Murray Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Murray averaged 7.07% 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 6.82% and one month ago for the week of 2025-04-17, the average rate was 7.24%.

    Murray's average rate one year ago was 7.43%.

    For refis of the same type during the week of 2025-05-22, the average rate was 6.86%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Murray 30 Year Fixed Rate 2025-05-22 7.07%
    Murray 30 Year Fixed Rate Refi 2025-05-22 6.86%
    Murray 15 Year Fixed Rate 2025-05-22 6.01%
    Murray 15 Year Fixed Rate Refi 2025-05-22 6.11%
    Murray 30 Year FHA 2025-05-22 6.81%
    Murray 30 Year FHA Refi 2025-05-22 6.71%
    Murray 30 Year USDA 2025-05-22 6.53%
    Murray 30 Year USDA Refi 2025-05-22 6.63%
    Murray 30 Year VA 2025-05-22 6.72%
    Murray 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 Murray, KY.

    Murray 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 Murray, 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
    UNITED WHOLESALE MORTGAGE, LLC 19 6.71% $4,504
    UNION HOME MORTGAGE CORP. 16 6.78% $3,461
    Magnolia Bank 10 6.92% $4,481
    U.S. Bank 7 6.57% $3,532
    Truist 7 6.68% $3,511
    GERSHMAN INVESTMENT CORP. 7 7.11% $4,075
    QUICKEN LOANS, LLC 7 6.59% $6,347
    Independence Bank of Kentucky 6 7.19% $2,759
    STOCKTON MORTGAGE CORPORATION 4 6.84% $5,790
    ENDEAVOR CAPITAL, LLC. 3 6.66% $4,663
    FIRST COMMUNITY MORTGAGE, INC. 3 8.71% $4,397
    Wells Fargo Bank 3 6.75% $5,370
    Old National Bank 2 7.00% $3,438
    NAVY FEDERAL CREDIT UNION 2 6.69% $3,872
    LEADERONE FINANCIAL CORPORATION 2 6.56% $5,432
    RUOFF MORTGAGE COMPANY, INC. 2 6.63% $1,925
    MYCUMORTGAGE, LLC 2 6.75% $4,411
    Regions Bank 2 6.56% $4,418
    FirstBank 2 7.00% $7,888
    CMG MORTGAGE, INC. 2 6.63% $4,964
    ZILLOW HOME LOANS, LLC 1 7.63% $4,249
    Century Mortgage Company DBA Century Lending Company 1 6.99% $4,785
    Commerce Home Mortgage, Inc. 1 7.88% $14,165
    CORNERSTONE HOME LENDING, INC. 1 7.13% $3,941
    Eagle Bank and Trust Company 1 7.50% $3,639
    ENVOY MORTGAGE, LTD 1 7.38% $5,241
    EVERETT FINANCIAL, INC. 1 7.50% $14,373
    FirstTrust Home Loans, Inc. 1 7.12% $9,183
    FLAT BRANCH MORTGAGE, INC. 1 6.88% $3,093
    GUILD MORTGAGE COMPANY 1 6.38% $8,242
    INTERLINC MORTGAGE SERVICES, LLC 1 7.49% $6,075
    JPMorgan Chase Bank 1 6.88% $3,456
    MORTGAGE INVESTORS GROUP, INC. 1 7.38% $3,330
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $4,055
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.88% $8,335
    The Bank of New Glarus 1 6.88% $1,678
    The Federal Savings Bank 1 7.25% $4,090
    United Bank of Union 1 6.88% $2,781
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.75% $8,184
    AMERISAVE MORTGAGE CORPORATION 1 7.13% $6,342

    Murray Average Closing Costs & Other Stats

    Murray, KY's 40 lenders originated 412 loans during 2024. The total origination value was $76,220,000, with an average loan value of $185,000.

    Murray's average closing costs are $4,362.

    The top Murray lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 19 loans originated. Their average total fees are $4,504, which is $1,043 higher than the next largest lender, UNION HOME MORTGAGE CORP..

    The lowest fee Murray lenders (with over 10 loans originated) are UNION HOME MORTGAGE CORP. ($3,461), Magnolia Bank ($4,481), UNITED WHOLESALE MORTGAGE, LLC ($4,504), .

    The lowest rate Murray lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.71%), UNION HOME MORTGAGE CORP. (6.78%), Magnolia Bank (6.92%), .

    Murray, 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
    UNITED WHOLESALE MORTGAGE, LLC $4,060,000 $6,930,000 70.7% 9.1%
    UNION HOME MORTGAGE CORP. $5,490,000 n/a 7.2%
    Independence Bank of Kentucky $5,060,000 $4,610,000 -8.9% 6.0%
    QUICKEN LOANS, LLC $3,425,000 $4,240,000 23.8% 5.6%
    U.S. Bank $2,920,000 $3,650,000 25.0% 4.8%
    FNB Bank, Inc. $5,015,000 $3,375,000 -32.7% 4.4%
    Mortgage Research Center, LLC $1,495,000 $3,180,000 112.7% 4.2%
    Magnolia Bank $2,215,000 $2,895,000 30.7% 3.8%
    STOCKTON MORTGAGE CORPORATION $660,000 $2,795,000 323.5% 3.7%
    Regions Bank $3,735,000 $2,635,000 -29.5% 3.5%
    GERSHMAN INVESTMENT CORP. $3,000,000 $2,205,000 -26.5% 2.9%
    Truist $980,000 $2,105,000 114.8% 2.8%
    Arbor Realty Trust, Inc. $2,275,000 $2,055,000 -9.7% 2.7%
    FirstBank $205,000 $1,410,000 587.8% 1.8%
    FREEDOM MORTGAGE CORPORATION $1,440,000 $1,410,000 -2.1% 1.8%
    NAVY FEDERAL CREDIT UNION $2,310,000 $1,375,000 -40.5% 1.8%
    Wells Fargo Bank $1,110,000 $1,300,000 17.1% 1.7%
    INTERLINC MORTGAGE SERVICES, LLC $980,000 n/a 1.3%
    FIRST COMMUNITY MORTGAGE, INC. $600,000 $965,000 60.8% 1.3%
    RiverHills Bank $845,000 n/a 1.1%
    FirstTrust Home Loans, Inc. $6,480,000 $745,000 -88.5% 1.0%
    ENDEAVOR CAPITAL, LLC. $215,000 $700,000 225.6% 0.9%
    21ST MORTGAGE CORPORATION $335,000 $660,000 97.0% 0.9%
    MYCUMORTGAGE, LLC $650,000 n/a 0.9%
    AMERICAN FINANCIAL RESOURCES, INC. $615,000 n/a 0.8%
    RUOFF MORTGAGE COMPANY, INC. $470,000 $615,000 30.9% 0.8%
    Old National Bank $1,005,000 $525,000 -47.8% 0.7%
    NEWREZ LLC $105,000 $490,000 366.7% 0.6%
    The Federal Savings Bank $285,000 $490,000 71.9% 0.6%
    BROKER SOLUTIONS, INC. $105,000 $470,000 347.6% 0.6%
    LEADERONE FINANCIAL CORPORATION $295,000 $450,000 52.5% 0.6%
    VILLAGE CAPITAL MORTGAGE $390,000 $430,000 10.3% 0.6%
    EVERETT FINANCIAL, INC. $745,000 $425,000 -43.0% 0.6%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $405,000 n/a 0.5%
    CMG MORTGAGE, INC. $115,000 $400,000 247.8% 0.5%
    First Southern National Bank $400,000 n/a 0.5%
    TOP FLITE FINANCIAL, INC. $320,000 $400,000 25.0% 0.5%
    First Federal Bank $255,000 $365,000 43.1% 0.5%
    F&M Bank $625,000 $360,000 -42.4% 0.5%
    First Financial Bank $555,000 $340,000 -38.7% 0.4%
    Century Mortgage Company DBA Century Lending Company $335,000 n/a 0.4%
    GUARANTEED RATE, INC. $210,000 $325,000 54.8% 0.4%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $305,000 n/a 0.4%
    Bank of England $305,000 n/a 0.4%
    Eagle Bank and Trust Company $305,000 n/a 0.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $190,000 $305,000 60.5% 0.4%
    POLARIS HOME FUNDING CORP. $435,000 $300,000 -31.0% 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $575,000 $300,000 -47.8% 0.4%
    FIRST SOUTHERN BANK $295,000 n/a 0.4%
    PHH Mortgage Corporation $295,000 n/a 0.4%
    Commerce Home Mortgage, Inc. $265,000 n/a 0.3%
    GUILD MORTGAGE COMPANY $265,000 n/a 0.3%
    Farm Credit Mid-America, ACA $480,000 $260,000 -45.8% 0.3%
    JPMorgan Chase Bank $265,000 $260,000 -1.9% 0.3%
    AMERISAVE MORTGAGE CORPORATION $435,000 $250,000 -42.5% 0.3%
    Discover Bank $350,000 $250,000 -28.6% 0.3%
    CLEARPATH LENDING $195,000 $245,000 25.6% 0.3%
    Alliance Bank $255,000 $230,000 -9.8% 0.3%
    AmeriHome Mortgage Company, LLC $225,000 n/a 0.3%
    Citizens Bank $225,000 n/a 0.3%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $225,000 n/a 0.3%
    MID AMERICA MORTGAGE, INC. $885,000 $225,000 -74.6% 0.3%
    PNC Bank $225,000 n/a 0.3%
    SUCCESS MORTGAGE PARTNERS, INC. $215,000 n/a 0.3%
    MORTGAGE INVESTORS GROUP, INC. $175,000 n/a 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $170,000 n/a 0.2%
    Commercial Bank & Trust Co. $165,000 n/a 0.2%
    PENNYMAC LOAN SERVICES, LLC $195,000 $155,000 -20.5% 0.2%
    PLANET HOME LENDING, LLC $155,000 n/a 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $445,000 $150,000 -66.3% 0.2%
    Prosperity Home Mortgage, LLC $145,000 $145,000 0.0% 0.2%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $360,000 $135,000 -62.5% 0.2%
    TOWNE MORTGAGE COMPANY $135,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $135,000 n/a 0.2%
    OCEANSIDE MORTGAGE COMPANY $125,000 n/a 0.2%
    The Bank of New Glarus $125,000 n/a 0.2%
    ALLIANT CREDIT UNION $105,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $270,000 $105,000 -61.1% 0.1%
    Peoples National Bank , N.A. $105,000 n/a 0.1%
    ENVOY MORTGAGE, LTD $195,000 $95,000 -51.3% 0.1%
    First Citizens National Bank $35,000 $95,000 171.4% 0.1%
    Transportation Federal Credit Union $95,000 n/a 0.1%
    United Bank of Union $95,000 n/a 0.1%
    Coastal Community Bank $45,000 $90,000 100.0% 0.1%
    FLAT BRANCH MORTGAGE, INC. $445,000 $85,000 -80.9% 0.1%
    CORNERSTONE HOME LENDING, INC. $75,000 n/a 0.1%
    LOANDEPOT.COM, LLC $760,000 $75,000 -90.1% 0.1%
    USAlliance Federal Credit Union $75,000 n/a 0.1%
    Bank of America $155,000 $55,000 -64.5% 0.1%
    RESIDENTIAL BANCORP $55,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $435,000 $55,000 -87.4% 0.1%
    Carroll Bank and Trust $45,000 n/a 0.1%
    COMMONWEALTH $45,000 n/a 0.1%
    FIELD & MAIN BANK, INC. $25,000 n/a 0.0%
    Fifth Third Bank $345,000 $15,000 -95.7% 0.0%

    Murray's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 9.1% market share. In second place, with 7.2%, is UNION HOME MORTGAGE CORP., having originated $5,490,000 in loans. In third place, with 6.0%, is Independence Bank of Kentucky, having originated $4,610,000 in loans. In fourth place, with 5.6%, is QUICKEN LOANS, LLC, having originated $4,240,000 in loans. In fifth place, with 4.8%, is U.S. Bank, having originated $3,650,000 in loans.

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

    Realtor.com - Murray (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 $171,575 (4.3%) $240,022 (-3.6%) 0.00 193
    2018-02-01 $178,250 (5.3%) $248,314 (-5.0%) 0.00 181
    2018-03-01 $169,450 (-8.5%) $245,490 (-9.1%) 0.00 202
    2018-04-01 $170,000 (-6.9%) $242,837 (-7.6%) 0.00 230
    2018-05-01 $168,750 (-9.8%) $241,861 (-8.3%) 0.00 240
    2018-06-01 $169,900 (-12.3%) $244,380 (-8.9%) 0.00 231
    2018-07-01 $179,225 (-10.3%) $242,195 (-10.5%) 0.00 229
    2018-08-01 $181,200 (-3.8%) $242,618 (-6.9%) 0.00 233
    2018-09-01 $189,000 (1.0%) $249,019 (-4.4%) 0.00 228
    2018-10-01 $190,950 (4.6%) $252,500 (-2.0%) 0.00 218
    2018-11-01 $190,175 (7.8%) $250,809 (-0.4%) 0.00 210
    2018-12-01 $189,900 (5.8%) $257,420 (5.6%) 0.00 192
    2019-01-01 $189,900 (10.7%) $256,261 (6.8%) 0.00 186
    2019-02-01 $182,475 (2.4%) $251,678 (1.4%) 0.00 184
    2019-03-01 $182,643 (7.8%) $248,677 (1.3%) 0.00 200
    2019-04-01 $184,900 (8.8%) $248,139 (2.2%) 0.00 221
    2019-05-01 $185,500 (9.9%) $250,104 (3.4%) 0.00 232
    2019-06-01 $188,000 (10.7%) $255,794 (4.7%) 0.00 232
    2019-07-01 $189,450 (5.7%) $259,333 (7.1%) 0.00 232
    2019-08-01 $193,864 (7.0%) $266,491 (9.8%) 0.00 216
    2019-09-01 $195,909 (3.7%) $268,518 (7.8%) 0.00 201
    2019-10-01 $196,023 (2.7%) $263,913 (4.5%) 0.00 186
    2019-11-01 $189,000 (-0.6%) $246,705 (-1.6%) 0.00 189
    2019-12-01 $188,200 (-0.9%) $243,779 (-5.3%) 0.00 181
    2020-01-01 $182,400 (-4.0%) $242,515 (-5.4%) 0.00 167
    2020-02-01 $189,450 (3.8%) $269,642 (7.1%) 0.00 125
    2020-03-01 $238,975 (30.8%) $299,988 (20.6%) 0.00 127
    2020-04-01 $244,200 (32.1%) $303,025 (22.1%) 0.00 116
    2020-05-01 $269,900 (45.5%) $317,633 (27.0%) 0.00 101
    2020-06-01 $264,825 (40.9%) $332,525 (30.0%) 0.00 88
    2020-07-01 $250,425 (32.2%) $342,907 (32.2%) 0.00 84
    2020-08-01 $289,000 (49.1%) $374,312 (40.5%) 0.00 84
    2020-09-01 $299,000 (52.6%) $393,058 (46.4%) 0.00 78
    2020-10-01 $303,500 (54.8%) $393,339 (49.0%) 0.00 73
    2020-11-01 $297,000 (57.1%) $407,321 (65.1%) 0.00 77
    2020-12-01 $249,250 (32.4%) $391,928 (60.8%) 0.00 76
    2021-01-01 $282,250 (54.7%) $432,521 (78.4%) 0.00 58
    2021-02-01 $295,000 (55.7%) $504,397 (87.1%) 0.00 46
    2021-03-01 $289,825 (21.3%) $478,299 (59.4%) 0.00 43
    2021-04-01 $319,000 (30.6%) $429,961 (41.9%) 0.00 40
    2021-05-01 $364,950 (35.2%) $482,433 (51.9%) 0.00 40
    2021-06-01 $252,250 (-4.8%) $412,618 (24.1%) 0.00 46
    2021-07-01 $222,450 (-11.2%) $381,412 (11.2%) 0.00 54
    2021-08-01 $225,975 (-21.8%) $411,281 (9.9%) 0.00 56
    2021-09-01 $227,475 (-23.9%) $407,317 (3.6%) 0.00 53
    2021-10-01 $249,450 (-17.8%) $411,717 (4.7%) 0.00 57
    2021-11-01 $234,250 (-21.1%) $399,737 (-1.9%) 0.00 59
    2021-12-01 $240,700 (-3.4%) $409,292 (4.4%) 0.00 63
    2022-01-01 $291,900 (3.4%) $433,083 (0.1%) 0.00 51
    2022-02-01 $321,950 (9.1%) $472,520 (-6.3%) 0.00 37
    2022-03-01 $328,000 (13.2%) $448,002 (-6.3%) 0.00 35
    2022-04-01 $282,000 (-11.6%) $433,121 (0.7%) 0.00 32
    2022-05-01 $312,425 (-14.4%) $419,315 (-13.1%) 0.00 40
    2022-06-01 $327,000 (29.6%) $405,800 (-1.7%) 0.00 44
    2022-07-01 $320,000 (43.9%) $413,042 (8.3%) 0.00 48
    2022-08-01 $323,700 (43.3%) $421,968 (2.6%) 0.00 50
    2022-09-01 $351,500 (54.5%) $451,028 (10.7%) 0.00 47
    2022-10-01 $343,750 (37.8%) $416,985 (1.3%) 0.00 53
    2022-11-01 $347,000 (48.1%) $429,397 (7.4%) 0.00 57
    2022-12-01 $299,000 (24.2%) $394,205 (-3.7%) 0.00 59
    2023-01-01 $279,950 (-4.1%) $352,843 (-18.5%) 0.00 53
    2023-02-01 $277,500 (-13.8%) $362,915 (-23.2%) 0.00 53
    2023-03-01 $329,250 (0.4%) $376,964 (-15.9%) 0.00 50
    2023-04-01 $345,000 (22.3%) $395,176 (-8.8%) 0.00 53
    2023-05-01 $342,500 (9.6%) $419,506 (0.1%) 0.00 47
    2023-06-01 $347,000 (6.1%) $428,750 (5.7%) 0.00 54
    2023-07-01 $382,000 (19.4%) $449,241 (8.8%) 0.00 62
    2023-08-01 $362,175 (11.9%) $432,434 (2.5%) 0.00 68
    2023-09-01 $337,000 (-4.1%) $416,760 (-7.6%) 0.00 76
    2023-10-01 $318,675 (-7.3%) $396,340 (-5.0%) 0.00 72
    2023-11-01 $321,200 (-7.4%) $434,221 (1.1%) 0.00 70
    2023-12-01 $320,000 (7.0%) $443,119 (12.4%) 0.00 65
    2024-01-01 $313,675 (12.1%) $430,118 (21.9%) 0.00 62
    2024-02-01 $320,625 (15.5%) $438,878 (20.9%) 0.00 56
    2024-03-01 $342,000 (3.9%) $451,837 (19.9%) 0.00 53
    2024-04-01 $325,000 (-5.8%) $458,690 (16.1%) 0.00 66
    2024-05-01 $319,725 (-6.7%) $453,627 (8.1%) 0.00 73
    2024-06-01 $329,000 (-5.2%) $459,599 (7.2%) 0.00 83
    2024-07-01 $349,725 (-8.5%) $452,143 (0.7%) 0.00 89
    2024-08-01 $350,000 (-3.4%) $446,134 (3.2%) 0.00 93
    2024-09-01 $295,700 (-12.3%) $409,919 (-1.6%) 0.00 88
    2024-10-01 $356,750 (12.0%) $435,558 (9.9%) 0.00 89
    2024-11-01 $362,000 (12.7%) $436,958 (0.6%) 0.00 84
    2024-12-01 $342,500 (7.0%) $426,408 (-3.8%) 0.00 77
    2025-01-01 $375,635 (19.8%) $444,940 (3.5%) 0.00 72
    2025-02-01 $366,000 (14.2%) $441,517 (0.6%) 0.00 66
    2025-03-01 $361,250 (5.6%) $417,913 (-7.5%) 0.00 67
    2025-04-01 $372,578 (14.6%) $407,611 (-11.1%) 0.00 66
    Murray's median listing price for 2025-04-01 was $372,578, a difference of $47,578 (14.6%) versus the prior year and $11,328 versus the prior month.

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

    Murray's average listing price for 2025-04-01 was $407,611, a difference of $-51,079 (-11.1%) versus the prior year and $-10,302 versus the prior month.

    For the 2025-04-01 period, Murray had 66 MLS listings, a difference of -1 listings (-1%) versus the prior month and 0 listings (0%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Murray (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,916 sqft
    2018-02-01 0 days 1,947 sqft
    2018-03-01 0 days 1,902 sqft
    2018-04-01 0 days 1,895 sqft
    2018-05-01 0 days 1,892 sqft
    2018-06-01 0 days 1,870 sqft
    2018-07-01 0 days 1,876 sqft
    2018-08-01 0 days 1,917 sqft
    2018-09-01 0 days 1,930 sqft
    2018-10-01 0 days 2,003 sqft
    2018-11-01 0 days 2,018 sqft
    2018-12-01 0 days 2,024 sqft
    2019-01-01 0 days 2,032 sqft
    2019-02-01 0 days 1,996 sqft
    2019-03-01 0 days 1,947 sqft
    2019-04-01 0 days 1,882 sqft
    2019-05-01 0 days 1,925 sqft
    2019-06-01 0 days 1,955 sqft
    2019-07-01 0 days 2,025 sqft
    2019-08-01 0 days 2,056 sqft
    2019-09-01 0 days 2,074 sqft
    2019-10-01 0 days 2,070 sqft
    2019-11-01 0 days 2,026 sqft
    2019-12-01 0 days 1,948 sqft
    2020-01-01 0 days 1,869 sqft
    2020-02-01 0 days 1,854 sqft
    2020-03-01 0 days 2,025 sqft
    2020-04-01 0 days 2,139 sqft
    2020-05-01 0 days 2,290 sqft
    2020-06-01 0 days 2,185 sqft
    2020-07-01 0 days 2,149 sqft
    2020-08-01 0 days 2,269 sqft
    2020-09-01 0 days 2,208 sqft
    2020-10-01 0 days 2,251 sqft
    2020-11-01 0 days 2,391 sqft
    2020-12-01 0 days 2,153 sqft
    2021-01-01 0 days 2,506 sqft
    2021-02-01 0 days 2,561 sqft
    2021-03-01 0 days 2,433 sqft
    2021-04-01 0 days 2,597 sqft
    2021-05-01 0 days 2,640 sqft
    2021-06-01 0 days 1,945 sqft
    2021-07-01 0 days 1,748 sqft
    2021-08-01 0 days 1,829 sqft
    2021-09-01 0 days 1,816 sqft
    2021-10-01 0 days 1,960 sqft
    2021-11-01 0 days 1,868 sqft
    2021-12-01 0 days 1,883 sqft
    2022-01-01 0 days 2,093 sqft
    2022-02-01 0 days 2,065 sqft
    2022-03-01 0 days 2,035 sqft
    2022-04-01 0 days 2,022 sqft
    2022-05-01 0 days 2,189 sqft
    2022-06-01 0 days 2,059 sqft
    2022-07-01 0 days 2,100 sqft
    2022-08-01 0 days 2,280 sqft
    2022-09-01 0 days 2,280 sqft
    2022-10-01 0 days 2,291 sqft
    2022-11-01 0 days 2,294 sqft
    2022-12-01 0 days 2,243 sqft
    2023-01-01 0 days 2,004 sqft
    2023-02-01 0 days 1,980 sqft
    2023-03-01 0 days 2,257 sqft
    2023-04-01 0 days 2,320 sqft
    2023-05-01 0 days 2,594 sqft
    2023-06-01 0 days 2,581 sqft
    2023-07-01 0 days 2,597 sqft
    2023-08-01 0 days 2,406 sqft
    2023-09-01 0 days 2,336 sqft
    2023-10-01 0 days 2,233 sqft
    2023-11-01 0 days 2,236 sqft
    2023-12-01 0 days 2,364 sqft
    2024-01-01 0 days 2,260 sqft
    2024-02-01 0 days 2,294 sqft
    2024-03-01 0 days 2,240 sqft
    2024-04-01 0 days 2,200 sqft
    2024-05-01 0 days 2,241 sqft
    2024-06-01 0 days 2,243 sqft
    2024-07-01 0 days 2,132 sqft
    2024-08-01 0 days 2,233 sqft
    2024-09-01 0 days 2,173 sqft
    2024-10-01 0 days 2,204 sqft
    2024-11-01 0 days 2,252 sqft
    2024-12-01 0 days 2,199 sqft
    2025-01-01 0 days 2,463 sqft
    2025-02-01 0 days 2,431 sqft
    2025-03-01 0 days 2,239 sqft
    2025-04-01 0 days 2,234 sqft
    Murray's median listing age (time on market) for 2025-04-01 was 0 days.

    Murray's median square footage for active listings during the 2025-04-01 period was 2,234 sqft. One year prior, the average listing was 2,200 sqft.

    Murray, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 251 $52,345,000 $208,546
    Refi 55 $10,995,000 $199,909
    Other 40 $4,160,000 $104,000
    Cash Out Refi 35 $6,615,000 $189,000
    Home Improvement 31 $2,105,000 $67,903

    Murray's most frequently cited loan purpose was Home Purchase, with 251 originations. The 2nd most popular reason was Refi, with 55 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 149 $27,115,000 $181,980
    7-8% 97 $22,595,000 $232,938
    Over 8% 67 $6,315,000 $94,254
    5-6% 56 $13,270,000 $236,964
    3-4% 5 $55,000 $11,000
    4-5% 2 $390,000 $195,000
    2.5-3% 1 $105,000 $105,000

    During 2024, Murray's most frequently originated rate bucket was 6-7%, with 149 originations.

    Loan Sizing (Murray, KY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 151 $21,855,000 $144,735
    $200k-400k 124 $33,000,000 $266,129
    $100,000 or less 112 $6,550,000 $58,482
    $400k-600k 19 $8,885,000 $467,632
    $600k-1000k 5 $3,875,000 $775,000
    $Over $1MM 1 $2,055,000 $2,055,000

    Murray's loan sizing saw the bucket of loans from $100k-200k with 151 originations, totaling $21,855,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 174 $39,230,000 $225,460
    60-80% 58 $11,210,000 $193,276
    Under 20% 50 $2,950,000 $59,000
    20-40% 39 $3,555,000 $91,154
    40-60% 36 $8,380,000 $232,778
    Over 100% 7 $1,875,000 $267,857

    Murray's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 174 originations, totaling $39,230,000 in origination value.