Maysville 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 Maysville averaged 7.3% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.68% and one month ago for the week of 2024-03-14, the average rate was 6.54%.

    Maysville's average rate one year ago was 6.07%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.2%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Maysville 30 Year Fixed Rate 2024-04-18 7.3%
    Maysville 30 Year Fixed Rate Refi 2024-04-18 7.2%
    Maysville 15 Year Fixed Rate 2024-04-18 6.49%
    Maysville 15 Year Fixed Rate Refi 2024-04-18 6.69%
    Maysville 30 Year FHA 2024-04-18 6.86%
    Maysville 30 Year FHA Refi 2024-04-18 6.96%
    Maysville 30 Year USDA 2024-04-18 6.66%
    Maysville 30 Year USDA Refi 2024-04-18 6.96%
    Maysville 30 Year VA 2024-04-18 6.86%
    Maysville 30 Year VA Refi 2024-04-18 6.76%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Maysville, KY.

    Maysville 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 Maysville, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    U.S. Bank 10 7.02% $3,007
    Peoples Bank 5 7.40% $2,567
    S1L, Inc. 3 6.38% $4,891
    QUICKEN LOANS, LLC 3 7.25% $5,745
    Pathways Financial Credit Union, Inc. 2 6.56% $3,508
    UNITED WHOLESALE MORTGAGE, LLC 2 8.25% $4,998
    JPMorgan Chase Bank 1 7.38% $1,024
    MEMBERS HERITAGE Credit Union 1 6.88% $5,552
    Nations Lending Corporation 1 5.88% $4,748
    NAVY FEDERAL CREDIT UNION 1 7.63% $3,768
    Sharefax Credit Union 1 6.63% $0
    STOCKTON MORTGAGE CORPORATION 1 7.38% $8,837
    THRIVE MORTGAGE, LLC 1 6.88% $6,713
    Truist 1 7.88% $4,034
    UNION HOME MORTGAGE CORP. 1 8.50% $2,442
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.75% $7,225
    AMCAP MORTGAGE, LTD. 1 6.88% $3,751
    Warsaw Federal Savings and Loan Association 1 7.25% $2,142
    Central Bank 1 6.50% $4,395
    Farm Credit Mid-America, ACA 1 7.38% $6,109
    Fifth Third Bank 1 6.88% $4,065
    First State Bank 1 6.50% $2,220
    Guardian Savings Bank, A Federal Savings Bank 1 6.75% $3,164

    Maysville Average Closing Costs & Other Stats

    Maysville, KY's 23 lenders originated 207 loans during 2023. The total origination value was $27,555,000, with an average loan value of $133,116.

    Maysville's average closing costs are $4,593.

    The top Maysville lender as defined by loan originations is U.S. Bank, with 10 loans originated. Their average total fees are $3,007, which is $439 higher than the next largest lender, Peoples Bank.

    The lowest fee Maysville lenders (with over 10 loans originated) are U.S. Bank ($3,007), .

    The lowest rate Maysville lenders (with over 10 loans originated) are U.S. Bank (7.02%), .

    Maysville, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    U.S. Bank $4,080,000 $3,370,000 -17.4% 12.2%
    QUICKEN LOANS, LLC $3,745,000 $2,055,000 -45.1% 7.5%
    Peoples Bank $2,275,000 $1,925,000 -15.4% 7.0%
    S1L, Inc. $160,000 $875,000 446.9% 3.2%
    STOCKTON MORTGAGE CORPORATION $670,000 $825,000 23.1% 3.0%
    Equity Prime Mortgage LLC $1,005,000 $810,000 -19.4% 2.9%
    Carrington Mortgage Services, LLC $925,000 $805,000 -13.0% 2.9%
    PENNYMAC LOAN SERVICES, LLC $625,000 $785,000 25.6% 2.8%
    DAS Acquisition Company, LLC $510,000 $645,000 26.5% 2.3%
    Farm Credit Mid-America, ACA $500,000 $595,000 19.0% 2.2%
    Mr. Cooper ( Nationstar Mortgage ) $495,000 $595,000 20.2% 2.2%
    UNITED WHOLESALE MORTGAGE, LLC $555,000 n/a 2.0%
    Community Trust Bank, Inc. $1,135,000 $515,000 -54.6% 1.9%
    VANDERBILT MORTGAGE AND FINANCE, INC. $485,000 n/a 1.8%
    Pathways Financial Credit Union, Inc. $1,090,000 $430,000 -60.6% 1.6%
    SOUTHWEST STAGE FUNDING, LLC $410,000 n/a 1.5%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $75,000 $390,000 420.0% 1.4%
    JPMorgan Chase Bank $135,000 $390,000 188.9% 1.4%
    First Federal Bank of the Midwest $385,000 n/a 1.4%
    THRIVE MORTGAGE, LLC $335,000 n/a 1.2%
    The First National Bank of Brooksville $325,000 n/a 1.2%
    LOANDEPOT.COM, LLC $505,000 $320,000 -36.6% 1.2%
    Fifth Third Bank $915,000 $295,000 -67.8% 1.1%
    Mortgage Research Center, LLC $1,520,000 $295,000 -80.6% 1.1%
    NAVY FEDERAL CREDIT UNION $660,000 $260,000 -60.6% 0.9%
    Union Savings Bank $65,000 $235,000 261.5% 0.9%
    MEMBERS HERITAGE Credit Union $225,000 n/a 0.8%
    The Huntington National Bank $435,000 $225,000 -48.3% 0.8%
    First State Bank $220,000 n/a 0.8%
    Warsaw Federal Savings and Loan Association $205,000 n/a 0.7%
    BROKER SOLUTIONS, INC. $135,000 $195,000 44.4% 0.7%
    Guardian Savings Bank, A Federal Savings Bank $335,000 $195,000 -41.8% 0.7%
    TRIAD FINANCIAL SERVICES, INC. $175,000 n/a 0.6%
    LENDINGONE, LLC $75,000 $165,000 120.0% 0.6%
    Central Bank $235,000 $160,000 -31.9% 0.6%
    AMCAP MORTGAGE, LTD. $155,000 n/a 0.6%
    MORTGAGE INVESTORS GROUP, INC. $155,000 n/a 0.6%
    Stock Yards Bank & Trust Company $375,000 $150,000 -60.0% 0.5%
    First Guaranty Bank $145,000 n/a 0.5%
    COMMONWEALTH $85,000 $140,000 64.7% 0.5%
    UNION HOME MORTGAGE CORP. $770,000 $140,000 -81.8% 0.5%
    AXIA FINANCIAL, LLC $135,000 n/a 0.5%
    AMERISAVE MORTGAGE CORPORATION $615,000 $125,000 -79.7% 0.5%
    LIBERTY HOME MORTGAGE CORPORATION $125,000 n/a 0.5%
    Nations Lending Corporation $185,000 $115,000 -37.8% 0.4%
    Coastal Community Bank $105,000 n/a 0.4%
    LONGBRIDGE FINANCIAL, LLC $105,000 n/a 0.4%
    ROYAL UNITED MORTGAGE LLC $95,000 $105,000 10.5% 0.4%
    Paramount Residential Mortgage Group, Inc. $445,000 $95,000 -78.7% 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $45,000 $70,000 55.6% 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $65,000 n/a 0.2%
    MYCUMORTGAGE, LLC $65,000 n/a 0.2%
    Truist $35,000 $65,000 85.7% 0.2%
    21ST MORTGAGE CORPORATION $55,000 n/a 0.2%
    First Financial Bank $55,000 n/a 0.2%
    City National Bank of West Virginia $70,000 $45,000 -35.7% 0.2%
    UNIVERSITY OF KENTUCKY $15,000 $45,000 200.0% 0.2%
    First Commonwealth Bank $35,000 n/a 0.1%
    Sharefax Credit Union $25,000 n/a 0.1%
    Whitaker Bank $25,000 $25,000 0.0% 0.1%

    Maysville's top lender by overall market share is U.S. Bank, with 12.2% market share. In second place, with 7.5%, is QUICKEN LOANS, LLC, having originated $2,055,000 in loans. In third place, with 7.0%, is Peoples Bank, having originated $1,925,000 in loans. In fourth place, with 3.2%, is S1L, Inc., having originated $875,000 in loans. In fifth place, with 3.0%, is STOCKTON MORTGAGE CORPORATION, having originated $825,000 in loans.

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

    Realtor.com - Maysville (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 $135,000 (150.0%) $126,869 (113.7%) 0.00 13
    2018-02-01 $132,450 (72.6%) $131,353 (88.6%) 0.00 14
    2018-03-01 $135,000 (131.8%) $134,738 (68.8%) 0.00 13
    2018-04-01 $106,250 (23.3%) $126,324 (-17.4%) 0.00 15
    2018-05-01 $92,850 (7.7%) $168,784 (10.5%) 0.00 18
    2018-06-01 $140,000 (-28.9%) $186,330 (-20.3%) 0.00 20
    2018-07-01 $155,500 (-25.6%) $245,727 (15.6%) 0.00 22
    2018-08-01 $147,250 (-29.6%) $232,375 (7.7%) 0.00 24
    2018-09-01 $132,000 (-33.9%) $210,424 (-2.8%) 0.00 26
    2018-10-01 $130,475 (-5.4%) $209,072 (34.0%) 0.00 26
    2018-11-01 $135,475 (3.8%) $204,838 (52.8%) 0.00 26
    2018-12-01 $139,000 (0.8%) $205,026 (55.7%) 0.00 23
    2019-01-01 $127,975 (-5.2%) $189,092 (49.0%) 0.00 22
    2019-02-01 $105,750 (-20.2%) $177,853 (35.4%) 0.00 21
    2019-03-01 $88,100 (-34.7%) $163,539 (21.4%) 0.00 19
    2019-04-01 $82,350 (-22.5%) $160,413 (27.0%) 0.00 19
    2019-05-01 $92,250 (-0.7%) $157,402 (-6.7%) 0.00 17
    2019-06-01 $98,000 (-30.0%) $159,460 (-14.4%) 0.00 19
    2019-07-01 $103,200 (-33.6%) $164,297 (-33.1%) 0.00 22
    2019-08-01 $83,364 (-43.4%) $154,628 (-33.5%) 0.00 19
    2019-09-01 $78,659 (-40.4%) $148,802 (-29.3%) 0.00 18
    2019-10-01 $75,523 (-42.1%) $149,924 (-28.3%) 0.00 17
    2019-11-01 $142,000 (4.8%) $185,450 (-9.5%) 0.00 16
    2019-12-01 $175,000 (25.9%) $200,370 (-2.3%) 0.00 15
    2020-01-01 $119,475 (-6.6%) $212,710 (12.5%) 0.00 22
    2020-02-01 $129,000 (22.0%) $221,967 (24.8%) 0.00 21
    2020-03-01 $124,500 (41.3%) $196,946 (20.4%) 0.00 24
    2020-04-01 $125,625 (52.6%) $196,579 (22.6%) 0.00 24
    2020-05-01 $139,900 (51.7%) $210,062 (33.5%) 0.00 20
    2020-06-01 $119,500 (21.9%) $229,483 (43.9%) 0.00 15
    2020-07-01 $122,000 (18.2%) $246,046 (49.8%) 0.00 13
    2020-08-01 $184,500 (121.3%) $314,591 (103.5%) 0.00 11
    2020-09-01 $191,500 (143.5%) $320,690 (115.5%) 0.00 10
    2020-10-01 $179,900 (138.2%) $336,533 (124.5%) 0.00 9
    2020-11-01 $179,950 (26.7%) $340,589 (83.7%) 0.00 8
    2020-12-01 $220,000 (25.7%) $421,343 (110.3%) 0.00 7
    2021-01-01 $180,000 (50.7%) $356,531 (67.6%) 0.00 7
    2021-02-01 $187,250 (45.2%) $368,114 (65.8%) 0.00 7
    2021-03-01 $224,950 (80.7%) $379,479 (92.7%) 0.00 6
    2021-04-01 $233,725 (86.1%) $352,419 (79.3%) 0.00 8
    2021-05-01 $227,450 (62.6%) $337,800 (60.8%) 0.00 10
    2021-06-01 $224,900 (88.2%) $335,055 (46.0%) 0.00 11
    2021-07-01 $250,000 (104.9%) $249,863 (1.6%) 0.00 10
    2021-08-01 $199,500 (8.1%) $318,610 (1.3%) 0.00 11
    2021-09-01 $159,725 (-16.6%) $263,626 (-17.8%) 0.00 13
    2021-10-01 $154,900 (-13.9%) $303,972 (-9.7%) 0.00 8
    2021-11-01 $198,425 (10.3%) $313,947 (-7.8%) 0.00 11
    2021-12-01 $229,000 (4.1%) $332,680 (-21.0%) 0.00 9
    2022-01-01 $199,900 (11.1%) $295,527 (-17.1%) 0.00 10
    2022-02-01 $194,250 (3.7%) $266,281 (-27.7%) 0.00 12
    2022-03-01 $163,200 (-27.5%) $235,933 (-37.8%) 0.00 12
    2022-04-01 $151,200 (-35.3%) $232,925 (-33.9%) 0.00 11
    2022-05-01 $124,125 (-45.4%) $218,512 (-35.3%) 0.00 14
    2022-06-01 $130,600 (-41.9%) $253,732 (-24.3%) 0.00 15
    2022-07-01 $159,000 (-36.4%) $277,939 (11.2%) 0.00 15
    2022-08-01 $176,175 (-11.7%) $222,595 (-30.1%) 0.00 16
    2022-09-01 $156,150 (-2.2%) $230,792 (-12.5%) 0.00 14
    2022-10-01 $179,000 (15.6%) $323,833 (6.5%) 0.00 18
    2022-11-01 $174,450 (-12.1%) $251,518 (-19.9%) 0.00 17
    2022-12-01 $205,000 (-10.5%) $273,613 (-17.8%) 0.00 15
    2023-01-01 $184,900 (-7.5%) $237,659 (-19.6%) 0.00 17
    2023-02-01 $172,400 (-11.3%) $224,218 (-15.8%) 0.00 17
    2023-03-01 $153,475 (-6.0%) $246,047 (4.3%) 0.00 14
    2023-04-01 $92,500 (-38.8%) $170,186 (-26.9%) 0.00 15
    2023-05-01 $105,000 (-15.4%) $223,541 (2.3%) 0.00 14
    2023-06-01 $167,500 (28.3%) $217,573 (-14.3%) 0.00 12
    2023-07-01 $167,500 (5.4%) $206,629 (-25.7%) 0.00 11
    2023-08-01 $201,925 (14.6%) $232,108 (4.3%) 0.00 12
    2023-09-01 $184,900 (18.4%) $227,873 (-1.3%) 0.00 10
    2023-10-01 $187,450 (4.7%) $234,831 (-27.5%) 0.00 8
    2023-11-01 $261,100 (49.7%) $273,037 (8.6%) 0.00 12
    2023-12-01 $242,450 (18.3%) $271,740 (-0.7%) 0.00 11
    2024-01-01 $182,450 (-1.3%) $259,143 (9.0%) 0.00 10
    2024-02-01 $157,450 (-8.7%) $213,238 (-4.9%) 0.00 10
    2024-03-01 $159,500 (3.9%) $212,098 (-13.8%) 0.00 12
    Maysville's median listing price for 2024-03-01 was $159,500, a difference of $6,025 (3.9%) versus the prior year and $2,050 versus the prior month.

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

    Maysville's average listing price for 2024-03-01 was $212,098, a difference of $-33,949 (-13.8%) versus the prior year and $-1,140 versus the prior month.

    For the 2024-03-01 period, Maysville had 12 MLS listings, a difference of 2 listings (20%) versus the prior month and -2 listings (-14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Maysville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,800 sqft
    2018-02-01 0 days 1,980 sqft
    2018-03-01 0 days 2,170 sqft
    2018-04-01 0 days 2,400 sqft
    2018-05-01 0 days 2,235 sqft
    2018-06-01 0 days 2,170 sqft
    2018-07-01 0 days 2,700 sqft
    2018-08-01 0 days 2,500 sqft
    2018-09-01 0 days 2,370 sqft
    2018-10-01 0 days 2,571 sqft
    2018-11-01 0 days 2,040 sqft
    2018-12-01 0 days 1,920 sqft
    2019-01-01 0 days 1,800 sqft
    2019-02-01 0 days 1,706 sqft
    2019-03-01 0 days 1,550 sqft
    2019-04-01 0 days 1,438 sqft
    2019-05-01 0 days 1,516 sqft
    2019-06-01 0 days 1,620 sqft
    2019-07-01 0 days 1,674 sqft
    2019-08-01 0 days 1,678 sqft
    2019-09-01 0 days 1,645 sqft
    2019-10-01 0 days 1,624 sqft
    2019-11-01 0 days 1,740 sqft
    2019-12-01 0 days 1,800 sqft
    2020-01-01 0 days 2,084 sqft
    2020-02-01 0 days 2,178 sqft
    2020-03-01 0 days 1,990 sqft
    2020-04-01 0 days 1,848 sqft
    2020-05-01 0 days 1,800 sqft
    2020-06-01 0 days 1,759 sqft
    2020-07-01 0 days 1,848 sqft
    2020-08-01 0 days 1,896 sqft
    2020-09-01 0 days 2,640 sqft
    2020-10-01 0 days 3,507 sqft
    2020-11-01 0 days 3,534 sqft
    2020-12-01 0 days 3,534 sqft
    2021-01-01 0 days 2,960 sqft
    2021-02-01 0 days 3,220 sqft
    2021-03-01 0 days 2,940 sqft
    2021-04-01 0 days 2,640 sqft
    2021-05-01 0 days 2,820 sqft
    2021-06-01 0 days 2,580 sqft
    2021-07-01 0 days 2,240 sqft
    2021-08-01 0 days 2,178 sqft
    2021-09-01 0 days 2,135 sqft
    2021-10-01 0 days 1,842 sqft
    2021-11-01 0 days 2,466 sqft
    2021-12-01 0 days 3,071 sqft
    2022-01-01 0 days 2,576 sqft
    2022-02-01 0 days 2,108 sqft
    2022-03-01 0 days 2,030 sqft
    2022-04-01 0 days 2,430 sqft
    2022-05-01 0 days 1,414 sqft
    2022-06-01 0 days 2,011 sqft
    2022-07-01 0 days 1,959 sqft
    2022-08-01 0 days 2,442 sqft
    2022-09-01 0 days 1,959 sqft
    2022-10-01 0 days 2,344 sqft
    2022-11-01 0 days 2,400 sqft
    2022-12-01 0 days 2,408 sqft
    2023-01-01 0 days 2,406 sqft
    2023-02-01 0 days 2,406 sqft
    2023-03-01 0 days 1,568 sqft
    2023-04-01 0 days 1,374 sqft
    2023-05-01 0 days 1,500 sqft
    2023-06-01 0 days 1,466 sqft
    2023-07-01 0 days 1,527 sqft
    2023-08-01 0 days 1,650 sqft
    2023-09-01 0 days 1,794 sqft
    2023-10-01 0 days 1,520 sqft
    2023-11-01 0 days 2,734 sqft
    2023-12-01 0 days 2,657 sqft
    2024-01-01 0 days 1,664 sqft
    2024-02-01 0 days 1,416 sqft
    2024-03-01 0 days 1,416 sqft
    Maysville's median listing age (time on market) for 2024-03-01 was 0 days.

    Maysville's median square footage for active listings during the 2024-03-01 period was 1,416 sqft. One year prior, the average listing was 1,568 sqft.

    Maysville, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 123 $19,555,000 $158,984
    Home Improvement 31 $1,905,000 $61,452
    Other 19 $925,000 $48,684
    Cash Out Refi 19 $2,825,000 $148,684
    Refi 15 $2,345,000 $156,333

    Maysville's most frequently cited loan purpose was Home Purchase, with 123 originations. The 2nd most popular reason was Home Improvement, with 31 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 57 $8,905,000 $156,228
    7-8% 53 $7,965,000 $150,283
    Over 8% 34 $3,000,000 $88,235
    5-6% 14 $2,120,000 $151,429
    3-4% 8 $370,000 $46,250
    4-5% 3 $235,000 $78,333

    During 2023, Maysville's most frequently originated rate bucket was 6-7%, with 57 originations.

    Loan Sizing (Maysville, KY MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 86 $4,300,000 $50,000
    $100k-200k 79 $11,505,000 $145,633
    $200k-400k 37 $9,535,000 $257,703
    $400k-600k 5 $2,215,000 $443,000

    Maysville's loan sizing saw the bucket of loans from $100,000 or less with 86 originations, totaling $4,300,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 86 $14,430,000 $167,791
    60-80% 23 $3,435,000 $149,348
    20-40% 22 $1,710,000 $77,727
    Under 20% 20 $680,000 $34,000
    40-60% 11 $1,275,000 $115,909
    Over 100% 3 $635,000 $211,667

    Maysville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 86 originations, totaling $14,430,000 in origination value.