Bardstown Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Bardstown averaged 6.69% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 7% and one month ago for the week of 2024-10-10, the average rate was 6.53%.

    Bardstown's average rate one year ago was 7.51%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.98%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Bardstown 30 Year Fixed Rate 2024-11-14 6.69%
    Bardstown 30 Year Fixed Rate Refi 2024-11-14 6.98%
    Bardstown 15 Year Fixed Rate 2024-11-14 6.09%
    Bardstown 15 Year Fixed Rate Refi 2024-11-14 6.49%
    Bardstown 30 Year FHA 2024-11-14 -0.02%
    Bardstown 30 Year FHA Refi 2024-11-14 0.1%
    Bardstown 30 Year USDA 2024-11-14 -0.1%
    Bardstown 30 Year USDA Refi 2024-11-14 0.1%
    Bardstown 30 Year VA 2024-11-14 -0.2%
    Bardstown 30 Year VA Refi 2024-11-14 -0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bardstown, KY.

    Bardstown Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Bardstown, KY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 25 6.88% $5,069
    QUICKEN LOANS, LLC 24 6.78% $6,661
    Wilson & Muir Bank & Trust Company 22 7.12% $2,700
    Abound Federal Credit Union 13 5.90% $2,764
    Magnolia Bank 13 6.64% $3,178
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 12 7.06% $4,585
    STOCKTON MORTGAGE CORPORATION 11 6.77% $5,447
    SOUTH CENTRAL BANK, INC. 9 6.60% $2,861
    Stock Yards Bank & Trust Company 8 6.48% $5,031
    Northpointe Bank 7 6.89% $6,794
    JPMorgan Chase Bank 7 6.69% $3,626
    PARK COMMUNITY CREDIT UNION, INC. 6 6.83% $2,865
    Farm Credit Mid-America, ACA 6 6.83% $5,482
    HOMESIDE FINANCIAL, LLC 5 6.50% $7,739
    Citizens Bank 5 7.08% $4,976
    Republic Bank & Trust Company 4 6.22% $3,444
    Plains Commerce Bank 4 7.03% $5,128
    WesBanco 4 5.66% $4,729
    First Harrison Bank 4 7.21% $3,673
    L & N Federal Credit Union 4 7.31% $1,939
    THRIVE MORTGAGE, LLC 3 6.88% $3,668
    First Savings Bank 3 6.79% $7,760
    The Huntington National Bank 3 6.38% $4,237
    German American Bank 3 7.21% $3,624
    Century Mortgage Company DBA Century Lending Company 3 6.79% $4,449
    PNC Bank 3 7.17% $3,128
    CROSSCOUNTRY MORTGAGE, LLC 3 6.75% $5,248
    BROKER SOLUTIONS, INC. 3 7.13% $6,274
    ENVOY MORTGAGE, LTD 2 7.00% $5,383
    CARDINAL FINANCIAL 2 5.63% $4,253
    Carrington Mortgage Services, LLC 2 6.56% $6,145
    CMG MORTGAGE, INC. 2 7.49% $3,327
    21ST MORTGAGE CORPORATION 2 7.89% $5,414
    First Financial Bank 2 6.38% $5,471
    INTERLINC MORTGAGE SERVICES, LLC 2 7.24% $3,416
    Mr. Cooper ( Nationstar Mortgage ) 2 6.75% $6,907
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.69% $3,916
    PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.00% $4,050
    RUOFF MORTGAGE COMPANY, INC. 2 6.69% $7,465
    THE MORTGAGE WAREHOUSE,LLC 2 6.94% $3,341
    Traditional Bank, Inc. 2 6.88% $2,741
    U.S. Bank 2 7.06% $3,401
    VICTORY MORTGAGE, L.L.C. 2 5.81% $2,498
    Wells Fargo Bank 2 7.06% $8,875
    AgFirst Farm Credit Bank 1 6.63% $3,065
    FREEDOM MORTGAGE CORPORATION 1 7.50% $7,125
    FAIR WAY LENDING LLC 1 7.13% $5,750
    EVERETT FINANCIAL, INC. 1 6.63% $4,937
    T2 FINANCIAL LLC 1 7.99% $5,040
    The Citizens National Bank of Somerset 1 8.88% $1,961
    Community Trust Bank, Inc. 1 5.50% $1,978
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.50% $6,863
    Centra Credit Union 1 6.88% $3,810
    AmeriHome Mortgage Company, LLC 1 7.63% $3,839
    Truist 1 6.63% $3,611
    UNION HOME MORTGAGE CORP. 1 7.50% $3,601
    Peoples Bank 1 4.99% $1,208
    NAVY FEDERAL CREDIT UNION 1 4.88% $2,596
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.50% $8,022
    Prosperity Home Mortgage, LLC 1 7.38% $3,345
    Bank of Buffalo 1 10.00% $2,869
    Mortgage Research Center, LLC 1 5.63% $2,662
    LEADERONE FINANCIAL CORPORATION 1 7.63% $4,198

    Bardstown Average Closing Costs & Other Stats

    Bardstown, KY's 63 lenders originated 997 loans during 2023. The total origination value was $184,405,000, with an average loan value of $184,960.

    Bardstown's average closing costs are $4,679.

    The top Bardstown lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 25 loans originated. Their average total fees are $5,069, which is $1,592 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Bardstown lenders (with over 10 loans originated) are Wilson & Muir Bank & Trust Company ($2,700), Abound Federal Credit Union ($2,764), Magnolia Bank ($3,178), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,585) and UNITED WHOLESALE MORTGAGE, LLC ($5,069).

    The lowest rate Bardstown lenders (with over 10 loans originated) are Abound Federal Credit Union (5.90%), Magnolia Bank (6.64%), STOCKTON MORTGAGE CORPORATION (6.77%), QUICKEN LOANS, LLC (6.78%) and UNITED WHOLESALE MORTGAGE, LLC (6.88%).

    Bardstown, KY Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    The Lincoln National Bank of Hodgenville $13,820,000 n/a 7.5%
    QUICKEN LOANS, LLC $16,250,000 $13,525,000 -16.8% 7.3%
    UNITED WHOLESALE MORTGAGE, LLC $13,730,000 $10,565,000 -23.1% 5.7%
    Wilson & Muir Bank & Trust Company $11,715,000 $8,075,000 -31.1% 4.4%
    STOCKTON MORTGAGE CORPORATION $9,345,000 $7,660,000 -18.0% 4.2%
    Magnolia Bank $8,410,000 $7,395,000 -12.1% 4.0%
    Abound Federal Credit Union $8,850,000 $7,330,000 -17.2% 4.0%
    Northpointe Bank $5,820,000 $7,040,000 21.0% 3.8%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,870,000 $6,240,000 6.3% 3.4%
    Stock Yards Bank & Trust Company $3,290,000 $3,770,000 14.6% 2.0%
    Citizens Bank $9,365,000 $3,630,000 -61.2% 2.0%
    Mortgage Research Center, LLC $4,755,000 $3,570,000 -24.9% 1.9%
    SOUTH CENTRAL BANK, INC. $2,875,000 $3,525,000 22.6% 1.9%
    PNC Bank $5,245,000 $3,215,000 -38.7% 1.7%
    WesBanco $4,935,000 $3,120,000 -36.8% 1.7%
    FREEDOM MORTGAGE CORPORATION $3,680,000 $3,065,000 -16.7% 1.7%
    Century Mortgage Company DBA Century Lending Company $1,140,000 $2,795,000 145.2% 1.5%
    Farm Credit Mid-America, ACA $4,170,000 $2,790,000 -33.1% 1.5%
    RUOFF MORTGAGE COMPANY, INC. $3,940,000 $2,715,000 -31.1% 1.5%
    First Harrison Bank $3,990,000 $2,605,000 -34.7% 1.4%
    JPMorgan Chase Bank $2,540,000 $2,330,000 -8.3% 1.3%
    NAVY FEDERAL CREDIT UNION $985,000 $2,095,000 112.7% 1.1%
    German American Bank $1,640,000 $2,005,000 22.3% 1.1%
    HOMESIDE FINANCIAL, LLC $785,000 $1,955,000 149.0% 1.1%
    PARK COMMUNITY CREDIT UNION, INC. $2,380,000 $1,865,000 -21.6% 1.0%
    INTERLINC MORTGAGE SERVICES, LLC $1,275,000 $1,735,000 36.1% 0.9%
    EVANSVILLE TEACHERS $3,550,000 $1,715,000 -51.7% 0.9%
    Republic Bank & Trust Company $2,910,000 $1,630,000 -44.0% 0.9%
    L & N Federal Credit Union $2,590,000 $1,565,000 -39.6% 0.8%
    Prosperity Home Mortgage, LLC $1,630,000 $1,470,000 -9.8% 0.8%
    Carrington Mortgage Services, LLC $775,000 $1,435,000 85.2% 0.8%
    PLAZA HOME MORTGAGE, INC. $175,000 $1,395,000 697.1% 0.8%
    EVERETT FINANCIAL, INC. $4,195,000 $1,355,000 -67.7% 0.7%
    PENNYMAC LOAN SERVICES, LLC $1,870,000 $1,340,000 -28.3% 0.7%
    The Huntington National Bank $1,025,000 $1,295,000 26.3% 0.7%
    The Peoples Bank $1,310,000 $1,245,000 -5.0% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $2,655,000 $1,220,000 -54.0% 0.7%
    VANDERBILT MORTGAGE AND FINANCE, INC. $895,000 $1,155,000 29.1% 0.6%
    THRIVE MORTGAGE, LLC $1,250,000 $1,150,000 -8.0% 0.6%
    Plains Commerce Bank $505,000 $1,035,000 105.0% 0.6%
    West Point Bank $1,330,000 $1,025,000 -22.9% 0.6%
    CROSSCOUNTRY MORTGAGE, LLC $1,580,000 $1,020,000 -35.4% 0.6%
    SUCCESS MORTGAGE PARTNERS, INC. $1,010,000 n/a 0.5%
    MID AMERICA MORTGAGE, INC. $965,000 n/a 0.5%
    LOANDEPOT.COM, LLC $1,865,000 $950,000 -49.1% 0.5%
    BROKER SOLUTIONS, INC. $1,290,000 $910,000 -29.5% 0.5%
    Independence Bank of Kentucky $830,000 n/a 0.5%
    CARDINAL FINANCIAL $970,000 $825,000 -14.9% 0.4%
    THE MORTGAGE WAREHOUSE,LLC $825,000 n/a 0.4%
    U.S. Bank $2,135,000 $790,000 -63.0% 0.4%
    USAA Federal Savings Bank $510,000 $780,000 52.9% 0.4%
    Traditional Bank, Inc. $265,000 $765,000 188.7% 0.4%
    ENVOY MORTGAGE, LTD $1,030,000 $755,000 -26.7% 0.4%
    Wells Fargo Bank $2,030,000 $750,000 -63.1% 0.4%
    Fifth Third Bank $2,670,000 $740,000 -72.3% 0.4%
    First Financial Bank $735,000 n/a 0.4%
    AMERICAN FINANCIAL RESOURCES, INC. $730,000 n/a 0.4%
    21ST MORTGAGE CORPORATION $590,000 $710,000 20.3% 0.4%
    First Savings Bank $605,000 $705,000 16.5% 0.4%
    LEADERONE FINANCIAL CORPORATION $145,000 $645,000 344.8% 0.3%
    Discover Bank $370,000 $590,000 59.5% 0.3%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $580,000 n/a 0.3%
    NEWREZ LLC $785,000 $575,000 -26.8% 0.3%
    EMM LOANS LLC $795,000 $535,000 -32.7% 0.3%
    Old National Bank $680,000 $535,000 -21.3% 0.3%
    UNIVERSITY OF KENTUCKY $1,015,000 $535,000 -47.3% 0.3%
    Central Bank $675,000 $525,000 -22.2% 0.3%
    CMG MORTGAGE, INC. $2,420,000 $520,000 -78.5% 0.3%
    Bank of Buffalo $515,000 n/a 0.3%
    Truist $370,000 $500,000 35.1% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $545,000 $490,000 -10.1% 0.3%
    MOVEMENT MORTGAGE, LLC $520,000 $460,000 -11.5% 0.2%
    VICTORY MORTGAGE, L.L.C. $480,000 $460,000 -4.2% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $450,000 n/a 0.2%
    PROVIDENT FUNDING ASSOCIATES, L.P. $955,000 $450,000 -52.9% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $225,000 $440,000 95.6% 0.2%
    COMMONWEALTH $530,000 $425,000 -19.8% 0.2%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $440,000 $425,000 -3.4% 0.2%
    UNION HOME MORTGAGE CORP. $365,000 $410,000 12.3% 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $175,000 $390,000 122.9% 0.2%
    NEW DAY FINANCIAL, LLC $390,000 n/a 0.2%
    Equity Prime Mortgage LLC $155,000 $370,000 138.7% 0.2%
    CHERRY CREEK MORTGAGE, LLC $345,000 n/a 0.2%
    T2 FINANCIAL LLC $115,000 $345,000 200.0% 0.2%
    Flagstar Bank, FSB $685,000 $330,000 -51.8% 0.2%
    FAIR WAY LENDING LLC $975,000 $315,000 -67.7% 0.2%
    NBKC BANK $315,000 n/a 0.2%
    CITIZENS EQUITY FIRST $305,000 n/a 0.2%
    ENDEAVOR CAPITAL, LLC. $255,000 $305,000 19.6% 0.2%
    GUILD MORTGAGE COMPANY $300,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $215,000 $295,000 37.2% 0.2%
    River City Bank, Inc. $290,000 n/a 0.2%
    Peoples Bank $55,000 $280,000 409.1% 0.2%
    The Cecilian Bank $215,000 $280,000 30.2% 0.2%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $275,000 n/a 0.1%
    Community Trust Bank, Inc. $305,000 $265,000 -13.1% 0.1%
    AmeriHome Mortgage Company, LLC $185,000 $255,000 37.8% 0.1%
    AgFirst Farm Credit Bank $410,000 $245,000 -40.2% 0.1%
    Bethpage Federal Credit Union $240,000 n/a 0.1%
    CALCON MUTUAL MORTGAGE LLC $235,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $165,000 $230,000 39.4% 0.1%
    The Loan Store, Inc. $225,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $565,000 $195,000 -65.5% 0.1%
    Centra Credit Union $195,000 n/a 0.1%
    Meade County Bank $195,000 n/a 0.1%
    Peoples Bank $55,000 $195,000 254.5% 0.1%
    Whitaker Bank $460,000 $195,000 -57.6% 0.1%
    NATIONWIDE MORTGAGE BANKERS, INC. $185,000 n/a 0.1%
    The Citizens National Bank of Somerset $185,000 n/a 0.1%
    Union Savings Bank $185,000 n/a 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $1,270,000 $180,000 -85.8% 0.1%
    GUARANTEED RATE, INC. $165,000 $175,000 6.1% 0.1%
    RELIANCE FIRST CAPITAL, LLC $765,000 $175,000 -77.1% 0.1%
    The Monticello Banking Company $175,000 n/a 0.1%
    Commerce Home Mortgage, Inc. $165,000 n/a 0.1%
    MORTGAGE ACCESS CORP. $165,000 n/a 0.1%
    FIRST ALLIANCE HOME MORTGAGE, LLC $155,000 n/a 0.1%
    FirstBank $275,000 $155,000 -43.6% 0.1%
    TOP FLITE FINANCIAL, INC. $135,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $95,000 n/a 0.1%
    UNIFY FINANCIAL Credit Union $95,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $270,000 $85,000 -68.5% 0.0%
    SPRING EQ, LLC $180,000 $85,000 -52.8% 0.0%
    CLASS ACT FEDERAL CREDIT UNION $125,000 $80,000 -36.0% 0.0%
    Coastal Community Bank $80,000 n/a 0.0%
    ALLIANT CREDIT UNION $55,000 n/a 0.0%
    Advanz Federal Credit Union $45,000 n/a 0.0%
    KEMBA CREDIT UNION, INC. $45,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $205,000 $25,000 -87.8% 0.0%

    Bardstown's top lender by overall market share is The Lincoln National Bank of Hodgenville, with 7.5% market share. In second place, with 7.3%, is QUICKEN LOANS, LLC, having originated $13,525,000 in loans. In third place, with 5.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $10,565,000 in loans. In fourth place, with 4.4%, is Wilson & Muir Bank & Trust Company, having originated $8,075,000 in loans. In fifth place, with 4.2%, is STOCKTON MORTGAGE CORPORATION, having originated $7,660,000 in loans.

    Bardstown Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Bardstown (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 $185,000 (6.4%) $218,108 (0.0%) 0.00 154
    2018-02-01 $183,900 (7.4%) $213,216 (-0.7%) 0.00 156
    2018-03-01 $199,900 (12.7%) $235,839 (6.2%) 0.00 140
    2018-04-01 $199,923 (7.5%) $238,378 (0.5%) 0.00 143
    2018-05-01 $199,900 (5.5%) $242,985 (6.0%) 0.00 142
    2018-06-01 $205,000 (13.9%) $248,361 (7.9%) 0.00 159
    2018-07-01 $216,200 (5.5%) $249,654 (7.9%) 0.00 159
    2018-08-01 $219,900 (10.2%) $254,819 (15.1%) 0.00 165
    2018-09-01 $217,450 (7.4%) $241,761 (8.8%) 0.00 163
    2018-10-01 $194,825 (1.2%) $232,945 (3.1%) 0.00 168
    2018-11-01 $184,950 (-0.9%) $230,306 (0.9%) 0.00 171
    2018-12-01 $179,900 (-3.8%) $224,743 (-0.8%) 0.00 173
    2019-01-01 $182,325 (-1.5%) $223,496 (2.5%) 0.00 180
    2019-02-01 $195,650 (6.4%) $240,171 (12.6%) 0.00 167
    2019-03-01 $204,329 (2.2%) $246,556 (4.5%) 0.00 158
    2019-04-01 $204,829 (2.5%) $248,298 (4.2%) 0.00 154
    2019-05-01 $215,925 (8.0%) $252,700 (4.0%) 0.00 154
    2019-06-01 $214,500 (4.6%) $247,552 (-0.3%) 0.00 172
    2019-07-01 $208,950 (-3.4%) $241,916 (-3.1%) 0.00 171
    2019-08-01 $203,209 (-7.6%) $230,690 (-9.5%) 0.00 173
    2019-09-01 $190,098 (-12.6%) $220,780 (-8.7%) 0.00 173
    2019-10-01 $179,975 (-7.6%) $217,999 (-6.4%) 0.00 176
    2019-11-01 $179,900 (-2.7%) $229,262 (-0.5%) 0.00 178
    2019-12-01 $172,900 (-3.9%) $223,165 (-0.7%) 0.00 167
    2020-01-01 $174,950 (-4.0%) $223,081 (-0.2%) 0.00 151
    2020-02-01 $175,950 (-10.1%) $233,365 (-2.8%) 0.00 126
    2020-03-01 $182,625 (-10.6%) $236,968 (-3.9%) 0.00 130
    2020-04-01 $196,250 (-4.2%) $243,648 (-1.9%) 0.00 121
    2020-05-01 $221,050 (2.4%) $253,062 (0.1%) 0.00 109
    2020-06-01 $235,000 (9.6%) $276,388 (11.7%) 0.00 96
    2020-07-01 $262,175 (25.5%) $292,252 (20.8%) 0.00 79
    2020-08-01 $279,000 (37.3%) $301,157 (30.6%) 0.00 71
    2020-09-01 $267,925 (40.9%) $317,529 (43.8%) 0.00 72
    2020-10-01 $264,225 (46.8%) $308,883 (41.7%) 0.00 80
    2020-11-01 $245,000 (36.2%) $278,864 (21.6%) 0.00 88
    2020-12-01 $244,925 (41.7%) $272,331 (22.0%) 0.00 84
    2021-01-01 $239,000 (36.6%) $264,290 (18.5%) 0.00 75
    2021-02-01 $239,900 (36.4%) $273,775 (17.3%) 0.00 49
    2021-03-01 $235,550 (29.0%) $307,844 (29.9%) 0.00 39
    2021-04-01 $228,200 (16.3%) $377,638 (55.0%) 0.00 36
    2021-05-01 $292,500 (32.3%) $461,132 (82.2%) 0.00 31
    2021-06-01 $270,950 (15.3%) $378,177 (36.8%) 0.00 49
    2021-07-01 $285,000 (8.7%) $374,791 (28.2%) 0.00 63
    2021-08-01 $258,175 (-7.5%) $327,870 (8.9%) 0.00 86
    2021-09-01 $272,400 (1.7%) $345,269 (8.7%) 0.00 87
    2021-10-01 $269,950 (2.2%) $334,001 (8.1%) 0.00 91
    2021-11-01 $272,475 (11.2%) $335,734 (20.4%) 0.00 94
    2021-12-01 $267,475 (9.2%) $341,466 (25.4%) 0.00 83
    2022-01-01 $299,900 (25.5%) $364,973 (38.1%) 0.00 69
    2022-02-01 $289,975 (20.9%) $351,132 (28.3%) 0.00 58
    2022-03-01 $309,838 (31.5%) $364,567 (18.4%) 0.00 54
    2022-04-01 $349,900 (53.3%) $386,651 (2.4%) 0.00 53
    2022-05-01 $299,950 (2.6%) $358,312 (-22.3%) 0.00 83
    2022-06-01 $289,950 (7.0%) $334,909 (-11.4%) 0.00 98
    2022-07-01 $289,950 (1.7%) $317,690 (-15.2%) 0.00 134
    2022-08-01 $287,425 (11.3%) $319,366 (-2.6%) 0.00 152
    2022-09-01 $293,700 (7.8%) $322,986 (-6.5%) 0.00 152
    2022-10-01 $289,000 (7.1%) $316,637 (-5.2%) 0.00 171
    2022-11-01 $284,950 (4.6%) $307,077 (-8.5%) 0.00 169
    2022-12-01 $284,950 (6.5%) $306,204 (-10.3%) 0.00 142
    2023-01-01 $291,200 (-2.9%) $328,656 (-10.0%) 0.00 125
    2023-02-01 $289,938 (0.0%) $326,933 (-6.9%) 0.00 116
    2023-03-01 $289,938 (-6.4%) $321,845 (-11.7%) 0.00 112
    2023-04-01 $285,425 (-18.4%) $325,561 (-15.8%) 0.00 101
    2023-05-01 $289,950 (-3.3%) $351,470 (-1.9%) 0.00 110
    2023-06-01 $289,950 (0.0%) $338,478 (1.1%) 0.00 120
    2023-07-01 $289,950 (0.0%) $336,983 (6.1%) 0.00 98
    2023-08-01 $297,450 (3.5%) $328,319 (2.8%) 0.00 105
    2023-09-01 $314,900 (7.2%) $338,991 (5.0%) 0.00 114
    2023-10-01 $324,963 (12.4%) $345,992 (9.3%) 0.00 126
    2023-11-01 $309,988 (8.8%) $342,425 (11.5%) 0.00 132
    2023-12-01 $305,000 (7.0%) $357,400 (16.7%) 0.00 145
    2024-01-01 $308,675 (6.0%) $362,872 (10.4%) 0.00 132
    2024-02-01 $306,175 (5.6%) $364,932 (11.6%) 0.00 134
    2024-03-01 $314,900 (8.6%) $348,803 (8.4%) 0.00 116
    2024-04-01 $313,675 (9.9%) $350,058 (7.5%) 0.00 119
    2024-05-01 $299,900 (3.4%) $349,085 (-0.7%) 0.00 133
    2024-06-01 $299,900 (3.4%) $342,546 (1.2%) 0.00 131
    2024-07-01 $294,925 (1.7%) $342,022 (1.5%) 0.00 143
    2024-08-01 $299,900 (0.8%) $356,803 (8.7%) 0.00 158
    2024-09-01 $299,900 (-4.8%) $365,932 (8.0%) 0.00 153
    2024-10-01 $299,900 (-7.7%) $365,818 (5.7%) 0.00 149
    Bardstown's median listing price for 2024-10-01 was $299,900, a difference of $-25,063 (-7.7%) versus the prior year and $0 versus the prior month.

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

    Bardstown's average listing price for 2024-10-01 was $365,818, a difference of $19,826 (5.7%) versus the prior year and $-114 versus the prior month.

    For the 2024-10-01 period, Bardstown had 149 MLS listings, a difference of -4 listings (-3%) versus the prior month and 23 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bardstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,767 sqft
    2018-02-01 0 days 1,677 sqft
    2018-03-01 0 days 1,760 sqft
    2018-04-01 0 days 1,787 sqft
    2018-05-01 0 days 1,751 sqft
    2018-06-01 0 days 1,792 sqft
    2018-07-01 0 days 1,927 sqft
    2018-08-01 0 days 1,934 sqft
    2018-09-01 0 days 1,795 sqft
    2018-10-01 0 days 1,689 sqft
    2018-11-01 0 days 1,637 sqft
    2018-12-01 0 days 1,558 sqft
    2019-01-01 0 days 1,550 sqft
    2019-02-01 0 days 1,669 sqft
    2019-03-01 0 days 1,689 sqft
    2019-04-01 0 days 1,683 sqft
    2019-05-01 0 days 1,785 sqft
    2019-06-01 0 days 1,800 sqft
    2019-07-01 0 days 1,797 sqft
    2019-08-01 0 days 1,686 sqft
    2019-09-01 0 days 1,536 sqft
    2019-10-01 0 days 1,442 sqft
    2019-11-01 0 days 1,478 sqft
    2019-12-01 0 days 1,400 sqft
    2020-01-01 0 days 1,400 sqft
    2020-02-01 0 days 1,500 sqft
    2020-03-01 0 days 1,620 sqft
    2020-04-01 0 days 1,651 sqft
    2020-05-01 0 days 1,745 sqft
    2020-06-01 0 days 1,794 sqft
    2020-07-01 0 days 1,864 sqft
    2020-08-01 0 days 1,869 sqft
    2020-09-01 0 days 1,900 sqft
    2020-10-01 0 days 1,748 sqft
    2020-11-01 0 days 1,671 sqft
    2020-12-01 0 days 1,653 sqft
    2021-01-01 0 days 1,659 sqft
    2021-02-01 0 days 1,731 sqft
    2021-03-01 0 days 1,841 sqft
    2021-04-01 0 days 1,825 sqft
    2021-05-01 0 days 2,168 sqft
    2021-06-01 0 days 1,884 sqft
    2021-07-01 0 days 1,805 sqft
    2021-08-01 0 days 1,751 sqft
    2021-09-01 0 days 1,773 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,764 sqft
    2021-12-01 0 days 1,728 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,764 sqft
    2022-03-01 0 days 1,800 sqft
    2022-04-01 0 days 1,762 sqft
    2022-05-01 0 days 1,676 sqft
    2022-06-01 0 days 1,645 sqft
    2022-07-01 0 days 1,500 sqft
    2022-08-01 0 days 1,517 sqft
    2022-09-01 0 days 1,592 sqft
    2022-10-01 0 days 1,524 sqft
    2022-11-01 0 days 1,525 sqft
    2022-12-01 0 days 1,510 sqft
    2023-01-01 0 days 1,541 sqft
    2023-02-01 0 days 1,522 sqft
    2023-03-01 0 days 1,503 sqft
    2023-04-01 0 days 1,503 sqft
    2023-05-01 0 days 1,522 sqft
    2023-06-01 0 days 1,522 sqft
    2023-07-01 0 days 1,524 sqft
    2023-08-01 0 days 1,551 sqft
    2023-09-01 0 days 1,650 sqft
    2023-10-01 0 days 1,652 sqft
    2023-11-01 0 days 1,591 sqft
    2023-12-01 0 days 1,529 sqft
    2024-01-01 0 days 1,529 sqft
    2024-02-01 0 days 1,528 sqft
    2024-03-01 0 days 1,562 sqft
    2024-04-01 0 days 1,561 sqft
    2024-05-01 0 days 1,564 sqft
    2024-06-01 0 days 1,564 sqft
    2024-07-01 0 days 1,534 sqft
    2024-08-01 0 days 1,552 sqft
    2024-09-01 0 days 1,580 sqft
    2024-10-01 0 days 1,574 sqft
    Bardstown's median listing age (time on market) for 2024-10-01 was 0 days.

    Bardstown's median square footage for active listings during the 2024-10-01 period was 1,574 sqft. One year prior, the average listing was 1,652 sqft.

    Bardstown, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 587 $134,485,000 $229,106
    Cash Out Refi 124 $21,120,000 $170,323
    Other 108 $8,330,000 $77,130
    Home Improvement 94 $6,570,000 $69,894
    Refi 84 $13,900,000 $165,476

    Bardstown's most frequently cited loan purpose was Home Purchase, with 587 originations. The 2nd most popular reason was Cash Out Refi, with 124 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 334 $76,480,000 $228,982
    7-8% 228 $46,260,000 $202,895
    Over 8% 157 $14,005,000 $89,204
    5-6% 125 $26,865,000 $214,920
    3-4% 30 $920,000 $30,667
    <2.5% 21 $1,705,000 $81,190
    4-5% 10 $1,550,000 $155,000
    2.5-3% 1 $305,000 $305,000

    During 2023, Bardstown's most frequently originated rate bucket was 6-7%, with 334 originations.

    Loan Sizing (Bardstown, KY MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 362 $95,970,000 $265,110
    $100k-200k 318 $50,400,000 $158,491
    $100,000 or less 270 $13,530,000 $50,111
    $400k-600k 43 $20,435,000 $475,233
    $600k-1000k 2 $1,330,000 $665,000
    $Over $1MM 2 $2,740,000 $1,370,000

    Bardstown's loan sizing saw the bucket of loans from $200k-400k with 362 originations, totaling $95,970,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 394 $95,590,000 $242,614
    60-80% 185 $40,545,000 $219,162
    Under 20% 139 $5,265,000 $37,878
    20-40% 95 $8,305,000 $87,421
    40-60% 76 $13,740,000 $180,789
    Over 100% 17 $4,645,000 $273,235

    Bardstown's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 394 originations, totaling $95,590,000 in origination value.