Bedford 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 Bedford averaged 6.75% 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 6.97% and one month ago for the week of 2025-03-06, the average rate was 6.96%.

    Bedford's average rate one year ago was 6.75%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.02%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Bedford 30 Year Fixed Rate 2025-04-10 6.75%
    Bedford 30 Year Fixed Rate Refi 2025-04-10 7.02%
    Bedford 15 Year Fixed Rate 2025-04-10 5.92%
    Bedford 15 Year Fixed Rate Refi 2025-04-10 6.12%
    Bedford 30 Year FHA 2025-04-10 6.93%
    Bedford 30 Year FHA Refi 2025-04-10 6.53%
    Bedford 30 Year USDA 2025-04-10 6.55%
    Bedford 30 Year USDA Refi 2025-04-10 6.55%
    Bedford 30 Year VA 2025-04-10 6.77%
    Bedford 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 Bedford, IN.

    Bedford 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 Bedford, IN 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
    RUOFF MORTGAGE COMPANY, INC. 29 6.68% $1,678
    CMG MORTGAGE, INC. 27 7.06% $3,394
    QUICKEN LOANS, LLC 25 6.72% $5,332
    CRANE 15 6.63% $1,879
    Jackson County Bank 13 6.51% $4,195
    INDIANA UNIVERSITY CREDIT UNION 13 6.57% $1,823
    Flanagan State Bank 12 6.73% $3,339
    Paramount Residential Mortgage Group, Inc. 8 6.94% $4,384
    JPMorgan Chase Bank 7 6.83% $3,339
    Centra Credit Union 6 6.81% $2,420
    MOVEMENT MORTGAGE, LLC 6 7.03% $4,479
    FIRST COMMUNITY MORTGAGE, INC. 6 7.04% $4,930
    UNITED WHOLESALE MORTGAGE, LLC 5 6.67% $7,825
    STOCKTON MORTGAGE CORPORATION 5 7.20% $4,442
    Old National Bank 4 6.97% $3,192
    German American Bank 4 5.72% $2,811
    LOANDEPOT.COM, LLC 4 6.78% $6,570
    CROSSCOUNTRY MORTGAGE, LLC 3 6.52% $5,863
    ROYAL UNITED MORTGAGE LLC 3 7.04% $6,375
    NAVY FEDERAL CREDIT UNION 3 6.33% $2,637
    MILESTONE HOME LENDING, LLC 2 6.81% $4,839
    UNION HOME MORTGAGE CORP. 2 7.31% $3,506
    FAIR WAY LENDING LLC 2 6.81% $5,607
    U.S. Bank 2 7.06% $2,381
    Farmers and Mechanics Federal Savings Bank 2 7.75% $2,360
    Regions Bank 2 7.00% $5,325
    Mr. Cooper ( Nationstar Mortgage ) 2 7.31% $7,156
    Prosperity Home Mortgage, LLC 2 6.88% $2,788
    RELIANCE FIRST CAPITAL, LLC 1 7.38% $1,026
    EVANSVILLE TEACHERS 1 6.63% $2,278
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.99% $3,788
    TENNESSEE VALLEY 1 6.50% $3,461
    The Huntington National Bank 1 6.63% $2,910
    Union Savings Bank 1 5.88% $988
    HOMESIDE FINANCIAL, LLC 1 7.50% $3,748
    INDIANA MEMBERS CREDIT UNION 1 7.00% $3,007
    GVC MORTGAGE, INC. 1 6.58% $3,915
    FLAT BRANCH MORTGAGE, INC. 1 6.63% $2,590
    JUSTICE Federal Credit Union 1 6.63% $3,823
    Wolfe Financial, Inc 1 7.38% $2,818
    Mortgage Research Center, LLC 1 7.13% $1,984
    Fifth Third Bank 1 5.99% $2,627
    NEWREZ LLC 1 7.50% $6,278
    Farm Credit Mid-America, ACA 1 7.00% $4,550
    PENNYMAC LOAN SERVICES, LLC 1 7.38% $6,716
    PURDUE FEDERAL CREDIT UNION 1 6.63% $1,747

    Bedford Average Closing Costs & Other Stats

    Bedford, IN's 46 lenders originated 1,024 loans during 2024. The total origination value was $164,280,000, with an average loan value of $160,430.

    Bedford's average closing costs are $4,047.

    The top Bedford lender as defined by loan originations is RUOFF MORTGAGE COMPANY, INC., with 29 loans originated. Their average total fees are $1,678, which is $1,716 lower than the next largest lender, CMG MORTGAGE, INC..

    The lowest fee Bedford lenders (with over 10 loans originated) are RUOFF MORTGAGE COMPANY, INC. ($1,678), INDIANA UNIVERSITY CREDIT UNION ($1,823), CRANE ($1,879), Flanagan State Bank ($3,339) and CMG MORTGAGE, INC. ($3,394).

    The lowest rate Bedford lenders (with over 10 loans originated) are Jackson County Bank (6.51%), INDIANA UNIVERSITY CREDIT UNION (6.57%), CRANE (6.63%), RUOFF MORTGAGE COMPANY, INC. (6.68%) and QUICKEN LOANS, LLC (6.72%).

    Bedford, IN 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
    RUOFF MORTGAGE COMPANY, INC. $29,340,000 $16,265,000 -44.6% 9.9%
    CMG MORTGAGE, INC. $410,000 $16,095,000 3,825.6% 9.8%
    CRANE $6,295,000 $10,860,000 72.5% 6.6%
    Mortgage Research Center, LLC $6,170,000 $8,785,000 42.4% 5.3%
    QUICKEN LOANS, LLC $7,015,000 $8,685,000 23.8% 5.3%
    Paramount Residential Mortgage Group, Inc. $3,140,000 $5,800,000 84.7% 3.5%
    Jackson County Bank $6,495,000 $4,895,000 -24.6% 3.0%
    INDIANA UNIVERSITY CREDIT UNION $2,910,000 $4,645,000 59.6% 2.8%
    German American Bank $4,760,000 $3,825,000 -19.6% 2.3%
    UNITED WHOLESALE MORTGAGE, LLC $1,540,000 $3,740,000 142.9% 2.3%
    Flanagan State Bank $4,680,000 $3,730,000 -20.3% 2.3%
    Old National Bank $1,580,000 $3,615,000 128.8% 2.2%
    FREEDOM MORTGAGE CORPORATION $1,600,000 $3,225,000 101.6% 2.0%
    Farm Credit Mid-America, ACA $355,000 $2,695,000 659.2% 1.6%
    MOVEMENT MORTGAGE, LLC $2,290,000 $2,680,000 17.0% 1.6%
    NAVY FEDERAL CREDIT UNION $2,290,000 $2,620,000 14.4% 1.6%
    PENNYMAC LOAN SERVICES, LLC $1,430,000 $2,410,000 68.5% 1.5%
    FIRST COMMUNITY MORTGAGE, INC. $2,345,000 n/a 1.4%
    Fifth Third Bank $2,550,000 $2,335,000 -8.4% 1.4%
    Carrington Mortgage Services, LLC $855,000 $1,720,000 101.2% 1.0%
    LOANDEPOT.COM, LLC $1,535,000 $1,680,000 9.4% 1.0%
    STOCKTON MORTGAGE CORPORATION $195,000 $1,675,000 759.0% 1.0%
    HOMESIDE FINANCIAL, LLC $1,665,000 n/a 1.0%
    Mr. Cooper ( Nationstar Mortgage ) $1,675,000 $1,395,000 -16.7% 0.8%
    JPMorgan Chase Bank $1,785,000 $1,260,000 -29.4% 0.8%
    Centra Credit Union $990,000 $1,150,000 16.2% 0.7%
    Owen County State Bank $2,910,000 $1,135,000 -61.0% 0.7%
    FLAT BRANCH MORTGAGE, INC. $1,130,000 n/a 0.7%
    LOANPAL, LLC $85,000 $1,060,000 1,147.1% 0.6%
    MUTUAL OF OMAHA MORTGAGE, INC. $140,000 $1,025,000 632.1% 0.6%
    BROKER SOLUTIONS, INC. $1,435,000 $1,015,000 -29.3% 0.6%
    VILLAGE CAPITAL MORTGAGE $95,000 $990,000 942.1% 0.6%
    Prosperity Home Mortgage, LLC $900,000 n/a 0.5%
    Regions Bank $275,000 $870,000 216.4% 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $265,000 $850,000 220.8% 0.5%
    FAIR WAY LENDING LLC $1,675,000 $830,000 -50.4% 0.5%
    ROYAL UNITED MORTGAGE LLC $365,000 $765,000 109.6% 0.5%
    NEW DAY FINANCIAL, LLC $415,000 $740,000 78.3% 0.5%
    STAR Financial Bank $730,000 n/a 0.4%
    UNION HOME MORTGAGE CORP. $105,000 $685,000 552.4% 0.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,550,000 $650,000 -58.1% 0.4%
    Plains Commerce Bank $195,000 $610,000 212.8% 0.4%
    SUCCESS MORTGAGE PARTNERS, INC. $340,000 $595,000 75.0% 0.4%
    PLANET HOME LENDING, LLC $165,000 $500,000 203.0% 0.3%
    The Federal Savings Bank $660,000 $495,000 -25.0% 0.3%
    Farmers and Mechanics Federal Savings Bank $210,000 $440,000 109.5% 0.3%
    The Peoples State Bank $1,765,000 $435,000 -75.4% 0.3%
    JUSTICE Federal Credit Union $425,000 n/a 0.3%
    NEWREZ LLC $580,000 $410,000 -29.3% 0.2%
    MORTGAGE MASTERS OF INDIANA, INC. $1,480,000 $400,000 -73.0% 0.2%
    U.S. Bank $60,000 $370,000 516.7% 0.2%
    GVC MORTGAGE, INC. $1,110,000 $360,000 -67.6% 0.2%
    MILESTONE HOME LENDING, LLC $625,000 $350,000 -44.0% 0.2%
    AMERICAN FINANCING CORPORATION $125,000 $345,000 176.0% 0.2%
    Equity Prime Mortgage LLC $260,000 $340,000 30.8% 0.2%
    First National Bank $115,000 $335,000 191.3% 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $105,000 $330,000 214.3% 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $290,000 $320,000 10.3% 0.2%
    DHI MORTGAGE COMPANY, LTD. $295,000 n/a 0.2%
    1ST SIGNATURE LENDING, LLC $285,000 n/a 0.2%
    Lakeview Community Capital, LLC $285,000 n/a 0.2%
    Barrington Bank & Trust Company, N.A. $95,000 $280,000 194.7% 0.2%
    First Financial Bank $140,000 $280,000 100.0% 0.2%
    Citizens Bank $55,000 $275,000 400.0% 0.2%
    Terre Haute Savings Bank $275,000 n/a 0.2%
    EVANSVILLE TEACHERS $270,000 n/a 0.2%
    First Federal Bank $265,000 n/a 0.2%
    AmeriHome Mortgage Company, LLC $255,000 n/a 0.2%
    Blue Ridge Bank $245,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $240,000 n/a 0.1%
    NexBank $225,000 n/a 0.1%
    PREMIA MORTGAGE, LLC $225,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $755,000 $205,000 -72.8% 0.1%
    The Huntington National Bank $285,000 $205,000 -28.1% 0.1%
    INDIANA MEMBERS CREDIT UNION $245,000 $195,000 -20.4% 0.1%
    HALLMARK HOME MORTGAGE, LLC $830,000 $185,000 -77.7% 0.1%
    TENNESSEE VALLEY $185,000 n/a 0.1%
    Mid-Southern Savings Bank, FSB $300,000 $170,000 -43.3% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $165,000 n/a 0.1%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $165,000 n/a 0.1%
    GENEVA FINANCIAL, LLC $165,000 n/a 0.1%
    TJC Mortgage, Inc. $165,000 n/a 0.1%
    INTERLINC MORTGAGE SERVICES, LLC $125,000 $145,000 16.0% 0.1%
    RELIANCE FIRST CAPITAL, LLC $230,000 $145,000 -37.0% 0.1%
    USAA Federal Savings Bank $1,050,000 $145,000 -86.2% 0.1%
    Figure Lending LLC $205,000 $135,000 -34.1% 0.1%
    First Financial Bank $140,000 $135,000 -3.6% 0.1%
    JMAC LENDING, INC. $135,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $820,000 $135,000 -83.5% 0.1%
    MICHIGAN MUTUAL, INC. $135,000 n/a 0.1%
    Union Savings Bank $310,000 $135,000 -56.5% 0.1%
    Centier Bank $125,000 n/a 0.1%
    GUARANTEED RATE, INC. $305,000 $125,000 -59.0% 0.1%
    LIMA ONE CAPITAL, LLC $115,000 n/a 0.1%
    CARDINAL FINANCIAL $105,000 n/a 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $85,000 n/a 0.1%
    Northwest Bank $315,000 $85,000 -73.0% 0.1%
    PURDUE FEDERAL CREDIT UNION $85,000 n/a 0.1%
    S1L, Inc. $85,000 n/a 0.1%
    Wolfe Financial, Inc $195,000 $85,000 -56.4% 0.1%
    21ST MORTGAGE CORPORATION $45,000 $75,000 66.7% 0.0%
    AMERISAVE MORTGAGE CORPORATION $1,015,000 $75,000 -92.6% 0.0%
    Citizens Bank $55,000 $75,000 36.4% 0.0%
    Flagstar Bank, FSB $495,000 $55,000 -88.9% 0.0%
    QUORUM FEDERAL CREDIT UNION $55,000 n/a 0.0%
    Bank of America $55,000 $35,000 -36.4% 0.0%
    Discover Bank $395,000 $35,000 -91.1% 0.0%
    Home Bank SB $410,000 $35,000 -91.5% 0.0%
    TEACHERS CREDIT UNION $110,000 $35,000 -68.2% 0.0%

    Bedford's top lender by overall market share is RUOFF MORTGAGE COMPANY, INC., with 9.9% market share. In second place, with 9.8%, is CMG MORTGAGE, INC., having originated $16,095,000 in loans. In third place, with 6.6%, is CRANE, having originated $10,860,000 in loans. In fourth place, with 5.3%, is Mortgage Research Center, LLC, having originated $8,785,000 in loans. In fifth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $8,685,000 in loans.

    Bedford Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Bedford (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 $114,975 (15.1%) $156,030 (9.9%) 0.00 204
    2018-02-01 $115,600 (12.9%) $159,765 (13.5%) 0.00 193
    2018-03-01 $112,000 (1.8%) $154,379 (0.2%) 0.00 201
    2018-04-01 $122,950 (2.5%) $177,269 (9.9%) 0.00 211
    2018-05-01 $129,900 (7.0%) $168,551 (3.3%) 0.00 218
    2018-06-01 $129,900 (0.0%) $167,017 (-1.3%) 0.00 211
    2018-07-01 $139,925 (7.7%) $172,923 (3.7%) 0.00 211
    2018-08-01 $139,900 (9.4%) $171,173 (2.1%) 0.00 232
    2018-09-01 $139,900 (10.2%) $180,213 (6.9%) 0.00 230
    2018-10-01 $139,900 (10.4%) $173,160 (2.7%) 0.00 240
    2018-11-01 $137,400 (5.8%) $170,528 (-1.6%) 0.00 234
    2018-12-01 $139,900 (21.7%) $172,435 (12.0%) 0.00 222
    2019-01-01 $134,050 (16.6%) $166,713 (6.9%) 0.00 207
    2019-02-01 $129,900 (12.4%) $167,201 (4.7%) 0.00 197
    2019-03-01 $135,086 (20.6%) $181,585 (17.6%) 0.00 168
    2019-04-01 $144,175 (17.3%) $197,058 (11.2%) 0.00 138
    2019-05-01 $147,700 (13.7%) $205,152 (21.7%) 0.00 140
    2019-06-01 $154,900 (19.3%) $206,091 (23.4%) 0.00 133
    2019-07-01 $159,900 (14.3%) $212,583 (22.9%) 0.00 129
    2019-08-01 $159,936 (14.3%) $212,489 (24.1%) 0.00 133
    2019-09-01 $159,916 (14.3%) $208,572 (15.7%) 0.00 132
    2019-10-01 $165,652 (18.4%) $205,306 (18.6%) 0.00 132
    2019-11-01 $169,900 (23.7%) $207,536 (21.7%) 0.00 133
    2019-12-01 $165,925 (18.6%) $219,278 (27.2%) 0.00 130
    2020-01-01 $159,950 (19.3%) $220,189 (32.1%) 0.00 123
    2020-02-01 $167,500 (29.0%) $227,815 (36.3%) 0.00 123
    2020-03-01 $164,350 (21.7%) $222,959 (22.8%) 0.00 121
    2020-04-01 $164,700 (14.2%) $219,903 (11.6%) 0.00 113
    2020-05-01 $174,950 (18.5%) $231,611 (12.9%) 0.00 102
    2020-06-01 $198,450 (28.1%) $235,884 (14.5%) 0.00 92
    2020-07-01 $184,675 (15.5%) $220,365 (3.7%) 0.00 93
    2020-08-01 $185,600 (16.1%) $220,660 (3.9%) 0.00 85
    2020-09-01 $167,450 (4.7%) $210,464 (0.9%) 0.00 82
    2020-10-01 $179,900 (8.6%) $216,612 (5.5%) 0.00 89
    2020-11-01 $183,225 (7.8%) $228,683 (10.2%) 0.00 77
    2020-12-01 $184,700 (11.3%) $227,090 (3.6%) 0.00 73
    2021-01-01 $183,900 (15.0%) $227,769 (3.4%) 0.00 62
    2021-02-01 $159,900 (-4.5%) $219,874 (-3.5%) 0.00 53
    2021-03-01 $183,900 (11.9%) $242,129 (8.6%) 0.00 49
    2021-04-01 $198,650 (20.6%) $274,231 (24.7%) 0.00 47
    2021-05-01 $205,950 (17.7%) $263,197 (13.6%) 0.00 58
    2021-06-01 $238,675 (20.3%) $281,913 (19.5%) 0.00 67
    2021-07-01 $249,900 (35.3%) $283,011 (28.4%) 0.00 77
    2021-08-01 $237,000 (27.7%) $245,646 (11.3%) 0.00 75
    2021-09-01 $245,350 (46.5%) $259,304 (23.2%) 0.00 84
    2021-10-01 $247,450 (37.6%) $254,341 (17.4%) 0.00 90
    2021-11-01 $224,925 (22.8%) $250,380 (9.5%) 0.00 80
    2021-12-01 $228,650 (23.8%) $242,278 (6.7%) 0.00 75
    2022-01-01 $249,900 (35.9%) $262,370 (15.2%) 0.00 63
    2022-02-01 $235,800 (47.5%) $251,342 (14.3%) 0.00 57
    2022-03-01 $228,675 (24.4%) $251,831 (4.0%) 0.00 57
    2022-04-01 $209,900 (5.7%) $235,318 (-14.2%) 0.00 52
    2022-05-01 $198,675 (-3.5%) $260,888 (-0.9%) 0.00 73
    2022-06-01 $215,000 (-9.9%) $273,153 (-3.1%) 0.00 89
    2022-07-01 $249,900 (0.0%) $292,788 (3.5%) 0.00 120
    2022-08-01 $247,575 (4.5%) $292,690 (19.2%) 0.00 116
    2022-09-01 $244,900 (-0.2%) $280,333 (8.1%) 0.00 128
    2022-10-01 $249,000 (0.6%) $291,846 (14.8%) 0.00 128
    2022-11-01 $246,900 (9.8%) $295,863 (18.2%) 0.00 126
    2022-12-01 $249,900 (9.3%) $295,121 (21.8%) 0.00 124
    2023-01-01 $247,200 (-1.1%) $315,400 (20.2%) 0.00 97
    2023-02-01 $239,900 (1.7%) $298,899 (18.9%) 0.00 79
    2023-03-01 $244,950 (7.1%) $318,488 (26.5%) 0.00 67
    2023-04-01 $232,400 (10.7%) $303,936 (29.2%) 0.00 66
    2023-05-01 $232,400 (17.0%) $293,246 (12.4%) 0.00 70
    2023-06-01 $239,175 (11.2%) $282,555 (3.4%) 0.00 76
    2023-07-01 $242,700 (-2.9%) $287,196 (-1.9%) 0.00 75
    2023-08-01 $233,700 (-5.6%) $287,706 (-1.7%) 0.00 81
    2023-09-01 $244,000 (-0.4%) $293,007 (4.5%) 0.00 101
    2023-10-01 $231,700 (-7.0%) $278,304 (-4.6%) 0.00 115
    2023-11-01 $227,450 (-7.9%) $279,087 (-5.7%) 0.00 111
    2023-12-01 $209,900 (-16.0%) $268,145 (-9.1%) 0.00 122
    2024-01-01 $219,900 (-11.0%) $269,648 (-14.5%) 0.00 115
    2024-02-01 $214,950 (-10.4%) $272,455 (-8.9%) 0.00 107
    2024-03-01 $219,900 (-10.2%) $282,986 (-11.2%) 0.00 106
    2024-04-01 $219,950 (-5.4%) $283,458 (-6.7%) 0.00 103
    2024-05-01 $209,425 (-9.9%) $291,007 (-0.8%) 0.00 107
    2024-06-01 $234,900 (-1.8%) $297,806 (5.4%) 0.00 109
    2024-07-01 $249,900 (3.0%) $309,504 (7.8%) 0.00 116
    2024-08-01 $259,900 (11.2%) $310,954 (8.1%) 0.00 122
    2024-09-01 $254,950 (4.5%) $297,603 (1.6%) 0.00 131
    2024-10-01 $249,900 (7.9%) $287,924 (3.5%) 0.00 136
    2024-11-01 $247,450 (8.8%) $282,408 (1.2%) 0.00 128
    2024-12-01 $239,950 (14.3%) $291,085 (8.6%) 0.00 121
    2025-01-01 $242,400 (10.2%) $277,669 (3.0%) 0.00 110
    2025-02-01 $258,650 (20.3%) $285,863 (4.9%) 0.00 110
    2025-03-01 $254,900 (15.9%) $293,107 (3.6%) 0.00 118
    Bedford's median listing price for 2025-03-01 was $254,900, a difference of $35,000 (15.9%) versus the prior year and $-3,750 versus the prior month.

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

    Bedford's average listing price for 2025-03-01 was $293,107, a difference of $10,121 (3.6%) versus the prior year and $7,244 versus the prior month.

    For the 2025-03-01 period, Bedford had 118 MLS listings, a difference of 8 listings (7%) versus the prior month and 12 listings (11%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bedford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,440 sqft
    2018-02-01 0 days 1,472 sqft
    2018-03-01 0 days 1,462 sqft
    2018-04-01 0 days 1,617 sqft
    2018-05-01 0 days 1,654 sqft
    2018-06-01 0 days 1,702 sqft
    2018-07-01 0 days 1,682 sqft
    2018-08-01 0 days 1,672 sqft
    2018-09-01 0 days 1,637 sqft
    2018-10-01 0 days 1,668 sqft
    2018-11-01 0 days 1,639 sqft
    2018-12-01 0 days 1,657 sqft
    2019-01-01 0 days 1,631 sqft
    2019-02-01 0 days 1,636 sqft
    2019-03-01 0 days 1,622 sqft
    2019-04-01 0 days 1,591 sqft
    2019-05-01 0 days 1,677 sqft
    2019-06-01 0 days 1,668 sqft
    2019-07-01 0 days 1,771 sqft
    2019-08-01 0 days 1,816 sqft
    2019-09-01 0 days 1,809 sqft
    2019-10-01 0 days 1,820 sqft
    2019-11-01 0 days 1,728 sqft
    2019-12-01 0 days 1,592 sqft
    2020-01-01 0 days 1,664 sqft
    2020-02-01 0 days 1,786 sqft
    2020-03-01 0 days 1,803 sqft
    2020-04-01 0 days 1,839 sqft
    2020-05-01 0 days 1,848 sqft
    2020-06-01 0 days 1,899 sqft
    2020-07-01 0 days 1,831 sqft
    2020-08-01 0 days 1,764 sqft
    2020-09-01 0 days 1,785 sqft
    2020-10-01 0 days 1,740 sqft
    2020-11-01 0 days 1,693 sqft
    2020-12-01 0 days 1,714 sqft
    2021-01-01 0 days 1,650 sqft
    2021-02-01 0 days 1,594 sqft
    2021-03-01 0 days 1,678 sqft
    2021-04-01 0 days 1,664 sqft
    2021-05-01 0 days 1,678 sqft
    2021-06-01 0 days 1,670 sqft
    2021-07-01 0 days 1,684 sqft
    2021-08-01 0 days 1,689 sqft
    2021-09-01 0 days 1,779 sqft
    2021-10-01 0 days 1,750 sqft
    2021-11-01 0 days 1,731 sqft
    2021-12-01 0 days 1,757 sqft
    2022-01-01 0 days 1,750 sqft
    2022-02-01 0 days 1,687 sqft
    2022-03-01 0 days 1,581 sqft
    2022-04-01 0 days 1,475 sqft
    2022-05-01 0 days 1,442 sqft
    2022-06-01 0 days 1,562 sqft
    2022-07-01 0 days 1,691 sqft
    2022-08-01 0 days 1,774 sqft
    2022-09-01 0 days 1,780 sqft
    2022-10-01 0 days 1,750 sqft
    2022-11-01 0 days 1,790 sqft
    2022-12-01 0 days 1,786 sqft
    2023-01-01 0 days 1,750 sqft
    2023-02-01 0 days 1,703 sqft
    2023-03-01 0 days 1,788 sqft
    2023-04-01 0 days 1,765 sqft
    2023-05-01 0 days 1,745 sqft
    2023-06-01 0 days 1,806 sqft
    2023-07-01 0 days 1,750 sqft
    2023-08-01 0 days 1,793 sqft
    2023-09-01 0 days 1,739 sqft
    2023-10-01 0 days 1,690 sqft
    2023-11-01 0 days 1,674 sqft
    2023-12-01 0 days 1,578 sqft
    2024-01-01 0 days 1,570 sqft
    2024-02-01 0 days 1,579 sqft
    2024-03-01 0 days 1,570 sqft
    2024-04-01 0 days 1,589 sqft
    2024-05-01 0 days 1,546 sqft
    2024-06-01 0 days 1,615 sqft
    2024-07-01 0 days 1,623 sqft
    2024-08-01 0 days 1,680 sqft
    2024-09-01 0 days 1,655 sqft
    2024-10-01 0 days 1,679 sqft
    2024-11-01 0 days 1,677 sqft
    2024-12-01 0 days 1,648 sqft
    2025-01-01 0 days 1,626 sqft
    2025-02-01 0 days 1,625 sqft
    2025-03-01 0 days 1,611 sqft
    Bedford's median listing age (time on market) for 2025-03-01 was 0 days.

    Bedford's median square footage for active listings during the 2025-03-01 period was 1,611 sqft. One year prior, the average listing was 1,570 sqft.

    Bedford, IN Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 517 $98,745,000 $190,996
    Cash Out Refi 211 $35,565,000 $168,555
    Other 101 $7,175,000 $71,040
    Refi 100 $16,640,000 $166,400
    Home Improvement 95 $6,155,000 $64,789

    Bedford's most frequently cited loan purpose was Home Purchase, with 517 originations. The 2nd most popular reason was Cash Out Refi, with 211 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 430 $76,400,000 $177,674
    7-8% 250 $44,950,000 $179,800
    Over 8% 180 $14,500,000 $80,556
    5-6% 102 $21,530,000 $211,078
    <2.5% 29 $2,555,000 $88,103
    4-5% 8 $1,290,000 $161,250
    3-4% 3 $335,000 $111,667

    During 2024, Bedford's most frequently originated rate bucket was 6-7%, with 430 originations.

    Loan Sizing (Bedford, IN MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 413 $61,115,000 $147,978
    $100,000 or less 342 $17,840,000 $52,164
    $200k-400k 233 $61,695,000 $264,785
    $400k-600k 29 $13,205,000 $455,345
    $600k-1000k 5 $3,915,000 $783,000
    $Over $1MM 2 $6,510,000 $3,255,000

    Bedford's loan sizing saw the bucket of loans from $100k-200k with 413 originations, totaling $61,115,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 425 $89,955,000 $211,659
    60-80% 157 $33,355,000 $212,452
    Under 20% 148 $4,850,000 $32,770
    20-40% 130 $10,730,000 $82,538
    40-60% 106 $13,050,000 $123,113
    Over 100% 18 $4,830,000 $268,333

    Bedford's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 425 originations, totaling $89,955,000 in origination value.