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 7.23% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

The average rate for the prior week (2023-09-14) was 7.22% and one month ago for the week of 2023-08-17, the average rate was 6.93%.

Maysville's average rate one year ago was 5.86%.

For refis of the same type during the week of 2023-09-21, the average rate was 7.09%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-21 7.19%
Maysville 30 Year Fixed Rate 2023-09-21 7.23%
Maysville 30 Year Fixed Rate Refi 2023-09-21 7.09%
Maysville 15 Year Fixed Rate 2023-09-21 6.74%
Maysville 15 Year Fixed Rate Refi 2023-09-21 6.44%
Maysville 30 Year FHA 2023-09-21 7.04%
Maysville 30 Year FHA Refi 2023-09-21 7.14%
Maysville 30 Year USDA 2023-09-21 6.92%
Maysville 30 Year USDA Refi 2023-09-21 7.12%
Maysville 30 Year VA 2023-09-21 6.62%
Maysville 30 Year VA Refi 2023-09-21 6.62%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
U.S. Bank 15 5.20% $2,875
QUICKEN LOANS, LLC 10 5.16% $6,839
FINANCE OF AMERICA MORTGAGE LLC 9 5.58% $4,995
Peoples Bank 5 5.15% $4,869
Fifth Third Bank 4 4.34% $4,419
HOMESIDE FINANCIAL, LLC 4 5.00% $3,678
UNION HOME MORTGAGE CORP. 3 6.08% $4,485
AMERICAN MORTGAGE SERVICE COMPANY 2 5.88% $7,320
Prosperity Home Mortgage, LLC 2 4.06% $3,386
AMERISAVE MORTGAGE CORPORATION 2 3.88% $6,448
Farm Credit Mid-America, ACA 2 6.23% $5,669
STOCKTON MORTGAGE CORPORATION 2 6.19% $3,915
HOME POINT FINANCIAL CORPORATION 2 4.68% $7,053
PNC Bank 2 4.56% $3,748
Morgan Stanley Private Bank 1 5.50% $4,579
Mr. Cooper ( Nationstar Mortgage ) 1 5.00% $7,522
NATIONS RELIABLE LENDING, LLC 1 6.38% $4,116
NEWREZ LLC 1 6.13% $10,442
Paramount Residential Mortgage Group, Inc. 1 4.75% $4,685
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.50% $3,282
ROYAL UNITED MORTGAGE LLC 1 6.25% $6,028
SIRVA MORTGAGE, INC. 1 3.00% $2,227
Stock Yards Bank & Trust Company 1 3.75% $3,981
SUCCESS MORTGAGE PARTNERS, INC. 1 3.50% $3,363
The Huntington National Bank 1 5.50% $4,185
Third Federal Savings and Loan Association of Cleveland 1 5.59% $295
ZILLOW HOME LOANS, LLC 1 7.63% $3,953
AMERIFIRST FINANCIAL CORPORATION 1 6.13% $3,611
Bank of England 1 4.25% $3,146
BETTER MORTGAGE CORPORATION 1 4.38% $4,946
CALIBER HOME LOANS, INC. 1 6.13% $10,442
Central Bank 1 4.00% $2,902
Citibank 1 3.25% $3,082
Citizens Bank 1 5.88% $2,548
COMMUNITY FIRST CREDIT UNION OF FLO 1 5.13% $6,451
Community Trust Bank, Inc. 1 4.25% $6,154
GENEVA FINANCIAL, LLC 1 6.63% $4,530
Guardian Savings Bank, A Federal Savings Bank 1 5.75% $1,346
Heartland Bank 1 6.88% $2,885
JAMES B. NUTTER & COMPANY 1 6.00% $4,629

Maysville Average Closing Costs & Other Stats

Maysville, KY's 40 lenders originated 342 loans during 2022. The total origination value was $48,900,000, with an average loan value of $142,982.

Maysville's average closing costs are $4,444.

The top Maysville lender as defined by loan originations is U.S. Bank, with 15 loans originated. Their average total fees are $2,875, which is $3,964 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Maysville lenders (with over 10 loans originated) are U.S. Bank ($2,875), QUICKEN LOANS, LLC ($6,839), .

The lowest rate Maysville lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (5.16%), U.S. Bank (5.20%), .

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
U.S. Bank $7,530,000 $4,080,000 -45.8% 8.3%
QUICKEN LOANS, LLC $9,115,000 $3,745,000 -58.9% 7.7%
FINANCE OF AMERICA MORTGAGE LLC $2,995,000 $2,950,000 -1.5% 6.0%
Peoples Bank $85,000 $2,275,000 2,576.5% 4.7%
Mortgage Research Center, LLC $1,135,000 $1,520,000 33.9% 3.1%
Community Trust Bank, Inc. $2,910,000 $1,135,000 -61.0% 2.3%
Pathways Financial Credit Union, Inc. $1,940,000 $1,090,000 -43.8% 2.2%
Equity Prime Mortgage LLC $1,005,000 n/a 2.1%
Carrington Mortgage Services, LLC $295,000 $925,000 213.6% 1.9%
HOMESIDE FINANCIAL, LLC $925,000 n/a 1.9%
Fifth Third Bank $570,000 $915,000 60.5% 1.9%
UNION HOME MORTGAGE CORP. $1,810,000 $770,000 -57.5% 1.6%
CALIBER HOME LOANS, INC. $55,000 $740,000 1,245.5% 1.5%
Morgan Stanley Private Bank $185,000 $705,000 281.1% 1.4%
NATIONS RELIABLE LENDING, LLC $225,000 $685,000 204.4% 1.4%
STOCKTON MORTGAGE CORPORATION $1,410,000 $670,000 -52.5% 1.4%
NAVY FEDERAL CREDIT UNION $500,000 $660,000 32.0% 1.3%
PENNYMAC LOAN SERVICES, LLC $800,000 $625,000 -21.9% 1.3%
AMERISAVE MORTGAGE CORPORATION $775,000 $615,000 -20.6% 1.3%
HOME POINT FINANCIAL CORPORATION $1,225,000 $545,000 -55.5% 1.1%
NEWREZ LLC $280,000 $520,000 85.7% 1.1%
AMERICAN MORTGAGE SERVICE COMPANY $385,000 $515,000 33.8% 1.1%
DAS Acquisition Company, LLC $510,000 n/a 1.0%
LOANDEPOT.COM, LLC $855,000 $505,000 -40.9% 1.0%
Farm Credit Mid-America, ACA $1,285,000 $500,000 -61.1% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $780,000 $495,000 -36.5% 1.0%
MOVEMENT MORTGAGE, LLC $480,000 n/a 1.0%
USAA Federal Savings Bank $455,000 n/a 0.9%
Paramount Residential Mortgage Group, Inc. $185,000 $445,000 140.5% 0.9%
The Huntington National Bank $435,000 n/a 0.9%
PNC Bank $380,000 $425,000 11.8% 0.9%
Prosperity Home Mortgage, LLC $400,000 n/a 0.8%
Stock Yards Bank & Trust Company $185,000 $375,000 102.7% 0.8%
Guardian Savings Bank, A Federal Savings Bank $465,000 $335,000 -28.0% 0.7%
BETTER MORTGAGE CORPORATION $320,000 n/a 0.7%
Bank of England $85,000 $300,000 252.9% 0.6%
FREEDOM MORTGAGE CORPORATION $820,000 $300,000 -63.4% 0.6%
Citizens Bank $290,000 n/a 0.6%
LAKEVIEW LOAN SERVICING, LLC $155,000 $270,000 74.2% 0.6%
First Option Mortgage, LLC $135,000 $255,000 88.9% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $250,000 n/a 0.5%
Central Bank & Trust Company $590,000 $235,000 -60.2% 0.5%
SIRVA MORTGAGE, INC. $255,000 $215,000 -15.7% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $620,000 $210,000 -66.1% 0.4%
COMMUNITY FIRST CREDIT UNION OF FLO $205,000 n/a 0.4%
Nations Lending Corporation $85,000 $185,000 117.6% 0.4%
NEW DAY FINANCIAL, LLC $255,000 $185,000 -27.5% 0.4%
ZILLOW HOME LOANS, LLC $175,000 n/a 0.4%
S1L, Inc. $160,000 n/a 0.3%
JAMES B. NUTTER & COMPANY $155,000 n/a 0.3%
Heartland Bank $145,000 n/a 0.3%
Hometown Lenders, Inc. $360,000 $145,000 -59.7% 0.3%
Third Federal Savings and Loan Association of Cleveland $145,000 n/a 0.3%
BROKER SOLUTIONS, INC. $135,000 n/a 0.3%
JPMorgan Chase Bank $180,000 $135,000 -25.0% 0.3%
Citibank $125,000 n/a 0.3%
GENEVA FINANCIAL, LLC $115,000 n/a 0.2%
ROYAL UNITED MORTGAGE LLC $180,000 $95,000 -47.2% 0.2%
COMMONWEALTH $375,000 $85,000 -77.3% 0.2%
VAN DYK MORTGAGE CORPORATION $85,000 n/a 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $165,000 $75,000 -54.5% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $145,000 $75,000 -48.3% 0.2%
LENDINGONE, LLC $75,000 n/a 0.2%
SUCCESS MORTGAGE PARTNERS, INC. $135,000 $75,000 -44.4% 0.2%
TOWNE MORTGAGE COMPANY $75,000 n/a 0.2%
City National Bank of West Virginia $70,000 n/a 0.1%
MORTGAGE SUPPLIERS, INC. $45,000 $65,000 44.4% 0.1%
Union Savings Bank $305,000 $65,000 -78.7% 0.1%
1ST SIGNATURE LENDING, LLC $195,000 $55,000 -71.8% 0.1%
DESCO $55,000 n/a 0.1%
AMERIFIRST FINANCIAL CORPORATION $430,000 $45,000 -89.5% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $45,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $45,000 n/a 0.1%
Cumberland Valley National Bank & Trust Company $35,000 n/a 0.1%
Truist $35,000 n/a 0.1%
Whitaker Bank $25,000 n/a 0.1%
UNIVERSITY OF KENTUCKY $55,000 $15,000 -72.7% 0.0%

Maysville's top lender by overall market share is U.S. Bank, with 8.3% market share. In second place, with 7.7%, is QUICKEN LOANS, LLC, having originated $3,745,000 in loans. In third place, with 6.0%, is FINANCE OF AMERICA MORTGAGE LLC, having originated $2,950,000 in loans. In fourth place, with 4.7%, is Peoples Bank, having originated $2,275,000 in loans. In fifth place, with 3.1%, is Mortgage Research Center, LLC, having originated $1,520,000 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
Maysville's median listing price for 2023-08-01 was $201,925, a difference of $25,750 (14.6%) versus the prior year and $34,425 versus the prior month.

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

Maysville's average listing price for 2023-08-01 was $232,108, a difference of $9,513 (4.3%) versus the prior year and $25,479 versus the prior month.

For the 2023-08-01 period, Maysville had 12 MLS listings, a difference of 1 listings (9%) versus the prior month and -4 listings (-25%) 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 1,920 sqft
2018-02-01 0 days 2,105 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 2,300 sqft
2018-07-01 0 days 2,750 sqft
2018-08-01 0 days 2,700 sqft
2018-09-01 0 days 2,700 sqft
2018-10-01 0 days 2,657 sqft
2018-11-01 0 days 2,370 sqft
2018-12-01 0 days 2,040 sqft
2019-01-01 0 days 1,920 sqft
2019-02-01 0 days 1,792 sqft
2019-03-01 0 days 1,600 sqft
2019-04-01 0 days 1,514 sqft
2019-05-01 0 days 1,568 sqft
2019-06-01 0 days 1,674 sqft
2019-07-01 0 days 1,761 sqft
2019-08-01 0 days 1,751 sqft
2019-09-01 0 days 1,677 sqft
2019-10-01 0 days 1,628 sqft
2019-11-01 0 days 1,740 sqft
2019-12-01 0 days 2,116 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 1,896 sqft
2020-06-01 0 days 1,848 sqft
2020-07-01 0 days 1,943 sqft
2020-08-01 0 days 1,896 sqft
2020-09-01 0 days 3,264 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 2,062 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 1,571 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
Maysville's median listing age (time on market) for 2023-08-01 was 0 days.

Maysville's median square footage for active listings during the 2023-08-01 period was 1,650 sqft. One year prior, the average listing was 2,442 sqft.

Maysville, KY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 201 $31,625,000 $157,338
Cash Out Refi 51 $6,445,000 $126,373
Refi 46 $7,750,000 $168,478
Home Improvement 30 $1,380,000 $46,000
Other 14 $1,700,000 $121,429

Maysville's most frequently cited loan purpose was Home Purchase, with 201 originations. The 2nd most popular reason was Cash Out Refi, with 51 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 70 $10,780,000 $154,000
4-5% 58 $8,930,000 $153,966
6-7% 58 $8,300,000 $143,103
3-4% 45 $5,745,000 $127,667
2.5-3% 16 $2,060,000 $128,750
7-8% 12 $1,060,000 $88,333
<2.5% 7 $715,000 $102,143
Over 8% 3 $85,000 $28,333

During 2022, Maysville's most frequently originated rate bucket was 5-6%, with 70 originations.

Loan Sizing (Maysville, KY MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 138 $8,360,000 $60,580
$100k-200k 129 $18,795,000 $145,698
$200k-400k 70 $18,950,000 $270,714
$400k-600k 3 $1,465,000 $488,333
$600k-1000k 2 $1,330,000 $665,000

Maysville's loan sizing saw the bucket of loans from $100,000 or less with 138 originations, totaling $8,360,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 121 $20,045,000 $165,661
60-80% 74 $11,140,000 $150,541
Under 20% 26 $800,000 $30,769
20-40% 20 $1,390,000 $69,500
40-60% 18 $1,960,000 $108,889
Over 100% 5 $1,585,000 $317,000

Maysville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 121 originations, totaling $20,045,000 in origination value.