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 6.81% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 7.04% and one month ago for the week of 2023-02-09, the average rate was 6.33%.

    Bardstown's average rate one year ago was 3.54%.

    For refis of the same type during the week of 2023-03-16, the average rate was 6.72%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Bardstown 30 Year Fixed Rate 2023-03-16 6.81%
    Bardstown 30 Year Fixed Rate Refi 2023-03-16 6.72%
    Bardstown 15 Year Fixed Rate 2023-03-16 6.19%
    Bardstown 15 Year Fixed Rate Refi 2023-03-16 6.24%
    Bardstown 30 Year FHA 2023-03-16 6.38%
    Bardstown 30 Year FHA Refi 2023-03-16 6.44%
    Bardstown 30 Year USDA 2023-03-16 6.37%
    Bardstown 30 Year USDA Refi 2023-03-16 5.92%
    Bardstown 30 Year VA 2023-03-16 6.12%
    Bardstown 30 Year VA Refi 2023-03-16 5.66%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    QUICKEN LOANS, LLC 37 4.82% $5,163
    Wilson & Muir Bank & Trust Company 35 4.80% $2,139
    UNITED WHOLESALE MORTGAGE, LLC 24 5.79% $4,452
    STOCKTON MORTGAGE CORPORATION 24 4.92% $4,540
    Magnolia Bank 19 4.66% $4,083
    Northpointe Bank 18 4.92% $4,382
    Citizens Bank 17 4.84% $4,523
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 4.92% $4,492
    Abound Federal Credit Union 14 4.49% $2,235
    L & N Federal Credit Union 11 5.13% $2,189
    Farm Credit Mid-America, ACA 10 4.95% $6,927
    WesBanco Bank, Inc. 10 5.04% $3,919
    PARK COMMUNITY CREDIT UNION, INC. 10 5.13% $2,526
    First Harrison Bank 10 4.86% $2,817
    RUOFF MORTGAGE COMPANY, INC. 9 5.86% $4,080
    AMERISAVE MORTGAGE CORPORATION 9 4.67% $5,715
    HOME POINT FINANCIAL CORPORATION 8 4.26% $5,022
    JPMorgan Chase Bank 8 4.86% $5,697
    Wells Fargo Bank 8 5.17% $3,880
    SOUTH CENTRAL BANK, INC. 7 5.59% $2,829
    Stock Yards Bank & Trust Company 7 4.86% $2,814
    Republic Bank & Trust Company 6 5.02% $5,000
    Fifth Third Bank 6 5.07% $3,192
    Mr. Cooper ( Nationstar Mortgage ) 6 4.60% $6,635
    PNC Bank 6 5.17% $3,301
    U.S. Bank 6 4.73% $2,846
    CMG MORTGAGE, INC. 5 3.45% $3,653
    German American Bank 5 4.40% $2,750
    Prosperity Home Mortgage, LLC 4 5.16% $3,815
    LOANDEPOT.COM, LLC 4 5.00% $4,474
    EVANSVILLE TEACHERS 4 4.63% $3,005
    GUARANTY HOME MORTGAGE CORPORATION 4 6.13% $5,512
    EVERETT FINANCIAL, INC. 3 5.46% $2,063
    TRANSCEND 3 4.08% $2,818
    NAVY FEDERAL CREDIT UNION 3 6.46% $5,664
    The Peoples Bank 3 6.08% $2,248
    The Huntington National Bank 3 5.13% $5,173
    AMERICAN MORTGAGE SERVICE COMPANY 3 6.04% $3,646
    INTERLINC MORTGAGE SERVICES, LLC 3 5.08% $5,483
    First Savings Bank 3 6.13% $4,155
    Plains Commerce Bank 3 5.62% $3,755
    PENNYMAC LOAN SERVICES, LLC 3 5.46% $7,017
    Paramount Residential Mortgage Group, Inc. 3 5.33% $4,181
    Discover Bank 3 4.74% $0
    CROSSCOUNTRY MORTGAGE, LLC 2 5.69% $5,289
    DRAPER AND KRAMER MORTGAGE CORP. 2 4.25% $3,705
    EMBRACE HOME LOANS, INC. 2 4.75% $4,602
    Commonwealth Bank and Trust Company 2 4.25% $2,717
    FAIR WAY LENDING LLC 2 5.75% $7,009
    Flagstar Bank, FSB 2 3.15% $2,740
    FREEDOM MORTGAGE CORPORATION 2 5.06% $4,114
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 5.43% $5,862
    BROKER SOLUTIONS, INC. 2 3.87% $6,174
    AgFirst Farm Credit Bank 2 5.38% $4,310
    BEST CAPITAL FUNDING 2 3.81% $1,789
    PROVIDENT FUNDING ASSOCIATES, L.P. 2 4.75% $3,620
    21ST MORTGAGE CORPORATION 2 4.63% $6,131
    ROYAL UNITED MORTGAGE LLC 2 4.94% $6,037
    Bank of America 2 3.44% $3,908
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.44% $5,863
    THRIVE MORTGAGE, LLC 2 6.25% $2,741
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 2 4.69% $3,181
    BAY EQUITY LLC 1 4.38% $3,375
    PARTNERS UNITED FINANCIAL, LLC 1 5.63% $6,071
    Carrington Mortgage Services, LLC 1 3.50% $5,672
    HOMESIDE FINANCIAL, LLC 1 3.38% $2,128
    PLAZA HOME MORTGAGE, INC. 1 4.75% $3,206
    Whitaker Bank 1 4.88% $570
    Central Bank & Trust Company 1 2.88% $1,429
    UNITED MORTGAGE CORP. 1 3.75% $4,723
    Barrington Bank & Trust Company, N.A. 1 3.25% $3,617
    Regions Bank 1 3.25% $3,009
    AMERICAN FINANCING CORPORATION 1 4.00% $1,800
    Republic State Mortgage Co. 1 5.13% $4,903
    ROSS MORTGAGE CORPORATION 1 5.25% $4,290
    ACADEMY MORTGAGE CORPORATION 1 4.50% $3,834
    Community Trust Bank, Inc. 1 4.00% $1,509
    SmartBank 1 3.50% $3,592
    AmeriHome Mortgage Company, LLC 1 3.99% $2,075
    SOUTHWEST FUNDING, LP 1 5.50% $5,705
    COMPASS MORTGAGE, INC. 1 3.25% $3,155
    FIRST COMMUNITY MORTGAGE, INC. 1 5.25% $5,490
    Ally Bank 1 2.75% $4,411
    COMMONWEALTH 1 2.88% $2,169
    EMM LOANS LLC 1 6.38% $5,621
    Traditional Bank, Inc. 1 5.63% $3,069
    MOVEMENT MORTGAGE, LLC 1 5.50% $6,876
    ENDEAVOR CAPITAL, LLC. 1 5.88% $7,268
    MUTUAL OF OMAHA MORTGAGE, INC. 1 3.88% $4,105
    Marquette Bank 1 4.50% $4,861
    NEWREZ LLC 1 6.99% $5,454
    North American Savings Bank, F.S.B. 1 5.75% $2,733
    UNION HOME MORTGAGE CORP. 1 5.75% $2,505
    Old National Bank 1 4.00% $2,906
    LEADERONE FINANCIAL CORPORATION 1 5.88% $3,365

    Bardstown Average Closing Costs & Other Stats

    Bardstown, KY's 95 lenders originated 1,230 loans during 2022. The total origination value was $233,950,000, with an average loan value of $190,203.

    Bardstown's average closing costs are $4,423.

    The top Bardstown lender as defined by loan originations is QUICKEN LOANS, LLC, with 37 loans originated. Their average total fees are $5,163, which is $3,024 higher than the next largest lender, Wilson & Muir Bank & Trust Company.

    The lowest fee Bardstown lenders (with over 10 loans originated) are Wilson & Muir Bank & Trust Company ($2,139), L & N Federal Credit Union ($2,189), Abound Federal Credit Union ($2,235), PARK COMMUNITY CREDIT UNION, INC. ($2,526) and First Harrison Bank ($2,817).

    The lowest rate Bardstown lenders (with over 10 loans originated) are Abound Federal Credit Union (4.49%), Magnolia Bank (4.66%), Wilson & Muir Bank & Trust Company (4.80%), QUICKEN LOANS, LLC (4.82%) and Citizens Bank (4.84%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    QUICKEN LOANS, LLC $28,350,000 $16,250,000 -42.7% 6.9%
    UNITED WHOLESALE MORTGAGE, LLC $10,950,000 $13,730,000 25.4% 5.9%
    Wilson & Muir Bank & Trust Company $19,165,000 $11,715,000 -38.9% 5.0%
    Citizens Bank $15,945,000 $9,365,000 -41.3% 4.0%
    STOCKTON MORTGAGE CORPORATION $18,500,000 $9,345,000 -49.5% 4.0%
    Abound Federal Credit Union $11,720,000 $8,850,000 -24.5% 3.8%
    Magnolia Bank $18,135,000 $8,410,000 -53.6% 3.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $7,540,000 $5,870,000 -22.1% 2.5%
    Northpointe Bank $2,040,000 $5,820,000 185.3% 2.5%
    Midwest BankCentre $5,655,000 n/a 2.4%
    PNC Bank $6,355,000 $5,245,000 -17.5% 2.2%
    WesBanco Bank, Inc. $5,260,000 $4,935,000 -6.2% 2.1%
    HOME POINT FINANCIAL CORPORATION $12,580,000 $4,895,000 -61.1% 2.1%
    Mortgage Research Center, LLC $8,150,000 $4,755,000 -41.7% 2.0%
    EVERETT FINANCIAL, INC. $2,580,000 $4,195,000 62.6% 1.8%
    Farm Credit Mid-America, ACA $8,675,000 $4,170,000 -51.9% 1.8%
    First Harrison Bank $3,460,000 $3,990,000 15.3% 1.7%
    RUOFF MORTGAGE COMPANY, INC. $2,075,000 $3,940,000 89.9% 1.7%
    FREEDOM MORTGAGE CORPORATION $14,455,000 $3,680,000 -74.5% 1.6%
    EVANSVILLE TEACHERS $1,460,000 $3,550,000 143.2% 1.5%
    Stock Yards Bank & Trust Company $3,895,000 $3,290,000 -15.5% 1.4%
    AMERISAVE MORTGAGE CORPORATION $3,515,000 $3,235,000 -8.0% 1.4%
    Republic Bank & Trust Company $3,760,000 $2,910,000 -22.6% 1.2%
    SOUTH CENTRAL BANK, INC. $5,125,000 $2,875,000 -43.9% 1.2%
    AMERICAN MORTGAGE SERVICE COMPANY $2,775,000 $2,735,000 -1.4% 1.2%
    Fifth Third Bank $3,630,000 $2,670,000 -26.4% 1.1%
    Mr. Cooper ( Nationstar Mortgage ) $3,405,000 $2,655,000 -22.0% 1.1%
    L & N Federal Credit Union $4,895,000 $2,590,000 -47.1% 1.1%
    JPMorgan Chase Bank $3,670,000 $2,540,000 -30.8% 1.1%
    CMG MORTGAGE, INC. $1,770,000 $2,420,000 36.7% 1.0%
    PARK COMMUNITY CREDIT UNION, INC. $700,000 $2,380,000 240.0% 1.0%
    Paramount Residential Mortgage Group, Inc. $1,040,000 $2,325,000 123.6% 1.0%
    U.S. Bank $4,005,000 $2,135,000 -46.7% 0.9%
    Wells Fargo Bank $3,980,000 $2,030,000 -49.0% 0.9%
    PENNYMAC LOAN SERVICES, LLC $7,230,000 $1,870,000 -74.1% 0.8%
    LOANDEPOT.COM, LLC $2,890,000 $1,865,000 -35.5% 0.8%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $2,385,000 $1,725,000 -27.7% 0.7%
    German American Bank $1,640,000 n/a 0.7%
    Prosperity Home Mortgage, LLC $4,115,000 $1,630,000 -60.4% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $2,710,000 $1,580,000 -41.7% 0.7%
    West Point Bank $1,330,000 n/a 0.6%
    The Peoples Bank $1,310,000 n/a 0.6%
    BROKER SOLUTIONS, INC. $1,625,000 $1,290,000 -20.6% 0.6%
    INTERLINC MORTGAGE SERVICES, LLC $2,700,000 $1,275,000 -52.8% 0.5%
    DRAPER AND KRAMER MORTGAGE CORP. $2,005,000 $1,270,000 -36.7% 0.5%
    THRIVE MORTGAGE, LLC $985,000 $1,250,000 26.9% 0.5%
    Barrington Bank & Trust Company, N.A. $210,000 $1,205,000 473.8% 0.5%
    Century Mortgage Company DBA Century Lending Company $1,440,000 $1,140,000 -20.8% 0.5%
    ENVOY MORTGAGE, LTD $885,000 $1,030,000 16.4% 0.4%
    The Huntington National Bank $475,000 $1,025,000 115.8% 0.4%
    UNIVERSITY OF KENTUCKY $680,000 $1,015,000 49.3% 0.4%
    NAVY FEDERAL CREDIT UNION $1,320,000 $985,000 -25.4% 0.4%
    FAIR WAY LENDING LLC $1,570,000 $975,000 -37.9% 0.4%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $505,000 $970,000 92.1% 0.4%
    PROVIDENT FUNDING ASSOCIATES, L.P. $1,075,000 $955,000 -11.2% 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,165,000 $895,000 -23.2% 0.4%
    Bank of America $320,000 $865,000 170.3% 0.4%
    AMERIFIRST FINANCIAL CORPORATION $1,735,000 $830,000 -52.2% 0.4%
    GUARANTY HOME MORTGAGE CORPORATION $1,325,000 $830,000 -37.4% 0.4%
    EMM LOANS LLC $795,000 n/a 0.3%
    HOMESIDE FINANCIAL, LLC $340,000 $785,000 130.9% 0.3%
    NEWREZ LLC $1,280,000 $785,000 -38.7% 0.3%
    Carrington Mortgage Services, LLC $1,960,000 $775,000 -60.5% 0.3%
    The Federal Savings Bank $1,145,000 $775,000 -32.3% 0.3%
    RELIANCE FIRST CAPITAL, LLC $785,000 $765,000 -2.5% 0.3%
    Flagstar Bank, FSB $455,000 $685,000 50.5% 0.3%
    Old National Bank $680,000 n/a 0.3%
    Central Bank & Trust Company $645,000 $675,000 4.7% 0.3%
    TRANSCEND $625,000 n/a 0.3%
    First Savings Bank $815,000 $605,000 -25.8% 0.3%
    21ST MORTGAGE CORPORATION $105,000 $590,000 461.9% 0.3%
    CALIBER HOME LOANS, INC. $2,625,000 $565,000 -78.5% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $675,000 $545,000 -19.3% 0.2%
    COMMONWEALTH $945,000 $530,000 -43.9% 0.2%
    MOVEMENT MORTGAGE, LLC $1,250,000 $520,000 -58.4% 0.2%
    USAA Federal Savings Bank $1,020,000 $510,000 -50.0% 0.2%
    Plains Commerce Bank $505,000 n/a 0.2%
    Republic State Mortgage Co. $1,420,000 $490,000 -65.5% 0.2%
    Hometown Lenders, Inc. $1,355,000 $480,000 -64.6% 0.2%
    VICTORY MORTGAGE, L.L.C. $265,000 $480,000 81.1% 0.2%
    VILLAGE CAPITAL MORTGAGE $1,035,000 $475,000 -54.1% 0.2%
    Whitaker Bank $460,000 n/a 0.2%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $145,000 $440,000 203.4% 0.2%
    Gateway First Bank $425,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $95,000 $415,000 336.8% 0.2%
    AgFirst Farm Credit Bank $530,000 $410,000 -22.6% 0.2%
    AMERICAN ADVISORS GROUP $400,000 n/a 0.2%
    North American Savings Bank, F.S.B. $225,000 $380,000 68.9% 0.2%
    Discover Bank $370,000 n/a 0.2%
    Truist $1,370,000 $370,000 -73.0% 0.2%
    UNION HOME MORTGAGE CORP. $825,000 $365,000 -55.8% 0.2%
    Commonwealth Bank and Trust Company $7,710,000 $320,000 -95.8% 0.1%
    ROYAL UNITED MORTGAGE LLC $340,000 $315,000 -7.4% 0.1%
    Community Trust Bank, Inc. $1,475,000 $305,000 -79.3% 0.1%
    COMPASS MORTGAGE, INC. $295,000 n/a 0.1%
    DAS Acquisition Company, LLC $555,000 $295,000 -46.8% 0.1%
    SmartBank $295,000 n/a 0.1%
    EMBRACE HOME LOANS, INC. $300,000 $280,000 -6.7% 0.1%
    FirstBank $275,000 n/a 0.1%
    PANORAMA MORTGAGE GROUP, LLC $275,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $1,030,000 $270,000 -73.8% 0.1%
    BETTER MORTGAGE CORPORATION $1,755,000 $265,000 -84.9% 0.1%
    PARTNERS UNITED FINANCIAL, LLC $515,000 $265,000 -48.5% 0.1%
    Traditional Bank, Inc. $265,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $255,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $1,485,000 $225,000 -84.8% 0.1%
    Marquette Bank $225,000 n/a 0.1%
    GENEVA FINANCIAL, LLC $220,000 n/a 0.1%
    Armed Forces Bank $215,000 n/a 0.1%
    COMMUNITY MORTGAGE CORPORATION $215,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $215,000 n/a 0.1%
    The Cecilian Bank $215,000 n/a 0.1%
    BEST CAPITAL FUNDING $320,000 $210,000 -34.4% 0.1%
    CLEARPATH LENDING $155,000 $205,000 32.3% 0.1%
    ROSS MORTGAGE CORPORATION $205,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $205,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $1,000,000 $195,000 -80.5% 0.1%
    AmeriHome Mortgage Company, LLC $330,000 $185,000 -43.9% 0.1%
    BAY EQUITY LLC $3,695,000 $185,000 -95.0% 0.1%
    FBC MORTGAGE, LLC $235,000 $185,000 -21.3% 0.1%
    SPRING EQ, LLC $255,000 $180,000 -29.4% 0.1%
    Ally Bank $115,000 $175,000 52.2% 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $215,000 $175,000 -18.6% 0.1%
    HAMILTON HOME LOANS, INC. $570,000 $175,000 -69.3% 0.1%
    PLAZA HOME MORTGAGE, INC. $740,000 $175,000 -76.4% 0.1%
    GUARANTEED RATE, INC. $470,000 $165,000 -64.9% 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $1,505,000 $165,000 -89.0% 0.1%
    Equity Prime Mortgage LLC $295,000 $155,000 -47.5% 0.1%
    LENDINGHOME FUNDING CORPORATION $155,000 n/a 0.1%
    UNITED MORTGAGE CORP. $155,000 n/a 0.1%
    LEADERONE FINANCIAL CORPORATION $820,000 $145,000 -82.3% 0.1%
    CLASS ACT FEDERAL CREDIT UNION $210,000 $125,000 -40.5% 0.1%
    T2 FINANCIAL LLC $115,000 n/a 0.0%
    SOUTHWEST FUNDING, LP $115,000 $105,000 -8.7% 0.0%
    ANGEL OAK HOME LOANS LLC $95,000 n/a 0.0%
    Transportation Federal Credit Union $95,000 n/a 0.0%
    ACADEMY MORTGAGE CORPORATION $145,000 $85,000 -41.4% 0.0%
    M&T Bank $990,000 $85,000 -91.4% 0.0%
    Regions Bank $375,000 $85,000 -77.3% 0.0%
    Limestone Bank, Inc. $75,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $65,000 n/a 0.0%
    Peoples Bank $1,360,000 $55,000 -96.0% 0.0%
    Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

    Bardstown's top lender by overall market share is QUICKEN LOANS, LLC, with 6.9% market share. In second place, with 5.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $13,730,000 in loans. In third place, with 5.0%, is Wilson & Muir Bank & Trust Company, having originated $11,715,000 in loans. In fourth place, with 4.0%, is Citizens Bank, having originated $9,365,000 in loans. In fifth place, with 4.0%, is STOCKTON MORTGAGE CORPORATION, having originated $9,345,000 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%) $246,521 (4.5%) 0.00 158
    2019-04-01 $204,829 (2.5%) $248,263 (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 $294,950 (8.3%) $324,836 (-5.9%) 0.00 153
    2022-10-01 $289,450 (7.2%) $318,426 (-4.7%) 0.00 172
    2022-11-01 $284,950 (4.6%) $308,833 (-8.0%) 0.00 170
    2022-12-01 $284,950 (6.5%) $307,766 (-9.9%) 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
    Bardstown's median listing price for 2023-02-01 was $289,938, a difference of $-37 (0.0%) versus the prior year and $-1,262 versus the prior month.

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

    Bardstown's average listing price for 2023-02-01 was $326,933, a difference of $-24,199 (-6.9%) versus the prior year and $-1,723 versus the prior month.

    For the 2023-02-01 period, Bardstown had 116 MLS listings, a difference of -9 listings (-7%) versus the prior month and 58 listings (100%) 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 1,652 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 1,770 sqft
    2021-12-01 0 days 1,751 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 1,667 sqft
    2022-06-01 0 days 1,624 sqft
    2022-07-01 0 days 1,495 sqft
    2022-08-01 0 days 1,515 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
    Bardstown's median listing age (time on market) for 2023-02-01 was 0 days.

    Bardstown's median square footage for active listings during the 2023-02-01 period was 1,522 sqft. One year prior, the average listing was 1,764 sqft.

    Bardstown, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 674 $153,080,000 $227,122
    Cash Out Refi 229 $40,765,000 $178,013
    Refi 155 $26,895,000 $173,516
    Home Improvement 101 $7,595,000 $75,198
    Other 70 $5,450,000 $77,857
    NA 1 $165,000 $165,000

    Bardstown's most frequently cited loan purpose was Home Purchase, with 674 originations. The 2nd most popular reason was Cash Out Refi, with 229 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 331 $68,575,000 $207,175
    3-4% 300 $62,710,000 $209,033
    4-5% 286 $53,490,000 $187,028
    6-7% 130 $23,290,000 $179,154
    2.5-3% 65 $11,645,000 $179,154
    <2.5% 46 $5,090,000 $110,652
    7-8% 46 $6,380,000 $138,696
    Over 8% 15 $965,000 $64,333

    During 2022, Bardstown's most frequently originated rate bucket was 5-6%, with 331 originations.

    Loan Sizing (Bardstown, KY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 477 $73,555,000 $154,203
    $200k-400k 440 $116,400,000 $264,545
    $100,000 or less 266 $14,920,000 $56,090
    $400k-600k 40 $18,130,000 $453,250
    $600k-1000k 5 $3,185,000 $637,000
    $Over $1MM 2 $7,760,000 $3,880,000

    Bardstown's loan sizing saw the bucket of loans from $100k-200k with 477 originations, totaling $73,555,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 521 $119,005,000 $228,417
    60-80% 286 $66,960,000 $234,126
    40-60% 132 $21,340,000 $161,667
    20-40% 126 $9,990,000 $79,286
    Under 20% 117 $5,225,000 $44,658
    Over 100% 18 $5,860,000 $325,556

    Bardstown's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 521 originations, totaling $119,005,000 in origination value.