 (-8.5%) $314,059 (-8.9%) 0.00 121
Campbellsville's median listing price for 2024-10-01 was $271,225, a difference of $-25,125 (-8.5%) versus the prior year and $-7,775 versus the prior month.

Campbellsville's median listing price comes in at 0% of the national average.

Campbellsville's average listing price for 2024-10-01 was $314,059, a difference of $-30,742 (-8.9%) versus the prior year and $-11,581 versus the prior month.

For the 2024-10-01 period, Campbellsville had 121 MLS listings, a difference of 4 listings (3%) versus the prior month and 40 listings (49%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Campbellsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,710 sqft
2018-02-01 0 days 1,787 sqft
2018-03-01 0 days 1,704 sqft
2018-04-01 0 days 1,695 sqft
2018-05-01 0 days 1,684 sqft
2018-06-01 0 days 1,677 sqft
2018-07-01 0 days 1,692 sqft
2018-08-01 0 days 1,665 sqft
2018-09-01 0 days 1,664 sqft
2018-10-01 0 days 1,660 sqft
2018-11-01 0 days 1,496 sqft
2018-12-01 0 days 1,483 sqft
2019-01-01 0 days 1,510 sqft
2019-02-01 0 days 1,583 sqft
2019-03-01 0 days 1,597 sqft
2019-04-01 0 days 1,612 sqft
2019-05-01 0 days 1,572 sqft
2019-06-01 0 days 1,485 sqft
2019-07-01 0 days 1,620 sqft
2019-08-01 0 days 1,709 sqft
2019-09-01 0 days 1,685 sqft
2019-10-01 0 days 1,716 sqft
2019-11-01 0 days 1,724 sqft
2019-12-01 0 days 1,700 sqft
2020-01-01 0 days 1,703 sqft
2020-02-01 0 days 1,736 sqft
2020-03-01 0 days 1,808 sqft
2020-04-01 0 days 1,771 sqft
2020-05-01 0 days 1,851 sqft
2020-06-01 0 days 1,801 sqft
2020-07-01 0 days 1,665 sqft
2020-08-01 0 days 1,680 sqft
2020-09-01 0 days 1,808 sqft
2020-10-01 0 days 1,808 sqft
2020-11-01 0 days 1,763 sqft
2020-12-01 0 days 1,912 sqft
2021-01-01 0 days 2,024 sqft
2021-02-01 0 days 2,025 sqft
2021-03-01 0 days 1,973 sqft
2021-04-01 0 days 1,804 sqft
2021-05-01 0 days 1,695 sqft
2021-06-01 0 days 1,733 sqft
2021-07-01 0 days 1,795 sqft
2021-08-01 0 days 1,930 sqft
2021-09-01 0 days 1,875 sqft
2021-10-01 0 days 1,664 sqft
2021-11-01 0 days 1,577 sqft
2021-12-01 0 days 1,719 sqft
2022-01-01 0 days 1,492 sqft
2022-02-01 0 days 1,468 sqft
2022-03-01 0 days 1,536 sqft
2022-04-01 0 days 1,628 sqft
2022-05-01 0 days 1,784 sqft
2022-06-01 0 days 1,829 sqft
2022-07-01 0 days 1,754 sqft
2022-08-01 0 days 1,775 sqft
2022-09-01 0 days 1,870 sqft
2022-10-01 0 days 1,837 sqft
2022-11-01 0 days 1,841 sqft
2022-12-01 0 days 1,800 sqft
2023-01-01 0 days 1,542 sqft
2023-02-01 0 days 1,586 sqft
2023-03-01 0 days 1,754 sqft
2023-04-01 0 days 1,652 sqft
2023-05-01 0 days 1,938 sqft
2023-06-01 0 days 1,908 sqft
2023-07-01 0 days 1,902 sqft
2023-08-01 0 days 1,805 sqft
2023-09-01 0 days 1,866 sqft
2023-10-01 0 days 2,012 sqft
2023-11-01 0 days 1,898 sqft
2023-12-01 0 days 1,824 sqft
2024-01-01 0 days 1,902 sqft
2024-02-01 0 days 1,840 sqft
2024-03-01 0 days 1,750 sqft
2024-04-01 0 days 1,665 sqft
2024-05-01 0 days 1,523 sqft
2024-06-01 0 days 1,550 sqft
2024-07-01 0 days 1,657 sqft
2024-08-01 0 days 1,692 sqft
2024-09-01 0 days 1,609 sqft
2024-10-01 0 days 1,603 sqft
Campbellsville's median listing age (time on market) for 2024-10-01 was 0 days.

Campbellsville's median square footage for active listings during the 2024-10-01 period was 1,603 sqft. One year prior, the average listing was 2,012 sqft.