Campbellsville USDA Loan Rates, Closing Costs & Stats

Campbellsville, KY

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    • 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 6.27% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

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

    The average rate for the prior week (2024-12-06) was 6.21% and one month ago for the week of 2024-11-08, the average rate was 6.22%.

    The average rate one year ago was 6.49%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.2%.

    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
    2024-11-01 $249,900 (-13.4%) $297,553 (-10.6%) 0.00 140
    Campbellsville's median listing price for 2024-11-01 was $249,900, a difference of $-38,550 (-13.4%) versus the prior year and $-21,325 versus the prior month.

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

    Campbellsville's average listing price for 2024-11-01 was $297,553, a difference of $-35,174 (-10.6%) versus the prior year and $-16,506 versus the prior month.

    For the 2024-11-01 period, Campbellsville had 140 MLS listings, a difference of 19 listings (16%) versus the prior month and 54 listings (63%) 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
    2024-11-01 0 days 1,565 sqft
    Campbellsville's median listing age (time on market) for 2024-11-01 was 0 days.

    Campbellsville's median square footage for active listings during the 2024-11-01 period was 1,565 sqft. One year prior, the average listing was 1,898 sqft.