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 7.05% for the week of 2024-06-13, compared to the national average of 6.95% for the same period.

The average rate for the prior week (2024-06-06) was 6.79% and one month ago for the week of 2024-05-09, the average rate was 7.29%.

Maysville's average rate one year ago was 6.81%.

For refis of the same type during the week of 2024-06-13, the average rate was 7.35%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-13 6.95%
Maysville 30 Year Fixed Rate 2024-06-13 7.05%
Maysville 30 Year Fixed Rate Refi 2024-06-13 7.35%
Maysville 15 Year Fixed Rate 2024-06-13 6.27%
Maysville 15 Year Fixed Rate Refi 2024-06-13 6.57%
Maysville 30 Year FHA 2024-06-13 6.51%
Maysville 30 Year FHA Refi 2024-06-13 6.71%
Maysville 30 Year USDA 2024-06-13 6.61%
Maysville 30 Year USDA Refi 2024-06-13 6.91%
Maysville 30 Year VA 2024-06-13 6.22%
Maysville 30 Year VA Refi 2024-06-13 6.42%
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
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
Maysville's median listing price for 2024-05-01 was $94,950, a difference of $-10,050 (-9.6%) versus the prior year and $-30,800 versus the prior month.

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

Maysville's average listing price for 2024-05-01 was $128,023, a difference of $-95,518 (-42.7%) versus the prior year and $-1,646 versus the prior month.

For the 2024-05-01 period, Maysville had 14 MLS listings, a difference of 2 listings (17%) versus the prior month and 0 listings (0%) 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
Maysville's median listing age (time on market) for 2024-05-01 was 0 days.

Maysville's median square footage for active listings during the 2024-05-01 period was 1,599 sqft. One year prior, the average listing was 1,500 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.