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 6.7% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.72% and one month ago for the week of 2025-03-06, the average rate was 6.71%.

    Bardstown's average rate one year ago was 7%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.62%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Bardstown 30 Year Fixed Rate 2025-04-10 6.7%
    Bardstown 30 Year Fixed Rate Refi 2025-04-10 6.62%
    Bardstown 15 Year Fixed Rate 2025-04-10 5.72%
    Bardstown 15 Year Fixed Rate Refi 2025-04-10 6.32%
    Bardstown 30 Year FHA 2025-04-10 6.26%
    Bardstown 30 Year FHA Refi 2025-04-10 6.63%
    Bardstown 30 Year USDA 2025-04-10 6.65%
    Bardstown 30 Year USDA Refi 2025-04-10 6.65%
    Bardstown 30 Year VA 2025-04-10 6.49%
    Bardstown 30 Year VA Refi 2025-04-10 6.39%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 33 6.93% $4,827
    Magnolia Bank 25 6.66% $3,625
    Abound Federal Credit Union 19 5.88% $2,786
    UNITED WHOLESALE MORTGAGE, LLC 18 6.77% $6,348
    STOCKTON MORTGAGE CORPORATION 13 6.74% $4,471
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 6.95% $4,898
    INTERLINC MORTGAGE SERVICES, LLC 9 6.94% $3,978
    Northpointe Bank 7 6.60% $4,785
    Stock Yards Bank & Trust Company 7 6.62% $3,599
    UNION HOME MORTGAGE CORP. 7 6.75% $4,232
    SOUTH CENTRAL BANK, INC. 7 6.30% $3,086
    German American Bank 6 6.48% $3,303
    RUOFF MORTGAGE COMPANY, INC. 6 7.06% $5,873
    PNC Bank 5 7.00% $3,651
    Farm Credit Mid-America, ACA 5 7.10% $6,803
    L & N Federal Credit Union 5 7.20% $2,214
    JPMorgan Chase Bank 5 7.07% $3,099
    T2 FINANCIAL LLC 4 6.69% $5,419
    Truist 4 6.96% $4,376
    WesBanco 4 6.78% $4,555
    NEWREZ LLC 4 6.84% $4,630
    THE MORTGAGE WAREHOUSE,LLC 3 6.79% $4,746
    AMERISAVE MORTGAGE CORPORATION 3 6.75% $6,319
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 7.17% $4,875
    Fifth Third Bank 3 6.63% $5,969
    First Harrison Bank 3 6.75% $3,535
    Flagstar Bank, FSB 3 6.72% $3,040
    HOMESIDE FINANCIAL, LLC 3 6.54% $3,294
    MOVEMENT MORTGAGE, LLC 3 7.99% $12,181
    PARK COMMUNITY CREDIT UNION, INC. 3 7.13% $2,995
    U.S. Bank 3 6.83% $3,570
    EVANSVILLE TEACHERS 2 7.13% $3,816
    Wells Fargo Bank 2 6.63% $5,127
    The Loan Store, Inc. 2 7.06% $3,600
    NAVY FEDERAL CREDIT UNION 2 6.06% $6,542
    MEMBER FIRST MORTGAGE, LLC 2 6.56% $3,682
    Republic Bank & Trust Company 2 6.94% $4,486
    BROKER SOLUTIONS, INC. 2 7.13% $5,998
    LOANDEPOT.COM, LLC 2 7.06% $5,143
    CMG MORTGAGE, INC. 2 7.06% $5,312
    PHH Mortgage Corporation 2 6.62% $6,344
    Century Mortgage Company DBA Century Lending Company 2 7.19% $4,063
    Community Trust Bank, Inc. 2 6.69% $4,373
    FREEDOM MORTGAGE CORPORATION 2 6.88% $5,881
    CROSSCOUNTRY MORTGAGE, LLC 2 6.56% $4,439
    PENNYMAC LOAN SERVICES, LLC 1 5.88% $5,964
    Peoples Bank 1 5.63% $2,891
    Peoples Exchange Bank 1 6.63% $2,945
    PREMIA MORTGAGE, LLC 1 7.10% $0
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.63% $6,506
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.00% $2,236
    Commerce Home Mortgage, Inc. 1 8.50% $12,615
    RELIANCE FIRST CAPITAL, LLC 1 9.38% $12,599
    Republic State Mortgage Co. 1 5.88% $5,107
    CHURCHILL MORTGAGE CORPORATION 1 6.88% $4,653
    Centra Credit Union 1 7.25% $2,947
    Sunflower Bank 1 7.49% $4,888
    Carrington Mortgage Services, LLC 1 6.88% $6,350
    The Huntington National Bank 1 6.88% $4,706
    21ST MORTGAGE CORPORATION 1 9.10% $4,028
    TOTAL MORTGAGE SERVICES, LLC 1 7.00% $4,363
    TOWNE MORTGAGE COMPANY 1 6.63% $4,085
    FAIR WAY LENDING LLC 1 6.13% $3,251
    Bank of England 1 6.88% $9,755
    FIRST COMMUNITY MORTGAGE, INC. 1 8.13% $5,301
    AMERICAN FINANCING CORPORATION 1 6.88% $4,943
    USAA Federal Savings Bank 1 7.00% $3,531
    EVERETT FINANCIAL, INC. 1 6.99% $7,099
    GENEVA FINANCIAL, LLC 1 7.13% $3,382
    Guardian Savings Bank, A Federal Savings Bank 1 6.25% $835
    GUILD MORTGAGE COMPANY 1 6.99% $3,901
    Ally Bank 1 7.00% $3,693
    Horizon Bank 1 7.25% $6,019
    Ixonia Bank 1 6.50% $7,188
    Equity Prime Mortgage LLC 1 7.63% $6,389
    ENDEAVOR CAPITAL, LLC. 1 6.38% $4,623
    DAS Acquisition Company, LLC 1 6.63% $4,978
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.75% $5,452
    MYCUMORTGAGE, LLC 1 6.50% $2,927
    Dacotah Bank 1 6.49% $1,469
    NexBank 1 6.88% $5,273
    OCMBC, INC. 1 8.50% $9,014

    Bardstown Average Closing Costs & Other Stats

    Bardstown, KY's 82 lenders originated 1,192 loans during 2024. The total origination value was $233,390,000, with an average loan value of $195,797.

    Bardstown's average closing costs are $4,921.

    The top Bardstown lender as defined by loan originations is QUICKEN LOANS, LLC, with 33 loans originated. Their average total fees are $4,827, which is $1,202 higher than the next largest lender, Magnolia Bank.

    The lowest fee Bardstown lenders (with over 10 loans originated) are Abound Federal Credit Union ($2,786), Magnolia Bank ($3,625), STOCKTON MORTGAGE CORPORATION ($4,471), QUICKEN LOANS, LLC ($4,827) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,898).

    The lowest rate Bardstown lenders (with over 10 loans originated) are Abound Federal Credit Union (5.88%), Magnolia Bank (6.66%), STOCKTON MORTGAGE CORPORATION (6.74%), UNITED WHOLESALE MORTGAGE, LLC (6.77%) and QUICKEN LOANS, LLC (6.93%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    UNITED WHOLESALE MORTGAGE, LLC $10,565,000 $16,520,000 56.4% 7.1%
    QUICKEN LOANS, LLC $13,525,000 $14,230,000 5.2% 6.1%
    The Lincoln National Bank of Hodgenville $13,820,000 $13,640,000 -1.3% 5.8%
    Abound Federal Credit Union $7,330,000 $12,700,000 73.3% 5.4%
    Town & Country Bank and Trust Company $8,580,000 n/a 3.7%
    Magnolia Bank $7,395,000 $8,365,000 13.1% 3.6%
    Mortgage Research Center, LLC $3,570,000 $7,380,000 106.7% 3.2%
    STOCKTON MORTGAGE CORPORATION $7,660,000 $7,365,000 -3.9% 3.2%
    Wilson & Muir Bank & Trust Company $8,075,000 $7,210,000 -10.7% 3.1%
    FREEDOM MORTGAGE CORPORATION $3,065,000 $5,960,000 94.5% 2.6%
    Northpointe Bank $7,040,000 $5,860,000 -16.8% 2.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,240,000 $5,555,000 -11.0% 2.4%
    PENNYMAC LOAN SERVICES, LLC $1,340,000 $4,325,000 222.8% 1.9%
    WesBanco $3,120,000 $4,060,000 30.1% 1.7%
    INTERLINC MORTGAGE SERVICES, LLC $1,735,000 $3,815,000 119.9% 1.6%
    BROKER SOLUTIONS, INC. $910,000 $3,540,000 289.0% 1.5%
    SOUTH CENTRAL BANK, INC. $3,525,000 $3,520,000 -0.1% 1.5%
    RUOFF MORTGAGE COMPANY, INC. $2,715,000 $3,505,000 29.1% 1.5%
    UNION HOME MORTGAGE CORP. $410,000 $3,290,000 702.4% 1.4%
    Stock Yards Bank & Trust Company $3,770,000 $3,250,000 -13.8% 1.4%
    PNC Bank $3,215,000 $3,240,000 0.8% 1.4%
    SUCCESS MORTGAGE PARTNERS, INC. $1,010,000 $3,110,000 207.9% 1.3%
    THE MORTGAGE WAREHOUSE,LLC $825,000 $3,015,000 265.5% 1.3%
    NAVY FEDERAL CREDIT UNION $2,095,000 $2,740,000 30.8% 1.2%
    Farm Credit Mid-America, ACA $2,790,000 $2,700,000 -3.2% 1.2%
    T2 FINANCIAL LLC $345,000 $2,605,000 655.1% 1.1%
    Century Mortgage Company DBA Century Lending Company $2,795,000 $2,385,000 -14.7% 1.0%
    German American Bank $2,005,000 $2,315,000 15.5% 1.0%
    NEWREZ LLC $575,000 $2,210,000 284.3% 0.9%
    EVANSVILLE TEACHERS $1,715,000 $1,985,000 15.7% 0.9%
    JPMorgan Chase Bank $2,330,000 $1,970,000 -15.5% 0.8%
    EVERETT FINANCIAL, INC. $1,355,000 $1,825,000 34.7% 0.8%
    Prosperity Home Mortgage, LLC $1,470,000 $1,790,000 21.8% 0.8%
    CROSSCOUNTRY MORTGAGE, LLC $1,020,000 $1,760,000 72.5% 0.8%
    MOVEMENT MORTGAGE, LLC $460,000 $1,690,000 267.4% 0.7%
    L & N Federal Credit Union $1,565,000 $1,655,000 5.8% 0.7%
    LAKEVIEW LOAN SERVICING, LLC $440,000 $1,585,000 260.2% 0.7%
    USAA Federal Savings Bank $780,000 $1,530,000 96.2% 0.7%
    ENVOY MORTGAGE, LTD $755,000 $1,510,000 100.0% 0.6%
    Fifth Third Bank $740,000 $1,360,000 83.8% 0.6%
    Republic Bank & Trust Company $1,630,000 $1,345,000 -17.5% 0.6%
    AMERICAN FINANCIAL RESOURCES, INC. $730,000 $1,310,000 79.5% 0.6%
    Community Trust Bank, Inc. $265,000 $1,310,000 394.3% 0.6%
    U.S. Bank $790,000 $1,300,000 64.6% 0.6%
    Flagstar Bank, FSB $330,000 $1,295,000 292.4% 0.6%
    LOANDEPOT.COM, LLC $950,000 $1,280,000 34.7% 0.5%
    HOMESIDE FINANCIAL, LLC $1,955,000 $1,270,000 -35.0% 0.5%
    Paramount Residential Mortgage Group, Inc. $1,245,000 n/a 0.5%
    PARK COMMUNITY CREDIT UNION, INC. $1,865,000 $1,205,000 -35.4% 0.5%
    First Harrison Bank $2,605,000 $1,065,000 -59.1% 0.5%
    Equity Prime Mortgage LLC $370,000 $1,045,000 182.4% 0.4%
    River City Bank, Inc. $290,000 $1,045,000 260.3% 0.4%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $275,000 $1,030,000 274.5% 0.4%
    Truist $500,000 $975,000 95.0% 0.4%
    AmRes Corporation $900,000 n/a 0.4%
    Horizon Bank $875,000 n/a 0.4%
    The Loan Store, Inc. $225,000 $845,000 275.6% 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,155,000 $830,000 -28.1% 0.4%
    AMERISAVE MORTGAGE CORPORATION $800,000 n/a 0.3%
    Meade County Bank $195,000 $780,000 300.0% 0.3%
    CMG MORTGAGE, INC. $520,000 $725,000 39.4% 0.3%
    GENEVA FINANCIAL, LLC $710,000 n/a 0.3%
    VILLAGE CAPITAL MORTGAGE $700,000 n/a 0.3%
    MID AMERICA MORTGAGE, INC. $965,000 $695,000 -28.0% 0.3%
    LEADERONE FINANCIAL CORPORATION $645,000 $690,000 7.0% 0.3%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $580,000 $660,000 13.8% 0.3%
    CLEARPATH LENDING $660,000 n/a 0.3%
    RELIANCE FIRST CAPITAL, LLC $175,000 $640,000 265.7% 0.3%
    UNIVERSITY OF KENTUCKY $535,000 $625,000 16.8% 0.3%
    West Point Bank $1,025,000 $610,000 -40.5% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $1,220,000 $545,000 -55.3% 0.2%
    Wells Fargo Bank $750,000 $530,000 -29.3% 0.2%
    The Peoples Bank $1,245,000 $510,000 -59.0% 0.2%
    The Cecilian Bank $280,000 $495,000 76.8% 0.2%
    Peoples Bank $195,000 $490,000 151.3% 0.2%
    COMMONWEALTH $425,000 $465,000 9.4% 0.2%
    TOTAL MORTGAGE SERVICES, LLC $465,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $440,000 n/a 0.2%
    PLAZA HOME MORTGAGE, INC. $1,395,000 $440,000 -68.5% 0.2%
    Nations Lending Corporation $425,000 n/a 0.2%
    OCMBC, INC. $420,000 n/a 0.2%
    First National Bank Texas $415,000 n/a 0.2%
    GVC MORTGAGE, INC. $405,000 n/a 0.2%
    The Huntington National Bank $1,295,000 $405,000 -68.7% 0.2%
    MEMBER FIRST MORTGAGE, LLC $400,000 n/a 0.2%
    TOWNE MORTGAGE COMPANY $395,000 n/a 0.2%
    DAS Acquisition Company, LLC $390,000 n/a 0.2%
    Commerce Home Mortgage, Inc. $165,000 $355,000 115.2% 0.2%
    Discover Bank $590,000 $325,000 -44.9% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $490,000 $325,000 -33.7% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $450,000 $325,000 -27.8% 0.1%
    PHH Mortgage Corporation $310,000 n/a 0.1%
    Ixonia Bank $295,000 n/a 0.1%
    Peoples Exchange Bank $295,000 n/a 0.1%
    Armed Forces Bank $285,000 n/a 0.1%
    PLANET HOME LENDING, LLC $285,000 n/a 0.1%
    BAY EQUITY LLC $280,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $85,000 $270,000 217.6% 0.1%
    ISERVE RESIDENTIAL LENDING, LLC $265,000 n/a 0.1%
    Old National Bank $535,000 $265,000 -50.5% 0.1%
    Carrington Mortgage Services, LLC $1,435,000 $260,000 -81.9% 0.1%
    Peoples Bank $195,000 $245,000 25.6% 0.1%
    VICTORY MORTGAGE, L.L.C. $460,000 $245,000 -46.7% 0.1%
    Third Federal Savings and Loan Association of Cleveland $25,000 $240,000 860.0% 0.1%
    GUILD MORTGAGE COMPANY $300,000 $235,000 -21.7% 0.1%
    PREMIA MORTGAGE, LLC $235,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $230,000 $235,000 2.2% 0.1%
    Bank of England $225,000 n/a 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $450,000 $225,000 -50.0% 0.1%
    Traditional Bank, Inc. $765,000 $225,000 -70.6% 0.1%
    BANKSOUTH MORTGAGE COMPANY, LLC $215,000 n/a 0.1%
    Dacotah Bank $215,000 n/a 0.1%
    Plains Commerce Bank $1,035,000 $215,000 -79.2% 0.1%
    PREMIER LENDING, INC. $210,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $390,000 $205,000 -47.4% 0.1%
    Centra Credit Union $195,000 $195,000 0.0% 0.1%
    CHURCHILL MORTGAGE CORPORATION $195,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $195,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $295,000 $195,000 -33.9% 0.1%
    MYCUMORTGAGE, LLC $195,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $190,000 n/a 0.1%
    The Federal Savings Bank $185,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $710,000 $180,000 -74.6% 0.1%
    NexBank $175,000 n/a 0.1%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $165,000 n/a 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $390,000 $165,000 -57.7% 0.1%
    Coastal Community Bank $80,000 $145,000 81.3% 0.1%
    ENDEAVOR CAPITAL, LLC. $305,000 $145,000 -52.5% 0.1%
    Republic State Mortgage Co. $145,000 n/a 0.1%
    FAIR WAY LENDING LLC $315,000 $135,000 -57.1% 0.1%
    Ally Bank $125,000 n/a 0.1%
    Sunflower Bank $115,000 n/a 0.0%
    Central Bank $525,000 $105,000 -80.0% 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $105,000 n/a 0.0%
    FINANCE OF AMERICA REVERSE LLC $95,000 $105,000 10.5% 0.0%
    CSL Financial, LLC $95,000 n/a 0.0%
    First Financial Bank $735,000 $95,000 -87.1% 0.0%
    ROYAL UNITED MORTGAGE LLC $90,000 n/a 0.0%
    Citibank $85,000 n/a 0.0%
    CLASS ACT FEDERAL CREDIT UNION $80,000 $80,000 0.0% 0.0%
    ALLIANT CREDIT UNION $55,000 $55,000 0.0% 0.0%
    Figure Lending LLC $55,000 n/a 0.0%
    Guardian Savings Bank, A Federal Savings Bank $55,000 n/a 0.0%
    SPRING EQ, LLC $85,000 $45,000 -47.1% 0.0%

    Bardstown's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 7.1% market share. In second place, with 6.1%, is QUICKEN LOANS, LLC, having originated $14,230,000 in loans. In third place, with 5.8%, is The Lincoln National Bank of Hodgenville, having originated $13,640,000 in loans. In fourth place, with 5.4%, is Abound Federal Credit Union, having originated $12,700,000 in loans. In fifth place, with 3.7%, is Town & Country Bank and Trust Company, having originated $8,580,000 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
    2024-11-01 $289,950 (-6.5%) $357,467 (4.4%) 0.00 151
    2024-12-01 $289,975 (-4.9%) $341,706 (-4.4%) 0.00 168
    Bardstown's median listing price for 2024-12-01 was $289,975, a difference of $-15,025 (-4.9%) versus the prior year and $25 versus the prior month.

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

    Bardstown's average listing price for 2024-12-01 was $341,706, a difference of $-15,694 (-4.4%) versus the prior year and $-15,761 versus the prior month.

    For the 2024-12-01 period, Bardstown had 168 MLS listings, a difference of 17 listings (11%) versus the prior month and 23 listings (16%) 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
    2024-11-01 0 days 1,522 sqft
    2024-12-01 0 days 1,501 sqft
    Bardstown's median listing age (time on market) for 2024-12-01 was 0 days.

    Bardstown's median square footage for active listings during the 2024-12-01 period was 1,501 sqft. One year prior, the average listing was 1,529 sqft.

    Bardstown, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 695 $163,495,000 $235,245
    Refi 147 $30,325,000 $206,293
    Cash Out Refi 143 $24,825,000 $173,601
    Other 124 $8,890,000 $71,694
    Home Improvement 83 $5,855,000 $70,542

    Bardstown's most frequently cited loan purpose was Home Purchase, with 695 originations. The 2nd most popular reason was Refi, with 147 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 438 $102,510,000 $234,041
    Over 8% 194 $17,540,000 $90,412
    7-8% 170 $38,680,000 $227,529
    5-6% 153 $37,165,000 $242,908
    3-4% 48 $2,390,000 $49,792
    4-5% 8 $2,160,000 $270,000
    <2.5% 4 $510,000 $127,500

    During 2024, Bardstown's most frequently originated rate bucket was 6-7%, with 438 originations.

    Loan Sizing (Bardstown, KY MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 494 $131,740,000 $266,680
    $100k-200k 319 $49,145,000 $154,060
    $100,000 or less 313 $15,795,000 $50,463
    $400k-600k 52 $24,280,000 $466,923
    $600k-1000k 11 $7,765,000 $705,909
    $Over $1MM 3 $4,665,000 $1,555,000

    Bardstown's loan sizing saw the bucket of loans from $200k-400k with 494 originations, totaling $131,740,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 475 $121,315,000 $255,400
    60-80% 153 $36,575,000 $239,052
    Under 20% 135 $4,915,000 $36,407
    20-40% 125 $10,725,000 $85,800
    40-60% 84 $15,600,000 $185,714
    Over 100% 19 $6,085,000 $320,263

    Bardstown's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 475 originations, totaling $121,315,000 in origination value.