ELIZABETHTOWN - FORT KNOX Mortgage Rates

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

30 Year Fixed Rate mortgages in Elizabethtown - Fort Knox averaged 5.96% 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 5.83% and one month ago for the week of 2022-05-19, the average rate was 5.4%.

Elizabethtown - Fort Knox's average rate one year ago was 3.27%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.08%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Elizabethtown - Fort Knox 30 Year Fixed Rate 2022-06-23 5.96%
Elizabethtown - Fort Knox 30 Year Fixed Rate Refi 2022-06-23 6.08%
Elizabethtown - Fort Knox 15 Year Fixed Rate 2022-06-23 5.42%
Elizabethtown - Fort Knox 15 Year Fixed Rate Refi 2022-06-23 5.17%
Elizabethtown - Fort Knox 30 Year FHA 2022-06-23 0.25%
Elizabethtown - Fort Knox 30 Year FHA Refi 2022-06-23 -0.28%
Elizabethtown - Fort Knox 30 Year USDA 2022-06-23 0.16%
Elizabethtown - Fort Knox 30 Year USDA Refi 2022-06-23 0.48%
Elizabethtown - Fort Knox 30 Year VA 2022-06-23 0.3%
Elizabethtown - Fort Knox 30 Year VA Refi 2022-06-23 -0.17%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ELIZABETHTOWN-FORT KNOX, KY.

ELIZABETHTOWN - FORT KNOX 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 ELIZABETHTOWN-FORT KNOX, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Abound Federal Credit Union 200 3.22% $2,118
SOUTH CENTRAL BANK, INC. 162 2.89% $2,578
QUICKEN LOANS, LLC 127 3.19% $4,715
UNITED WHOLESALE MORTGAGE, LLC 108 3.05% $3,127
Commonwealth Bank and Trust Company 59 3.19% $2,745
The Cecilian Bank 58 4.08% $1,928
Citizens Bank 56 3.05% $3,006
Magnolia Bank 50 3.35% $2,765
JPMorgan Chase Bank 44 3.06% $3,328
AMERIFIRST FINANCIAL CORPORATION 40 3.16% $3,543
WesBanco Bank, Inc. 38 3.09% $3,010
Mortgage Research Center, LLC 37 2.94% $2,156
Wells Fargo Bank 37 3.31% $3,133
NAVY FEDERAL CREDIT UNION 32 3.73% $3,201
AMERISAVE MORTGAGE CORPORATION 32 3.10% $4,355
HOME POINT FINANCIAL CORPORATION 31 3.17% $3,121
Prosperity Home Mortgage, LLC 21 3.10% $3,124
STOCKTON MORTGAGE CORPORATION 19 3.14% $3,249
FREEDOM MORTGAGE CORPORATION 17 3.30% $2,953
Farm Credit Mid-America, ACA 17 3.52% $6,293
Stock Yards Bank & Trust Company 16 3.12% $2,372
Republic Bank & Trust Company 16 3.16% $3,142
L & N Federal Credit Union 15 3.50% $2,191
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 3.29% $3,234
LOANDEPOT.COM, LLC 14 3.03% $3,689
BROKER SOLUTIONS, INC. 12 3.30% $4,054
PENNYMAC LOAN SERVICES, LLC 11 3.23% $4,344
Mr. Cooper ( Nationstar Mortgage ) 10 3.34% $4,811
Truist Bank 10 2.94% $2,802
Republic State Mortgage Co. 10 2.93% $2,856
Fifth Third Bank 9 3.28% $3,095
PNC Bank 9 3.28% $2,410
THE MORTGAGE WAREHOUSE,LLC 9 3.10% $3,019
U.S. Bank 8 3.12% $2,916
CROSSCOUNTRY MORTGAGE, LLC 8 3.33% $3,643
BETTER MORTGAGE CORPORATION 8 2.97% $2,996
INTERLINC MORTGAGE SERVICES, LLC 7 3.23% $3,647
EVANSVILLE TEACHERS 7 3.20% $2,602
RUOFF MORTGAGE COMPANY, INC. 7 3.34% $1,900
First Savings Bank 7 2.98% $2,103
BAY EQUITY LLC 7 3.11% $3,427
CALIBER HOME LOANS, INC. 7 3.21% $3,396
MUTUAL OF OMAHA MORTGAGE, INC. 6 3.16% $5,224
MOVEMENT MORTGAGE, LLC 6 3.19% $3,199
AMERICAN MORTGAGE SERVICE COMPANY 6 3.38% $2,873
EVERETT FINANCIAL, INC. 5 3.27% $1,591
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 2.95% $3,649
Bank of America 5 2.90% $2,743
FIRST COMMUNITY MORTGAGE, INC. 5 2.98% $2,703
ENVOY MORTGAGE, LTD 5 3.17% $4,075
PLAZA HOME MORTGAGE, INC. 5 3.38% $2,721
HOMESIDE FINANCIAL, LLC 5 3.70% $3,101
Citizens Union Bank of Shelbyville 5 3.25% $2,748
THRIVE MORTGAGE, LLC 4 3.31% $3,968
Flagstar Bank, FSB 4 3.28% $3,517
Paramount Residential Mortgage Group, Inc. 4 3.16% $4,490
Nations Lending Corporation 4 3.18% $5,578
EMBRACE HOME LOANS, INC. 3 3.45% $3,968
First Harrison Bank 3 2.92% $2,343
Waterstone Mortgage Corporation 3 3.00% $4,084
COMMONWEALTH 3 2.79% $2,327
NEWREZ LLC 3 4.17% $3,201
TRANSCEND 3 3.33% $3,041
RELIANCE FIRST CAPITAL, LLC 3 3.33% $6,697
PROVIDENT FUNDING ASSOCIATES, L.P. 3 2.79% $2,736
STEARNS LENDING, LLC 3 2.83% $3,688
Carrington Mortgage Services, LLC 3 3.54% $5,153
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.17% $3,574
Century Mortgage Company DBA Century Lending Company 3 3.50% $3,556
First Financial Bank 3 3.13% $3,576
InterContinental Capital Group, Inc 3 3.13% $3,715
AMERICAN FINANCING CORPORATION 2 3.00% $2,243
NBKC BANK 2 2.94% $3,341
The Monticello Banking Company 2 3.44% $2,056
Third Federal Savings and Loan Association of Cleveland 2 2.44% $1,683
ROYAL UNITED MORTGAGE LLC 2 3.69% $5,513
Wyndham Capital Mortgage, Inc. 2 3.12% $843
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.19% $3,383
Goldwater Bank, N.A. 2 3.19% $3,427
AmeriHome Mortgage Company, LLC 2 3.56% $2,956
Guardian Savings Bank, A Federal Savings Bank 2 2.94% $631
Hometown Lenders, Inc. 2 3.18% $4,645
PHH Mortgage Corporation 2 3.75% $4,462
KELLER MORTGAGE, LLC 2 2.94% $1,747
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.37% $2,646
LAKEVIEW LOAN SERVICING, LLC 2 3.19% $4,326
PENTAGON FEDERAL CREDIT UNION 2 2.75% $2,326
Ally Bank 2 2.94% $3,256
Manufacturers and Traders Trust Company 2 3.19% $2,613
North American Savings Bank, F.S.B. 2 3.06% $1,591
Community Trust Bank, Inc. 2 3.56% $1,479
ZILLOW HOME LOANS, LLC 1 2.88% $1,010
21ST MORTGAGE CORPORATION 1 5.80% $4,304
AgFirst Farm Credit Bank 1 2.88% $3,386
Ameris Bank 1 3.13% $6,891
Armed Forces Bank 1 2.50% $1,396
Bank of England 1 4.00% $4,560
BAYSHORE MORTGAGE FUNDING, LLC 1 3.38% $3,194
BEST CAPITAL FUNDING 1 2.88% $2,743
BNC National Bank 1 3.63% $7,121
CELEBRITY HOME LOANS, LLC 1 3.50% $3,577
Centra Credit Union 1 3.13% $2,322
Central Bank & Trust Company 1 2.88% $2,659
CMG MORTGAGE, INC. 1 3.38% $2,948
Discover Bank 1 3.99% $0
DRAPER AND KRAMER MORTGAGE CORP. 1 3.25% $9,612
FAIR WAY LENDING LLC 1 3.13% $4,919
FBC MORTGAGE, LLC 1 2.99% $7,014
FINANCE OF AMERICA MORTGAGE LLC 1 3.25% $1,352
First Internet Bank of Indiana 1 3.38% $2,165
First Midwest Bank 1 2.88% $4,035
F&M Bank 1 3.13% $3,795
Forcht Bank 1 3.00% $2,320
Gateway First Bank 1 3.00% $3,686
German American Bank 1 2.75% $3,304
GUARANTEED RATE, INC. 1 3.25% $3,524
GUARANTY HOME MORTGAGE CORPORATION 1 3.50% $2,962
GVC MORTGAGE, INC. 1 3.50% $3,608
HAMILTON HOME LOANS, INC. 1 2.99% $10,924
HOMESTEAD FUNDING CORP. 1 2.75% $3,953
INB 1 2.50% $2,629
Ixonia Bank 1 2.88% $3,692
KS StateBank 1 2.75% $3,018
LENDERFI, INC. 1 3.50% $1,572
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.88% $5,690
MYCUMORTGAGE, LLC 1 3.00% $2,804
Northpointe Bank 1 2.88% $3,286
Old National Bank 1 3.00% $2,157
PARK COMMUNITY CREDIT UNION, INC. 1 4.25% $2,388
PLANET HOME LENDING, LLC 1 4.50% $3,708
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.25% $3,775
Renasant Bank 1 2.75% $2,731
SOFI LENDING CORP. 1 3.00% $5,787
SUCCESS MORTGAGE PARTNERS, INC. 1 3.25% $3,681
SUN WEST MORTGAGE COMPANY, INC. 1 2.75% $1,662
T2 FINANCIAL LLC 1 2.88% $4,290
The Federal Savings Bank 1 2.75% $3,224
The Huntington National Bank 1 3.25% $3,199
Union Savings Bank 1 2.63% $750
United Community Bank 1 3.13% $2,188
UNITED MORTGAGE CORP. 1 2.75% $5,390
USAA Federal Savings Bank 1 2.75% $3,534
1ST SIGNATURE LENDING, LLC 1 2.75% $5,743

ELIZABETHTOWN-FORT KNOX, KY's 143 lenders originated 6,690 loans during 2021. The total origination value was $1,278,900,000, with an average loan value of $191,166.

The top ELIZABETHTOWN - FORT KNOX lender as defined by loan originations is Abound Federal Credit Union, with 200 loans originated. Their average total fees are $2,118, which is $460 lower than the next largest lender, SOUTH CENTRAL BANK, INC..

The lowest fee ELIZABETHTOWN - FORT KNOX lenders (with over 10 loans originated) are The Cecilian Bank ($1,928), Abound Federal Credit Union ($2,118), Mortgage Research Center, LLC ($2,156), L & N Federal Credit Union ($2,191) and Stock Yards Bank & Trust Company ($2,372).

The lowest rate ELIZABETHTOWN - FORT KNOX lenders (with over 10 loans originated) are SOUTH CENTRAL BANK, INC. (2.89%), Republic State Mortgage Co. (2.93%), Mortgage Research Center, LLC (2.94%), Truist Bank (2.94%) and LOANDEPOT.COM, LLC (3.03%).

ELIZABETHTOWN-FORT KNOX, 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
SOUTH CENTRAL BANK, INC. $89,655,000 $96,130,000 7.2% 7.5%
Abound Federal Credit Union $111,660,000 $89,350,000 -20.0% 7.0%
QUICKEN LOANS, LLC $67,355,000 $84,225,000 25.0% 6.6%
Mortgage Research Center, LLC $87,805,000 $83,575,000 -4.8% 6.5%
FREEDOM MORTGAGE CORPORATION $75,155,000 $77,220,000 2.7% 6.0%
UNITED WHOLESALE MORTGAGE, LLC $20,030,000 $61,330,000 206.2% 4.8%
Commonwealth Bank and Trust Company $94,895,000 $53,405,000 -43.7% 4.2%
West Point Bank $27,720,000 $38,110,000 37.5% 3.0%
The Cecilian Bank $41,670,000 $35,395,000 -15.1% 2.8%
AMERIFIRST FINANCIAL CORPORATION $44,570,000 $28,260,000 -36.6% 2.2%
Meade County Bank $23,480,000 $27,990,000 19.2% 2.2%
WesBanco Bank, Inc. $29,235,000 $25,100,000 -14.1% 2.0%
HOME POINT FINANCIAL CORPORATION $13,090,000 $23,855,000 82.2% 1.9%
Citizens Bank $20,730,000 $21,925,000 5.8% 1.7%
Prosperity Home Mortgage, LLC $22,285,000 $21,795,000 -2.2% 1.7%
NAVY FEDERAL CREDIT UNION $18,740,000 $21,010,000 12.1% 1.6%
Wilson & Muir Bank & Trust Company $25,600,000 $20,750,000 -18.9% 1.6%
PENNYMAC LOAN SERVICES, LLC $10,185,000 $19,225,000 88.8% 1.5%
Magnolia Bank $21,720,000 $18,765,000 -13.6% 1.5%
Wells Fargo Bank $8,545,000 $16,855,000 97.2% 1.3%
The Lincoln National Bank of Hodgenville $16,840,000 $15,320,000 -9.0% 1.2%
German American Bank $1,390,000 $14,620,000 951.8% 1.1%
JPMorgan Chase Bank $8,815,000 $14,575,000 65.3% 1.1%
AMERISAVE MORTGAGE CORPORATION $5,475,000 $14,170,000 158.8% 1.1%
USAA Federal Savings Bank $19,340,000 $14,155,000 -26.8% 1.1%
PLAZA HOME MORTGAGE, INC. $1,895,000 $11,345,000 498.7% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $12,345,000 $11,240,000 -9.0% 0.9%
NEW DAY FINANCIAL, LLC $12,820,000 $10,835,000 -15.5% 0.8%
STOCKTON MORTGAGE CORPORATION $8,370,000 $9,885,000 18.1% 0.8%
VILLAGE CAPITAL & INVESTMENT LLC $6,870,000 $9,755,000 42.0% 0.8%
LOANDEPOT.COM, LLC $5,240,000 $9,745,000 86.0% 0.8%
The Federal Savings Bank $11,290,000 $9,210,000 -18.4% 0.7%
Farm Credit Mid-America, ACA $11,375,000 $8,845,000 -22.2% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,415,000 $8,455,000 31.8% 0.7%
PNC Bank $9,185,000 $6,880,000 -25.1% 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $8,735,000 $6,190,000 -29.1% 0.5%
CALIBER HOME LOANS, INC. $4,625,000 $5,885,000 27.2% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $3,210,000 $5,815,000 81.2% 0.5%
LAKEVIEW LOAN SERVICING, LLC $8,280,000 $5,625,000 -32.1% 0.4%
L & N Federal Credit Union $3,275,000 $5,435,000 66.0% 0.4%
Republic Bank & Trust Company $6,425,000 $5,350,000 -16.7% 0.4%
EVERETT FINANCIAL, INC. $22,095,000 $5,060,000 -77.1% 0.4%
Carrington Mortgage Services, LLC $5,355,000 $4,885,000 -8.8% 0.4%
Stock Yards Bank & Trust Company $1,980,000 $4,720,000 138.4% 0.4%
BROKER SOLUTIONS, INC. $1,845,000 $4,575,000 148.0% 0.4%
U.S. Bank $2,675,000 $4,315,000 61.3% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $4,775,000 $4,270,000 -10.6% 0.3%
EVANSVILLE TEACHERS $4,550,000 $4,045,000 -11.1% 0.3%
GUARANTEED RATE, INC. $3,730,000 $3,780,000 1.3% 0.3%
NEWREZ LLC $3,035,000 $3,750,000 23.6% 0.3%
THE MORTGAGE WAREHOUSE,LLC $1,270,000 $3,740,000 194.5% 0.3%
BETTER MORTGAGE CORPORATION $1,560,000 $3,660,000 134.6% 0.3%
Citizens Union Bank of Shelbyville $3,075,000 $3,590,000 16.7% 0.3%
RUOFF MORTGAGE COMPANY, INC. $1,475,000 $3,530,000 139.3% 0.3%
Truist Bank $5,370,000 $3,525,000 -34.4% 0.3%
Republic State Mortgage Co. $3,230,000 $3,485,000 7.9% 0.3%
BAY EQUITY LLC $5,120,000 $3,470,000 -32.2% 0.3%
Fifth Third Bank $3,125,000 $3,440,000 10.1% 0.3%
Paramount Residential Mortgage Group, Inc. $3,675,000 $3,420,000 -6.9% 0.3%
THRIVE MORTGAGE, LLC $225,000 $3,405,000 1,413.3% 0.3%
CLEARPATH LENDING $2,040,000 $3,320,000 62.7% 0.3%
Flagstar Bank, FSB $880,000 $3,320,000 277.3% 0.3%
PENTAGON FEDERAL CREDIT UNION $1,595,000 $3,100,000 94.4% 0.2%
Low VA Rates, LLC $2,115,000 $3,065,000 44.9% 0.2%
MOVEMENT MORTGAGE, LLC $2,465,000 $3,010,000 22.1% 0.2%
21ST MORTGAGE CORPORATION $1,105,000 $2,995,000 171.0% 0.2%
ENVOY MORTGAGE, LTD $2,660,000 $2,985,000 12.2% 0.2%
North American Savings Bank, F.S.B. $2,725,000 $2,975,000 9.2% 0.2%
Capital One $2,945,000 n/a 0.2%
INTERLINC MORTGAGE SERVICES, LLC $2,905,000 $2,935,000 1.0% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,345,000 $2,835,000 20.9% 0.2%
AMERICAN MORTGAGE SERVICE COMPANY $2,855,000 $2,740,000 -4.0% 0.2%
HOMESIDE FINANCIAL, LLC $1,115,000 $2,370,000 112.6% 0.2%
First Savings Bank $4,965,000 $2,230,000 -55.1% 0.2%
CMG MORTGAGE, INC. $2,220,000 $2,185,000 -1.6% 0.2%
UNION HOME MORTGAGE CORP. $4,260,000 $2,180,000 -48.8% 0.2%
Northpointe Bank $595,000 $2,175,000 265.5% 0.2%
InterContinental Capital Group, Inc $2,475,000 $2,085,000 -15.8% 0.2%
Bank of America $1,175,000 $2,005,000 70.6% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,750,000 $1,905,000 -49.2% 0.1%
First Guaranty Mortgage Corporation $520,000 $1,890,000 263.5% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,630,000 $1,855,000 13.8% 0.1%
The Monticello Banking Company $180,000 $1,830,000 916.7% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $675,000 $1,825,000 170.4% 0.1%
Nations Lending Corporation $1,685,000 $1,780,000 5.6% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $925,000 $1,755,000 89.7% 0.1%
Lakeview Community Capital, LLC $1,310,000 $1,755,000 34.0% 0.1%
Century Mortgage Company DBA Century Lending Company $1,675,000 n/a 0.1%
NP, Inc. $955,000 $1,600,000 67.5% 0.1%
COMMONWEALTH $1,290,000 $1,550,000 20.2% 0.1%
Barrington Bank & Trust Company, N.A. $3,495,000 $1,395,000 -60.1% 0.1%
RELIANCE FIRST CAPITAL, LLC $760,000 $1,370,000 80.3% 0.1%
Third Federal Savings and Loan Association of Cleveland $105,000 $1,310,000 1,147.6% 0.1%
1ST SIGNATURE LENDING, LLC $440,000 $1,300,000 195.5% 0.1%
BNC National Bank $560,000 $1,285,000 129.5% 0.1%
PLANET HOME LENDING, LLC $3,730,000 $1,255,000 -66.4% 0.1%
SOUTHWEST STAGE FUNDING, LLC $1,910,000 $1,205,000 -36.9% 0.1%
Community Trust Bank, Inc. $805,000 $1,170,000 45.3% 0.1%
Wyndham Capital Mortgage, Inc. $620,000 $1,160,000 87.1% 0.1%
The Huntington National Bank $880,000 $1,130,000 28.4% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $310,000 $1,115,000 259.7% 0.1%
Hometown Lenders, Inc. $1,365,000 $1,065,000 -22.0% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,380,000 $1,060,000 -23.2% 0.1%
First Federal Bank $2,630,000 $990,000 -62.4% 0.1%
SOUTHWEST FUNDING, LP $320,000 $990,000 209.4% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,010,000 $960,000 -5.0% 0.1%
Manufacturers and Traders Trust Company $945,000 n/a 0.1%
Waterstone Mortgage Corporation $940,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $520,000 $935,000 79.8% 0.1%
ZILLOW HOME LOANS, LLC $930,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,185,000 $890,000 -24.9% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $545,000 $870,000 59.6% 0.1%
NBKC BANK $1,625,000 $860,000 -47.1% 0.1%
Hancock Bank & Trust Company $2,705,000 $855,000 -68.4% 0.1%
HAMILTON HOME LOANS, INC. $840,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $1,195,000 $825,000 -31.0% 0.1%
First Harrison Bank $410,000 $805,000 96.3% 0.1%
MYCUMORTGAGE, LLC $1,725,000 $800,000 -53.6% 0.1%
AmeriHome Mortgage Company, LLC $650,000 $770,000 18.5% 0.1%
TRANSCEND $750,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,655,000 $715,000 -56.8% 0.1%
SOFI LENDING CORP. $235,000 $685,000 191.5% 0.1%
OCEANSIDE MORTGAGE COMPANY $825,000 $670,000 -18.8% 0.1%
River City Bank, Inc. $660,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $885,000 $655,000 -26.0% 0.1%
Old National Bank $1,500,000 $650,000 -56.7% 0.1%
Paramount Bank $590,000 n/a 0.0%
PHH Mortgage Corporation $415,000 $590,000 42.2% 0.0%
First Midwest Bank $585,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $1,300,000 $570,000 -56.2% 0.0%
Armed Forces Bank $330,000 $565,000 71.2% 0.0%
Goldwater Bank, N.A. $245,000 $555,000 126.5% 0.0%
Ameris Bank $545,000 n/a 0.0%
STEARNS LENDING, LLC $1,310,000 $535,000 -59.2% 0.0%
Limestone Bank, Inc. $45,000 $530,000 1,077.8% 0.0%
NATIONS RELIABLE LENDING, LLC $530,000 n/a 0.0%
AgFirst Farm Credit Bank $525,000 $525,000 0.0% 0.0%
KS StateBank $420,000 $510,000 21.4% 0.0%
FAIR WAY LENDING LLC $435,000 $505,000 16.1% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $495,000 n/a 0.0%
AMERICAN FINANCIAL NETWORK, INC. $2,185,000 $480,000 -78.0% 0.0%
EMM LOANS LLC $530,000 $480,000 -9.4% 0.0%
KELLER MORTGAGE, LLC $360,000 $470,000 30.6% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $1,335,000 $465,000 -65.2% 0.0%
Edmonton State Bank $305,000 $460,000 50.8% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $1,375,000 $440,000 -68.0% 0.0%
Ally Bank $540,000 $430,000 -20.4% 0.0%
BEST CAPITAL FUNDING $430,000 n/a 0.0%
GVC MORTGAGE, INC. $420,000 n/a 0.0%
FBC MORTGAGE, LLC $430,000 $395,000 -8.1% 0.0%
PARK COMMUNITY CREDIT UNION, INC. $1,235,000 $380,000 -69.2% 0.0%
UNITED MORTGAGE CORP. $280,000 $380,000 35.7% 0.0%
COMMUNITYAMERICA $355,000 $355,000 0.0% 0.0%
First United Bank and Trust Company $355,000 n/a 0.0%
INLAND BANK & TRUST $355,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $485,000 $350,000 -27.8% 0.0%
Guardian Savings Bank, A Federal Savings Bank $350,000 n/a 0.0%
ROSS MORTGAGE CORPORATION $350,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $340,000 n/a 0.0%
First Financial Bank $410,000 $335,000 -18.3% 0.0%
HOMESTEAD FUNDING CORP. $335,000 n/a 0.0%
Stifel Bank and Trust $335,000 $335,000 0.0% 0.0%
CELEBRITY HOME LOANS, LLC $145,000 $330,000 127.6% 0.0%
F&M Bank $325,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $325,000 n/a 0.0%
Peoples Bank $325,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $285,000 $320,000 12.3% 0.0%
GENEVA FINANCIAL, LLC $315,000 n/a 0.0%
Montgomery Bank $315,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $1,085,000 $310,000 -71.4% 0.0%
AMERICAN ADVISORS GROUP $165,000 $305,000 84.8% 0.0%
Central Bank & Trust Company $305,000 n/a 0.0%
Bank of England $1,725,000 $300,000 -82.6% 0.0%
NATIONS DIRECT MORTGAGE, LLC $400,000 $295,000 -26.3% 0.0%
Discover Bank $185,000 $290,000 56.8% 0.0%
First Southern National Bank $235,000 $290,000 23.4% 0.0%
Academy Bank $275,000 n/a 0.0%
EQUITY RESOURCES, INC. $275,000 n/a 0.0%
Gateway First Bank $205,000 $275,000 34.1% 0.0%
INB $225,000 $275,000 22.2% 0.0%
JAMES B. NUTTER & COMPANY $500,000 $275,000 -45.0% 0.0%
LEADERONE FINANCIAL CORPORATION $440,000 $275,000 -37.5% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $275,000 n/a 0.0%
The Union Bank Company $275,000 n/a 0.0%
T2 FINANCIAL LLC $270,000 n/a 0.0%
Equity Prime Mortgage LLC $265,000 n/a 0.0%
First Option Mortgage, LLC $145,000 $265,000 82.8% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $265,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $880,000 $265,000 -69.9% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $255,000 n/a 0.0%
Farmers Bank & Trust $255,000 n/a 0.0%
First Federal Bank of the Midwest $600,000 $255,000 -57.5% 0.0%
FLAT BRANCH MORTGAGE, INC. $255,000 n/a 0.0%
The Park National Bank $240,000 n/a 0.0%
TCF National Bank $225,000 $235,000 4.4% 0.0%
The Paducah Bank and Trust Company $235,000 n/a 0.0%
ARC HOME LLC $195,000 $215,000 10.3% 0.0%
UNIVERSITY OF KENTUCKY $345,000 $215,000 -37.7% 0.0%
VICTORY MORTGAGE, L.L.C. $215,000 n/a 0.0%
Tyndall Federal Credit Union $205,000 n/a 0.0%
Citibank $195,000 n/a 0.0%
Renasant Bank $195,000 n/a 0.0%
Servion, Inc. $125,000 $195,000 56.0% 0.0%
LENDINGHOME FUNDING CORPORATION $190,000 n/a 0.0%
LENDERFI, INC. $450,000 $185,000 -58.9% 0.0%
Assurance Financial Group, L.L.C. $175,000 n/a 0.0%
CLASS ACT FEDERAL CREDIT UNION $400,000 $175,000 -56.3% 0.0%
Ixonia Bank $175,000 n/a 0.0%
Austin Capital Bank SSB $165,000 n/a 0.0%
Independent Bank $165,000 n/a 0.0%
Union Savings Bank $165,000 n/a 0.0%
LENDUS, LLC $155,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $155,000 n/a 0.0%
Forcht Bank $415,000 $145,000 -65.1% 0.0%
RAILWAY CREDIT UNION $145,000 n/a 0.0%
First Western Trust Bank $135,000 n/a 0.0%
Centra Credit Union $125,000 n/a 0.0%
Colten Mortgage, LLC $410,000 $125,000 -69.5% 0.0%
First Internet Bank of Indiana $125,000 n/a 0.0%
GoPrime Mortgage, Inc. $125,000 n/a 0.0%
Independence Bank of Kentucky $345,000 $125,000 -63.8% 0.0%
ALTRA $235,000 $120,000 -48.9% 0.0%
CapStar Bank $185,000 $115,000 -37.8% 0.0%
SPRING EQ, LLC $60,000 $115,000 91.7% 0.0%
United Community Bank $115,000 n/a 0.0%
POLARIS HOME FUNDING CORP. $85,000 $95,000 11.8% 0.0%
TIAA, FSB $95,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $75,000 n/a 0.0%
Memphis City Employees Credit Union $60,000 n/a 0.0%
PROPONENT Federal Credit Union $35,000 n/a 0.0%

ELIZABETHTOWN - FORT KNOX's top lender by overall market share is SOUTH CENTRAL BANK, INC., with 7.5% market share. In second place, with 7.0%, is Abound Federal Credit Union, having originated $89,350,000 in loans. In third place, with 6.6%, is QUICKEN LOANS, LLC, having originated $84,225,000 in loans. In third place, with 6.5%, is Mortgage Research Center, LLC, having originated $83,575,000 in loans. In third place, with 6.0%, is FREEDOM MORTGAGE CORPORATION, having originated $77,220,000 in loans.


ELIZABETHTOWN-FORT KNOX, KY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,718 $599,710,000 $220,644
Refi 2,465 $446,785,000 $181,252
Cash Out Refi 1,079 $195,605,000 $181,284
Home Improvement 255 $18,465,000 $72,412
Other 173 $18,335,000 $105,983

Elizabethtown - Fort Knox's most frequently cited loan purpose was Home Purchase, with 2,718 originations. The 2nd most popular reason was Refi, with 2,465 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 2,311 $472,435,000 $204,429
3-4% 1,767 $340,575,000 $192,742
<2.5% 1,589 $319,575,000 $201,117
4-5% 188 $23,560,000 $125,319
5-6% 106 $6,930,000 $65,377
6-7% 22 $3,830,000 $174,091
7-8% 20 $1,710,000 $85,500
Over 8% 18 $1,910,000 $106,111

During 2021, Elizabethtown - Fort Knox's most frequently originated rate bucket was 2.5-3%, with 2,311 originations.

Loan Sizing (ELIZABETHTOWN-FORT KNOX, KY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,964 $440,310,000 $148,553
$200k-400k 2,251 $603,865,000 $268,265
$100,000 or less 1,223 $78,215,000 $63,953
$400k-600k 212 $98,820,000 $466,132
$600k-1000k 24 $17,890,000 $745,417
$Over $1MM 16 $39,800,000 $2,487,500

ELIZABETHTOWN - FORT KNOX's loan sizing saw the bucket of loans from $100k-200k with 2,964 originations, totaling $440,310,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,465 $550,555,000 $223,349
60-80% 1,534 $309,340,000 $201,656
40-60% 626 $85,420,000 $136,454
20-40% 378 $34,340,000 $90,847
Over 100% 235 $68,115,000 $289,851
Under 20% 228 $16,210,000 $71,096

ELIZABETHTOWN - FORT KNOX's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,465 originations, totaling $550,555,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - ELIZABETHTOWN - FORT KNOX (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 $169,400 (5.9%) $194,761 (3.2%) 0.62 664
2018-02-01 $171,200 (7.4%) $200,389 (5.3%) 0.62 621
2018-03-01 $179,000 (8.6%) $212,037 (8.8%) 0.62 595
2018-04-01 $188,500 (11.0%) $216,529 (10.3%) 0.63 605
2018-05-01 $192,000 (13.0%) $218,381 (7.8%) 0.64 600
2018-06-01 $194,900 (14.7%) $221,027 (7.1%) 0.65 656
2018-07-01 $199,900 (17.7%) $223,703 (8.0%) 0.67 689
2018-08-01 $202,200 (14.9%) $220,689 (8.4%) 0.68 706
2018-09-01 $195,000 (9.9%) $215,818 (8.6%) 0.65 744
2018-10-01 $199,200 (13.5%) $214,287 (8.0%) 0.67 704
2018-11-01 $202,250 (19.0%) $216,932 (10.5%) 0.68 702
2018-12-01 $199,900 (17.7%) $218,511 (12.4%) 0.68 676
2019-01-01 $199,950 (18.0%) $215,250 (10.5%) 0.69 619
2019-02-01 $196,200 (14.6%) $213,987 (6.8%) 0.66 615
2019-03-01 $203,800 (13.9%) $216,311 (2.0%) 0.66 566
2019-04-01 $206,350 (9.5%) $218,172 (0.8%) 0.65 538
2019-05-01 $211,400 (10.1%) $225,069 (3.1%) 0.65 540
2019-06-01 $210,000 (7.8%) $224,407 (1.5%) 0.65 598
2019-07-01 $208,000 (4.1%) $226,895 (1.4%) 0.65 598
2019-08-01 $209,243 (3.5%) $229,482 (4.0%) 0.66 619
2019-09-01 $214,900 (10.2%) $232,491 (7.7%) 0.68 636
2019-10-01 $217,450 (9.2%) $237,449 (10.8%) 0.69 663
2019-11-01 $219,900 (8.7%) $240,346 (10.8%) 0.71 651
2019-12-01 $222,450 (11.3%) $243,178 (11.3%) 0.74 578
2020-01-01 $219,900 (10.0%) $241,018 (12.0%) 0.73 518
2020-02-01 $220,000 (12.1%) $236,719 (10.6%) 0.71 486
2020-03-01 $215,450 (5.7%) $233,804 (8.1%) 0.67 404
2020-04-01 $224,950 (9.0%) $239,207 (9.6%) 0.70 388
2020-05-01 $232,900 (10.2%) $247,561 (10.0%) 0.71 308
2020-06-01 $224,900 (7.1%) $257,114 (14.6%) 0.66 227
2020-07-01 $245,000 (17.8%) $283,904 (25.1%) 0.70 214
2020-08-01 $249,000 (19.0%) $281,345 (22.6%) 0.71 212
2020-09-01 $246,450 (14.7%) $281,983 (21.3%) 0.70 228
2020-10-01 $232,000 (6.7%) $274,284 (15.5%) 0.66 202
2020-11-01 $215,000 (-2.2%) $264,987 (10.3%) 0.62 211
2020-12-01 $217,500 (-2.2%) $270,008 (11.0%) 0.64 231
2021-01-01 $209,900 (-4.6%) $271,821 (12.8%) 0.62 202
2021-02-01 $232,900 (5.9%) $287,296 (21.4%) 0.67 165
2021-03-01 $254,900 (18.3%) $293,364 (25.5%) 0.71 158
2021-04-01 $269,750 (19.9%) $307,742 (28.7%) 0.72 159
2021-05-01 $249,900 (7.3%) $301,072 (21.6%) 0.66 154
2021-06-01 $284,950 (26.7%) $338,651 (31.7%) 0.74 177
2021-07-01 $287,450 (17.3%) $324,975 (14.5%) 0.75 216
2021-08-01 $277,450 (11.4%) $313,730 (11.5%) 0.73 253
2021-09-01 $275,000 (11.6%) $304,728 (8.1%) 0.72 274
2021-10-01 $269,000 (16.0%) $311,194 (13.5%) 0.71 285
2021-11-01 $269,900 (25.5%) $307,167 (15.9%) 0.71 358
2021-12-01 $254,500 (17.0%) $298,171 (10.4%) 0.68 245
2022-01-01 $250,000 (19.1%) $308,142 (13.4%) 0.67 183
2022-02-01 $269,900 (15.9%) $313,766 (9.2%) 0.69 167
2022-03-01 $264,950 (3.9%) $320,778 (9.3%) 0.65 153
2022-04-01 $265,900 (-1.4%) $293,125 (-4.8%) 0.63 144
2022-05-01 $289,000 (15.7%) $315,800 (4.9%) 0.65 159
ELIZABETHTOWN - FORT KNOX's median listing price for 2022-05-01 was $289,000, a difference of $39,100 (15.7%) versus the prior year and $23,100 versus the prior month.

ELIZABETHTOWN - FORT KNOX's median listing price comes in at 65% of the national average.

ELIZABETHTOWN - FORT KNOX's average listing price for 2022-05-01 was $315,800, a difference of $14,728 (4.9%) versus the prior year and $22,675 versus the prior month.

For the 2022-05-01 period, ELIZABETHTOWN - FORT KNOX had 159 MLS listings, a difference of 15 listings (10%) versus the prior month and 5 listings (3%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - ELIZABETHTOWN - FORT KNOX (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 83 days 1,800 sqft
2018-02-01 77 days 1,854 sqft
2018-03-01 53 days 1,860 sqft
2018-04-01 57 days 1,963 sqft
2018-05-01 59 days 1,997 sqft
2018-06-01 50 days 2,035 sqft
2018-07-01 49 days 2,043 sqft
2018-08-01 53 days 2,040 sqft
2018-09-01 54 days 1,992 sqft
2018-10-01 64 days 2,015 sqft
2018-11-01 69 days 2,035 sqft
2018-12-01 82 days 2,010 sqft
2019-01-01 82 days 2,023 sqft
2019-02-01 73 days 2,010 sqft
2019-03-01 59 days 2,007 sqft
2019-04-01 52 days 2,007 sqft
2019-05-01 50 days 1,997 sqft
2019-06-01 50 days 1,993 sqft
2019-07-01 52 days 1,980 sqft
2019-08-01 56 days 2,020 sqft
2019-09-01 53 days 2,108 sqft
2019-10-01 58 days 2,155 sqft
2019-11-01 59 days 2,186 sqft
2019-12-01 69 days 2,205 sqft
2020-01-01 81 days 2,181 sqft
2020-02-01 72 days 2,200 sqft
2020-03-01 56 days 1,978 sqft
2020-04-01 53 days 2,004 sqft
2020-05-01 58 days 2,012 sqft
2020-06-01 53 days 2,185 sqft
2020-07-01 40 days 2,299 sqft
2020-08-01 39 days 2,256 sqft
2020-09-01 42 days 2,092 sqft
2020-10-01 39 days 2,016 sqft
2020-11-01 35 days 1,894 sqft
2020-12-01 42 days 1,916 sqft
2021-01-01 58 days 1,944 sqft
2021-02-01 52 days 2,012 sqft
2021-03-01 31 days 1,932 sqft
2021-04-01 31 days 2,016 sqft
2021-05-01 37 days 2,016 sqft
2021-06-01 28 days 2,029 sqft
2021-07-01 26 days 2,015 sqft
2021-08-01 33 days 2,060 sqft
2021-09-01 35 days 2,053 sqft
2021-10-01 17 days 2,018 sqft
2021-11-01 20 days 1,911 sqft
2021-12-01 23 days 1,834 sqft
2022-01-01 31 days 1,828 sqft
2022-02-01 28 days 1,844 sqft
2022-03-01 28 days 1,904 sqft
2022-04-01 28 days 1,847 sqft
2022-05-01 24 days 1,962 sqft
ELIZABETHTOWN - FORT KNOX's median listing age (time on market) for 2022-05-01 was 24 days. This is -36% shorter than the same period one year ago.

ELIZABETHTOWN - FORT KNOX's median square footage for active listings during the 2022-05-01 period was 1,962 sqft. One year prior, the average listing was 2,016 sqft.