Mount Sterling 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 Mount Sterling averaged 7.16% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 7.21% and one month ago for the week of 2025-04-17, the average rate was 7.03%.

    Mount Sterling's average rate one year ago was 7.32%.

    For refis of the same type during the week of 2025-05-22, the average rate was 6.76%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Mount Sterling 30 Year Fixed Rate 2025-05-22 7.16%
    Mount Sterling 30 Year Fixed Rate Refi 2025-05-22 6.76%
    Mount Sterling 15 Year Fixed Rate 2025-05-22 6.21%
    Mount Sterling 15 Year Fixed Rate Refi 2025-05-22 6.51%
    Mount Sterling 30 Year FHA 2025-05-22 6.56%
    Mount Sterling 30 Year FHA Refi 2025-05-22 6.51%
    Mount Sterling 30 Year USDA 2025-05-22 6.53%
    Mount Sterling 30 Year USDA Refi 2025-05-22 6.63%
    Mount Sterling 30 Year VA 2025-05-22 6.62%
    Mount Sterling 30 Year VA Refi 2025-05-22 6.52%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Mount Sterling, KY.

    Mount Sterling 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 Mount Sterling, 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
    Traditional Bank, Inc. 22 7.07% $3,193
    QUICKEN LOANS, LLC 19 6.87% $6,140
    UNITED WHOLESALE MORTGAGE, LLC 10 7.04% $6,594
    Peoples Exchange Bank 10 7.02% $2,392
    Republic State Mortgage Co. 9 6.61% $7,730
    STOCKTON MORTGAGE CORPORATION 7 6.82% $6,297
    Community Trust Bank, Inc. 6 6.52% $2,317
    Whitaker Bank 6 6.58% $1,993
    Farm Credit Mid-America, ACA 5 7.30% $5,948
    U.S. Bank 5 7.27% $4,445
    NAVY FEDERAL CREDIT UNION 4 6.16% $6,972
    Central Bank 4 7.09% $2,437
    COMMONWEALTH 3 6.38% $2,326
    Stock Yards Bank & Trust Company 3 6.83% $3,047
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.91% $4,823
    Bank of England 3 7.46% $8,387
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 8.42% $6,972
    Truist 2 6.49% $3,325
    BROKER SOLUTIONS, INC. 2 8.06% $5,109
    CALCON MUTUAL MORTGAGE LLC 2 6.94% $5,077
    Century Mortgage Company DBA Century Lending Company 2 6.94% $3,185
    EVERETT FINANCIAL, INC. 2 7.06% $4,472
    Guardian Savings Bank, A Federal Savings Bank 2 7.19% $2,831
    LOANDEPOT.COM, LLC 2 6.93% $5,471
    Magnolia Bank 2 6.88% $8,810
    MEMBERS HERITAGE Credit Union 2 6.75% $4,530
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.75% $7,192
    Mr. Cooper ( Nationstar Mortgage ) 2 7.38% $7,047
    NBKC BANK 2 7.00% $4,574
    PARK COMMUNITY CREDIT UNION, INC. 2 7.13% $2,778
    Prosperity Home Mortgage, LLC 2 7.00% $3,671
    The Huntington National Bank 2 7.06% $4,019
    21ST MORTGAGE CORPORATION 2 10.03% $3,693
    UNION HOME MORTGAGE CORP. 2 6.88% $4,456
    Wells Fargo Bank 2 7.19% $7,015
    Old National Bank 1 6.38% $3,028
    ON Q FINANCIAL, INC. 1 7.63% $3,400
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.38% $4,372
    Peoples Bank 1 6.63% $4,461
    Flagstar Bank, FSB 1 6.75% $8,231
    PLAZA HOME MORTGAGE, INC. 1 7.50% $5,069
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.13% $5,109
    Fifth Third Bank 1 6.88% $4,028
    RELIANCE FIRST CAPITAL, LLC 1 7.13% $4,954
    Republic Bank & Trust Company 1 6.25% $5,076
    FBC MORTGAGE, LLC 1 5.88% $3,911
    ROYAL UNITED MORTGAGE LLC 1 7.38% $6,028
    RUOFF MORTGAGE COMPANY, INC. 1 6.38% $10,085
    GUILD MORTGAGE COMPANY 1 7.00% $3,128
    Ixonia Bank 1 6.63% $5,591
    JPMorgan Chase Bank 1 6.99% $4,762
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.99% $4,828
    DESCO 1 6.50% $2,263
    AMERISAVE MORTGAGE CORPORATION 1 7.13% $4,152
    City National Bank of West Virginia 1 6.45% $1,753
    ZILLOW HOME LOANS, LLC 1 6.75% $6,205
    GoPrime Mortgage, Inc. 1 7.25% $7,329
    AmeriHome Mortgage Company, LLC 1 6.99% $5,697
    North American Savings Bank, F.S.B. 1 7.25% $16,348
    Northpointe Bank 1 6.63% $4,076

    Mount Sterling Average Closing Costs & Other Stats

    Mount Sterling, KY's 60 lenders originated 881 loans during 2024. The total origination value was $140,935,000, with an average loan value of $159,972.

    Mount Sterling's average closing costs are $4,637.

    The top Mount Sterling lender as defined by loan originations is Traditional Bank, Inc., with 22 loans originated. Their average total fees are $3,193, which is $2,947 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Mount Sterling lenders (with over 10 loans originated) are Peoples Exchange Bank ($2,392), Traditional Bank, Inc. ($3,193), QUICKEN LOANS, LLC ($6,140), UNITED WHOLESALE MORTGAGE, LLC ($6,594) and .

    The lowest rate Mount Sterling lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.87%), Peoples Exchange Bank (7.02%), UNITED WHOLESALE MORTGAGE, LLC (7.04%), Traditional Bank, Inc. (7.07%) and .

    Mount Sterling, 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
    Traditional Bank, Inc. $14,375,000 $15,155,000 5.4% 10.8%
    Peoples Exchange Bank $2,800,000 $11,020,000 293.6% 7.8%
    Republic State Mortgage Co. $8,740,000 $9,120,000 4.3% 6.5%
    QUICKEN LOANS, LLC $6,750,000 $8,030,000 19.0% 5.7%
    Community Trust Bank, Inc. $7,025,000 $6,715,000 -4.4% 4.8%
    Mortgage Research Center, LLC $4,665,000 $6,510,000 39.5% 4.6%
    UNITED WHOLESALE MORTGAGE, LLC $1,565,000 $5,270,000 236.7% 3.7%
    UNION HOME MORTGAGE CORP. $5,965,000 $4,275,000 -28.3% 3.0%
    STOCKTON MORTGAGE CORPORATION $2,330,000 $3,900,000 67.4% 2.8%
    Whitaker Bank $3,785,000 $3,620,000 -4.4% 2.6%
    VANDERBILT MORTGAGE AND FINANCE, INC. $3,680,000 $2,760,000 -25.0% 2.0%
    Stock Yards Bank & Trust Company $2,440,000 $2,690,000 10.2% 1.9%
    Farm Credit Mid-America, ACA $2,080,000 $2,540,000 22.1% 1.8%
    U.S. Bank $1,000,000 $2,505,000 150.5% 1.8%
    Bank of England $1,090,000 $2,465,000 126.1% 1.7%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,715,000 $1,940,000 -28.5% 1.4%
    BROKER SOLUTIONS, INC. $300,000 $1,905,000 535.0% 1.4%
    FREEDOM MORTGAGE CORPORATION $750,000 $1,840,000 145.3% 1.3%
    Mr. Cooper ( Nationstar Mortgage ) $770,000 $1,775,000 130.5% 1.3%
    UNIVERSITY OF KENTUCKY $495,000 $1,735,000 250.5% 1.2%
    Prosperity Home Mortgage, LLC $1,095,000 $1,610,000 47.0% 1.1%
    EVERETT FINANCIAL, INC. $490,000 $1,455,000 196.9% 1.0%
    CROSSCOUNTRY MORTGAGE, LLC $510,000 $1,315,000 157.8% 0.9%
    NAVY FEDERAL CREDIT UNION $385,000 $1,200,000 211.7% 0.9%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $85,000 $1,145,000 1,247.1% 0.8%
    PENNYMAC LOAN SERVICES, LLC $865,000 $1,125,000 30.1% 0.8%
    LOANDEPOT.COM, LLC $285,000 $1,085,000 280.7% 0.8%
    21ST MORTGAGE CORPORATION $630,000 $1,050,000 66.7% 0.7%
    Central Bank $530,000 $995,000 87.7% 0.7%
    Fifth Third Bank $340,000 $945,000 177.9% 0.7%
    T2 FINANCIAL LLC $940,000 n/a 0.7%
    COMMONWEALTH $1,155,000 $880,000 -23.8% 0.6%
    Guardian Savings Bank, A Federal Savings Bank $620,000 $815,000 31.5% 0.6%
    NEWREZ LLC $1,140,000 $810,000 -28.9% 0.6%
    DAS Acquisition Company, LLC $525,000 $710,000 35.2% 0.5%
    GENEVA FINANCIAL, LLC $2,450,000 $700,000 -71.4% 0.5%
    PLANET HOME LENDING, LLC $105,000 $660,000 528.6% 0.5%
    Carrington Mortgage Services, LLC $560,000 $615,000 9.8% 0.4%
    First Grayson Bank $635,000 $570,000 -10.2% 0.4%
    Magnolia Bank $570,000 n/a 0.4%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $300,000 $560,000 86.7% 0.4%
    Equity Prime Mortgage LLC $350,000 $545,000 55.7% 0.4%
    City National Bank of West Virginia $2,395,000 $535,000 -77.7% 0.4%
    MEMBERS HERITAGE Credit Union $520,000 $520,000 0.0% 0.4%
    VILLAGE CAPITAL MORTGAGE $330,000 $490,000 48.5% 0.3%
    RUOFF MORTGAGE COMPANY, INC. $170,000 $480,000 182.4% 0.3%
    Bank of Lexington, Inc. $475,000 n/a 0.3%
    ZILLOW HOME LOANS, LLC $125,000 $475,000 280.0% 0.3%
    NEW DAY FINANCIAL, LLC $610,000 $465,000 -23.8% 0.3%
    The Farmers Bank $465,000 n/a 0.3%
    MID AMERICA MORTGAGE, INC. $440,000 n/a 0.3%
    The Huntington National Bank $75,000 $435,000 480.0% 0.3%
    Ixonia Bank $430,000 n/a 0.3%
    Truist $275,000 $430,000 56.4% 0.3%
    North American Savings Bank, F.S.B. $415,000 n/a 0.3%
    GoPrime Mortgage, Inc. $635,000 $410,000 -35.4% 0.3%
    SWBC MORTGAGE CORPORATION $410,000 n/a 0.3%
    FirstBank $65,000 $400,000 515.4% 0.3%
    Wells Fargo Bank $105,000 $390,000 271.4% 0.3%
    Northpointe Bank $510,000 $385,000 -24.5% 0.3%
    JPMorgan Chase Bank $1,140,000 $380,000 -66.7% 0.3%
    Century Mortgage Company DBA Century Lending Company $1,420,000 $375,000 -73.6% 0.3%
    First Financial Bank $185,000 $375,000 102.7% 0.3%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $365,000 n/a 0.3%
    First Guaranty Bank $355,000 n/a 0.3%
    NORWICH COMMERCIAL GROUP, INC. $345,000 n/a 0.2%
    Peoples Bank $130,000 $345,000 165.4% 0.2%
    Paramount Residential Mortgage Group, Inc. $340,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $195,000 $340,000 74.4% 0.2%
    AMERISAVE MORTGAGE CORPORATION $630,000 $335,000 -46.8% 0.2%
    Wilson & Muir Bank & Trust Company $335,000 n/a 0.2%
    TOP FLITE FINANCIAL, INC. $330,000 n/a 0.2%
    DESCO $325,000 n/a 0.2%
    Forcht Bank $275,000 n/a 0.2%
    HOMESIDE FINANCIAL, LLC $1,000,000 $275,000 -72.5% 0.2%
    Plains Commerce Bank $275,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $475,000 $270,000 -43.2% 0.2%
    AmRes Corporation $265,000 n/a 0.2%
    Barrington Bank & Trust Company, N.A. $355,000 $255,000 -28.2% 0.2%
    PARK COMMUNITY CREDIT UNION, INC. $460,000 $245,000 -46.7% 0.2%
    Citizens Bank $220,000 $230,000 4.5% 0.2%
    Republic Bank & Trust Company $225,000 n/a 0.2%
    USAA Federal Savings Bank $445,000 $225,000 -49.4% 0.2%
    NBKC BANK $195,000 $220,000 12.8% 0.2%
    RESIDENTIAL BANCORP $220,000 n/a 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $145,000 $220,000 51.7% 0.2%
    CALCON MUTUAL MORTGAGE LLC $200,000 n/a 0.1%
    Old National Bank $195,000 n/a 0.1%
    SOUTH CENTRAL BANK, INC. $780,000 $195,000 -75.0% 0.1%
    BAY EQUITY LLC $185,000 n/a 0.1%
    FBC MORTGAGE, LLC $185,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $300,000 $180,000 -40.0% 0.1%
    Flagstar Bank, FSB $525,000 $175,000 -66.7% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $690,000 $175,000 -74.6% 0.1%
    Citizens Bank of Kentucky, Inc. $165,000 n/a 0.1%
    DEEPHAVEN MORTGAGE LLC $165,000 n/a 0.1%
    TJC Mortgage, Inc. $165,000 n/a 0.1%
    GUILD MORTGAGE COMPANY $155,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $245,000 $155,000 -36.7% 0.1%
    CARDINAL FINANCIAL $735,000 $145,000 -80.3% 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $145,000 n/a 0.1%
    AmeriHome Mortgage Company, LLC $145,000 $135,000 -6.9% 0.1%
    PLAZA HOME MORTGAGE, INC. $135,000 n/a 0.1%
    EVANSVILLE TEACHERS $275,000 $130,000 -52.7% 0.1%
    SUCCESS MORTGAGE PARTNERS, INC. $200,000 $125,000 -37.5% 0.1%
    Discover Bank $160,000 $120,000 -25.0% 0.1%
    ON Q FINANCIAL, INC. $115,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $320,000 $115,000 -64.1% 0.1%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $85,000 n/a 0.1%
    CMG MORTGAGE, INC. $395,000 $85,000 -78.5% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.1%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $75,000 n/a 0.1%
    L & N Federal Credit Union $75,000 n/a 0.1%
    Nations Lending Corporation $105,000 $75,000 -28.6% 0.1%
    MYCUMORTGAGE, LLC $55,000 n/a 0.0%
    PNC Bank $840,000 $25,000 -97.0% 0.0%
    Coastal Community Bank $35,000 $15,000 -57.1% 0.0%

    Mount Sterling's top lender by overall market share is Traditional Bank, Inc., with 10.8% market share. In second place, with 7.8%, is Peoples Exchange Bank, having originated $11,020,000 in loans. In third place, with 6.5%, is Republic State Mortgage Co., having originated $9,120,000 in loans. In fourth place, with 5.7%, is QUICKEN LOANS, LLC, having originated $8,030,000 in loans. In fifth place, with 4.8%, is Community Trust Bank, Inc., having originated $6,715,000 in loans.

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

    Realtor.com - Mount Sterling (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 $125,700 (-6.9%) $153,493 (-5.3%) 0.00 148
    2018-02-01 $124,425 (-5.0%) $149,318 (-7.0%) 0.00 144
    2018-03-01 $124,900 (-7.7%) $147,516 (-8.4%) 0.00 150
    2018-04-01 $132,250 (-4.7%) $154,668 (-7.4%) 0.00 146
    2018-05-01 $142,449 (3.3%) $158,037 (-5.8%) 0.00 141
    2018-06-01 $149,000 (14.8%) $160,215 (-0.5%) 0.00 151
    2018-07-01 $148,500 (18.9%) $166,408 (9.6%) 0.00 161
    2018-08-01 $149,800 (23.9%) $171,573 (15.5%) 0.00 149
    2018-09-01 $149,900 (24.9%) $172,147 (14.2%) 0.00 155
    2018-10-01 $149,900 (20.0%) $168,094 (9.1%) 0.00 158
    2018-11-01 $148,500 (12.9%) $171,059 (8.0%) 0.00 145
    2018-12-01 $149,900 (18.0%) $172,199 (10.8%) 0.00 149
    2019-01-01 $145,000 (15.4%) $168,584 (9.8%) 0.00 134
    2019-02-01 $157,950 (26.9%) $176,586 (18.3%) 0.00 130
    2019-03-01 $159,214 (27.5%) $184,772 (25.3%) 0.00 130
    2019-04-01 $152,964 (15.7%) $185,386 (19.9%) 0.00 133
    2019-05-01 $145,000 (1.8%) $185,438 (17.3%) 0.00 144
    2019-06-01 $144,000 (-3.4%) $181,729 (13.4%) 0.00 147
    2019-07-01 $144,500 (-2.7%) $179,006 (7.6%) 0.00 146
    2019-08-01 $148,564 (-0.8%) $184,186 (7.4%) 0.00 140
    2019-09-01 $146,559 (-2.2%) $179,382 (4.2%) 0.00 138
    2019-10-01 $147,673 (-1.5%) $177,007 (5.3%) 0.00 137
    2019-11-01 $152,500 (2.7%) $176,821 (3.4%) 0.00 124
    2019-12-01 $146,750 (-2.1%) $171,738 (-0.3%) 0.00 112
    2020-01-01 $149,700 (3.2%) $177,367 (5.2%) 0.00 107
    2020-02-01 $152,450 (-3.5%) $181,015 (2.5%) 0.00 105
    2020-03-01 $143,250 (-10.0%) $178,945 (-3.2%) 0.00 108
    2020-04-01 $146,175 (-4.4%) $184,298 (-0.6%) 0.00 98
    2020-05-01 $140,450 (-3.1%) $188,682 (1.8%) 0.00 79
    2020-06-01 $151,850 (5.5%) $202,494 (11.4%) 0.00 74
    2020-07-01 $143,450 (-0.7%) $196,947 (10.0%) 0.00 74
    2020-08-01 $149,900 (0.9%) $211,987 (15.1%) 0.00 67
    2020-09-01 $167,000 (14.0%) $223,630 (24.7%) 0.00 76
    2020-10-01 $176,000 (19.2%) $236,026 (33.3%) 0.00 72
    2020-11-01 $181,250 (18.9%) $238,689 (35.0%) 0.00 61
    2020-12-01 $197,750 (34.8%) $244,205 (42.2%) 0.00 47
    2021-01-01 $204,950 (36.9%) $263,090 (48.3%) 0.00 46
    2021-02-01 $189,950 (24.6%) $273,257 (51.0%) 0.00 44
    2021-03-01 $198,225 (38.4%) $273,991 (53.1%) 0.00 40
    2021-04-01 $190,000 (30.0%) $265,706 (44.2%) 0.00 37
    2021-05-01 $177,000 (26.0%) $278,833 (47.8%) 0.00 34
    2021-06-01 $182,425 (20.1%) $279,407 (38.0%) 0.00 38
    2021-07-01 $202,450 (41.1%) $286,019 (45.2%) 0.00 47
    2021-08-01 $227,225 (51.6%) $278,313 (31.3%) 0.00 55
    2021-09-01 $207,250 (24.1%) $255,661 (14.3%) 0.00 68
    2021-10-01 $196,500 (11.7%) $246,172 (4.3%) 0.00 69
    2021-11-01 $223,500 (23.3%) $262,329 (9.9%) 0.00 70
    2021-12-01 $224,725 (13.6%) $260,020 (6.5%) 0.00 63
    2022-01-01 $207,250 (1.1%) $246,776 (-6.2%) 0.00 53
    2022-02-01 $215,475 (13.4%) $244,137 (-10.7%) 0.00 38
    2022-03-01 $232,500 (17.3%) $252,248 (-7.9%) 0.00 39
    2022-04-01 $222,500 (17.1%) $247,896 (-6.7%) 0.00 51
    2022-05-01 $227,450 (28.5%) $243,157 (-12.8%) 0.00 64
    2022-06-01 $224,975 (23.3%) $263,545 (-5.7%) 0.00 76
    2022-07-01 $219,000 (8.2%) $261,455 (-8.6%) 0.00 91
    2022-08-01 $225,000 (-1.0%) $293,352 (5.4%) 0.00 93
    2022-09-01 $226,225 (9.2%) $292,795 (14.5%) 0.00 93
    2022-10-01 $230,000 (17.1%) $293,620 (19.3%) 0.00 89
    2022-11-01 $213,350 (-4.5%) $299,073 (14.0%) 0.00 86
    2022-12-01 $220,000 (-2.1%) $299,107 (15.0%) 0.00 81
    2023-01-01 $224,750 (8.4%) $307,006 (24.4%) 0.00 82
    2023-02-01 $236,000 (9.5%) $319,307 (30.8%) 0.00 73
    2023-03-01 $249,500 (7.3%) $366,582 (45.3%) 0.00 58
    2023-04-01 $249,700 (12.2%) $352,320 (42.1%) 0.00 62
    2023-05-01 $249,500 (9.7%) $332,625 (36.8%) 0.00 68
    2023-06-01 $240,225 (6.8%) $320,394 (21.6%) 0.00 69
    2023-07-01 $214,900 (-1.9%) $311,530 (19.2%) 0.00 75
    2023-08-01 $204,950 (-8.9%) $293,654 (0.1%) 0.00 92
    2023-09-01 $217,450 (-3.9%) $277,098 (-5.4%) 0.00 93
    2023-10-01 $240,225 (4.5%) $283,765 (-3.4%) 0.00 111
    2023-11-01 $235,000 (10.2%) $284,214 (-5.0%) 0.00 121
    2023-12-01 $237,000 (7.7%) $283,968 (-5.1%) 0.00 119
    2024-01-01 $243,700 (8.4%) $289,423 (-5.7%) 0.00 103
    2024-02-01 $245,000 (3.8%) $295,226 (-7.5%) 0.00 110
    2024-03-01 $235,000 (-5.8%) $290,997 (-20.6%) 0.00 102
    2024-04-01 $243,675 (-2.4%) $296,606 (-15.8%) 0.00 99
    2024-05-01 $263,250 (5.5%) $327,650 (-1.5%) 0.00 107
    2024-06-01 $250,000 (4.1%) $314,105 (-2.0%) 0.00 109
    2024-07-01 $242,500 (12.8%) $306,910 (-1.5%) 0.00 133
    2024-08-01 $242,500 (18.3%) $315,608 (7.5%) 0.00 130
    2024-09-01 $239,900 (10.3%) $298,359 (7.7%) 0.00 145
    2024-10-01 $246,250 (2.5%) $294,527 (3.8%) 0.00 160
    2024-11-01 $250,000 (6.4%) $300,707 (5.8%) 0.00 172
    2024-12-01 $249,500 (5.3%) $285,886 (0.7%) 0.00 147
    2025-01-01 $249,800 (2.5%) $285,972 (-1.2%) 0.00 138
    2025-02-01 $254,900 (4.0%) $285,690 (-3.2%) 0.00 121
    2025-03-01 $251,750 (7.1%) $288,567 (-0.8%) 0.00 121
    2025-04-01 $257,450 (5.7%) $323,614 (9.1%) 0.00 136
    Mount Sterling's median listing price for 2025-04-01 was $257,450, a difference of $13,775 (5.7%) versus the prior year and $5,700 versus the prior month.

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

    Mount Sterling's average listing price for 2025-04-01 was $323,614, a difference of $27,008 (9.1%) versus the prior year and $35,047 versus the prior month.

    For the 2025-04-01 period, Mount Sterling had 136 MLS listings, a difference of 15 listings (12%) versus the prior month and 37 listings (37%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Mount Sterling (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,463 sqft
    2018-02-01 0 days 1,501 sqft
    2018-03-01 0 days 1,560 sqft
    2018-04-01 0 days 1,596 sqft
    2018-05-01 0 days 1,600 sqft
    2018-06-01 0 days 1,600 sqft
    2018-07-01 0 days 1,627 sqft
    2018-08-01 0 days 1,720 sqft
    2018-09-01 0 days 1,674 sqft
    2018-10-01 0 days 1,614 sqft
    2018-11-01 0 days 1,592 sqft
    2018-12-01 0 days 1,586 sqft
    2019-01-01 0 days 1,620 sqft
    2019-02-01 0 days 1,680 sqft
    2019-03-01 0 days 1,680 sqft
    2019-04-01 0 days 1,680 sqft
    2019-05-01 0 days 1,680 sqft
    2019-06-01 0 days 1,650 sqft
    2019-07-01 0 days 1,607 sqft
    2019-08-01 0 days 1,636 sqft
    2019-09-01 0 days 1,616 sqft
    2019-10-01 0 days 1,602 sqft
    2019-11-01 0 days 1,600 sqft
    2019-12-01 0 days 1,646 sqft
    2020-01-01 0 days 1,605 sqft
    2020-02-01 0 days 1,670 sqft
    2020-03-01 0 days 1,626 sqft
    2020-04-01 0 days 1,584 sqft
    2020-05-01 0 days 1,684 sqft
    2020-06-01 0 days 1,678 sqft
    2020-07-01 0 days 1,638 sqft
    2020-08-01 0 days 1,633 sqft
    2020-09-01 0 days 1,664 sqft
    2020-10-01 0 days 1,738 sqft
    2020-11-01 0 days 1,744 sqft
    2020-12-01 0 days 1,779 sqft
    2021-01-01 0 days 1,900 sqft
    2021-02-01 0 days 1,692 sqft
    2021-03-01 0 days 1,733 sqft
    2021-04-01 0 days 1,633 sqft
    2021-05-01 0 days 1,600 sqft
    2021-06-01 0 days 1,684 sqft
    2021-07-01 0 days 1,756 sqft
    2021-08-01 0 days 1,812 sqft
    2021-09-01 0 days 1,770 sqft
    2021-10-01 0 days 1,588 sqft
    2021-11-01 0 days 1,806 sqft
    2021-12-01 0 days 1,791 sqft
    2022-01-01 0 days 1,605 sqft
    2022-02-01 0 days 1,634 sqft
    2022-03-01 0 days 1,800 sqft
    2022-04-01 0 days 1,687 sqft
    2022-05-01 0 days 1,769 sqft
    2022-06-01 0 days 1,624 sqft
    2022-07-01 0 days 1,560 sqft
    2022-08-01 0 days 1,620 sqft
    2022-09-01 0 days 1,713 sqft
    2022-10-01 0 days 1,701 sqft
    2022-11-01 0 days 1,677 sqft
    2022-12-01 0 days 1,680 sqft
    2023-01-01 0 days 1,770 sqft
    2023-02-01 0 days 1,715 sqft
    2023-03-01 0 days 1,695 sqft
    2023-04-01 0 days 1,822 sqft
    2023-05-01 0 days 1,780 sqft
    2023-06-01 0 days 1,709 sqft
    2023-07-01 0 days 1,560 sqft
    2023-08-01 0 days 1,493 sqft
    2023-09-01 0 days 1,500 sqft
    2023-10-01 0 days 1,533 sqft
    2023-11-01 0 days 1,521 sqft
    2023-12-01 0 days 1,533 sqft
    2024-01-01 0 days 1,536 sqft
    2024-02-01 0 days 1,495 sqft
    2024-03-01 0 days 1,474 sqft
    2024-04-01 0 days 1,526 sqft
    2024-05-01 0 days 1,536 sqft
    2024-06-01 0 days 1,532 sqft
    2024-07-01 0 days 1,500 sqft
    2024-08-01 0 days 1,500 sqft
    2024-09-01 0 days 1,459 sqft
    2024-10-01 0 days 1,478 sqft
    2024-11-01 0 days 1,482 sqft
    2024-12-01 0 days 1,490 sqft
    2025-01-01 0 days 1,492 sqft
    2025-02-01 0 days 1,529 sqft
    2025-03-01 0 days 1,518 sqft
    2025-04-01 0 days 1,600 sqft
    Mount Sterling's median listing age (time on market) for 2025-04-01 was 0 days.

    Mount Sterling's median square footage for active listings during the 2025-04-01 period was 1,600 sqft. One year prior, the average listing was 1,526 sqft.

    Mount Sterling, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 485 $95,155,000 $196,196
    Refi 143 $19,765,000 $138,217
    Cash Out Refi 90 $14,060,000 $156,222
    Home Improvement 87 $5,915,000 $67,989
    Other 76 $6,040,000 $79,474

    Mount Sterling's most frequently cited loan purpose was Home Purchase, with 485 originations. The 2nd most popular reason was Refi, with 143 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 315 $69,015,000 $219,095
    Over 8% 212 $18,320,000 $86,415
    7-8% 183 $30,265,000 $165,383
    5-6% 73 $13,985,000 $191,575
    3-4% 25 $265,000 $10,600
    2.5-3% 5 $485,000 $97,000
    4-5% 2 $580,000 $290,000
    <2.5% 1 $5,000 $5,000

    During 2024, Mount Sterling's most frequently originated rate bucket was 6-7%, with 315 originations.

    Loan Sizing (Mount Sterling, KY MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 322 $17,300,000 $53,727
    $100k-200k 319 $47,085,000 $147,602
    $200k-400k 208 $54,500,000 $262,019
    $400k-600k 27 $12,645,000 $468,333
    $600k-1000k 4 $2,840,000 $710,000
    $Over $1MM 1 $6,565,000 $6,565,000

    Mount Sterling's loan sizing saw the bucket of loans from $100,000 or less with 322 originations, totaling $17,300,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 330 $66,760,000 $202,303
    60-80% 141 $32,795,000 $232,589
    20-40% 134 $10,490,000 $78,284
    Under 20% 101 $3,465,000 $34,307
    40-60% 71 $10,165,000 $143,169
    Over 100% 23 $5,405,000 $235,000

    Mount Sterling's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 330 originations, totaling $66,760,000 in origination value.