Bardstown Mortgage Rates

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

30 Year Fixed Rate mortgages in Bardstown averaged 5.88% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.99% and one month ago for the week of 2022-05-26, the average rate was 5.28%.

Bardstown's average rate one year ago was 3.43%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.92%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Bardstown 30 Year Fixed Rate 2022-06-30 5.88%
Bardstown 30 Year Fixed Rate Refi 2022-06-30 5.92%
Bardstown 15 Year Fixed Rate 2022-06-30 5.21%
Bardstown 15 Year Fixed Rate Refi 2022-06-30 5.23%
Bardstown 30 Year FHA 2022-06-30 5.88%
Bardstown 30 Year FHA Refi 2022-06-30 5.66%
Bardstown 30 Year USDA 2022-06-30 5.78%
Bardstown 30 Year USDA Refi 2022-06-30 5.46%
Bardstown 30 Year VA 2022-06-30 5.73%
Bardstown 30 Year VA Refi 2022-06-30 5.2%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
STOCKTON MORTGAGE CORPORATION 66 3.08% $2,994
QUICKEN LOANS, LLC 60 3.15% $4,765
Citizens Bank 48 2.97% $3,295
Magnolia Bank 40 3.07% $2,960
Abound Federal Credit Union 25 3.21% $2,055
UNITED WHOLESALE MORTGAGE, LLC 22 3.08% $3,724
Farm Credit Mid-America, ACA 19 3.42% $7,436
L & N Federal Credit Union 18 3.51% $2,108
HOME POINT FINANCIAL CORPORATION 17 3.08% $3,066
Commonwealth Bank and Trust Company 16 3.26% $2,925
Citizens Union Bank of Shelbyville 15 3.11% $2,293
U.S. Bank 13 3.22% $2,820
WesBanco Bank, Inc. 13 3.14% $3,461
Wells Fargo Bank 13 3.22% $3,354
Prosperity Home Mortgage, LLC 12 3.04% $3,194
SOUTH CENTRAL BANK, INC. 12 2.91% $2,521
PNC Bank 11 3.09% $2,677
AMERISAVE MORTGAGE CORPORATION 11 2.88% $6,420
JPMorgan Chase Bank 10 3.03% $2,121
Stock Yards Bank & Trust Company 10 3.26% $2,252
First Harrison Bank 9 3.01% $2,449
PENNYMAC LOAN SERVICES, LLC 9 3.33% $5,164
Republic Bank & Trust Company 9 3.00% $2,637
BAY EQUITY LLC 8 3.33% $3,065
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 3.37% $3,421
Fifth Third Bank 8 3.32% $2,865
RUOFF MORTGAGE COMPANY, INC. 8 3.02% $2,481
THE MORTGAGE WAREHOUSE,LLC 7 2.98% $2,600
EVERETT FINANCIAL, INC. 7 3.63% $1,535
BETTER MORTGAGE CORPORATION 7 3.16% $2,479
DRAPER AND KRAMER MORTGAGE CORP. 6 3.14% $2,794
Century Mortgage Company DBA Century Lending Company 6 3.31% $4,279
InterContinental Capital Group, Inc 5 3.30% $4,455
BROKER SOLUTIONS, INC. 5 3.18% $3,905
LOANDEPOT.COM, LLC 5 3.32% $4,437
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 5 3.20% $3,789
Republic State Mortgage Co. 4 2.97% $2,823
Mr. Cooper ( Nationstar Mortgage ) 4 3.41% $4,249
Community Trust Bank, Inc. 4 3.22% $2,130
FREEDOM MORTGAGE CORPORATION 4 3.19% $2,003
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 3.00% $3,097
CROSSCOUNTRY MORTGAGE, LLC 4 3.19% $4,355
MOVEMENT MORTGAGE, LLC 4 3.43% $4,339
NEWREZ LLC 4 3.03% $3,821
NAVY FEDERAL CREDIT UNION 4 3.84% $4,554
Truist Bank 4 2.81% $2,868
THRIVE MORTGAGE, LLC 4 3.25% $3,639
AMERICAN MORTGAGE SERVICE COMPANY 4 2.94% $3,090
AMERIFIRST FINANCIAL CORPORATION 3 3.33% $4,127
CHURCHILL MORTGAGE CORPORATION 3 3.04% $4,068
FAIR WAY LENDING LLC 3 3.00% $3,262
Carrington Mortgage Services, LLC 3 3.67% $4,441
LEADERONE FINANCIAL CORPORATION 3 3.25% $2,910
First Savings Bank 3 2.83% $3,043
PROVIDENT FUNDING ASSOCIATES, L.P. 3 2.71% $2,271
PARK COMMUNITY CREDIT UNION, INC. 3 3.42% $1,844
Northpointe Bank 3 3.29% $2,117
Hometown Lenders, Inc. 3 3.16% $2,835
INTERLINC MORTGAGE SERVICES, LLC 3 3.46% $2,102
RELIANCE FIRST CAPITAL, LLC 2 3.12% $6,450
CRESCENT MORTGAGE COMPANY 2 3.13% $2,751
EVANSVILLE TEACHERS 2 3.31% $2,909
Flagstar Bank, FSB 2 3.14% $3,218
GUARANTY HOME MORTGAGE CORPORATION 2 2.88% $3,718
HAMILTON HOME LOANS, INC. 2 3.25% $4,835
Manufacturers and Traders Trust Company 2 3.31% $3,714
Mortgage Research Center, LLC 2 3.00% $1,589
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.19% $3,585
PARTNERS UNITED FINANCIAL, LLC 2 2.93% $3,260
BEST CAPITAL FUNDING 2 2.75% $2,321
Nations Lending Corporation 1 3.25% $7,567
KeyBank 1 3.50% $4,248
CALIBER HOME LOANS, INC. 1 2.75% $2,196
HOMESIDE FINANCIAL, LLC 1 3.13% $2,031
Paramount Residential Mortgage Group, Inc. 1 3.75% $2,882
CANOPY MORTGAGE, LLC 1 3.50% $4,331
COMMONWEALTH 1 3.63% $2,431
CMG MORTGAGE, INC. 1 3.63% $2,090
PENTAGON FEDERAL CREDIT UNION 1 2.88% $965
PHH Mortgage Corporation 1 3.38% $4,418
Bank of America 1 3.25% $2,472
Guardian Savings Bank, A Federal Savings Bank 1 3.00% $1,063
Arvest Bank 1 3.50% $2,947
GUARANTEED RATE, INC. 1 2.99% $3,348
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.38% $2,664
Regions Bank 1 3.13% $2,698
Colten Mortgage, LLC 1 3.38% $3,739
ARC HOME LLC 1 2.63% $3,466
First National Bank of America 1 7.75% $8,509
Wyndham Capital Mortgage, Inc. 1 3.38% $2,004
SIRVA MORTGAGE, INC. 1 2.88% $1,631
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.00% $2,822
SOUTHWEST FUNDING, LP 1 3.50% $4,625
AmeriHome Mortgage Company, LLC 1 3.50% $2,616
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.13% $4,038
First Financial Bank 1 3.38% $5,996
AgFirst Farm Credit Bank 1 3.25% $6,532
Fidelity Bank 1 3.13% $2,592
UNIFY FINANCIAL Credit Union 1 3.25% $1,065
Union Savings Bank 1 3.00% $295
Ally Bank 1 3.00% $3,296
DAS Acquisition Company, LLC 1 3.75% $3,476
VANDERBILT MORTGAGE AND FINANCE, INC. 1 2.63% $2,812
VICTORY MORTGAGE, L.L.C. 1 2.50% $2,836
MORTGAGE SUPPLIERS, INC. 1 3.38% $3,410
MID AMERICA MORTGAGE, INC. 1 3.38% $1,615
Central Bank & Trust Company 1 2.75% $2,472

Bardstown, KY's 107 lenders originated 1,981 loans during 2021. The total origination value was $356,275,000, with an average loan value of $179,846.

The top Bardstown lender as defined by loan originations is STOCKTON MORTGAGE CORPORATION, with 66 loans originated. Their average total fees are $2,994, which is $1,771 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Bardstown lenders (with over 10 loans originated) are Abound Federal Credit Union ($2,055), L & N Federal Credit Union ($2,108), JPMorgan Chase Bank ($2,121), Stock Yards Bank & Trust Company ($2,252) and Citizens Union Bank of Shelbyville ($2,293).

The lowest rate Bardstown lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.88%), SOUTH CENTRAL BANK, INC. (2.91%), Citizens Bank (2.97%), JPMorgan Chase Bank (3.03%) and Prosperity Home Mortgage, LLC (3.04%).

Bardstown, KY Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $28,115,000 $28,350,000 0.8% 8.0%
Wilson & Muir Bank & Trust Company $21,795,000 $19,165,000 -12.1% 5.4%
STOCKTON MORTGAGE CORPORATION $29,685,000 $18,500,000 -37.7% 5.2%
Magnolia Bank $24,540,000 $18,135,000 -26.1% 5.1%
Citizens Bank $10,040,000 $15,945,000 58.8% 4.5%
FREEDOM MORTGAGE CORPORATION $10,995,000 $14,455,000 31.5% 4.1%
HOME POINT FINANCIAL CORPORATION $7,040,000 $12,580,000 78.7% 3.5%
Abound Federal Credit Union $17,775,000 $11,720,000 -34.1% 3.3%
UNITED WHOLESALE MORTGAGE, LLC $10,235,000 $10,950,000 7.0% 3.1%
Farm Credit Mid-America, ACA $7,150,000 $8,675,000 21.3% 2.4%
Mortgage Research Center, LLC $3,675,000 $8,150,000 121.8% 2.3%
Commonwealth Bank and Trust Company $9,505,000 $7,710,000 -18.9% 2.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $8,405,000 $7,540,000 -10.3% 2.1%
PENNYMAC LOAN SERVICES, LLC $3,935,000 $7,230,000 83.7% 2.0%
PNC Bank $7,505,000 $6,355,000 -15.3% 1.8%
WesBanco Bank, Inc. $4,610,000 $5,260,000 14.1% 1.5%
SOUTH CENTRAL BANK, INC. $6,035,000 $5,125,000 -15.1% 1.4%
L & N Federal Credit Union $4,780,000 $4,895,000 2.4% 1.4%
Prosperity Home Mortgage, LLC $2,225,000 $4,115,000 84.9% 1.2%
Citizens Union Bank of Shelbyville $3,605,000 $4,020,000 11.5% 1.1%
U.S. Bank $2,350,000 $4,005,000 70.4% 1.1%
Wells Fargo Bank $5,445,000 $3,980,000 -26.9% 1.1%
Stock Yards Bank & Trust Company $3,225,000 $3,895,000 20.8% 1.1%
Republic Bank & Trust Company $4,425,000 $3,760,000 -15.0% 1.1%
BAY EQUITY LLC $3,595,000 $3,695,000 2.8% 1.0%
JPMorgan Chase Bank $3,610,000 $3,670,000 1.7% 1.0%
Fifth Third Bank $2,280,000 $3,630,000 59.2% 1.0%
AMERISAVE MORTGAGE CORPORATION $4,030,000 $3,515,000 -12.8% 1.0%
First Harrison Bank $1,260,000 $3,460,000 174.6% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $2,485,000 $3,405,000 37.0% 1.0%
THE MORTGAGE WAREHOUSE,LLC $2,530,000 $2,900,000 14.6% 0.8%
LOANDEPOT.COM, LLC $2,360,000 $2,890,000 22.5% 0.8%
AMERICAN MORTGAGE SERVICE COMPANY $5,230,000 $2,775,000 -46.9% 0.8%
CROSSCOUNTRY MORTGAGE, LLC $3,255,000 $2,710,000 -16.7% 0.8%
INTERLINC MORTGAGE SERVICES, LLC $2,255,000 $2,700,000 19.7% 0.8%
CALIBER HOME LOANS, INC. $770,000 $2,625,000 240.9% 0.7%
EVERETT FINANCIAL, INC. $8,015,000 $2,580,000 -67.8% 0.7%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $990,000 $2,385,000 140.9% 0.7%
RUOFF MORTGAGE COMPANY, INC. $2,205,000 $2,075,000 -5.9% 0.6%
Northpointe Bank $1,525,000 $2,040,000 33.8% 0.6%
DRAPER AND KRAMER MORTGAGE CORP. $125,000 $2,005,000 1,504.0% 0.6%
Carrington Mortgage Services, LLC $845,000 $1,960,000 132.0% 0.6%
CMG MORTGAGE, INC. $1,430,000 $1,770,000 23.8% 0.5%
BETTER MORTGAGE CORPORATION $520,000 $1,755,000 237.5% 0.5%
AMERIFIRST FINANCIAL CORPORATION $1,590,000 $1,735,000 9.1% 0.5%
BROKER SOLUTIONS, INC. $730,000 $1,625,000 122.6% 0.5%
FAIR WAY LENDING LLC $760,000 $1,570,000 106.6% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $425,000 $1,505,000 254.1% 0.4%
LAKEVIEW LOAN SERVICING, LLC $1,085,000 $1,485,000 36.9% 0.4%
Community Trust Bank, Inc. $1,620,000 $1,475,000 -9.0% 0.4%
EVANSVILLE TEACHERS $3,065,000 $1,460,000 -52.4% 0.4%
Century Mortgage Company DBA Century Lending Company $1,440,000 n/a 0.4%
Republic State Mortgage Co. $1,185,000 $1,420,000 19.8% 0.4%
Truist Bank $4,415,000 $1,370,000 -69.0% 0.4%
Peoples Bank $1,325,000 $1,360,000 2.6% 0.4%
Hometown Lenders, Inc. $980,000 $1,355,000 38.3% 0.4%
GUARANTY HOME MORTGAGE CORPORATION $1,475,000 $1,325,000 -10.2% 0.4%
NAVY FEDERAL CREDIT UNION $1,285,000 $1,320,000 2.7% 0.4%
InterContinental Capital Group, Inc $1,285,000 n/a 0.4%
NEWREZ LLC $1,125,000 $1,280,000 13.8% 0.4%
MOVEMENT MORTGAGE, LLC $1,055,000 $1,250,000 18.5% 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $995,000 $1,165,000 17.1% 0.3%
The Federal Savings Bank $1,145,000 n/a 0.3%
PROVIDENT FUNDING ASSOCIATES, L.P. $380,000 $1,075,000 182.9% 0.3%
MID AMERICA MORTGAGE, INC. $2,345,000 $1,065,000 -54.6% 0.3%
NEW DAY FINANCIAL, LLC $1,420,000 $1,065,000 -25.0% 0.3%
Paramount Residential Mortgage Group, Inc. $85,000 $1,040,000 1,123.5% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $215,000 $1,035,000 381.4% 0.3%
PENTAGON FEDERAL CREDIT UNION $245,000 $1,030,000 320.4% 0.3%
USAA Federal Savings Bank $1,785,000 $1,020,000 -42.9% 0.3%
CHURCHILL MORTGAGE CORPORATION $210,000 $1,000,000 376.2% 0.3%
Manufacturers and Traders Trust Company $990,000 n/a 0.3%
THRIVE MORTGAGE, LLC $300,000 $985,000 228.3% 0.3%
COMMONWEALTH $665,000 $945,000 42.1% 0.3%
ENVOY MORTGAGE, LTD $1,000,000 $885,000 -11.5% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $905,000 $860,000 -5.0% 0.2%
UNION HOME MORTGAGE CORP. $815,000 $825,000 1.2% 0.2%
LEADERONE FINANCIAL CORPORATION $640,000 $820,000 28.1% 0.2%
First Savings Bank $1,805,000 $815,000 -54.8% 0.2%
PHH Mortgage Corporation $105,000 $815,000 676.2% 0.2%
First Financial Bank $950,000 $805,000 -15.3% 0.2%
RELIANCE FIRST CAPITAL, LLC $750,000 $785,000 4.7% 0.2%
PLAZA HOME MORTGAGE, INC. $800,000 $740,000 -7.5% 0.2%
NBKC BANK $710,000 n/a 0.2%
PARK COMMUNITY CREDIT UNION, INC. $1,185,000 $700,000 -40.9% 0.2%
UNIVERSITY OF KENTUCKY $250,000 $680,000 172.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,480,000 $675,000 -54.4% 0.2%
Central Bank & Trust Company $500,000 $645,000 29.0% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,235,000 $575,000 -53.4% 0.2%
HAMILTON HOME LOANS, INC. $570,000 n/a 0.2%
DAS Acquisition Company, LLC $555,000 n/a 0.2%
Low VA Rates, LLC $625,000 $550,000 -12.0% 0.2%
Nations Lending Corporation $540,000 $545,000 0.9% 0.2%
AgFirst Farm Credit Bank $305,000 $530,000 73.8% 0.1%
PARTNERS UNITED FINANCIAL, LLC $515,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $660,000 $505,000 -23.5% 0.1%
Forcht Bank $505,000 $485,000 -4.0% 0.1%
The Huntington National Bank $475,000 $475,000 0.0% 0.1%
GUARANTEED RATE, INC. $470,000 n/a 0.1%
Flagstar Bank, FSB $510,000 $455,000 -10.8% 0.1%
JAMES B. NUTTER & COMPANY $300,000 $455,000 51.7% 0.1%
Regions Bank $205,000 $375,000 82.9% 0.1%
Wyndham Capital Mortgage, Inc. $285,000 $370,000 29.8% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $520,000 $350,000 -32.7% 0.1%
NP, Inc. $350,000 n/a 0.1%
POLARIS HOME FUNDING CORP. $155,000 $350,000 125.8% 0.1%
CRESCENT MORTGAGE COMPANY $245,000 $340,000 38.8% 0.1%
HOMESIDE FINANCIAL, LLC $340,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $65,000 $340,000 423.1% 0.1%
AmeriHome Mortgage Company, LLC $280,000 $330,000 17.9% 0.1%
Bank of America $415,000 $320,000 -22.9% 0.1%
BEST CAPITAL FUNDING $205,000 $320,000 56.1% 0.1%
PLANET HOME LENDING, LLC $195,000 $315,000 61.5% 0.1%
EMBRACE HOME LOANS, INC. $300,000 n/a 0.1%
Equity Prime Mortgage LLC $165,000 $295,000 78.8% 0.1%
KeyBank $275,000 n/a 0.1%
VICTORY MORTGAGE, L.L.C. $265,000 n/a 0.1%
SPRING EQ, LLC $35,000 $255,000 628.6% 0.1%
Guardian Savings Bank, A Federal Savings Bank $250,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $250,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $145,000 $245,000 69.0% 0.1%
First National Bank of America $245,000 n/a 0.1%
FBC MORTGAGE, LLC $175,000 $235,000 34.3% 0.1%
MYCUMORTGAGE, LLC $280,000 $225,000 -19.6% 0.1%
North American Savings Bank, F.S.B. $225,000 n/a 0.1%
Texana Bank $225,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $810,000 $215,000 -73.5% 0.1%
Barrington Bank & Trust Company, N.A. $845,000 $210,000 -75.1% 0.1%
CLASS ACT FEDERAL CREDIT UNION $905,000 $210,000 -76.8% 0.1%
GSF Mortgage Corporation $405,000 $195,000 -51.9% 0.1%
SIRVA MORTGAGE, INC. $195,000 n/a 0.1%
MICHIGAN MUTUAL, INC. $185,000 n/a 0.1%
CANOPY MORTGAGE, LLC $175,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $355,000 $175,000 -50.7% 0.0%
OCEANSIDE MORTGAGE COMPANY $250,000 $165,000 -34.0% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $265,000 $165,000 -37.7% 0.0%
Union Savings Bank $125,000 $165,000 32.0% 0.0%
CLEARPATH LENDING $175,000 $155,000 -11.4% 0.0%
SOUTHWEST STAGE FUNDING, LLC $740,000 $155,000 -79.1% 0.0%
ACADEMY MORTGAGE CORPORATION $145,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $145,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $145,000 n/a 0.0%
Fidelity Bank $145,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $165,000 $145,000 -12.1% 0.0%
Advanz Federal Credit Union $135,000 n/a 0.0%
MORTGAGE SUPPLIERS, INC. $195,000 $135,000 -30.8% 0.0%
ARC HOME LLC $125,000 n/a 0.0%
Colten Mortgage, LLC $125,000 n/a 0.0%
Ally Bank $460,000 $115,000 -75.0% 0.0%
SOUTHWEST FUNDING, LP $380,000 $115,000 -69.7% 0.0%
21ST MORTGAGE CORPORATION $185,000 $105,000 -43.2% 0.0%
Citibank $105,000 n/a 0.0%
Peoples Exchange Bank $105,000 n/a 0.0%
STEARNS LENDING, LLC $105,000 $105,000 0.0% 0.0%
AMERICAN FINANCING CORPORATION $290,000 $95,000 -67.2% 0.0%
UNIFY FINANCIAL Credit Union $85,000 n/a 0.0%
Arvest Bank $75,000 n/a 0.0%
Elements Financial Federal Credit Union $45,000 n/a 0.0%

Bardstown's top lender by overall market share is QUICKEN LOANS, LLC, with 8.0% market share. In second place, with 5.4%, is Wilson & Muir Bank & Trust Company, having originated $19,165,000 in loans. In third place, with 5.2%, is STOCKTON MORTGAGE CORPORATION, having originated $18,500,000 in loans. In third place, with 5.1%, is Magnolia Bank, having originated $18,135,000 in loans. In third place, with 4.5%, is Citizens Bank, having originated $15,945,000 in loans.


Bardstown, KY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 762 $155,510,000 $204,081
Refi 697 $119,585,000 $171,571
Cash Out Refi 401 $70,125,000 $174,875
Home Improvement 63 $5,555,000 $88,175
Other 58 $5,500,000 $94,828

Bardstown's most frequently cited loan purpose was Home Purchase, with 762 originations. The 2nd most popular reason was Refi, with 697 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 764 $140,870,000 $184,385
3-4% 689 $126,645,000 $183,810
<2.5% 324 $60,410,000 $186,451
4-5% 48 $4,950,000 $103,125
5-6% 29 $1,215,000 $41,897
Over 8% 6 $520,000 $86,667
6-7% 5 $285,000 $57,000
7-8% 5 $645,000 $129,000

During 2021, Bardstown's most frequently originated rate bucket was 2.5-3%, with 764 originations.

Loan Sizing (Bardstown, KY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,002 $150,510,000 $150,210
$200k-400k 627 $162,985,000 $259,944
$100,000 or less 305 $19,675,000 $64,508
$400k-600k 43 $19,915,000 $463,140
$600k-1000k 4 $3,190,000 $797,500

Bardstown's loan sizing saw the bucket of loans from $100k-200k with 1,002 originations, totaling $150,510,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 749 $156,375,000 $208,778
60-80% 549 $106,475,000 $193,944
40-60% 250 $35,220,000 $140,880
20-40% 123 $11,235,000 $91,341
Under 20% 76 $2,700,000 $35,526
Over 100% 26 $6,510,000 $250,385

Bardstown's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 749 originations, totaling $156,375,000 in origination value.


Market Conditions (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 $199,900 (8.1%) $226,756 (-1.4%) 0.00 282
2018-02-01 $197,200 (9.0%) $225,084 (-2.9%) 0.00 286
2018-03-01 $199,990 (6.8%) $247,717 (5.5%) 0.00 250
2018-04-01 $199,945 (0.0%) $250,966 (1.0%) 0.00 245
2018-05-01 $210,000 (7.8%) $266,068 (10.8%) 0.00 236
2018-06-01 $215,000 (7.6%) $264,730 (8.5%) 0.00 293
2018-07-01 $222,450 (1.6%) $273,861 (8.4%) 0.00 286
2018-08-01 $229,000 (5.3%) $270,637 (14.1%) 0.00 290
2018-09-01 $219,900 (0.9%) $256,697 (7.5%) 0.00 288
2018-10-01 $217,400 (10.1%) $250,447 (5.8%) 0.00 286
2018-11-01 $201,500 (1.3%) $245,287 (3.4%) 0.00 284
2018-12-01 $189,900 (-5.0%) $247,050 (7.0%) 0.00 299
2019-01-01 $189,400 (-5.3%) $241,803 (6.6%) 0.00 301
2019-02-01 $205,400 (4.2%) $251,472 (11.7%) 0.00 285
2019-03-01 $217,757 (8.9%) $258,932 (4.5%) 0.00 267
2019-04-01 $215,257 (7.7%) $261,398 (4.2%) 0.00 260
2019-05-01 $224,950 (7.1%) $268,353 (0.9%) 0.00 257
2019-06-01 $224,900 (4.6%) $260,741 (-1.5%) 0.00 304
2019-07-01 $218,450 (-1.8%) $256,849 (-6.2%) 0.00 306
2019-08-01 $210,571 (-8.1%) $253,752 (-6.2%) 0.00 301
2019-09-01 $204,800 (-6.9%) $256,644 (0.0%) 0.00 287
2019-10-01 $183,900 (-15.4%) $235,911 (-5.8%) 0.00 308
2019-11-01 $179,900 (-10.7%) $240,619 (-1.9%) 0.00 298
2019-12-01 $174,900 (-7.9%) $228,652 (-7.5%) 0.00 291
2020-01-01 $174,900 (-7.7%) $228,766 (-5.4%) 0.00 269
2020-02-01 $174,900 (-14.9%) $236,901 (-5.8%) 0.00 226
2020-03-01 $184,450 (-15.3%) $244,760 (-5.5%) 0.00 231
2020-04-01 $204,900 (-4.8%) $255,344 (-2.3%) 0.00 216
2020-05-01 $224,900 (0.0%) $269,037 (0.3%) 0.00 195
2020-06-01 $253,900 (12.9%) $289,497 (11.0%) 0.00 173
2020-07-01 $286,500 (31.2%) $309,873 (20.6%) 0.00 148
2020-08-01 $289,000 (37.3%) $326,115 (28.5%) 0.00 130
2020-09-01 $267,450 (30.6%) $332,440 (29.5%) 0.00 133
2020-10-01 $264,900 (44.1%) $326,822 (38.5%) 0.00 141
2020-11-01 $252,900 (40.6%) $299,738 (24.6%) 0.00 148
2020-12-01 $249,925 (42.9%) $286,605 (25.4%) 0.00 144
2021-01-01 $239,000 (36.7%) $281,504 (23.1%) 0.00 126
2021-02-01 $239,900 (37.2%) $308,917 (30.4%) 0.00 81
2021-03-01 $267,450 (45.0%) $354,731 (44.9%) 0.00 67
2021-04-01 $221,950 (8.3%) $395,999 (55.1%) 0.00 60
2021-05-01 $244,900 (8.9%) $464,954 (72.8%) 0.00 51
2021-06-01 $287,000 (13.0%) $402,247 (39.0%) 0.00 76
2021-07-01 $289,900 (1.2%) $374,960 (21.0%) 0.00 107
2021-08-01 $264,900 (-8.3%) $336,233 (3.1%) 0.00 154
2021-09-01 $274,925 (2.8%) $354,802 (6.7%) 0.00 151
2021-10-01 $259,000 (-2.2%) $321,623 (-1.6%) 0.00 161
2021-11-01 $259,900 (2.8%) $321,739 (7.3%) 0.00 204
2021-12-01 $259,950 (4.0%) $332,996 (16.2%) 0.00 145
2022-01-01 $299,900 (25.5%) $356,122 (26.5%) 0.00 116
2022-02-01 $299,925 (25.0%) $361,332 (17.0%) 0.00 89
2022-03-01 $299,950 (12.2%) $367,641 (3.6%) 0.00 80
2022-04-01 $349,900 (57.7%) $386,904 (-2.3%) 0.00 81
2022-05-01 $299,950 (22.5%) $364,195 (-21.7%) 0.00 133
2022-06-01 $289,950 (1.0%) $337,049 (-16.2%) 0.00 163
Bardstown's median listing price for 2022-06-01 was $289,950, a difference of $2,950 (1.0%) versus the prior year and $-10,000 versus the prior month.

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

Bardstown's average listing price for 2022-06-01 was $337,049, a difference of $-65,198 (-16.2%) versus the prior year and $-27,146 versus the prior month.

For the 2022-06-01 period, Bardstown had 163 MLS listings, a difference of 30 listings (23%) versus the prior month and 87 listings (114%) 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 1,751 sqft
2018-02-01 0 days 1,650 sqft
2018-03-01 0 days 1,788 sqft
2018-04-01 0 days 1,776 sqft
2018-05-01 0 days 1,840 sqft
2018-06-01 0 days 1,891 sqft
2018-07-01 0 days 1,986 sqft
2018-08-01 0 days 1,961 sqft
2018-09-01 0 days 1,800 sqft
2018-10-01 0 days 1,724 sqft
2018-11-01 0 days 1,692 sqft
2018-12-01 0 days 1,681 sqft
2019-01-01 0 days 1,624 sqft
2019-02-01 0 days 1,696 sqft
2019-03-01 0 days 1,754 sqft
2019-04-01 0 days 1,759 sqft
2019-05-01 0 days 1,812 sqft
2019-06-01 0 days 1,786 sqft
2019-07-01 0 days 1,786 sqft
2019-08-01 0 days 1,740 sqft
2019-09-01 0 days 1,740 sqft
2019-10-01 0 days 1,484 sqft
2019-11-01 0 days 1,490 sqft
2019-12-01 0 days 1,472 sqft
2020-01-01 0 days 1,416 sqft
2020-02-01 0 days 1,484 sqft
2020-03-01 0 days 1,606 sqft
2020-04-01 0 days 1,652 sqft
2020-05-01 0 days 1,736 sqft
2020-06-01 0 days 1,747 sqft
2020-07-01 0 days 1,901 sqft
2020-08-01 0 days 1,925 sqft
2020-09-01 0 days 1,852 sqft
2020-10-01 0 days 1,748 sqft
2020-11-01 0 days 1,665 sqft
2020-12-01 0 days 1,650 sqft
2021-01-01 0 days 1,525 sqft
2021-02-01 0 days 1,723 sqft
2021-03-01 0 days 1,913 sqft
2021-04-01 0 days 1,710 sqft
2021-05-01 0 days 2,105 sqft
2021-06-01 0 days 1,773 sqft
2021-07-01 0 days 1,772 sqft
2021-08-01 0 days 1,698 sqft
2021-09-01 0 days 1,748 sqft
2021-10-01 0 days 1,748 sqft
2021-11-01 0 days 1,648 sqft
2021-12-01 0 days 1,648 sqft
2022-01-01 0 days 1,800 sqft
2022-02-01 0 days 1,803 sqft
2022-03-01 0 days 1,801 sqft
2022-04-01 0 days 1,762 sqft
2022-05-01 0 days 1,685 sqft
2022-06-01 0 days 1,547 sqft
Bardstown's median listing age (time on market) for 2022-06-01 was 0 days.

Bardstown's median square footage for active listings during the 2022-06-01 period was 1,547 sqft. One year prior, the average listing was 1,773 sqft.