Paducah Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Paducah averaged 6.71% for the week of 2024-02-15, compared to the national average of 6.77% for the same period.

The average rate for the prior week (2024-02-08) was 6.38% and one month ago for the week of 2024-01-11, the average rate was 6.5%.

Paducah's average rate one year ago was 6.16%.

For refis of the same type during the week of 2024-02-15, the average rate was 7.17%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-15 6.77%
Paducah 30 Year Fixed Rate 2024-02-15 6.71%
Paducah 30 Year Fixed Rate Refi 2024-02-15 7.17%
Paducah 15 Year Fixed Rate 2024-02-15 6.12%
Paducah 15 Year Fixed Rate Refi 2024-02-15 6.52%
Paducah 30 Year FHA 2024-02-15 6.22%
Paducah 30 Year FHA Refi 2024-02-15 6.61%
Paducah 30 Year USDA 2024-02-15 6.59%
Paducah 30 Year USDA Refi 2024-02-15 6.49%
Paducah 30 Year VA 2024-02-15 6.16%
Paducah 30 Year VA Refi 2024-02-15 6.66%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Paducah, KY-IL.

Paducah 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 Paducah, KY-IL 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
The Paducah Bank and Trust Company 87 5.05% $3,013
U.S. Bank 68 4.91% $3,349
Regions Bank 50 5.12% $2,787
EVERETT FINANCIAL, INC. 45 5.74% $1,905
QUICKEN LOANS, LLC 42 5.05% $6,036
Independence Bank of Kentucky 25 4.44% $2,319
UNITED WHOLESALE MORTGAGE, LLC 22 5.01% $3,735
Banterra Bank 14 4.79% $2,691
STOCKTON MORTGAGE CORPORATION 14 4.97% $4,836
LOANDEPOT.COM, LLC 13 5.03% $4,858
GERSHMAN INVESTMENT CORP. 12 5.59% $2,896
Community Mortgage Banc Corporation 11 5.04% $2,073
AgFirst Farm Credit Bank 10 5.48% $3,202
Truist 7 5.17% $2,752
Magnolia Bank 7 4.38% $3,314
Wells Fargo Bank 6 5.10% $4,829
AMERISAVE MORTGAGE CORPORATION 6 4.15% $6,668
NAVY FEDERAL CREDIT UNION 5 6.35% $2,677
JPMorgan Chase Bank 4 4.66% $5,512
Fifth Third Bank 4 3.69% $4,057
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 5.09% $5,632
ACOPIA, LLC 4 5.44% $2,798
EVANSVILLE TEACHERS 4 4.38% $3,012
VANDERBILT MORTGAGE AND FINANCE, INC. 3 6.58% $7,048
Flagstar Bank, FSB 3 4.49% $4,270
The Huntington National Bank 3 4.92% $3,123
PREMIA MORTGAGE, LLC 3 4.63% $167
PENNYMAC LOAN SERVICES, LLC 3 5.21% $5,234
Mr. Cooper ( Nationstar Mortgage ) 3 5.25% $4,375
Bank of America 3 4.25% $3,743
SIU 3 4.88% $1,619
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 5.13% $5,892
BETTER MORTGAGE CORPORATION 2 4.75% $4,640
Citizens Bank 2 3.06% $2,035
First Financial Bank 2 5.56% $2,932
FLAT BRANCH MORTGAGE, INC. 2 4.56% $3,601
GUARANTY HOME MORTGAGE CORPORATION 2 4.81% $3,229
HOME POINT FINANCIAL CORPORATION 2 4.56% $5,379
HOMESIDE FINANCIAL, LLC 2 6.06% $4,662
KELLER MORTGAGE, LLC 2 4.19% $2,742
LAKEVIEW LOAN SERVICING, LLC 2 5.13% $3,024
Mortgage Research Center, LLC 2 4.49% $3,866
Paramount Residential Mortgage Group, Inc. 2 5.56% $6,307
Plains Commerce Bank 2 6.13% $2,594
PNC Bank 2 4.81% $3,905
Renasant Bank 2 6.88% $2,533
RUOFF MORTGAGE COMPANY, INC. 2 4.81% $2,483
TEACHERS CREDIT UNION 2 4.38% $2,441
The Federal Savings Bank 1 6.63% $3,704
Hometown Lenders, Inc. 1 5.62% $4,052
HSBC BANK USA, NATIONAL ASSOCIATION 1 4.25% $4,029
Discover Bank 1 4.49% $0
DAS Acquisition Company, LLC 1 6.50% $3,219
The Home Loan Expert LLC 1 5.63% $6,148
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 3.88% $5,646
Leaders Credit Union 1 5.25% $3,012
LENDSURE MORTGAGE CORP. 1 7.38% $11,628
CROSSCOUNTRY MORTGAGE, LLC 1 7.63% $7,731
Longview Bank & Trust 1 4.00% $3,319
COMMUNITY MORTGAGE CORPORATION 1 3.25% $3,756
MORTGAGE 1 INCORPORATED 1 4.75% $3,436
Arvest Bank 1 5.38% $5,230
Citibank 1 4.38% $4,269
M&T Bank 1 6.13% $2,906
Mutual Federal Bank 1 5.38% $3,305
CHURCHILL MORTGAGE CORPORATION 1 4.50% $3,708
AmeriHome Mortgage Company, LLC 1 5.38% $7,689
Century Mortgage Company DBA Century Lending Company 1 5.50% $2,739
Peoples National Bank , N.A. 1 4.88% $9,051
PHH Mortgage Corporation 1 5.88% $5,662
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.88% $4,107
USAA Federal Savings Bank 1 5.88% $5,109
Central Bank 1 5.00% $4,900
21ST MORTGAGE CORPORATION 1 8.10% $7,412
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.00% $3,750
Carrington Mortgage Services, LLC 1 4.75% $3,984
Raymond James Bank 1 3.13% $3,513
BNY Mellon 1 2.75% $6,277
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 4.88% $3,366
Republic Bank & Trust Company 1 5.00% $6,340
River Valley AgCredit, ACA 1 8.70% $3,929
ROYAL UNITED MORTGAGE LLC 1 6.13% $4,395
AMERICAN FINANCING CORPORATION 1 5.25% $7,227
SIRVA MORTGAGE, INC. 1 3.75% $1,915
FIRST COMMUNITY MORTGAGE, INC. 1 7.00% $6,634
Bank of England 1 5.63% $5,755
FIRST STATE MORTGAGE SERVICES, LLC 1 6.00% $3,074
DUPACO COMMUNITY 1 5.13% $2,387
Flanagan State Bank 1 4.50% $5,837
Stifel Bank and Trust 1 3.88% $2,759
F&M Bank 1 5.38% $5,032
FREEDOM MORTGAGE CORPORATION 1 5.88% $5,082
GENISYS 1 4.13% $3,118
DRAPER AND KRAMER MORTGAGE CORP. 1 3.25% $2,874
GREENSTATE CREDIT UNION 1 6.50% $5,532
AXIA FINANCIAL, LLC 1 5.75% $6,301
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.38% $5,849
Academy Bank 1 3.38% $2,357

Paducah Average Closing Costs & Other Stats

Paducah, KY-IL's 98 lenders originated 1,693 loans during 2022. The total origination value was $301,145,000, with an average loan value of $177,877.

Paducah's average closing costs are $3,794.

The top Paducah lender as defined by loan originations is The Paducah Bank and Trust Company, with 87 loans originated. Their average total fees are $3,013, which is $337 lower than the next largest lender, U.S. Bank.

The lowest fee Paducah lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($1,905), Community Mortgage Banc Corporation ($2,073), Independence Bank of Kentucky ($2,319), Banterra Bank ($2,691) and Regions Bank ($2,787).

The lowest rate Paducah lenders (with over 10 loans originated) are Independence Bank of Kentucky (4.44%), Banterra Bank (4.79%), U.S. Bank (4.91%), STOCKTON MORTGAGE CORPORATION (4.97%) and UNITED WHOLESALE MORTGAGE, LLC (5.01%).

Paducah, KY-IL 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
The Paducah Bank and Trust Company $52,500,000 $36,840,000 -29.8% 12.2%
U.S. Bank $43,190,000 $25,290,000 -41.4% 8.4%
Independence Bank of Kentucky $44,850,000 $20,830,000 -53.6% 6.9%
EVERETT FINANCIAL, INC. $6,510,000 $18,515,000 184.4% 6.1%
QUICKEN LOANS, LLC $38,715,000 $18,365,000 -52.6% 6.1%
Regions Bank $15,745,000 $18,180,000 15.5% 6.0%
FNB Bank, Inc. $12,380,000 $12,050,000 -2.7% 4.0%
UNITED WHOLESALE MORTGAGE, LLC $17,610,000 $10,285,000 -41.6% 3.4%
Arbor Realty Trust, Inc. $9,870,000 n/a 3.3%
ORIX REAL ESTATE CAPITAL, LLC $8,855,000 n/a 2.9%
LOANDEPOT.COM, LLC $12,290,000 $7,540,000 -38.6% 2.5%
Mortgage Research Center, LLC $8,695,000 $6,850,000 -21.2% 2.3%
STOCKTON MORTGAGE CORPORATION $2,600,000 $6,105,000 134.8% 2.0%
GERSHMAN INVESTMENT CORP. $3,855,000 $5,350,000 38.8% 1.8%
Magnolia Bank $15,140,000 $4,635,000 -69.4% 1.5%
Banterra Bank $5,245,000 $3,480,000 -33.7% 1.2%
AgFirst Farm Credit Bank $2,485,000 $3,455,000 39.0% 1.1%
FREEDOM MORTGAGE CORPORATION $6,200,000 $2,845,000 -54.1% 0.9%
USAA Federal Savings Bank $2,265,000 $2,810,000 24.1% 0.9%
PENNYMAC LOAN SERVICES, LLC $5,505,000 $2,560,000 -53.5% 0.9%
Truist $4,045,000 $2,370,000 -41.4% 0.8%
Wells Fargo Bank $27,475,000 $2,245,000 -91.8% 0.7%
Community Mortgage Banc Corporation $5,660,000 $2,165,000 -61.7% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $655,000 $2,100,000 220.6% 0.7%
NAVY FEDERAL CREDIT UNION $2,005,000 $2,020,000 0.7% 0.7%
AMERISAVE MORTGAGE CORPORATION $5,385,000 $1,870,000 -65.3% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $4,935,000 $1,820,000 -63.1% 0.6%
Citizens Bank $1,840,000 $1,740,000 -5.4% 0.6%
ACOPIA, LLC $4,520,000 $1,695,000 -62.5% 0.6%
Farmers Bank and Trust Company $1,170,000 $1,635,000 39.7% 0.5%
21ST MORTGAGE CORPORATION $1,205,000 $1,630,000 35.3% 0.5%
EVANSVILLE TEACHERS $1,050,000 $1,560,000 48.6% 0.5%
PNC Bank $1,860,000 $1,495,000 -19.6% 0.5%
TOWNE MORTGAGE COMPANY $715,000 $1,420,000 98.6% 0.5%
BNY Mellon $1,405,000 n/a 0.5%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,180,000 $1,300,000 -40.4% 0.4%
BROKER SOLUTIONS, INC. $1,310,000 $1,280,000 -2.3% 0.4%
JPMorgan Chase Bank $3,715,000 $1,185,000 -68.1% 0.4%
Fifth Third Bank $830,000 $1,145,000 38.0% 0.4%
Central Bank & Trust Company $1,105,000 n/a 0.4%
LAKEVIEW LOAN SERVICING, LLC $1,985,000 $1,100,000 -44.6% 0.4%
CRESCENT MORTGAGE COMPANY $850,000 $1,060,000 24.7% 0.4%
PREMIA MORTGAGE, LLC $1,055,000 n/a 0.4%
First Southern National Bank $1,030,000 n/a 0.3%
The Huntington National Bank $725,000 $970,000 33.8% 0.3%
AMERICAN FINANCING CORPORATION $1,990,000 $805,000 -59.5% 0.3%
HOME POINT FINANCIAL CORPORATION $520,000 $790,000 51.9% 0.3%
Renasant Bank $1,695,000 $760,000 -55.2% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $330,000 $700,000 112.1% 0.2%
First Financial Bank $645,000 $695,000 7.8% 0.2%
Flagstar Bank, FSB $665,000 $685,000 3.0% 0.2%
NEWREZ LLC $2,475,000 $675,000 -72.7% 0.2%
The Federal Savings Bank $375,000 $675,000 80.0% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $215,000 $655,000 204.7% 0.2%
Peoples National Bank , N.A. $680,000 $595,000 -12.5% 0.2%
UNIFY FINANCIAL Credit Union $595,000 n/a 0.2%
SIU $200,000 $580,000 190.0% 0.2%
GUARANTY HOME MORTGAGE CORPORATION $355,000 $555,000 56.3% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $125,000 $555,000 344.0% 0.2%
United Community Bank $115,000 $555,000 382.6% 0.2%
River Valley AgCredit, ACA $2,175,000 $545,000 -74.9% 0.2%
Bank of England $815,000 $525,000 -35.6% 0.2%
Bank of America $1,575,000 $515,000 -67.3% 0.2%
FLAT BRANCH MORTGAGE, INC. $85,000 $505,000 494.1% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $695,000 $500,000 -28.1% 0.2%
Paramount Residential Mortgage Group, Inc. $85,000 $495,000 482.4% 0.2%
TOP FLITE FINANCIAL, INC. $400,000 $490,000 22.5% 0.2%
PHH Mortgage Corporation $485,000 n/a 0.2%
Raymond James Bank $265,000 $485,000 83.0% 0.2%
Carrington Mortgage Services, LLC $1,005,000 $465,000 -53.7% 0.2%
First Savings Bank $445,000 n/a 0.1%
DAS Acquisition Company, LLC $595,000 $440,000 -26.1% 0.1%
CapStar Bank $870,000 $430,000 -50.6% 0.1%
Waterstone Mortgage Corporation $425,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $755,000 $410,000 -45.7% 0.1%
Stifel Bank and Trust $175,000 $410,000 134.3% 0.1%
ANGEL OAK HOME LOANS LLC $405,000 n/a 0.1%
Century Mortgage Company DBA Century Lending Company $400,000 n/a 0.1%
Legence Bank $425,000 $395,000 -7.1% 0.1%
RUOFF MORTGAGE COMPANY, INC. $730,000 $395,000 -45.9% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $570,000 $380,000 -33.3% 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $175,000 $375,000 114.3% 0.1%
Nations Lending Corporation $300,000 $365,000 21.7% 0.1%
CITIZENS EQUITY FIRST $355,000 n/a 0.1%
ENDEAVOR CAPITAL, LLC. $135,000 $350,000 159.3% 0.1%
KELLER MORTGAGE, LLC $700,000 $350,000 -50.0% 0.1%
VILLAGE CAPITAL MORTGAGE $545,000 $350,000 -35.8% 0.1%
GUARANTEED RATE, INC. $345,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $115,000 $340,000 195.7% 0.1%
Plains Commerce Bank $340,000 n/a 0.1%
Republic Bank & Trust Company $55,000 $340,000 518.2% 0.1%
VAN DYK MORTGAGE CORPORATION $340,000 n/a 0.1%
LENDSURE MORTGAGE CORP. $335,000 n/a 0.1%
SouthernTrust Bank $335,000 n/a 0.1%
Alliance Bank $55,000 $330,000 500.0% 0.1%
ROYAL UNITED MORTGAGE LLC $420,000 $325,000 -22.6% 0.1%
The Bradford National Bank of Greenville $325,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $2,605,000 $320,000 -87.7% 0.1%
FirstBank $315,000 $310,000 -1.6% 0.1%
Longview Bank & Trust $305,000 n/a 0.1%
TEACHERS CREDIT UNION $290,000 n/a 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $265,000 $285,000 7.5% 0.1%
GREENSTATE CREDIT UNION $275,000 n/a 0.1%
SOUTHWEST FUNDING, LP $275,000 n/a 0.1%
Discover Bank $155,000 $270,000 74.2% 0.1%
NEW DAY FINANCIAL, LLC $1,015,000 $265,000 -73.9% 0.1%
FAIR WAY LENDING LLC $95,000 $260,000 173.7% 0.1%
WesBanco Bank, Inc. $1,785,000 $255,000 -85.7% 0.1%
FirstTrust Home Loans, Inc. $245,000 n/a 0.1%
MORTGAGE 1 INCORPORATED $245,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $535,000 $240,000 -55.1% 0.1%
ALLIANT CREDIT UNION $235,000 n/a 0.1%
American Bank & Trust Company, Inc. $125,000 $235,000 88.0% 0.1%
Park Lane Finance Solutions, LLC $190,000 $235,000 23.7% 0.1%
BEST CAPITAL FUNDING $225,000 n/a 0.1%
COMMUNITY MORTGAGE CORPORATION $185,000 $225,000 21.6% 0.1%
First Citizens National Bank $155,000 $225,000 45.2% 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $105,000 $215,000 104.8% 0.1%
ALTRA $210,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $865,000 $210,000 -75.7% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $210,000 n/a 0.1%
Leaders Credit Union $205,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $1,160,000 $200,000 -82.8% 0.1%
EMBRACE HOME LOANS, INC. $195,000 n/a 0.1%
F&M Bank $195,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 n/a 0.1%
S&T Bank $195,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $385,000 $185,000 -51.9% 0.1%
SIRVA MORTGAGE, INC. $185,000 n/a 0.1%
Colten Mortgage, LLC $175,000 n/a 0.1%
GENISYS $175,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $175,000 n/a 0.1%
AXIA FINANCIAL, LLC $165,000 n/a 0.1%
FINANCE OF AMERICA MORTGAGE LLC $525,000 $165,000 -68.6% 0.1%
Paramount Bank $450,000 $165,000 -63.3% 0.1%
ACADEMY MORTGAGE CORPORATION $155,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $135,000 $145,000 7.4% 0.0%
CLASS ACT FEDERAL CREDIT UNION $145,000 n/a 0.0%
First Internet Bank of Indiana $145,000 n/a 0.0%
Flanagan State Bank $145,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $480,000 $145,000 -69.8% 0.0%
The Home Loan Expert LLC $145,000 n/a 0.0%
Hometown Lenders, Inc. $135,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $135,000 n/a 0.0%
MYCUMORTGAGE, LLC $1,135,000 $135,000 -88.1% 0.0%
PLANET HOME LENDING, LLC $815,000 $135,000 -83.4% 0.0%
First Mid Bank & Trust $165,000 $130,000 -21.2% 0.0%
SPRING EQ, LLC $290,000 $130,000 -55.2% 0.0%
Arvest Bank $180,000 $125,000 -30.6% 0.0%
M&T Bank $585,000 $125,000 -78.6% 0.0%
Mutual Federal Bank $125,000 n/a 0.0%
Planters Bank, Inc. $175,000 $125,000 -28.6% 0.0%
Citibank $115,000 n/a 0.0%
CALIBER HOME LOANS, INC. $910,000 $105,000 -88.5% 0.0%
Illinois State Police Federal Credit Union $105,000 n/a 0.0%
Academy Bank $95,000 n/a 0.0%
Bank First, N.A. $95,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $85,000 n/a 0.0%
GREAT LAKES $65,000 $85,000 30.8% 0.0%
DUPACO COMMUNITY $75,000 n/a 0.0%
NFM, INC. $75,000 n/a 0.0%
Old National Bank $55,000 n/a 0.0%
EASTMAN $365,000 $45,000 -87.7% 0.0%
FIRST STATE MORTGAGE SERVICES, LLC $45,000 n/a 0.0%
German American Bank $160,000 $45,000 -71.9% 0.0%
AMERICAN ADVISORS GROUP $410,000 $25,000 -93.9% 0.0%

Paducah's top lender by overall market share is The Paducah Bank and Trust Company, with 12.2% market share. In second place, with 8.4%, is U.S. Bank, having originated $25,290,000 in loans. In third place, with 6.9%, is Independence Bank of Kentucky, having originated $20,830,000 in loans. In fourth place, with 6.1%, is EVERETT FINANCIAL, INC., having originated $18,515,000 in loans. In fifth place, with 6.1%, is QUICKEN LOANS, LLC, having originated $18,365,000 in loans.


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

Realtor.com - Paducah (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 $134,900 (-0.6%) $172,507 (-8.2%) 0.00 576
2018-02-01 $130,400 (-1.8%) $168,064 (-10.6%) 0.00 574
2018-03-01 $139,950 (5.0%) $173,304 (-7.8%) 0.00 597
2018-04-01 $144,000 (-2.2%) $176,895 (-8.4%) 0.00 606
2018-05-01 $144,000 (0.1%) $181,936 (-6.4%) 0.00 636
2018-06-01 $141,450 (-3.3%) $183,752 (-3.8%) 0.00 643
2018-07-01 $139,450 (-6.7%) $178,427 (-6.8%) 0.00 661
2018-08-01 $135,000 (-8.0%) $176,031 (-6.4%) 0.00 638
2018-09-01 $134,900 (-8.8%) $175,865 (-4.4%) 0.00 623
2018-10-01 $134,950 (-8.0%) $179,636 (-2.8%) 0.00 602
2018-11-01 $135,000 (-0.3%) $179,989 (1.4%) 0.00 587
2018-12-01 $144,200 (3.6%) $190,460 (8.1%) 0.00 534
2019-01-01 $144,300 (4.2%) $192,272 (11.5%) 0.00 516
2019-02-01 $144,400 (5.5%) $194,909 (16.0%) 0.00 531
2019-03-01 $142,757 (-2.8%) $194,875 (12.5%) 0.00 559
2019-04-01 $139,900 (-2.3%) $192,546 (8.9%) 0.00 570
2019-05-01 $142,300 (-3.3%) $199,503 (9.7%) 0.00 570
2019-06-01 $139,900 (-0.1%) $203,221 (10.6%) 0.00 590
2019-07-01 $139,900 (1.5%) $203,736 (14.2%) 0.00 591
2019-08-01 $142,345 (7.1%) $207,607 (17.9%) 0.00 585
2019-09-01 $145,189 (10.2%) $209,118 (18.9%) 0.00 573
2019-10-01 $147,400 (8.6%) $210,128 (17.0%) 0.00 565
2019-11-01 $149,000 (7.6%) $212,207 (17.9%) 0.00 543
2019-12-01 $150,000 (6.9%) $218,611 (14.8%) 0.00 496
2020-01-01 $139,925 (-0.1%) $211,960 (10.2%) 0.00 469
2020-02-01 $139,000 (-3.5%) $214,521 (10.1%) 0.00 398
2020-03-01 $144,950 (3.5%) $224,979 (15.5%) 0.00 400
2020-04-01 $143,450 (5.1%) $225,846 (17.3%) 0.00 375
2020-05-01 $145,000 (3.4%) $220,208 (10.4%) 0.00 329
2020-06-01 $155,700 (12.6%) $227,078 (11.7%) 0.00 321
2020-07-01 $160,950 (19.7%) $226,365 (11.1%) 0.00 321
2020-08-01 $159,900 (11.4%) $226,102 (8.9%) 0.00 300
2020-09-01 $139,675 (-1.7%) $213,566 (2.1%) 0.00 288
2020-10-01 $141,400 (0.1%) $209,374 (-0.4%) 0.00 289
2020-11-01 $139,900 (-3.4%) $208,233 (-1.9%) 0.00 261
2020-12-01 $145,175 (0.0%) $215,524 (-1.4%) 0.00 250
2021-01-01 $139,900 (10.2%) $213,793 (0.9%) 0.00 231
2021-02-01 $139,450 (4.5%) $211,714 (-1.3%) 0.00 211
2021-03-01 $132,450 (-8.9%) $198,056 (-12.0%) 0.00 178
2021-04-01 $140,900 (-3.3%) $211,528 (-6.3%) 0.00 160
2021-05-01 $149,450 (0.0%) $212,561 (-3.5%) 0.00 159
2021-06-01 $136,225 (-15.6%) $240,066 (5.7%) 0.00 164
2021-07-01 $139,900 (-13.0%) $256,508 (13.3%) 0.00 164
2021-08-01 $149,900 (-6.2%) $258,878 (14.5%) 0.00 159
2021-09-01 $129,450 (-8.3%) $233,801 (9.5%) 0.00 157
2021-10-01 $138,900 (-1.6%) $226,388 (8.1%) 0.00 155
2021-11-01 $139,900 (1.5%) $255,260 (22.6%) 0.00 156
2021-12-01 $122,500 (-17.7%) $202,381 (-6.1%) 0.00 146
2022-01-01 $125,000 (-12.3%) $209,838 (-1.9%) 0.00 133
2022-02-01 $135,646 (-4.3%) $208,372 (-1.6%) 0.00 128
2022-03-01 $129,950 (2.3%) $249,714 (26.1%) 0.00 149
2022-04-01 $129,900 (-6.9%) $222,637 (5.3%) 0.00 153
2022-05-01 $138,650 (-6.7%) $226,500 (6.6%) 0.00 158
2022-06-01 $139,925 (4.3%) $228,975 (-4.6%) 0.00 169
2022-07-01 $159,000 (7.8%) $246,545 (-3.9%) 0.00 175
2022-08-01 $174,725 (14.9%) $244,574 (-5.5%) 0.00 169
2022-09-01 $184,500 (41.5%) $235,737 (0.8%) 0.00 176
2022-10-01 $214,900 (49.1%) $250,850 (10.8%) 0.00 172
2022-11-01 $203,450 (46.3%) $259,752 (1.8%) 0.00 171
2022-12-01 $200,000 (64.8%) $261,998 (29.5%) 0.00 171
2023-01-01 $219,950 (59.5%) $265,471 (26.5%) 0.00 144
2023-02-01 $220,888 (59.5%) $263,829 (26.6%) 0.00 144
2023-03-01 $211,225 (56.2%) $260,380 (4.3%) 0.00 144
2023-04-01 $218,900 (63.3%) $278,152 (24.9%) 0.00 138
2023-05-01 $217,475 (63.5%) $285,374 (26.0%) 0.00 141
2023-06-01 $229,950 (67.9%) $291,931 (27.5%) 0.00 155
2023-07-01 $244,950 (56.7%) $289,079 (17.3%) 0.00 173
2023-08-01 $254,000 (45.2%) $298,922 (22.2%) 0.00 176
2023-09-01 $238,000 (25.6%) $289,662 (22.9%) 0.00 182
2023-10-01 $228,475 (5.3%) $289,727 (15.5%) 0.00 188
2023-11-01 $233,725 (12.0%) $307,973 (18.6%) 0.00 188
2023-12-01 $247,750 (0.0%) $302,771 (15.6%) 0.00 176
Paducah's median listing price for 2023-12-01 was $247,750, a difference of $47,750 (0.0%) versus the prior year and $14,025 versus the prior month.

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

Paducah's average listing price for 2023-12-01 was $302,771, a difference of $40,773 (15.6%) versus the prior year and $-5,202 versus the prior month.

For the 2023-12-01 period, Paducah had 176 MLS listings, a difference of -12 listings (-6%) versus the prior month and 5 listings (3%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Paducah (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,770 sqft
2018-02-01 0 days 1,710 sqft
2018-03-01 0 days 1,777 sqft
2018-04-01 0 days 1,793 sqft
2018-05-01 0 days 1,798 sqft
2018-06-01 0 days 1,800 sqft
2018-07-01 0 days 1,800 sqft
2018-08-01 0 days 1,796 sqft
2018-09-01 0 days 1,781 sqft
2018-10-01 0 days 1,754 sqft
2018-11-01 0 days 1,755 sqft
2018-12-01 0 days 1,823 sqft
2019-01-01 0 days 1,824 sqft
2019-02-01 0 days 1,794 sqft
2019-03-01 0 days 1,776 sqft
2019-04-01 0 days 1,733 sqft
2019-05-01 0 days 1,721 sqft
2019-06-01 0 days 1,743 sqft
2019-07-01 0 days 1,715 sqft
2019-08-01 0 days 1,749 sqft
2019-09-01 0 days 1,778 sqft
2019-10-01 0 days 1,800 sqft
2019-11-01 0 days 1,800 sqft
2019-12-01 0 days 1,899 sqft
2020-01-01 0 days 1,766 sqft
2020-02-01 0 days 1,733 sqft
2020-03-01 0 days 1,803 sqft
2020-04-01 0 days 1,812 sqft
2020-05-01 0 days 1,832 sqft
2020-06-01 0 days 1,836 sqft
2020-07-01 0 days 1,871 sqft
2020-08-01 0 days 1,793 sqft
2020-09-01 0 days 1,700 sqft
2020-10-01 0 days 1,696 sqft
2020-11-01 0 days 1,696 sqft
2020-12-01 0 days 1,735 sqft
2021-01-01 0 days 1,787 sqft
2021-02-01 0 days 1,742 sqft
2021-03-01 0 days 1,685 sqft
2021-04-01 0 days 1,763 sqft
2021-05-01 0 days 1,696 sqft
2021-06-01 0 days 1,608 sqft
2021-07-01 0 days 1,696 sqft
2021-08-01 0 days 1,782 sqft
2021-09-01 0 days 1,633 sqft
2021-10-01 0 days 1,603 sqft
2021-11-01 0 days 1,556 sqft
2021-12-01 0 days 1,452 sqft
2022-01-01 0 days 1,500 sqft
2022-02-01 0 days 1,372 sqft
2022-03-01 0 days 1,404 sqft
2022-04-01 0 days 1,480 sqft
2022-05-01 0 days 1,458 sqft
2022-06-01 0 days 1,488 sqft
2022-07-01 0 days 1,580 sqft
2022-08-01 0 days 1,581 sqft
2022-09-01 0 days 1,596 sqft
2022-10-01 0 days 1,719 sqft
2022-11-01 0 days 1,748 sqft
2022-12-01 0 days 1,795 sqft
2023-01-01 0 days 1,821 sqft
2023-02-01 0 days 1,740 sqft
2023-03-01 0 days 1,769 sqft
2023-04-01 0 days 1,728 sqft
2023-05-01 0 days 1,730 sqft
2023-06-01 0 days 1,771 sqft
2023-07-01 0 days 1,812 sqft
2023-08-01 0 days 1,863 sqft
2023-09-01 0 days 1,828 sqft
2023-10-01 0 days 1,825 sqft
2023-11-01 0 days 1,901 sqft
2023-12-01 0 days 1,868 sqft
Paducah's median listing age (time on market) for 2023-12-01 was 0 days.

Paducah's median square footage for active listings during the 2023-12-01 period was 1,868 sqft. One year prior, the average listing was 1,795 sqft.

Paducah, KY-IL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 994 $208,030,000 $209,286
Refi 229 $35,845,000 $156,528
Cash Out Refi 224 $41,020,000 $183,125
Home Improvement 136 $8,430,000 $61,985
Other 110 $7,820,000 $71,091

Paducah's most frequently cited loan purpose was Home Purchase, with 994 originations. The 2nd most popular reason was Refi, with 229 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 439 $75,605,000 $172,221
3-4% 384 $71,680,000 $186,667
4-5% 364 $66,530,000 $182,775
6-7% 221 $31,985,000 $144,729
7-8% 74 $8,150,000 $110,135
2.5-3% 62 $13,970,000 $225,323
Over 8% 50 $3,860,000 $77,200
<2.5% 26 $13,160,000 $506,154

During 2022, Paducah's most frequently originated rate bucket was 5-6%, with 439 originations.

Loan Sizing (Paducah, KY-IL MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 669 $96,795,000 $144,686
$100,000 or less 563 $33,405,000 $59,334
$200k-400k 382 $102,790,000 $269,084
$400k-600k 54 $25,730,000 $476,481
$600k-1000k 14 $10,200,000 $728,571
$Over $1MM 11 $32,225,000 $2,929,545

Paducah's loan sizing saw the bucket of loans from $100k-200k with 669 originations, totaling $96,795,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 774 $148,110,000 $191,357
60-80% 378 $81,670,000 $216,058
40-60% 169 $24,765,000 $146,538
20-40% 147 $10,395,000 $70,714
Under 20% 124 $5,220,000 $42,097
Over 100% 20 $13,590,000 $679,500

Paducah's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 774 originations, totaling $148,110,000 in origination value.