Maysville Mortgage Rates

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

30 Year Fixed Rate mortgages in Maysville averaged 5.88% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.29% and one month ago for the week of 2022-05-26, the average rate was 5.28%.

Maysville's average rate one year ago was 2.95%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.21%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Maysville 30 Year Fixed Rate 2022-06-30 5.88%
Maysville 30 Year Fixed Rate Refi 2022-06-30 6.21%
Maysville 15 Year Fixed Rate 2022-06-30 5.5%
Maysville 15 Year Fixed Rate Refi 2022-06-30 5.07%
Maysville 30 Year FHA 2022-06-30 6.26%
Maysville 30 Year FHA Refi 2022-06-30 5.82%
Maysville 30 Year USDA 2022-06-30 5.88%
Maysville 30 Year VA 2022-06-30 5.57%
Maysville 30 Year VA Refi 2022-06-30 5.04%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
U.S. Bank 23 3.09% $2,479
QUICKEN LOANS, LLC 12 3.21% $4,154
Community Trust Bank, Inc. 10 3.13% $2,308
FINANCE OF AMERICA MORTGAGE LLC 7 2.98% $3,610
Fifth Third Bank 3 3.21% $3,210
UNITED WHOLESALE MORTGAGE, LLC 3 2.97% $2,398
LOANDEPOT.COM, LLC 3 3.33% $4,524
STOCKTON MORTGAGE CORPORATION 3 3.17% $3,272
Mr. Cooper ( Nationstar Mortgage ) 2 3.31% $4,884
Union Savings Bank 2 3.00% $550
First State Bank 2 3.00% $1,576
Guardian Savings Bank, A Federal Savings Bank 2 3.00% $1,118
CINFED Federal Credit Union 2 2.94% $499
PNC Bank 2 3.00% $4,123
AMERISAVE MORTGAGE CORPORATION 2 2.75% $9,570
Mercantile Bank of Michigan 2 3.31% $2,365
RUOFF MORTGAGE COMPANY, INC. 2 3.31% $4,632
Farm Credit Mid-America, ACA 2 3.53% $6,595
RAPID MORTGAGE COMPANY 1 3.88% $3,531
Republic Bank & Trust Company 1 2.75% $2,025
ROYAL UNITED MORTGAGE LLC 1 4.88% $4,043
SIRVA MORTGAGE, INC. 1 3.38% $0
Stock Yards Bank & Trust Company 1 3.25% $2,221
TCF National Bank 1 3.25% $3,055
UNION HOME MORTGAGE CORP. 1 3.38% $2,441
AMERICAN MORTGAGE SERVICE COMPANY 1 3.38% $2,430
Waterstone Mortgage Corporation 1 3.38% $3,183
AMERIFIRST FINANCIAL CORPORATION 1 3.00% $3,233
Bank of England 1 3.00% $2,756
BAYSHORE MORTGAGE FUNDING, LLC 1 3.38% $4,434
Central Bank & Trust Company 1 3.00% $1,682
COMMONWEALTH 1 2.75% $2,074
DRAPER AND KRAMER MORTGAGE CORP. 1 2.63% $3,261
EQUITY RESOURCES, INC. 1 2.88% $3,256
GUARANTEED RATE, INC. 1 2.99% $4,139
HOME POINT FINANCIAL CORPORATION 1 3.00% $5,111
Hometown Lenders, Inc. 1 3.25% $4,465
MORTGAGE SUPPLIERS, INC. 1 3.50% $3,574
NATIONS RELIABLE LENDING, LLC 1 3.37% $4,651
NEWREZ LLC 1 4.13% $1,910
OPTION FINANCIAL, LLC 1 3.25% $4,503
PARK COMMUNITY CREDIT UNION, INC. 1 4.00% $2,371
PENTAGON FEDERAL CREDIT UNION 1 2.38% $2,307
Peoples Bank 1 2.88% $2,763

Maysville, KY's 44 lenders originated 379 loans during 2021. The total origination value was $55,115,000, with an average loan value of $145,422.

The top Maysville lender as defined by loan originations is U.S. Bank, with 23 loans originated. Their average total fees are $2,479, which is $1,675 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Maysville lenders (with over 10 loans originated) are Community Trust Bank, Inc. ($2,308), U.S. Bank ($2,479), QUICKEN LOANS, LLC ($4,154), .

The lowest rate Maysville lenders (with over 10 loans originated) are U.S. Bank (3.09%), Community Trust Bank, Inc. (3.13%), QUICKEN LOANS, LLC (3.21%), .

Maysville, 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
QUICKEN LOANS, LLC $5,575,000 $9,115,000 63.5% 16.5%
U.S. Bank $9,015,000 $7,530,000 -16.5% 13.7%
FINANCE OF AMERICA MORTGAGE LLC $1,540,000 $2,995,000 94.5% 5.4%
Community Trust Bank, Inc. $1,930,000 $2,910,000 50.8% 5.3%
Pathways Financial Credit Union, Inc. $605,000 $1,940,000 220.7% 3.5%
UNION HOME MORTGAGE CORP. $830,000 $1,810,000 118.1% 3.3%
Renasant Bank $825,000 $1,465,000 77.6% 2.7%
STOCKTON MORTGAGE CORPORATION $1,420,000 $1,410,000 -0.7% 2.6%
Farm Credit Mid-America, ACA $3,185,000 $1,285,000 -59.7% 2.3%
HOME POINT FINANCIAL CORPORATION $275,000 $1,225,000 345.5% 2.2%
Mortgage Research Center, LLC $525,000 $1,135,000 116.2% 2.1%
Citizens Deposit Bank & Trust $1,655,000 $880,000 -46.8% 1.6%
LOANDEPOT.COM, LLC $195,000 $855,000 338.5% 1.6%
FREEDOM MORTGAGE CORPORATION $1,045,000 $820,000 -21.5% 1.5%
PENNYMAC LOAN SERVICES, LLC $95,000 $800,000 742.1% 1.5%
Mr. Cooper ( Nationstar Mortgage ) $370,000 $780,000 110.8% 1.4%
AMERISAVE MORTGAGE CORPORATION $440,000 $775,000 76.1% 1.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $230,000 $620,000 169.6% 1.1%
Central Bank & Trust Company $180,000 $590,000 227.8% 1.1%
Fifth Third Bank $235,000 $570,000 142.6% 1.0%
First State Bank $545,000 $560,000 2.8% 1.0%
UNITED WHOLESALE MORTGAGE, LLC $485,000 $555,000 14.4% 1.0%
RUOFF MORTGAGE COMPANY, INC. $275,000 $540,000 96.4% 1.0%
Mercantile Bank of Michigan $500,000 n/a 0.9%
NAVY FEDERAL CREDIT UNION $155,000 $500,000 222.6% 0.9%
Guardian Savings Bank, A Federal Savings Bank $465,000 n/a 0.8%
GUARANTEED RATE, INC. $435,000 n/a 0.8%
AMERIFIRST FINANCIAL CORPORATION $865,000 $430,000 -50.3% 0.8%
KS StateBank $405,000 $405,000 0.0% 0.7%
AMERICAN MORTGAGE SERVICE COMPANY $385,000 n/a 0.7%
PNC Bank $380,000 n/a 0.7%
COMMONWEALTH $165,000 $375,000 127.3% 0.7%
Hometown Lenders, Inc. $225,000 $360,000 60.0% 0.7%
Sunflower Bank $325,000 n/a 0.6%
Union Savings Bank $260,000 $305,000 17.3% 0.6%
Carrington Mortgage Services, LLC $495,000 $295,000 -40.4% 0.5%
POLARIS HOME FUNDING CORP. $250,000 $285,000 14.0% 0.5%
CINFED Federal Credit Union $280,000 n/a 0.5%
NEWREZ LLC $260,000 $280,000 7.7% 0.5%
EQUITY RESOURCES, INC. $145,000 $275,000 89.7% 0.5%
DRAPER AND KRAMER MORTGAGE CORP. $265,000 n/a 0.5%
OPTION FINANCIAL, LLC $265,000 n/a 0.5%
21ST MORTGAGE CORPORATION $25,000 $255,000 920.0% 0.5%
NEW DAY FINANCIAL, LLC $255,000 n/a 0.5%
SIRVA MORTGAGE, INC. $255,000 n/a 0.5%
AMERICAN INTERNET MORTGAGE, INC. $245,000 n/a 0.4%
UNITED MORTGAGE CORP. $245,000 n/a 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $280,000 $230,000 -17.9% 0.4%
NATIONS RELIABLE LENDING, LLC $105,000 $225,000 114.3% 0.4%
BAYSHORE MORTGAGE FUNDING, LLC $205,000 n/a 0.4%
1ST SIGNATURE LENDING, LLC $195,000 n/a 0.4%
Waterstone Mortgage Corporation $195,000 n/a 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $360,000 $185,000 -48.6% 0.3%
Morgan Stanley Private Bank $265,000 $185,000 -30.2% 0.3%
Paramount Residential Mortgage Group, Inc. $85,000 $185,000 117.6% 0.3%
Republic Bank & Trust Company $185,000 n/a 0.3%
Stock Yards Bank & Trust Company $185,000 n/a 0.3%
JPMorgan Chase Bank $180,000 n/a 0.3%
ROYAL UNITED MORTGAGE LLC $220,000 $180,000 -18.2% 0.3%
First Grayson Bancorp Inc. $145,000 $175,000 20.7% 0.3%
SOUTHWEST STAGE FUNDING, LLC $155,000 $175,000 12.9% 0.3%
Wells Fargo Bank $765,000 $175,000 -77.1% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $165,000 n/a 0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $165,000 n/a 0.3%
PENTAGON FEDERAL CREDIT UNION $165,000 n/a 0.3%
Austin Capital Bank SSB $155,000 n/a 0.3%
LAKEVIEW LOAN SERVICING, LLC $455,000 $155,000 -65.9% 0.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $145,000 $145,000 0.0% 0.3%
Southern Hills Community Bank $145,000 n/a 0.3%
First Option Mortgage, LLC $135,000 n/a 0.2%
Northpointe Bank $135,000 n/a 0.2%
SUCCESS MORTGAGE PARTNERS, INC. $135,000 n/a 0.2%
TCF National Bank $135,000 $135,000 0.0% 0.2%
BAY EQUITY LLC $130,000 n/a 0.2%
ACADEMY MORTGAGE CORPORATION $105,000 n/a 0.2%
Bank of England $85,000 n/a 0.2%
CHURCHILL MORTGAGE CORPORATION $85,000 n/a 0.2%
GENERAL ELECTRIC CREDIT UNION $85,000 n/a 0.2%
Nations Lending Corporation $85,000 n/a 0.2%
Peoples Bank $85,000 n/a 0.2%
RAPID MORTGAGE COMPANY $85,000 n/a 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $300,000 $85,000 -71.7% 0.2%
PARK COMMUNITY CREDIT UNION, INC. $75,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $125,000 $75,000 -40.0% 0.1%
UNIFY FINANCIAL Credit Union $65,000 n/a 0.1%
AMERICAN ADVISORS GROUP $55,000 n/a 0.1%
CALIBER HOME LOANS, INC. $205,000 $55,000 -73.2% 0.1%
MEMBERS HERITAGE Credit Union $175,000 $55,000 -68.6% 0.1%
MID AMERICA MORTGAGE, INC. $115,000 $55,000 -52.2% 0.1%
UNIVERSITY OF KENTUCKY $240,000 $55,000 -77.1% 0.1%
MORTGAGE SUPPLIERS, INC. $480,000 $45,000 -90.6% 0.1%
United Citizens Bank & Trust Company $25,000 n/a 0.0%

Maysville's top lender by overall market share is QUICKEN LOANS, LLC, with 16.5% market share. In second place, with 13.7%, is U.S. Bank, having originated $7,530,000 in loans. In third place, with 5.4%, is FINANCE OF AMERICA MORTGAGE LLC, having originated $2,995,000 in loans. In third place, with 5.3%, is Community Trust Bank, Inc., having originated $2,910,000 in loans. In third place, with 3.5%, is Pathways Financial Credit Union, Inc., having originated $1,940,000 in loans.


Maysville, KY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 178 $26,660,000 $149,775
Refi 151 $21,185,000 $140,298
Cash Out Refi 39 $6,445,000 $165,256
Other 6 $480,000 $80,000
Home Improvement 5 $345,000 $69,000

Maysville's most frequently cited loan purpose was Home Purchase, with 178 originations. The 2nd most popular reason was Refi, with 151 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 136 $20,600,000 $151,471
2.5-3% 134 $19,680,000 $146,866
<2.5% 56 $9,630,000 $171,964
4-5% 14 $1,490,000 $106,429
5-6% 3 $65,000 $21,667
6-7% 3 $255,000 $85,000
7-8% 1 $135,000 $135,000
Over 8% 1 $95,000 $95,000

During 2021, Maysville's most frequently originated rate bucket was 3-4%, with 136 originations.

Loan Sizing (Maysville, KY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 181 $26,705,000 $147,541
$100,000 or less 125 $8,595,000 $68,760
$200k-400k 70 $18,560,000 $265,143
$400k-600k 3 $1,255,000 $418,333

Maysville's loan sizing saw the bucket of loans from $100k-200k with 181 originations, totaling $26,705,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 174 $28,170,000 $161,897
60-80% 101 $15,145,000 $149,950
40-60% 37 $5,025,000 $135,811
20-40% 15 $1,325,000 $88,333
Under 20% 7 $135,000 $19,286
Over 100% 5 $1,065,000 $213,000

Maysville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 174 originations, totaling $28,170,000 in origination value.


Market Conditions (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 (132.8%) $129,018 (109.8%) 0.00 22
2018-02-01 $135,000 (91.5%) $136,144 (104.5%) 0.00 22
2018-03-01 $135,000 (170.0%) $143,314 (91.3%) 0.00 21
2018-04-01 $135,000 (54.3%) $133,995 (-7.4%) 0.00 22
2018-05-01 $108,000 (23.4%) $160,516 (11.0%) 0.00 24
2018-06-01 $155,000 (-16.0%) $187,307 (-19.3%) 0.00 28
2018-07-01 $187,450 (17.2%) $229,520 (13.6%) 0.00 31
2018-08-01 $193,750 (-7.3%) $221,773 (8.0%) 0.00 31
2018-09-01 $135,000 (-32.3%) $199,325 (-1.9%) 0.00 35
2018-10-01 $134,900 (-4.3%) $198,557 (31.1%) 0.00 35
2018-11-01 $134,900 (-0.1%) $193,734 (40.7%) 0.00 34
2018-12-01 $129,000 (-8.5%) $191,515 (40.8%) 0.00 32
2019-01-01 $126,950 (-6.0%) $168,976 (31.0%) 0.00 31
2019-02-01 $98,000 (-27.4%) $156,109 (14.7%) 0.00 30
2019-03-01 $88,143 (-34.7%) $148,160 (3.4%) 0.00 27
2019-04-01 $88,143 (-34.7%) $148,904 (11.1%) 0.00 27
2019-05-01 $98,000 (-9.3%) $156,603 (-2.4%) 0.00 24
2019-06-01 $98,000 (-36.8%) $167,929 (-10.4%) 0.00 29
2019-07-01 $114,000 (-39.2%) $176,555 (-23.1%) 0.00 27
2019-08-01 $96,429 (-50.2%) $162,525 (-26.7%) 0.00 24
2019-09-01 $116,379 (-13.8%) $170,215 (-14.6%) 0.00 24
2019-10-01 $75,000 (-44.4%) $155,721 (-21.6%) 0.00 24
2019-11-01 $159,000 (17.9%) $189,733 (-2.1%) 0.00 24
2019-12-01 $175,000 (35.7%) $207,948 (8.6%) 0.00 19
2020-01-01 $159,000 (25.3%) $219,217 (29.7%) 0.00 27
2020-02-01 $159,000 (62.2%) $226,559 (45.1%) 0.00 27
2020-03-01 $129,000 (46.4%) $188,800 (27.4%) 0.00 29
2020-04-01 $159,000 (80.4%) $191,233 (28.4%) 0.00 29
2020-05-01 $159,000 (62.2%) $202,686 (29.4%) 0.00 27
2020-06-01 $163,000 (66.3%) $224,961 (34.0%) 0.00 19
2020-07-01 $163,000 (43.0%) $236,785 (34.1%) 0.00 17
2020-08-01 $163,000 (69.0%) $274,071 (68.6%) 0.00 13
2020-09-01 $184,500 (58.5%) $284,454 (67.1%) 0.00 13
2020-10-01 $179,900 (139.9%) $313,336 (101.2%) 0.00 10
2020-11-01 $179,950 (13.2%) $306,160 (61.4%) 0.00 10
2020-12-01 $237,000 (35.4%) $403,246 (93.9%) 0.00 8
2021-01-01 $180,000 (13.2%) $294,155 (34.2%) 0.00 11
2021-02-01 $175,000 (10.1%) $305,977 (35.1%) 0.00 9
2021-03-01 $224,950 (74.4%) $340,763 (80.5%) 0.00 7
2021-04-01 $240,000 (50.9%) $338,930 (77.2%) 0.00 9
2021-05-01 $199,500 (25.5%) $296,136 (46.1%) 0.00 11
2021-06-01 $199,500 (22.4%) $281,426 (25.1%) 0.00 12
2021-07-01 $217,450 (33.4%) $193,105 (-18.5%) 0.00 10
2021-08-01 $204,000 (25.2%) $295,175 (7.7%) 0.00 12
2021-09-01 $195,000 (5.7%) $263,997 (-7.2%) 0.00 13
2021-10-01 $199,900 (11.1%) $294,475 (-6.0%) 0.00 9
2021-11-01 $199,900 (11.1%) $282,853 (-7.6%) 0.00 14
2021-12-01 $214,450 (-9.5%) $282,382 (-30.0%) 0.00 11
2022-01-01 $195,000 (8.3%) $259,920 (-11.6%) 0.00 14
2022-02-01 $194,500 (11.1%) $244,200 (-20.2%) 0.00 14
2022-03-01 $181,950 (-19.1%) $222,250 (-34.8%) 0.00 13
2022-04-01 $144,900 (-39.6%) $204,653 (-39.6%) 0.00 14
2022-05-01 $127,500 (-36.1%) $205,233 (-30.7%) 0.00 16
2022-06-01 $116,250 (-41.7%) $230,394 (-18.1%) 0.00 17
Maysville's median listing price for 2022-06-01 was $116,250, a difference of $-83,250 (-41.7%) versus the prior year and $-11,250 versus the prior month.

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

Maysville's average listing price for 2022-06-01 was $230,394, a difference of $-51,032 (-18.1%) versus the prior year and $25,161 versus the prior month.

For the 2022-06-01 period, Maysville had 17 MLS listings, a difference of 1 listings (6%) versus the prior month and 5 listings (42%) 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 2,700 sqft
2018-03-01 0 days 2,700 sqft
2018-04-01 0 days 2,700 sqft
2018-05-01 0 days 2,700 sqft
2018-06-01 0 days 2,880 sqft
2018-07-01 0 days 2,880 sqft
2018-08-01 0 days 2,880 sqft
2018-09-01 0 days 2,880 sqft
2018-10-01 0 days 2,880 sqft
2018-11-01 0 days 2,840 sqft
2018-12-01 0 days 2,800 sqft
2019-01-01 0 days 2,750 sqft
2019-02-01 0 days 2,840 sqft
2019-03-01 0 days 2,520 sqft
2019-04-01 0 days 2,480 sqft
2019-05-01 0 days 2,336 sqft
2019-06-01 0 days 2,880 sqft
2019-07-01 0 days 2,424 sqft
2019-08-01 0 days 1,600 sqft
2019-09-01 0 days 1,600 sqft
2019-10-01 0 days 1,600 sqft
2019-11-01 0 days 1,800 sqft
2019-12-01 0 days 2,116 sqft
2020-01-01 0 days 1,989 sqft
2020-02-01 0 days 2,178 sqft
2020-03-01 0 days 1,991 sqft
2020-04-01 0 days 1,800 sqft
2020-05-01 0 days 1,991 sqft
2020-06-01 0 days 1,800 sqft
2020-07-01 0 days 1,800 sqft
2020-08-01 0 days 1,991 sqft
2020-09-01 0 days 3,480 sqft
2020-10-01 0 days 3,480 sqft
2020-11-01 0 days 3,480 sqft
2020-12-01 0 days 3,480 sqft
2021-01-01 0 days 3,480 sqft
2021-02-01 0 days 3,480 sqft
2021-03-01 0 days 3,480 sqft
2021-04-01 0 days 3,060 sqft
2021-05-01 0 days 2,640 sqft
2021-06-01 0 days 2,640 sqft
2021-07-01 0 days 2,240 sqft
2021-08-01 0 days 2,192 sqft
2021-09-01 0 days 2,135 sqft
2021-10-01 0 days 2,200 sqft
2021-11-01 0 days 2,576 sqft
2021-12-01 0 days 2,640 sqft
2022-01-01 0 days 2,512 sqft
2022-02-01 0 days 1,655 sqft
2022-03-01 0 days 1,630 sqft
2022-04-01 0 days 2,430 sqft
2022-05-01 0 days 1,630 sqft
2022-06-01 0 days 2,011 sqft
Maysville's median listing age (time on market) for 2022-06-01 was 0 days.

Maysville's median square footage for active listings during the 2022-06-01 period was 2,011 sqft. One year prior, the average listing was 2,640 sqft.