Maysville Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Maysville averaged 6.54% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.45% and one month ago for the week of 2025-02-27, the average rate was 6.76%.

Maysville's average rate one year ago was 6.79%.

For refis of the same type during the week of 2025-04-03, the average rate was 6.74%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Maysville 30 Year Fixed Rate 2025-04-03 6.54%
Maysville 30 Year Fixed Rate Refi 2025-04-03 6.74%
Maysville 15 Year Fixed Rate 2025-04-03 5.92%
Maysville 15 Year Fixed Rate Refi 2025-04-03 6.52%
Maysville 30 Year FHA 2025-04-03 6.06%
Maysville 30 Year FHA Refi 2025-04-03 6.06%
Maysville 30 Year USDA 2025-04-03 6.22%
Maysville 30 Year USDA Refi 2025-04-03 6.42%
Maysville 30 Year VA 2025-04-03 5.86%
Maysville 30 Year VA Refi 2025-04-03 5.96%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
U.S. Bank 13 7.10% $3,889
Peoples Bank 6 6.50% $2,879
QUICKEN LOANS, LLC 5 6.72% $6,244
Farm Credit Mid-America, ACA 4 7.94% $7,348
UNITED WHOLESALE MORTGAGE, LLC 4 7.72% $7,012
Fifth Third Bank 3 6.66% $4,089
First State Bank 3 7.46% $2,378
Pathways Financial Credit Union, Inc. 2 5.50% $2,962
ZILLOW HOME LOANS, LLC 2 7.25% $5,707
Discover Bank 1 8.31% $0
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.38% $6,832
GENISYS 1 6.38% $3,247
KEMBA CREDIT UNION, INC. 1 6.88% $1,986
Mr. Cooper ( Nationstar Mortgage ) 1 7.13% $4,074
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $5,362
RAPID MORTGAGE COMPANY 1 6.99% $3,660
SUCCESS MORTGAGE PARTNERS, INC. 1 6.50% $4,065
Truist 1 7.63% $2,949
FREEDOM MORTGAGE CORPORATION 1 7.25% $13,372
AmRes Corporation 1 7.38% $2,865
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.50% $3,656
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.88% $9,302
Bank of America 1 7.38% $6,059
Century Mortgage Company DBA Century Lending Company 1 6.88% $2,521
CMG MORTGAGE, INC. 1 6.63% $5,052
Community Trust Bank, Inc. 1 6.00% $2,781
DAS Acquisition Company, LLC 1 7.13% $9,920

Maysville Average Closing Costs & Other Stats

Maysville, KY's 27 lenders originated 262 loans during 2024. The total origination value was $38,540,000, with an average loan value of $147,099.

Maysville's average closing costs are $4,844.

The top Maysville lender as defined by loan originations is U.S. Bank, with 13 loans originated. Their average total fees are $3,889, which is $1,010 higher than the next largest lender, Peoples Bank.

The lowest fee Maysville lenders (with over 10 loans originated) are U.S. Bank ($3,889), .

The lowest rate Maysville lenders (with over 10 loans originated) are U.S. Bank (7.10%), .

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
U.S. Bank $3,370,000 $5,190,000 54.0% 13.5%
QUICKEN LOANS, LLC $2,055,000 $4,345,000 111.4% 11.3%
UNITED WHOLESALE MORTGAGE, LLC $555,000 $2,435,000 338.7% 6.3%
Peoples Bank $1,925,000 $1,875,000 -2.6% 4.9%
Community Trust Bank, Inc. $515,000 $1,625,000 215.5% 4.2%
UNION HOME MORTGAGE CORP. $140,000 $1,600,000 1,042.9% 4.2%
Farm Credit Mid-America, ACA $595,000 $1,475,000 147.9% 3.8%
STOCKTON MORTGAGE CORPORATION $825,000 $1,440,000 74.5% 3.7%
Fifth Third Bank $295,000 $1,015,000 244.1% 2.6%
NAVY FEDERAL CREDIT UNION $260,000 $985,000 278.8% 2.6%
USAA Federal Savings Bank $610,000 n/a 1.6%
First State Bank $220,000 $595,000 170.5% 1.5%
Bank of America $575,000 n/a 1.5%
FREEDOM MORTGAGE CORPORATION $560,000 n/a 1.5%
NEW DAY FINANCIAL, LLC $530,000 n/a 1.4%
Equity Prime Mortgage LLC $810,000 $490,000 -39.5% 1.3%
Pathways Financial Credit Union, Inc. $430,000 $415,000 -3.5% 1.1%
NEWREZ LLC $410,000 n/a 1.1%
Paramount Residential Mortgage Group, Inc. $95,000 $400,000 321.1% 1.0%
First Federal Bank of the Midwest $385,000 $395,000 2.6% 1.0%
SUCCESS MORTGAGE PARTNERS, INC. $365,000 n/a 0.9%
RELIANCE FIRST CAPITAL, LLC $335,000 n/a 0.9%
ZILLOW HOME LOANS, LLC $330,000 n/a 0.9%
First Guaranty Bank $145,000 $325,000 124.1% 0.8%
Century Mortgage Company DBA Century Lending Company $300,000 n/a 0.8%
GENISYS $275,000 n/a 0.7%
DAS Acquisition Company, LLC $645,000 $265,000 -58.9% 0.7%
The Huntington National Bank $225,000 $260,000 15.6% 0.7%
Mortgage Research Center, LLC $295,000 $255,000 -13.6% 0.7%
Ixonia Bank $245,000 n/a 0.6%
The First National Bank of Brooksville $325,000 $235,000 -27.7% 0.6%
RAPID MORTGAGE COMPANY $230,000 n/a 0.6%
CLEARPATH LENDING $225,000 n/a 0.6%
KEMBA CREDIT UNION, INC. $225,000 n/a 0.6%
Mr. Cooper ( Nationstar Mortgage ) $595,000 $225,000 -62.2% 0.6%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $215,000 n/a 0.6%
ENDEAVOR CAPITAL, LLC. $205,000 n/a 0.5%
TOP FLITE FINANCIAL, INC. $205,000 n/a 0.5%
MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 n/a 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $70,000 $195,000 178.6% 0.5%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $185,000 n/a 0.5%
CMG MORTGAGE, INC. $175,000 n/a 0.5%
FINANCE OF AMERICA REVERSE LLC $170,000 n/a 0.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $165,000 n/a 0.4%
GUARANTEED RATE, INC. $155,000 n/a 0.4%
AmRes Corporation $145,000 n/a 0.4%
CROSSCOUNTRY MORTGAGE, LLC $135,000 n/a 0.4%
Truist $65,000 $135,000 107.7% 0.4%
Discover Bank $120,000 n/a 0.3%
AMERISAVE MORTGAGE CORPORATION $125,000 $115,000 -8.0% 0.3%
BROKER SOLUTIONS, INC. $195,000 $115,000 -41.0% 0.3%
City National Bank of West Virginia $45,000 $115,000 155.6% 0.3%
Traditional Bank, Inc. $110,000 n/a 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $485,000 $105,000 -78.4% 0.3%
21ST MORTGAGE CORPORATION $55,000 $95,000 72.7% 0.2%
Wells Fargo Bank $85,000 n/a 0.2%
Guardian Savings Bank, A Federal Savings Bank $195,000 $75,000 -61.5% 0.2%
HOMESIDE FINANCIAL, LLC $75,000 n/a 0.2%
First State Bank of the Southeast, Inc. $65,000 n/a 0.2%
MEMBERS HERITAGE Credit Union $225,000 $55,000 -75.6% 0.1%
PNC Bank $55,000 n/a 0.1%
The Park National Bank $55,000 n/a 0.1%
UNIVERSITY OF KENTUCKY $45,000 $55,000 22.2% 0.1%
Heritage Bank, Inc. $35,000 n/a 0.1%
Coastal Community Bank $105,000 $25,000 -76.2% 0.1%
COMMONWEALTH $140,000 $25,000 -82.1% 0.1%
Whitaker Bank $25,000 $15,000 -40.0% 0.0%

Maysville's top lender by overall market share is U.S. Bank, with 13.5% market share. In second place, with 11.3%, is QUICKEN LOANS, LLC, having originated $4,345,000 in loans. In third place, with 6.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,435,000 in loans. In fourth place, with 4.9%, is Peoples Bank, having originated $1,875,000 in loans. In fifth place, with 4.2%, is Community Trust Bank, Inc., having originated $1,625,000 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
2024-04-01 $125,750 (36.0%) $129,669 (-23.8%) 0.00 12
2024-05-01 $94,950 (-9.6%) $128,023 (-42.7%) 0.00 14
2024-06-01 $114,900 (-31.4%) $116,390 (-46.5%) 0.00 12
2024-07-01 $127,000 (-24.2%) $210,564 (1.9%) 0.00 13
2024-08-01 $204,950 (1.5%) $299,781 (29.2%) 0.00 15
2024-09-01 $215,000 (16.3%) $344,373 (51.1%) 0.00 18
2024-10-01 $209,075 (11.5%) $299,598 (27.6%) 0.00 21
2024-11-01 $208,900 (-20.0%) $295,679 (8.3%) 0.00 19
2024-12-01 $202,150 (-16.6%) $311,306 (14.6%) 0.00 23
Maysville's median listing price for 2024-12-01 was $202,150, a difference of $-40,300 (-16.6%) versus the prior year and $-6,750 versus the prior month.

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

Maysville's average listing price for 2024-12-01 was $311,306, a difference of $39,566 (14.6%) versus the prior year and $15,627 versus the prior month.

For the 2024-12-01 period, Maysville had 23 MLS listings, a difference of 4 listings (21%) versus the prior month and 12 listings (109%) 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
2024-04-01 0 days 1,563 sqft
2024-05-01 0 days 1,599 sqft
2024-06-01 0 days 1,404 sqft
2024-07-01 0 days 1,358 sqft
2024-08-01 0 days 1,392 sqft
2024-09-01 0 days 1,544 sqft
2024-10-01 0 days 1,683 sqft
2024-11-01 0 days 1,628 sqft
2024-12-01 0 days 1,754 sqft
Maysville's median listing age (time on market) for 2024-12-01 was 0 days.

Maysville's median square footage for active listings during the 2024-12-01 period was 1,754 sqft. One year prior, the average listing was 2,657 sqft.

Maysville, KY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 134 $24,590,000 $183,507
Cash Out Refi 38 $5,740,000 $151,053
Home Improvement 33 $1,905,000 $57,727
Other 31 $1,825,000 $58,871
Refi 26 $4,480,000 $172,308

Maysville's most frequently cited loan purpose was Home Purchase, with 134 originations. The 2nd most popular reason was Cash Out Refi, with 38 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 90 $16,550,000 $183,889
Over 8% 61 $4,835,000 $79,262
7-8% 56 $9,030,000 $161,250
5-6% 21 $3,925,000 $186,905
3-4% 5 $45,000 $9,000
<2.5% 2 $10,000 $5,000

During 2024, Maysville's most frequently originated rate bucket was 6-7%, with 90 originations.

Loan Sizing (Maysville, KY MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 107 $5,585,000 $52,196
$100k-200k 94 $13,530,000 $143,936
$200k-400k 51 $13,765,000 $269,902
$400k-600k 7 $3,115,000 $445,000
$600k-1000k 2 $1,300,000 $650,000
$Over $1MM 1 $1,245,000 $1,245,000

Maysville's loan sizing saw the bucket of loans from $100,000 or less with 107 originations, totaling $5,585,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 98 $19,090,000 $194,796
60-80% 44 $7,790,000 $177,045
20-40% 36 $2,780,000 $77,222
Under 20% 30 $1,020,000 $34,000
40-60% 19 $2,335,000 $122,895
Over 100% 1 $505,000 $505,000

Maysville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 98 originations, totaling $19,090,000 in origination value.