London 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 London averaged 7.21% for the week of 2026-11-05, compared to the national average of 7.18% for the same period.

    The average rate for the prior week (2026-10-29) was 7.67% and one month ago for the week of 2026-10-01, the average rate was 7.71%.

    London's average rate one year ago was 6.2%.

    For refis of the same type during the week of 2026-11-05, the average rate was 7.78%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2026-11-05 7.18%
    London 30 Year Fixed Rate 2026-11-05 7.21%
    London 30 Year Fixed Rate Refi 2026-11-05 7.78%
    London 15 Year Fixed Rate 2026-11-05 6.37%
    London 15 Year Fixed Rate Refi 2026-11-05 7.07%
    London 30 Year FHA 2026-11-05 7.19%
    London 30 Year FHA Refi 2026-11-05 6.93%
    London 30 Year USDA 2026-11-05 7.14%
    London 30 Year USDA Refi 2026-11-05 7.2%
    London 30 Year VA 2026-11-05 7.23%
    London 30 Year VA Refi 2026-11-05 6.56%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within London, KY.

    London 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 London, 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 2025 Avg. 30yFix Rate 2025 Avg. Closing Costs
    L & N Federal Credit Union 103 6.79% $2,300
    Community Trust Bank, Inc. 46 6.12% $2,761
    QUICKEN LOANS, LLC 36 6.74% $5,040
    POLARIS HOME FUNDING CORP. 14 6.92% $6,422
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 10 6.79% $2,650
    UNION HOME MORTGAGE CORP. 9 7.16% $3,943
    Magnolia Bank 9 6.80% $4,284
    VANDERBILT MORTGAGE AND FINANCE, INC. 9 8.50% $6,839
    PNC Bank 8 6.53% $5,143
    Forcht Bank 8 6.72% $2,419
    Commercial Bank 8 6.43% $2,592
    Mortgage Research Center, LLC 6 7.12% $3,006
    UNITED WHOLESALE MORTGAGE, LLC 6 7.12% $7,950
    21ST MORTGAGE CORPORATION 5 8.75% $6,522
    T2 FINANCIAL LLC 4 7.00% $6,897
    JPMorgan Chase Bank 4 6.59% $2,409
    U.S. Bank 4 6.71% $3,886
    Whitaker Bank 4 6.34% $2,236
    Farm Credit Mid-America, ACA 4 7.16% $6,741
    Fifth Third Bank 4 6.72% $7,077
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.79% $4,685
    NAVY FEDERAL CREDIT UNION 3 7.08% $4,444
    LOANDEPOT.COM, LLC 3 7.00% $5,506
    Renasant Bank 3 6.88% $3,641
    TOP FLITE FINANCIAL, INC. 3 6.83% $4,291
    ROYAL UNITED MORTGAGE LLC 3 7.00% $6,351
    PENNYMAC LOAN SERVICES, LLC 3 6.50% $7,312
    Mr. Cooper ( Nationstar Mortgage ) 3 6.71% $7,167
    STOCKTON MORTGAGE CORPORATION 3 7.21% $5,476
    ZILLOW HOME LOANS, LLC 2 6.75% $5,533
    NEWREZ LLC 2 6.87% $4,508
    Republic State Mortgage Co. 2 6.19% $7,482
    RUOFF MORTGAGE COMPANY, INC. 2 7.06% $4,024
    BROKER SOLUTIONS, INC. 2 8.00% $7,022
    PIKE CREEK MORTGAGE SERVICES, INC. 2 6.63% $4,062
    Ixonia Bank 2 7.12% $6,404
    The Huntington National Bank 2 6.69% $3,476
    Truist 2 6.62% $3,815
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.31% $7,054
    GENEVA FINANCIAL, LLC 2 6.50% $7,015
    CITIZENS EQUITY FIRST 2 6.69% $2,853
    COMMONWEALTH 2 5.88% $3,451
    Y-12 Federal Credit Union 2 7.00% $3,125
    Paramount Residential Mortgage Group, Inc. 1 6.13% $4,113
    ALLIANT CREDIT UNION 1 6.13% $4,318
    American Airlines Federal Credit Union 1 6.13% $5,500
    AMERICAN FINANCING CORPORATION 1 5.99% $10,139
    AMERISAVE MORTGAGE CORPORATION 1 6.63% $7,327
    CHURCHILL MORTGAGE CORPORATION 1 7.38% $5,131
    Citadel Servicing Corporation 1 9.13% $17,023
    CMG MORTGAGE, INC. 1 5.99% $6,086
    CROSSCOUNTRY MORTGAGE, LLC 1 7.38% $4,709
    DAS Acquisition Company, LLC 1 6.75% $6,278
    EMM LOANS LLC 1 6.50% $8,509
    ENVOY MORTGAGE, LTD 1 7.13% $6,381
    EVANSVILLE TEACHERS 1 6.75% $2,979
    EVERETT FINANCIAL, INC. 1 7.00% $5,476
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $4,495
    FirstBank 1 7.84% $3,911
    First Financial Bank 1 6.75% $4,112
    GENERAL ELECTRIC CREDIT UNION 1 5.74% $2,331
    GUARANTEED RATE, INC. 1 6.75% $4,274
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.38% $6,139
    HOMESIDE FINANCIAL, LLC 1 6.13% $2,843
    Leader Bank 1 6.88% $4,542
    MID AMERICA MORTGAGE, INC. 1 6.63% $2,921
    M&T Bank 1 7.75% $5,764
    Nations Lending Corporation 1 8.13% $4,651
    NBKC BANK 1 6.50% $4,442
    NP, Inc. 1 7.12% $11,119
    PREMIA MORTGAGE, LLC 1 6.48% $4,617
    Regions Bank 1 6.38% $5,888
    Republic Bank & Trust Company 1 6.50% $3,572
    Simmons Bank 1 6.13% $4,935
    SWBC MORTGAGE CORPORATION 1 8.00% $3,116
    The Dart Bank 1 6.63% $3,157
    Union Savings Bank 1 6.25% $2,497
    Wells Fargo Bank 1 6.63% $6,917
    WesBanco 1 6.75% $3,731

    London Average Closing Costs & Other Stats

    London, KY's 79 lenders originated 2,040 loans during 2025. The total origination value was $343,630,000, with an average loan value of $168,446.

    London's average closing costs are $4,644.

    The top London lender as defined by loan originations is L & N Federal Credit Union, with 103 loans originated. Their average total fees are $2,300, which is $461 lower than the next largest lender, Community Trust Bank, Inc..

    The lowest fee London lenders (with over 10 loans originated) are L & N Federal Credit Union ($2,300), ARK-LA-TEX FINANCIAL SERVICES, LLC. ($2,650), Community Trust Bank, Inc. ($2,761), QUICKEN LOANS, LLC ($5,040) and POLARIS HOME FUNDING CORP. ($6,422).

    The lowest rate London lenders (with over 10 loans originated) are Community Trust Bank, Inc. (6.12%), QUICKEN LOANS, LLC (6.74%), L & N Federal Credit Union (6.79%), ARK-LA-TEX FINANCIAL SERVICES, LLC. (6.79%) and POLARIS HOME FUNDING CORP. (6.92%).

    London, 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 2024 Loan Value 2025 Loan Value % Change 2025 Market Share
    Community Trust Bank, Inc. $34,260,000 $45,180,000 31.9% 13.1%
    L & N Federal Credit Union $26,275,000 $35,025,000 33.3% 10.2%
    QUICKEN LOANS, LLC $26,785,000 $21,875,000 -18.3% 6.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $15,895,000 $16,645,000 4.7% 4.8%
    POLARIS HOME FUNDING CORP. $14,315,000 $15,385,000 7.5% 4.5%
    UNITED WHOLESALE MORTGAGE, LLC $10,950,000 $13,570,000 23.9% 3.9%
    PIKE CREEK MORTGAGE SERVICES, INC. $11,145,000 n/a 3.2%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $10,825,000 $11,110,000 2.6% 3.2%
    Mortgage Research Center, LLC $12,780,000 $10,715,000 -16.2% 3.1%
    Cumberland Valley National Bank & Trust Company $6,070,000 $8,535,000 40.6% 2.5%
    Magnolia Bank $445,000 $7,655,000 1,620.2% 2.2%
    PNC Bank $7,465,000 $7,090,000 -5.0% 2.1%
    FREEDOM MORTGAGE CORPORATION $3,850,000 $6,245,000 62.2% 1.8%
    21ST MORTGAGE CORPORATION $5,110,000 $5,650,000 10.6% 1.6%
    Commercial Bank $6,550,000 $5,395,000 -17.6% 1.6%
    Equity Prime Mortgage LLC $6,545,000 $4,715,000 -28.0% 1.4%
    PENNYMAC LOAN SERVICES, LLC $4,145,000 $4,695,000 13.3% 1.4%
    Forcht Bank $5,005,000 $4,555,000 -9.0% 1.3%
    The Monticello Banking Company $3,970,000 $4,405,000 11.0% 1.3%
    BROKER SOLUTIONS, INC. $1,415,000 $4,315,000 204.9% 1.3%
    Farm Credit Mid-America, ACA $1,775,000 $4,120,000 132.1% 1.2%
    Y-12 Federal Credit Union $3,610,000 n/a 1.1%
    LOANDEPOT.COM, LLC $2,450,000 $3,430,000 40.0% 1.0%
    EVERETT FINANCIAL, INC. $1,680,000 $3,205,000 90.8% 0.9%
    Fifth Third Bank $740,000 $3,015,000 307.4% 0.9%
    T2 FINANCIAL LLC $730,000 $2,825,000 287.0% 0.8%
    AMERICAN FINANCIAL RESOURCES, INC. $55,000 $2,370,000 4,209.1% 0.7%
    UNION HOME MORTGAGE CORP. $420,000 $2,195,000 422.6% 0.6%
    PLANET HOME LENDING, LLC $895,000 $2,115,000 136.3% 0.6%
    First State Bank of the Southeast, Inc. $8,825,000 $2,110,000 -76.1% 0.6%
    CROSSCOUNTRY MORTGAGE, LLC $1,175,000 $2,045,000 74.0% 0.6%
    U.S. Bank $1,050,000 $2,035,000 93.8% 0.6%
    GoPrime Mortgage, Inc. $1,045,000 $2,030,000 94.3% 0.6%
    Truist $2,005,000 $1,790,000 -10.7% 0.5%
    COMMONWEALTH $205,000 $1,760,000 758.5% 0.5%
    TOP FLITE FINANCIAL, INC. $1,675,000 $1,575,000 -6.0% 0.5%
    NEWREZ LLC $2,005,000 $1,570,000 -21.7% 0.5%
    Whitaker Bank $1,590,000 $1,555,000 -2.2% 0.5%
    Republic State Mortgage Co. $145,000 $1,425,000 882.8% 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $625,000 $1,400,000 124.0% 0.4%
    NAVY FEDERAL CREDIT UNION $3,075,000 $1,390,000 -54.8% 0.4%
    First Volunteer Bank $250,000 $1,295,000 418.0% 0.4%
    FirstBank $780,000 $1,290,000 65.4% 0.4%
    USAA Federal Savings Bank $1,365,000 $1,220,000 -10.6% 0.4%
    Century Mortgage Company DBA Century Lending Company $495,000 $1,205,000 143.4% 0.4%
    STOCKTON MORTGAGE CORPORATION $3,410,000 $1,125,000 -67.0% 0.3%
    Renasant Bank $765,000 $1,090,000 42.5% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $2,250,000 $1,070,000 -52.4% 0.3%
    HOMESIDE FINANCIAL, LLC $235,000 $1,000,000 325.5% 0.3%
    CARDINAL FINANCIAL $825,000 $995,000 20.6% 0.3%
    EMM LOANS LLC $980,000 n/a 0.3%
    VILLAGE CAPITAL MORTGAGE $745,000 $975,000 30.9% 0.3%
    CMG MORTGAGE, INC. $970,000 n/a 0.3%
    Plains Commerce Bank $1,510,000 $940,000 -37.7% 0.3%
    Paramount Residential Mortgage Group, Inc. $3,545,000 $890,000 -74.9% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $1,625,000 $885,000 -45.5% 0.3%
    Ixonia Bank $580,000 $875,000 50.9% 0.3%
    Nations Lending Corporation $285,000 $875,000 207.0% 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $1,335,000 $870,000 -34.8% 0.3%
    Figure Lending LLC $865,000 n/a 0.3%
    MID AMERICA MORTGAGE, INC. $730,000 $840,000 15.1% 0.2%
    Citadel Servicing Corporation $815,000 n/a 0.2%
    AMERISAVE MORTGAGE CORPORATION $1,565,000 $810,000 -48.2% 0.2%
    Wells Fargo Bank $1,110,000 $790,000 -28.8% 0.2%
    JPMorgan Chase Bank $745,000 $780,000 4.7% 0.2%
    Carrington Mortgage Services, LLC $695,000 $750,000 7.9% 0.2%
    ZILLOW HOME LOANS, LLC $560,000 $740,000 32.1% 0.2%
    CHURCHILL MORTGAGE CORPORATION $725,000 n/a 0.2%
    DAS Acquisition Company, LLC $725,000 n/a 0.2%
    CSL Financial, LLC $755,000 $695,000 -7.9% 0.2%
    AMERICAN FINANCING CORPORATION $165,000 $675,000 309.1% 0.2%
    Home Federal Bank Corporation $165,000 $675,000 309.1% 0.2%
    GENEVA FINANCIAL, LLC $1,385,000 $635,000 -54.2% 0.2%
    UBANK $310,000 $635,000 104.8% 0.2%
    The Huntington National Bank $955,000 $620,000 -35.1% 0.2%
    ENVOY MORTGAGE, LTD $570,000 n/a 0.2%
    PREMIA MORTGAGE, LLC $235,000 $570,000 142.6% 0.2%
    The Loan Store, Inc. $670,000 $550,000 -17.9% 0.2%
    MEMBERS CHOICE $545,000 n/a 0.2%
    NBKC BANK $535,000 n/a 0.2%
    UNIVERSITY OF KENTUCKY $310,000 $535,000 72.6% 0.2%
    GUARANTEED RATE, INC. $310,000 $520,000 67.7% 0.2%
    The Citizens National Bank of Somerset $115,000 $510,000 343.5% 0.1%
    M&T Bank $685,000 $475,000 -30.7% 0.1%
    EVANSVILLE TEACHERS $285,000 $465,000 63.2% 0.1%
    The Federal Savings Bank $460,000 n/a 0.1%
    American Airlines Federal Credit Union $455,000 n/a 0.1%
    AmeriHome Mortgage Company, LLC $195,000 $450,000 130.8% 0.1%
    ROYAL UNITED MORTGAGE LLC $480,000 $440,000 -8.3% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $450,000 $420,000 -6.7% 0.1%
    V.I.P. MORTGAGE, INC. $175,000 $410,000 134.3% 0.1%
    CITIZENS EQUITY FIRST $405,000 n/a 0.1%
    GENERAL ELECTRIC CREDIT UNION $405,000 n/a 0.1%
    Central Bank $780,000 $390,000 -50.0% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $380,000 n/a 0.1%
    S1L, Inc. $365,000 n/a 0.1%
    First Financial Bank $360,000 n/a 0.1%
    NP, Inc. $345,000 n/a 0.1%
    ALLIANT CREDIT UNION $335,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $330,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $75,000 $325,000 333.3% 0.1%
    NEW DAY FINANCIAL, LLC $645,000 $320,000 -50.4% 0.1%
    Leader Bank $85,000 $305,000 258.8% 0.1%
    PLAZA HOME MORTGAGE, INC. $290,000 n/a 0.1%
    Abound Federal Credit Union $285,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $165,000 $285,000 72.7% 0.1%
    RUOFF MORTGAGE COMPANY, INC. $555,000 $280,000 -49.5% 0.1%
    Simmons Bank $275,000 n/a 0.1%
    Republic Bank & Trust Company $150,000 $270,000 80.0% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $405,000 $255,000 -37.0% 0.1%
    Prosperity Home Mortgage, LLC $245,000 n/a 0.1%
    SPRING EQ, LLC $110,000 $245,000 122.7% 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $245,000 n/a 0.1%
    BAYSHORE MORTGAGE FUNDING, LLC $185,000 $215,000 16.2% 0.1%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $205,000 n/a 0.1%
    MEMBER FIRST MORTGAGE, LLC $205,000 n/a 0.1%
    HOMEXPRESS MORTGAGE CORP. $195,000 n/a 0.1%
    WesBanco $255,000 $195,000 -23.5% 0.1%
    NEXERA HOLDING LLC $185,000 n/a 0.1%
    Union Savings Bank $325,000 $185,000 -43.1% 0.1%
    Bank of America $105,000 $175,000 66.7% 0.1%
    Northpointe Bank $355,000 $175,000 -50.7% 0.1%
    TJC Mortgage, Inc. $175,000 n/a 0.1%
    AMERITRUST MORTGAGE CORPORATION $165,000 n/a 0.0%
    ROSS MORTGAGE CORPORATION $315,000 $155,000 -50.8% 0.0%
    Cornerstone First Mortgage, Inc $145,000 n/a 0.0%
    MOVEMENT MORTGAGE, LLC $175,000 $145,000 -17.1% 0.0%
    The Dart Bank $75,000 $135,000 80.0% 0.0%
    AMERICAN INTERNET MORTGAGE, INC. $125,000 n/a 0.0%
    Flagstar Bank, FSB $1,495,000 $125,000 -91.6% 0.0%
    Regions Bank $225,000 $125,000 -44.4% 0.0%
    SWBC MORTGAGE CORPORATION $290,000 $125,000 -56.9% 0.0%
    Citizens Bank $140,000 $120,000 -14.3% 0.0%
    Coastal Community Bank $540,000 $115,000 -78.7% 0.0%
    Grand Bank for Savings, FSB $95,000 n/a 0.0%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $115,000 $85,000 -26.1% 0.0%
    Third Federal Savings and Loan Association of Cleveland $95,000 $80,000 -15.8% 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $620,000 $55,000 -91.1% 0.0%
    Discover Bank $475,000 $55,000 -88.4% 0.0%
    USAlliance Federal Credit Union $55,000 n/a 0.0%
    Appalachian Community Federal Credit Union $45,000 n/a 0.0%
    CALCON MUTUAL MORTGAGE LLC $345,000 $45,000 -87.0% 0.0%
    Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

    London's top lender by overall market share is Community Trust Bank, Inc., with 13.1% market share. In second place, with 10.2%, is L & N Federal Credit Union, having originated $35,025,000 in loans. In third place, with 6.4%, is QUICKEN LOANS, LLC, having originated $21,875,000 in loans. In fourth place, with 4.8%, is VANDERBILT MORTGAGE AND FINANCE, INC., having originated $16,645,000 in loans. In fifth place, with 4.5%, is POLARIS HOME FUNDING CORP., having originated $15,385,000 in loans.

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

    Realtor.com - London (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 $148,950 (6.5%) $186,648 (-0.9%) 0.00 363
    2018-02-01 $146,475 (4.7%) $189,005 (0.1%) 0.00 358
    2018-03-01 $154,900 (8.6%) $195,891 (1.1%) 0.00 350
    2018-04-01 $159,000 (10.3%) $197,336 (-1.6%) 0.00 348
    2018-05-01 $159,250 (6.3%) $204,221 (1.4%) 0.00 359
    2018-06-01 $159,900 (6.6%) $206,199 (-1.3%) 0.00 377
    2018-07-01 $159,925 (4.5%) $206,451 (1.1%) 0.00 382
    2018-08-01 $162,450 (8.4%) $205,031 (4.2%) 0.00 373
    2018-09-01 $159,900 (6.7%) $200,526 (1.0%) 0.00 375
    2018-10-01 $159,900 (6.6%) $198,519 (1.7%) 0.00 382
    2018-11-01 $159,900 (6.6%) $194,745 (0.5%) 0.00 381
    2018-12-01 $159,900 (6.7%) $191,435 (-0.8%) 0.00 341
    2019-01-01 $161,975 (8.7%) $192,305 (3.0%) 0.00 314
    2019-02-01 $164,925 (12.6%) $195,312 (3.3%) 0.00 319
    2019-03-01 $168,214 (8.6%) $199,804 (2.0%) 0.00 312
    2019-04-01 $168,464 (6.0%) $201,271 (2.0%) 0.00 307
    2019-05-01 $169,950 (6.7%) $203,727 (-0.2%) 0.00 306
    2019-06-01 $169,900 (6.3%) $207,714 (0.7%) 0.00 327
    2019-07-01 $169,450 (6.0%) $203,017 (-1.7%) 0.00 344
    2019-08-01 $169,900 (4.6%) $202,133 (-1.4%) 0.00 336
    2019-09-01 $169,900 (6.3%) $199,216 (-0.7%) 0.00 339
    2019-10-01 $169,900 (6.3%) $198,019 (-0.3%) 0.00 339
    2019-11-01 $169,900 (6.3%) $201,897 (3.7%) 0.00 327
    2019-12-01 $169,900 (6.3%) $200,420 (4.7%) 0.00 312
    2020-01-01 $166,600 (2.9%) $200,222 (4.1%) 0.00 283
    2020-02-01 $169,000 (2.5%) $208,508 (6.8%) 0.00 261
    2020-03-01 $170,900 (1.6%) $211,566 (5.9%) 0.00 227
    2020-04-01 $172,400 (2.3%) $210,376 (4.5%) 0.00 217
    2020-05-01 $189,900 (11.7%) $225,155 (10.5%) 0.00 193
    2020-06-01 $199,450 (17.4%) $231,790 (11.6%) 0.00 182
    2020-07-01 $202,475 (19.5%) $237,344 (16.9%) 0.00 173
    2020-08-01 $200,000 (17.7%) $237,585 (17.5%) 0.00 175
    2020-09-01 $199,900 (17.7%) $238,228 (19.6%) 0.00 178
    2020-10-01 $189,900 (11.8%) $227,376 (14.8%) 0.00 171
    2020-11-01 $189,900 (11.8%) $225,011 (11.5%) 0.00 154
    2020-12-01 $186,825 (10.0%) $223,679 (11.6%) 0.00 143
    2021-01-01 $179,500 (7.7%) $219,988 (9.9%) 0.00 123
    2021-02-01 $181,825 (7.6%) $221,433 (6.2%) 0.00 102
    2021-03-01 $184,000 (7.7%) $221,169 (4.5%) 0.00 103
    2021-04-01 $187,325 (8.7%) $243,392 (15.7%) 0.00 92
    2021-05-01 $199,000 (4.8%) $245,392 (9.0%) 0.00 104
    2021-06-01 $209,900 (5.2%) $262,573 (13.3%) 0.00 130
    2021-07-01 $209,000 (3.2%) $264,802 (11.6%) 0.00 145
    2021-08-01 $214,950 (7.5%) $267,264 (12.5%) 0.00 161
    2021-09-01 $224,675 (12.4%) $273,409 (14.8%) 0.00 169
    2021-10-01 $229,450 (20.8%) $287,946 (26.6%) 0.00 164
    2021-11-01 $237,500 (25.1%) $298,392 (32.6%) 0.00 155
    2021-12-01 $227,000 (21.5%) $277,516 (24.1%) 0.00 137
    2022-01-01 $225,000 (25.4%) $269,191 (22.4%) 0.00 122
    2022-02-01 $217,000 (19.4%) $260,859 (17.8%) 0.00 115
    2022-03-01 $225,875 (22.8%) $257,331 (16.4%) 0.00 103
    2022-04-01 $234,900 (25.4%) $274,760 (12.9%) 0.00 127
    2022-05-01 $237,475 (19.3%) $289,352 (17.9%) 0.00 187
    2022-06-01 $249,450 (18.8%) $285,418 (8.7%) 0.00 205
    2022-07-01 $259,000 (23.9%) $284,865 (7.6%) 0.00 235
    2022-08-01 $249,950 (16.3%) $284,922 (6.6%) 0.00 250
    2022-09-01 $250,975 (11.7%) $288,277 (5.4%) 0.00 238
    2022-10-01 $249,450 (8.7%) $283,806 (-1.4%) 0.00 248
    2022-11-01 $249,900 (5.2%) $277,634 (-7.0%) 0.00 248
    2022-12-01 $239,900 (5.7%) $270,666 (-2.5%) 0.00 220
    2023-01-01 $245,000 (8.9%) $285,498 (6.1%) 0.00 203
    2023-02-01 $246,225 (13.5%) $295,729 (13.4%) 0.00 192
    2023-03-01 $242,450 (7.3%) $298,623 (16.1%) 0.00 195
    2023-04-01 $240,000 (2.2%) $302,997 (10.3%) 0.00 198
    2023-05-01 $238,225 (0.3%) $302,398 (4.5%) 0.00 204
    2023-06-01 $247,750 (-0.7%) $310,325 (8.7%) 0.00 205
    2023-07-01 $240,000 (-7.3%) $310,642 (9.1%) 0.00 213
    2023-08-01 $249,900 (0.0%) $318,542 (11.8%) 0.00 223
    2023-09-01 $239,900 (-4.4%) $302,072 (4.8%) 0.00 227
    2023-10-01 $243,650 (-2.3%) $299,898 (5.7%) 0.00 227
    2023-11-01 $249,925 (0.0%) $304,908 (9.8%) 0.00 229
    2023-12-01 $249,000 (3.8%) $307,459 (13.6%) 0.00 233
    2024-01-01 $239,900 (-2.1%) $288,359 (1.0%) 0.00 228
    2024-02-01 $246,750 (0.2%) $290,063 (-1.9%) 0.00 226
    2024-03-01 $244,900 (1.0%) $293,623 (-1.7%) 0.00 247
    2024-04-01 $239,950 (0.0%) $302,525 (-0.2%) 0.00 239
    2024-05-01 $244,925 (2.8%) $320,749 (6.1%) 0.00 224
    2024-06-01 $249,950 (0.9%) $312,156 (0.6%) 0.00 234
    2024-07-01 $253,725 (5.7%) $307,561 (-1.0%) 0.00 258
    2024-08-01 $250,000 (0.0%) $294,143 (-7.7%) 0.00 261
    2024-09-01 $250,000 (4.2%) $292,867 (-3.1%) 0.00 274
    2024-10-01 $251,000 (3.0%) $304,069 (1.4%) 0.00 277
    2024-11-01 $259,450 (3.8%) $302,136 (-0.9%) 0.00 293
    2024-12-01 $258,375 (3.8%) $305,541 (-0.6%) 0.00 287
    London's median listing price for 2024-12-01 was $258,375, a difference of $9,375 (3.8%) versus the prior year and $-1,075 versus the prior month.

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

    London's average listing price for 2024-12-01 was $305,541, a difference of $-1,918 (-0.6%) versus the prior year and $3,405 versus the prior month.

    For the 2024-12-01 period, London had 287 MLS listings, a difference of -6 listings (-2%) versus the prior month and 54 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - London (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,785 sqft
    2018-02-01 0 days 1,743 sqft
    2018-03-01 0 days 1,794 sqft
    2018-04-01 0 days 1,799 sqft
    2018-05-01 0 days 1,800 sqft
    2018-06-01 0 days 1,800 sqft
    2018-07-01 0 days 1,879 sqft
    2018-08-01 0 days 1,926 sqft
    2018-09-01 0 days 1,900 sqft
    2018-10-01 0 days 1,855 sqft
    2018-11-01 0 days 1,850 sqft
    2018-12-01 0 days 1,823 sqft
    2019-01-01 0 days 1,845 sqft
    2019-02-01 0 days 1,866 sqft
    2019-03-01 0 days 1,844 sqft
    2019-04-01 0 days 1,858 sqft
    2019-05-01 0 days 1,898 sqft
    2019-06-01 0 days 1,900 sqft
    2019-07-01 0 days 1,838 sqft
    2019-08-01 0 days 1,858 sqft
    2019-09-01 0 days 1,843 sqft
    2019-10-01 0 days 1,861 sqft
    2019-11-01 0 days 1,849 sqft
    2019-12-01 0 days 1,900 sqft
    2020-01-01 0 days 1,847 sqft
    2020-02-01 0 days 1,800 sqft
    2020-03-01 0 days 1,871 sqft
    2020-04-01 0 days 1,790 sqft
    2020-05-01 0 days 1,882 sqft
    2020-06-01 0 days 1,962 sqft
    2020-07-01 0 days 2,037 sqft
    2020-08-01 0 days 2,064 sqft
    2020-09-01 0 days 2,058 sqft
    2020-10-01 0 days 1,914 sqft
    2020-11-01 0 days 1,941 sqft
    2020-12-01 0 days 1,849 sqft
    2021-01-01 0 days 1,849 sqft
    2021-02-01 0 days 1,817 sqft
    2021-03-01 0 days 1,752 sqft
    2021-04-01 0 days 1,811 sqft
    2021-05-01 0 days 1,754 sqft
    2021-06-01 0 days 1,834 sqft
    2021-07-01 0 days 1,890 sqft
    2021-08-01 0 days 1,930 sqft
    2021-09-01 0 days 1,910 sqft
    2021-10-01 0 days 1,947 sqft
    2021-11-01 0 days 1,945 sqft
    2021-12-01 0 days 1,769 sqft
    2022-01-01 0 days 1,695 sqft
    2022-02-01 0 days 1,685 sqft
    2022-03-01 0 days 1,685 sqft
    2022-04-01 0 days 1,728 sqft
    2022-05-01 0 days 1,755 sqft
    2022-06-01 0 days 1,795 sqft
    2022-07-01 0 days 1,814 sqft
    2022-08-01 0 days 1,844 sqft
    2022-09-01 0 days 1,880 sqft
    2022-10-01 0 days 1,890 sqft
    2022-11-01 0 days 1,816 sqft
    2022-12-01 0 days 1,750 sqft
    2023-01-01 0 days 1,744 sqft
    2023-02-01 0 days 1,700 sqft
    2023-03-01 0 days 1,728 sqft
    2023-04-01 0 days 1,789 sqft
    2023-05-01 0 days 1,763 sqft
    2023-06-01 0 days 1,803 sqft
    2023-07-01 0 days 1,792 sqft
    2023-08-01 0 days 1,783 sqft
    2023-09-01 0 days 1,748 sqft
    2023-10-01 0 days 1,767 sqft
    2023-11-01 0 days 1,801 sqft
    2023-12-01 0 days 1,850 sqft
    2024-01-01 0 days 1,781 sqft
    2024-02-01 0 days 1,738 sqft
    2024-03-01 0 days 1,710 sqft
    2024-04-01 0 days 1,689 sqft
    2024-05-01 0 days 1,721 sqft
    2024-06-01 0 days 1,738 sqft
    2024-07-01 0 days 1,746 sqft
    2024-08-01 0 days 1,789 sqft
    2024-09-01 0 days 1,756 sqft
    2024-10-01 0 days 1,775 sqft
    2024-11-01 0 days 1,784 sqft
    2024-12-01 0 days 1,779 sqft
    London's median listing age (time on market) for 2024-12-01 was 0 days.

    London's median square footage for active listings during the 2024-12-01 period was 1,779 sqft. One year prior, the average listing was 1,850 sqft.

    London, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,144 $223,750,000 $195,586
    Refi 264 $50,670,000 $191,932
    Cash Out Refi 260 $38,310,000 $147,346
    Other 235 $18,735,000 $79,723
    Home Improvement 134 $11,880,000 $88,657
    NA 3 $285,000 $95,000

    London's most frequently cited loan purpose was Home Purchase, with 1,144 originations. The 2nd most popular reason was Refi, with 264 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 842 $161,200,000 $191,449
    Over 8% 407 $37,385,000 $91,855
    7-8% 361 $53,655,000 $148,629
    5-6% 302 $69,750,000 $230,960
    3-4% 23 $585,000 $25,435
    4-5% 10 $1,060,000 $106,000
    <2.5% 4 $580,000 $145,000

    During 2025, London's most frequently originated rate bucket was 6-7%, with 842 originations.

    Loan Sizing (London, KY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 751 $109,815,000 $146,225
    $100,000 or less 670 $38,620,000 $57,642
    $200k-400k 528 $139,550,000 $264,299
    $400k-600k 62 $29,280,000 $472,258
    $600k-1000k 23 $18,225,000 $792,391
    $Over $1MM 6 $8,140,000 $1,356,667

    London's loan sizing saw the bucket of loans from $100k-200k with 751 originations, totaling $109,815,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 895 $190,415,000 $212,754
    60-80% 335 $59,975,000 $179,030
    20-40% 273 $23,515,000 $86,136
    40-60% 178 $24,910,000 $139,944
    Under 20% 173 $6,655,000 $38,468
    Over 100% 41 $7,205,000 $175,732

    London's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 895 originations, totaling $190,415,000 in origination value.