Bardstown Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Bardstown averaged 6.69% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.66% and one month ago for the week of 2024-01-18, the average rate was 6.49%.

Bardstown's average rate one year ago was 6.44%.

For refis of the same type during the week of 2024-02-22, the average rate was 6.06%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Bardstown 30 Year Fixed Rate 2024-02-22 6.69%
Bardstown 30 Year Fixed Rate Refi 2024-02-22 6.06%
Bardstown 15 Year Fixed Rate 2024-02-22 6.39%
Bardstown 15 Year Fixed Rate Refi 2024-02-22 6.89%
Bardstown 30 Year FHA 2024-02-22 -0.64%
Bardstown 30 Year FHA Refi 2024-02-22 0.2%
Bardstown 30 Year USDA 2024-02-22 -0.81%
Bardstown 30 Year USDA Refi 2024-02-22 0.1%
Bardstown 30 Year VA 2024-02-22 0.1%
Bardstown 30 Year VA Refi 2024-02-22 -0.1%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bardstown, KY.

Bardstown Top Lenders by Rates & Fees

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

Name # of Loans 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 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 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 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%) $246,556 (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 $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
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 (6.8%) $338,991 (4.4%) 0.00 114
2023-10-01 $324,963 (12.3%) $345,992 (8.7%) 0.00 126
2023-11-01 $309,988 (8.8%) $342,425 (10.9%) 0.00 132
Bardstown's median listing price for 2023-11-01 was $309,988, a difference of $25,038 (8.8%) versus the prior year and $-14,975 versus the prior month.

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

Bardstown's average listing price for 2023-11-01 was $342,425, a difference of $33,592 (10.9%) versus the prior year and $-3,567 versus the prior month.

For the 2023-11-01 period, Bardstown had 132 MLS listings, a difference of 6 listings (5%) versus the prior month and -38 listings (-22%) 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 1,767 sqft
2021-12-01 0 days 1,739 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 1,500 sqft
2022-08-01 0 days 1,517 sqft
2022-09-01 0 days 1,600 sqft
2022-10-01 0 days 1,525 sqft
2022-11-01 0 days 1,526 sqft
2022-12-01 0 days 1,520 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
Bardstown's median listing age (time on market) for 2023-11-01 was 0 days.

Bardstown's median square footage for active listings during the 2023-11-01 period was 1,591 sqft. One year prior, the average listing was 1,526 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.