Bardstown Mortgage Rates & Closing Costs
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% |
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.).
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. LouisDate | 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 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. LouisDate | 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 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.