Campbellsville Mortgage Rates
30 Year Fixed Rate mortgages in Campbellsville averaged
6.3%
for the week of 2022-06-23, compared to the national average of
5.81% for the same period.
The average rate for the prior week (2022-06-16) was
5.87% and
one month ago for the week of 2022-05-19, the
average rate was 5.54%.
Campbellsville's average rate one year ago was 3.29%.
For refis of the same type during the week of 2022-06-23, the average rate
was 6.03%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
Campbellsville 30 Year Fixed Rate | 2022-06-23 | 6.3% |
Campbellsville 30 Year Fixed Rate Refi | 2022-06-23 | 6.03% |
Campbellsville 15 Year Fixed Rate | 2022-06-23 | 6.87% |
Campbellsville 15 Year Fixed Rate Refi | 2022-06-23 | 5.36% |
Campbellsville 30 Year FHA | 2022-06-23 | 0.43% |
Campbellsville 30 Year FHA Refi | 2022-06-23 | -0.01% |
Campbellsville 30 Year USDA | 2022-06-23 | 0.11% |
Campbellsville 30 Year USDA Refi | 2022-06-23 | 0.39% |
Campbellsville 30 Year VA | 2022-06-23 | 0.24% |
Campbellsville 30 Year VA Refi | 2022-06-23 | 0.04% |
Campbellsville Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Campbellsville, 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.).
Campbellsville, KY's 47 lenders originated 749
loans during 2021. The total origination value was $98,535,000, with an average loan value of
$131,555.
The top Campbellsville lender as defined by loan originations is Community Trust Bank, Inc., with
46 loans originated. Their average total fees are
$2,344, which is $2,265
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Campbellsville lenders (with over 10 loans originated) are
Forcht Bank ($2,054), Abound Federal Credit Union ($2,113), Magnolia Bank ($2,236), Community Trust Bank, Inc. ($2,344) and STOCKTON MORTGAGE CORPORATION ($2,907).
The lowest rate Campbellsville lenders (with over 10 loans originated) are
STOCKTON MORTGAGE CORPORATION (2.89%), Magnolia Bank (2.95%), Abound Federal Credit Union (3.14%), QUICKEN LOANS, LLC (3.16%) and Community Trust Bank, Inc. (3.19%).
Campbellsville, KY Lender Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
Name | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
---|---|---|---|---|
Community Trust Bank, Inc. | $19,980,000 | $18,550,000 | -7.2% | 18.8% |
QUICKEN LOANS, LLC | $6,295,000 | $11,340,000 | 80.1% | 11.5% |
Forcht Bank | $6,470,000 | $9,305,000 | 43.8% | 9.4% |
Abound Federal Credit Union | $6,375,000 | $7,435,000 | 16.6% | 7.5% |
STOCKTON MORTGAGE CORPORATION | $5,130,000 | $6,905,000 | 34.6% | 7.0% |
Magnolia Bank | $5,425,000 | $3,060,000 | -43.6% | 3.1% |
Mortgage Research Center, LLC | $2,340,000 | $2,895,000 | 23.7% | 2.9% |
MORTGAGE SUPPLIERS, INC. | $2,620,000 | $2,250,000 | -14.1% | 2.3% |
Farm Credit Mid-America, ACA | $1,670,000 | $2,210,000 | 32.3% | 2.2% |
FREEDOM MORTGAGE CORPORATION | $2,295,000 | $1,845,000 | -19.6% | 1.9% |
Republic State Mortgage Co. | $470,000 | $1,605,000 | 241.5% | 1.6% |
AMERIFIRST FINANCIAL CORPORATION | $1,105,000 | $1,505,000 | 36.2% | 1.5% |
HOME POINT FINANCIAL CORPORATION | $1,505,000 | n/a | 1.5% | |
AMERISAVE MORTGAGE CORPORATION | $660,000 | $1,125,000 | 70.5% | 1.1% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $690,000 | $1,020,000 | 47.8% | 1.0% |
Flanagan State Bank | $500,000 | $995,000 | 99.0% | 1.0% |
Mr. Cooper ( Nationstar Mortgage ) | $500,000 | $935,000 | 87.0% | 0.9% |
SOUTH CENTRAL BANK, INC. | $1,445,000 | $840,000 | -41.9% | 0.9% |
UNITED WHOLESALE MORTGAGE, LLC | $875,000 | $790,000 | -9.7% | 0.8% |
NAVY FEDERAL CREDIT UNION | $250,000 | $750,000 | 200.0% | 0.8% |
Renasant Bank | $65,000 | $715,000 | 1,000.0% | 0.7% |
PENNYMAC LOAN SERVICES, LLC | $270,000 | $710,000 | 163.0% | 0.7% |
Carrington Mortgage Services, LLC | $780,000 | $685,000 | -12.2% | 0.7% |
First Financial Bank | $5,000 | $670,000 | 13,300.0% | 0.7% |
U.S. Bank | $815,000 | $650,000 | -20.2% | 0.7% |
21ST MORTGAGE CORPORATION | $560,000 | $610,000 | 8.9% | 0.6% |
Citizens Bank | $605,000 | n/a | 0.6% | |
NEWREZ LLC | $45,000 | $580,000 | 1,188.9% | 0.6% |
Bank of England | $105,000 | $565,000 | 438.1% | 0.6% |
JPMorgan Chase Bank | $65,000 | $560,000 | 761.5% | 0.6% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $650,000 | $515,000 | -20.8% | 0.5% |
BETTER MORTGAGE CORPORATION | $135,000 | $505,000 | 274.1% | 0.5% |
1ST SIGNATURE LENDING, LLC | $485,000 | n/a | 0.5% | |
GERSHMAN INVESTMENT CORP. | $430,000 | n/a | 0.4% | |
Flagstar Bank, FSB | $390,000 | $425,000 | 9.0% | 0.4% |
COMMONWEALTH | $405,000 | $410,000 | 1.2% | 0.4% |
NP, Inc. | $400,000 | n/a | 0.4% | |
NEW DAY FINANCIAL, LLC | $135,000 | $385,000 | 185.2% | 0.4% |
MOVEMENT MORTGAGE, LLC | $440,000 | $380,000 | -13.6% | 0.4% |
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $125,000 | $360,000 | 188.0% | 0.4% |
First Savings Bank | $300,000 | $350,000 | 16.7% | 0.4% |
VILLAGE CAPITAL & INVESTMENT LLC | $485,000 | $345,000 | -28.9% | 0.4% |
West Point Bank | $345,000 | n/a | 0.4% | |
Northpointe Bank | $365,000 | $335,000 | -8.2% | 0.3% |
CALIBER HOME LOANS, INC. | $410,000 | $330,000 | -19.5% | 0.3% |
PNC Bank | $265,000 | $330,000 | 24.5% | 0.3% |
Paramount Residential Mortgage Group, Inc. | $330,000 | $320,000 | -3.0% | 0.3% |
The Huntington National Bank | $320,000 | n/a | 0.3% | |
Citizens Union Bank of Shelbyville | $305,000 | n/a | 0.3% | |
GUARANTEED RATE, INC. | $285,000 | n/a | 0.3% | |
INTERLINC MORTGAGE SERVICES, LLC | $155,000 | $285,000 | 83.9% | 0.3% |
Nations Lending Corporation | $280,000 | n/a | 0.3% | |
EVANSVILLE TEACHERS | $175,000 | $275,000 | 57.1% | 0.3% |
MORTGAGE ACCESS CORP. | $275,000 | n/a | 0.3% | |
Waterstone Mortgage Corporation | $260,000 | n/a | 0.3% | |
GUARANTY HOME MORTGAGE CORPORATION | $135,000 | $255,000 | 88.9% | 0.3% |
United Fidelity Funding Corp. | $255,000 | n/a | 0.3% | |
Edmonton State Bank | $270,000 | $250,000 | -7.4% | 0.3% |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $175,000 | $245,000 | 40.0% | 0.2% |
ROSS MORTGAGE CORPORATION | $245,000 | n/a | 0.2% | |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $240,000 | n/a | 0.2% | |
LOANDEPOT.COM, LLC | $650,000 | $240,000 | -63.1% | 0.2% |
HAMILTON HOME LOANS, INC. | $235,000 | n/a | 0.2% | |
AMERICAN MORTGAGE SERVICE COMPANY | $530,000 | $230,000 | -56.6% | 0.2% |
Colonial Savings, F.A. | $225,000 | n/a | 0.2% | |
RUOFF MORTGAGE COMPANY, INC. | $65,000 | $205,000 | 215.4% | 0.2% |
THRIVE MORTGAGE, LLC | $195,000 | n/a | 0.2% | |
North American Savings Bank, F.S.B. | $185,000 | $185,000 | 0.0% | 0.2% |
Bank of America | $180,000 | n/a | 0.2% | |
Truist Bank | $290,000 | $170,000 | -41.4% | 0.2% |
PARTNERS UNITED FINANCIAL, LLC | $165,000 | n/a | 0.2% | |
The Federal Savings Bank | $155,000 | n/a | 0.2% | |
The Monticello Banking Company | $155,000 | $155,000 | 0.0% | 0.2% |
Limestone Bank, Inc. | $305,000 | $145,000 | -52.5% | 0.1% |
GoPrime Mortgage, Inc. | $140,000 | n/a | 0.1% | |
GENEVA FINANCIAL, LLC | $135,000 | n/a | 0.1% | |
Hometown Lenders, Inc. | $135,000 | n/a | 0.1% | |
Low VA Rates, LLC | $175,000 | $135,000 | -22.9% | 0.1% |
USAA Federal Savings Bank | $75,000 | $135,000 | 80.0% | 0.1% |
AgFirst Farm Credit Bank | $600,000 | $125,000 | -79.2% | 0.1% |
Commonwealth Bank and Trust Company | $245,000 | $125,000 | -49.0% | 0.1% |
AmRes Corporation | $115,000 | n/a | 0.1% | |
InterContinental Capital Group, Inc | $115,000 | n/a | 0.1% | |
CREDIT HUMAN FEDERAL CREDIT UNION | $110,000 | n/a | 0.1% | |
AMERICAN FINANCING CORPORATION | $105,000 | n/a | 0.1% | |
Barrington Bank & Trust Company, N.A. | $175,000 | $105,000 | -40.0% | 0.1% |
Cumberland Valley National Bank & Trust Company | $105,000 | n/a | 0.1% | |
First Option Mortgage, LLC | $105,000 | n/a | 0.1% | |
Republic Bank & Trust Company | $65,000 | $105,000 | 61.5% | 0.1% |
HOMESIDE FINANCIAL, LLC | $95,000 | n/a | 0.1% | |
CSL Financial, LLC | $75,000 | n/a | 0.1% | |
LAKEVIEW LOAN SERVICING, LLC | $370,000 | $75,000 | -79.7% | 0.1% |
L & N Federal Credit Union | $135,000 | $75,000 | -44.4% | 0.1% |
SPRING EQ, LLC | $75,000 | n/a | 0.1% | |
SUMMIT FUNDING, INC. | $75,000 | n/a | 0.1% | |
ROYAL UNITED MORTGAGE LLC | $105,000 | $55,000 | -47.6% | 0.1% |
The Cecilian Bank | $85,000 | $55,000 | -35.3% | 0.1% |
Wilson & Muir Bank & Trust Company | $140,000 | $35,000 | -75.0% | 0.0% |
Campbellsville's top lender by overall market share is Community Trust Bank, Inc., with 18.8% market share. In second place, with 11.5%, is QUICKEN LOANS, LLC, having originated $11,340,000 in loans. In third place, with 9.4%, is Forcht Bank, having originated $9,305,000 in loans. In third place, with 7.5%, is Abound Federal Credit Union, having originated $7,435,000 in loans. In third place, with 7.0%, is STOCKTON MORTGAGE CORPORATION, having originated $6,905,000 in loans.
Campbellsville, KY Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 348 | $52,560,000 | $151,034 |
Refi | 206 | $27,180,000 | $131,942 |
Cash Out Refi | 108 | $13,980,000 | $129,444 |
Other | 58 | $3,140,000 | $54,138 |
Home Improvement | 29 | $1,675,000 | $57,759 |
Campbellsville's most frequently cited loan purpose was Home Purchase, with 348 originations. The 2nd most popular reason was Refi, with 206 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
3-4% | 312 | $40,810,000 | $130,801 |
2.5-3% | 231 | $34,595,000 | $149,762 |
<2.5% | 113 | $15,985,000 | $141,460 |
4-5% | 55 | $3,955,000 | $71,909 |
5-6% | 14 | $990,000 | $70,714 |
6-7% | 6 | $770,000 | $128,333 |
7-8% | 6 | $530,000 | $88,333 |
Over 8% | 4 | $270,000 | $67,500 |
During 2021, Campbellsville's most frequently originated rate bucket was 3-4%, with 312 originations.
Loan Sizing (Campbellsville, KY MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 339 | $48,455,000 | $142,935 |
$100,000 or less | 297 | $18,355,000 | $61,801 |
$200k-400k | 102 | $26,280,000 | $257,647 |
$400k-600k | 11 | $5,445,000 | $495,000 |
Campbellsville's loan sizing saw the bucket of loans from $100k-200k with 339 originations, totaling $48,455,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 307 | $47,975,000 | $156,270 |
60-80% | 187 | $26,685,000 | $142,701 |
40-60% | 86 | $10,190,000 | $118,488 |
20-40% | 79 | $5,155,000 | $65,253 |
Under 20% | 45 | $1,525,000 | $33,889 |
Over 100% | 23 | $4,295,000 | $186,739 |
Campbellsville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 307 originations, totaling $47,975,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Campbellsville (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 | $159,950 (0.0%) | $168,294 (-10.2%) | 0.00 | 66 |
2018-02-01 | $164,500 (2.9%) | $173,563 (-4.3%) | 0.00 | 61 |
2018-03-01 | $160,000 (1.0%) | $171,412 (-2.3%) | 0.00 | 57 |
2018-04-01 | $154,900 (-11.4%) | $160,084 (-15.6%) | 0.00 | 59 |
2018-05-01 | $159,900 (-8.6%) | $170,473 (-8.0%) | 0.00 | 58 |
2018-06-01 | $149,900 (-10.2%) | $160,427 (-11.8%) | 0.00 | 70 |
2018-07-01 | $149,000 (-14.8%) | $158,758 (-13.0%) | 0.00 | 75 |
2018-08-01 | $139,975 (-20.0%) | $146,727 (-18.3%) | 0.00 | 76 |
2018-09-01 | $139,900 (-21.0%) | $143,377 (-19.7%) | 0.00 | 78 |
2018-10-01 | $139,900 (-19.1%) | $150,438 (-12.6%) | 0.00 | 84 |
2018-11-01 | $149,200 (-9.3%) | $152,691 (-11.9%) | 0.00 | 82 |
2018-12-01 | $139,950 (-12.5%) | $157,074 (-11.5%) | 0.00 | 78 |
2019-01-01 | $139,900 (-12.5%) | $161,393 (-4.1%) | 0.00 | 71 |
2019-02-01 | $140,000 (-14.9%) | $169,425 (-2.4%) | 0.00 | 75 |
2019-03-01 | $139,971 (-12.5%) | $159,698 (-6.8%) | 0.00 | 77 |
2019-04-01 | $139,996 (-9.6%) | $155,174 (-3.1%) | 0.00 | 77 |
2019-05-01 | $144,900 (-9.4%) | $157,871 (-7.4%) | 0.00 | 77 |
2019-06-01 | $150,000 (0.1%) | $161,845 (0.9%) | 0.00 | 71 |
2019-07-01 | $150,000 (0.7%) | $170,010 (7.1%) | 0.00 | 72 |
2019-08-01 | $147,857 (5.6%) | $177,421 (20.9%) | 0.00 | 75 |
2019-09-01 | $144,950 (3.6%) | $183,584 (28.0%) | 0.00 | 79 |
2019-10-01 | $139,900 (0.0%) | $176,711 (17.5%) | 0.00 | 76 |
2019-11-01 | $139,900 (-6.2%) | $174,914 (14.6%) | 0.00 | 68 |
2019-12-01 | $125,000 (-10.7%) | $165,479 (5.4%) | 0.00 | 67 |
2020-01-01 | $125,000 (-10.7%) | $168,833 (4.6%) | 0.00 | 68 |
2020-02-01 | $145,000 (3.6%) | $188,553 (11.3%) | 0.00 | 61 |
2020-03-01 | $189,200 (35.2%) | $201,503 (26.2%) | 0.00 | 53 |
2020-04-01 | $189,900 (35.7%) | $203,945 (31.4%) | 0.00 | 50 |
2020-05-01 | $179,900 (24.2%) | $205,482 (30.2%) | 0.00 | 49 |
2020-06-01 | $174,900 (16.6%) | $208,154 (28.6%) | 0.00 | 48 |
2020-07-01 | $157,400 (4.9%) | $201,862 (18.7%) | 0.00 | 40 |
2020-08-01 | $187,000 (26.5%) | $224,963 (26.8%) | 0.00 | 39 |
2020-09-01 | $196,200 (35.4%) | $254,839 (38.8%) | 0.00 | 32 |
2020-10-01 | $196,500 (40.5%) | $252,158 (42.7%) | 0.00 | 36 |
2020-11-01 | $180,450 (29.0%) | $243,087 (39.0%) | 0.00 | 39 |
2020-12-01 | $196,500 (57.2%) | $257,390 (55.5%) | 0.00 | 28 |
2021-01-01 | $189,900 (51.9%) | $248,873 (47.4%) | 0.00 | 33 |
2021-02-01 | $240,000 (65.5%) | $262,149 (39.0%) | 0.00 | 27 |
2021-03-01 | $219,500 (16.0%) | $256,884 (27.5%) | 0.00 | 33 |
2021-04-01 | $182,450 (-3.9%) | $231,003 (13.3%) | 0.00 | 30 |
2021-05-01 | $249,900 (38.9%) | $276,740 (34.7%) | 0.00 | 21 |
2021-06-01 | $222,499 (27.2%) | $290,028 (39.3%) | 0.00 | 24 |
2021-07-01 | $272,400 (73.1%) | $305,611 (51.4%) | 0.00 | 29 |
2021-08-01 | $264,900 (41.7%) | $288,140 (28.1%) | 0.00 | 36 |
2021-09-01 | $254,839 (29.9%) | $276,907 (8.7%) | 0.00 | 50 |
2021-10-01 | $235,000 (19.6%) | $267,261 (6.0%) | 0.00 | 50 |
2021-11-01 | $234,900 (30.2%) | $317,044 (30.4%) | 0.00 | 49 |
2021-12-01 | $229,900 (17.0%) | $332,617 (29.2%) | 0.00 | 34 |
2022-01-01 | $219,000 (15.3%) | $291,466 (17.1%) | 0.00 | 43 |
2022-02-01 | $220,000 (-8.3%) | $299,438 (14.2%) | 0.00 | 41 |
2022-03-01 | $215,000 (-2.1%) | $308,490 (20.1%) | 0.00 | 40 |
2022-04-01 | $255,000 (39.8%) | $330,566 (43.1%) | 0.00 | 43 |
2022-05-01 | $252,450 (1.0%) | $339,016 (22.5%) | 0.00 | 46 |
Campbellsville's median listing price comes in at 0% of the national average.
Campbellsville's average listing price for 2022-05-01 was $339,016, a difference of $62,276 (22.5%) versus the prior year and $8,450 versus the prior month.
For the 2022-05-01 period, Campbellsville had 46 MLS listings, a difference of 3 listings (7%) versus the prior month and 25 listings (119%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Campbellsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,846 sqft |
2018-02-01 | 0 days | 1,865 sqft |
2018-03-01 | 0 days | 1,812 sqft |
2018-04-01 | 0 days | 1,786 sqft |
2018-05-01 | 0 days | 1,871 sqft |
2018-06-01 | 0 days | 1,762 sqft |
2018-07-01 | 0 days | 1,702 sqft |
2018-08-01 | 0 days | 1,663 sqft |
2018-09-01 | 0 days | 1,668 sqft |
2018-10-01 | 0 days | 1,668 sqft |
2018-11-01 | 0 days | 1,558 sqft |
2018-12-01 | 0 days | 1,550 sqft |
2019-01-01 | 0 days | 1,595 sqft |
2019-02-01 | 0 days | 1,706 sqft |
2019-03-01 | 0 days | 1,742 sqft |
2019-04-01 | 0 days | 1,734 sqft |
2019-05-01 | 0 days | 1,592 sqft |
2019-06-01 | 0 days | 1,624 sqft |
2019-07-01 | 0 days | 1,757 sqft |
2019-08-01 | 0 days | 1,787 sqft |
2019-09-01 | 0 days | 1,861 sqft |
2019-10-01 | 0 days | 1,840 sqft |
2019-11-01 | 0 days | 1,808 sqft |
2019-12-01 | 0 days | 1,808 sqft |
2020-01-01 | 0 days | 1,724 sqft |
2020-02-01 | 0 days | 1,808 sqft |
2020-03-01 | 0 days | 1,872 sqft |
2020-04-01 | 0 days | 1,820 sqft |
2020-05-01 | 0 days | 1,851 sqft |
2020-06-01 | 0 days | 1,854 sqft |
2020-07-01 | 0 days | 1,754 sqft |
2020-08-01 | 0 days | 1,758 sqft |
2020-09-01 | 0 days | 1,884 sqft |
2020-10-01 | 0 days | 1,950 sqft |
2020-11-01 | 0 days | 1,802 sqft |
2020-12-01 | 0 days | 2,024 sqft |
2021-01-01 | 0 days | 2,050 sqft |
2021-02-01 | 0 days | 2,300 sqft |
2021-03-01 | 0 days | 2,175 sqft |
2021-04-01 | 0 days | 1,924 sqft |
2021-05-01 | 0 days | 2,242 sqft |
2021-06-01 | 0 days | 1,802 sqft |
2021-07-01 | 0 days | 1,842 sqft |
2021-08-01 | 0 days | 1,932 sqft |
2021-09-01 | 0 days | 1,893 sqft |
2021-10-01 | 0 days | 1,797 sqft |
2021-11-01 | 0 days | 1,843 sqft |
2021-12-01 | 0 days | 1,920 sqft |
2022-01-01 | 0 days | 1,400 sqft |
2022-02-01 | 0 days | 1,444 sqft |
2022-03-01 | 0 days | 1,405 sqft |
2022-04-01 | 0 days | 1,656 sqft |
2022-05-01 | 0 days | 1,817 sqft |
Campbellsville's median square footage for active listings during the 2022-05-01 period was 1,817 sqft. One year prior, the average listing was 2,242 sqft.