Richmond - Berea Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Richmond - Berea averaged
7.14%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.2% and
one month ago for the week of 2026-10-01, the
average rate was 7.24%.
Richmond - Berea's average rate one year ago was 6.13%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.51%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Richmond - Berea 30 Year Fixed Rate | 2026-11-05 | 7.14% |
| Richmond - Berea 30 Year Fixed Rate Refi | 2026-11-05 | 7.51% |
| Richmond - Berea 15 Year Fixed Rate | 2026-11-05 | 6.57% |
| Richmond - Berea 15 Year Fixed Rate Refi | 2026-11-05 | 6.77% |
| Richmond - Berea 30 Year FHA | 2026-11-05 | 7.09% |
| Richmond - Berea 30 Year FHA Refi | 2026-11-05 | 6.83% |
| Richmond - Berea 30 Year USDA | 2026-11-05 | 7% |
| Richmond - Berea 30 Year USDA Refi | 2026-11-05 | 6.9% |
| Richmond - Berea 30 Year VA | 2026-11-05 | 7.14% |
| Richmond - Berea 30 Year VA Refi | 2026-11-05 | 6.58% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Richmond-Berea, KY.
Richmond - Berea 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 Richmond-Berea, 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.).
Richmond - Berea Average Closing Costs & Other Stats
Richmond-Berea, KY's 115 lenders originated 2,637
loans during 2025. The total origination value was $650,495,000, with an average loan value of
$246,680.
Richmond - Berea's average closing costs are $4,800.
The top Richmond - Berea lender as defined by loan originations is T2 FINANCIAL LLC, with
75 loans originated. Their average total fees are
$5,342, which is $1,568
higher than the next largest lender,
ARK-LA-TEX FINANCIAL SERVICES, LLC..
The lowest fee Richmond - Berea lenders (with over 10 loans originated) are
Guardian Savings Bank, A Federal Savings Bank ($1,715), Community Trust Bank, Inc. ($2,729), Central Bank ($2,885), JPMorgan Chase Bank ($2,946) and Whitaker Bank ($3,019).
The lowest rate Richmond - Berea lenders (with over 10 loans originated) are
Community Trust Bank, Inc. (6.07%), Whitaker Bank (6.21%), PARK COMMUNITY CREDIT UNION, INC. (6.53%), Guardian Savings Bank, A Federal Savings Bank (6.55%) and GENEVA FINANCIAL, LLC (6.57%).
Richmond-Berea, 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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| T2 FINANCIAL LLC | $20,805,000 | $43,075,000 | 107.0% | 6.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $26,195,000 | $37,650,000 | 43.7% | 5.8% |
| QUICKEN LOANS, LLC | $21,965,000 | $34,475,000 | 57.0% | 5.3% |
| Traditional Bank, Inc. | $9,775,000 | $27,720,000 | 183.6% | 4.3% |
| Whitaker Bank | $27,735,000 | $25,615,000 | -7.6% | 3.9% |
| UNIVERSITY OF KENTUCKY | $7,130,000 | $23,565,000 | 230.5% | 3.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $17,900,000 | $23,125,000 | 29.2% | 3.6% |
| U.S. Bank | $16,735,000 | $19,865,000 | 18.7% | 3.1% |
| COMMONWEALTH | $15,555,000 | $19,010,000 | 22.2% | 2.9% |
| Mortgage Research Center, LLC | $13,615,000 | $17,680,000 | 29.9% | 2.7% |
| FREEDOM MORTGAGE CORPORATION | $7,165,000 | $16,005,000 | 123.4% | 2.5% |
| Central Bank | $11,050,000 | $15,590,000 | 41.1% | 2.4% |
| Community Trust Bank, Inc. | $17,190,000 | $14,890,000 | -13.4% | 2.3% |
| STOCKTON MORTGAGE CORPORATION | $12,630,000 | $14,575,000 | 15.4% | 2.2% |
| BROKER SOLUTIONS, INC. | $11,370,000 | $14,125,000 | 24.2% | 2.2% |
| The Monticello Banking Company | $5,820,000 | $12,750,000 | 119.1% | 2.0% |
| Guardian Savings Bank, A Federal Savings Bank | $5,730,000 | $11,385,000 | 98.7% | 1.8% |
| Stock Yards Bank & Trust Company | $22,165,000 | $10,605,000 | -52.2% | 1.6% |
| Fifth Third Bank | $5,485,000 | $8,515,000 | 55.2% | 1.3% |
| Ixonia Bank | $5,325,000 | $8,410,000 | 57.9% | 1.3% |
| Cumberland Valley National Bank & Trust Company | $6,910,000 | $8,115,000 | 17.4% | 1.2% |
| The Citizens National Bank of Somerset | $1,420,000 | $7,940,000 | 459.2% | 1.2% |
| Bank of the Bluegrass & Trust Co. | $3,435,000 | $6,725,000 | 95.8% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $6,195,000 | $6,725,000 | 8.6% | 1.0% |
| ServisFirst Bank | $6,475,000 | n/a | 1.0% | |
| PARK COMMUNITY CREDIT UNION, INC. | $5,675,000 | $6,200,000 | 9.3% | 1.0% |
| First Southern National Bank | $6,125,000 | $6,110,000 | -0.2% | 0.9% |
| PNC Bank | $4,830,000 | $5,955,000 | 23.3% | 0.9% |
| JPMorgan Chase Bank | $5,285,000 | $5,495,000 | 4.0% | 0.8% |
| DAS Acquisition Company, LLC | $4,945,000 | $5,490,000 | 11.0% | 0.8% |
| USAA Federal Savings Bank | $3,255,000 | $4,610,000 | 41.6% | 0.7% |
| Cedar Rapids Bank and Trust Company | $4,555,000 | n/a | 0.7% | |
| City National Bank of West Virginia | $1,200,000 | $4,475,000 | 272.9% | 0.7% |
| HOMESIDE FINANCIAL, LLC | $2,750,000 | $4,345,000 | 58.0% | 0.7% |
| NEWREZ LLC | $2,815,000 | $4,220,000 | 49.9% | 0.6% |
| DHI MORTGAGE COMPANY, LTD. | $4,030,000 | n/a | 0.6% | |
| UNION HOME MORTGAGE CORP. | $4,015,000 | $3,970,000 | -1.1% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $4,830,000 | $3,730,000 | -22.8% | 0.6% |
| GENEVA FINANCIAL, LLC | $20,620,000 | $3,545,000 | -82.8% | 0.5% |
| The Farmers Bank | $1,180,000 | $3,465,000 | 193.6% | 0.5% |
| GoPrime Mortgage, Inc. | $3,045,000 | $3,400,000 | 11.7% | 0.5% |
| Renasant Bank | $980,000 | $3,400,000 | 246.9% | 0.5% |
| Magnolia Bank | $9,770,000 | $3,325,000 | -66.0% | 0.5% |
| Republic Bank & Trust Company | $4,145,000 | $3,130,000 | -24.5% | 0.5% |
| LOANDEPOT.COM, LLC | $2,085,000 | $2,950,000 | 41.5% | 0.5% |
| NEW DAY FINANCIAL, LLC | $225,000 | $2,860,000 | 1,171.1% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $980,000 | $2,830,000 | 188.8% | 0.4% |
| Republic State Mortgage Co. | $5,125,000 | $2,825,000 | -44.9% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $1,570,000 | $2,740,000 | 74.5% | 0.4% |
| WesBanco | $1,520,000 | $2,650,000 | 74.3% | 0.4% |
| PLANET HOME LENDING, LLC | $2,345,000 | $2,565,000 | 9.4% | 0.4% |
| MEMBERS HERITAGE Credit Union | $2,545,000 | $2,435,000 | -4.3% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $5,155,000 | $2,435,000 | -52.8% | 0.4% |
| Truist | $1,995,000 | $2,250,000 | 12.8% | 0.3% |
| The Huntington National Bank | $190,000 | $2,195,000 | 1,055.3% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,755,000 | $2,175,000 | 23.9% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $690,000 | $2,075,000 | 200.7% | 0.3% |
| Northpointe Bank | $1,740,000 | $2,035,000 | 17.0% | 0.3% |
| The Federal Savings Bank | $860,000 | $1,930,000 | 124.4% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,445,000 | $1,885,000 | -22.9% | 0.3% |
| Prosperity Home Mortgage, LLC | $2,725,000 | $1,885,000 | -30.8% | 0.3% |
| Peoples Exchange Bank | $1,895,000 | $1,830,000 | -3.4% | 0.3% |
| FIELD & MAIN BANK, INC. | $1,005,000 | $1,825,000 | 81.6% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $890,000 | $1,815,000 | 103.9% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $2,170,000 | $1,795,000 | -17.3% | 0.3% |
| Citizens Bank | $1,750,000 | n/a | 0.3% | |
| Bank of Lexington, Inc. | $4,085,000 | $1,725,000 | -57.8% | 0.3% |
| 21ST MORTGAGE CORPORATION | $1,320,000 | $1,695,000 | 28.4% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $185,000 | $1,670,000 | 802.7% | 0.3% |
| ENVOY MORTGAGE, LTD | $1,060,000 | $1,670,000 | 57.5% | 0.3% |
| EVERETT FINANCIAL, INC. | $785,000 | $1,600,000 | 103.8% | 0.2% |
| LENDINGONE, LLC | $1,475,000 | $1,525,000 | 3.4% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,730,000 | $1,445,000 | -16.5% | 0.2% |
| Carrington Mortgage Services, LLC | $1,705,000 | $1,370,000 | -19.6% | 0.2% |
| PIKE CREEK MORTGAGE SERVICES, INC. | $1,365,000 | n/a | 0.2% | |
| RUOFF MORTGAGE COMPANY, INC. | $5,965,000 | $1,330,000 | -77.7% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $285,000 | $1,320,000 | 363.2% | 0.2% |
| GENISYS | $1,285,000 | n/a | 0.2% | |
| PLAZA HOME MORTGAGE, INC. | $1,210,000 | n/a | 0.2% | |
| CMG MORTGAGE, INC. | $1,190,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $630,000 | $1,185,000 | 88.1% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,125,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $1,210,000 | $1,070,000 | -11.6% | 0.2% |
| GUARANTEED RATE, INC. | $2,415,000 | $1,050,000 | -56.5% | 0.2% |
| SOUTH CENTRAL BANK, INC. | $180,000 | $1,050,000 | 483.3% | 0.2% |
| Old National Bank | $1,035,000 | n/a | 0.2% | |
| Leader Bank | $1,030,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $390,000 | $1,005,000 | 157.7% | 0.2% |
| Forcht Bank | $2,580,000 | $975,000 | -62.2% | 0.1% |
| Central Kentucky Agricultural Credit Association | $75,000 | $955,000 | 1,173.3% | 0.1% |
| Wells Fargo Bank | $1,310,000 | $890,000 | -32.1% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $490,000 | $875,000 | 78.6% | 0.1% |
| Bank of America | $1,020,000 | $870,000 | -14.7% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,380,000 | $870,000 | -37.0% | 0.1% |
| L & N Federal Credit Union | $1,140,000 | $820,000 | -28.1% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $760,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $35,000 | $755,000 | 2,057.1% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,740,000 | $730,000 | -58.0% | 0.1% |
| POLARIS HOME FUNDING CORP. | $115,000 | $725,000 | 530.4% | 0.1% |
| FirstBank | $75,000 | $675,000 | 800.0% | 0.1% |
| EMM LOANS LLC | $345,000 | $650,000 | 88.4% | 0.1% |
| EVANSVILLE TEACHERS | $315,000 | $625,000 | 98.4% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $535,000 | $620,000 | 15.9% | 0.1% |
| PHH Mortgage Corporation | $615,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $245,000 | $605,000 | 146.9% | 0.1% |
| Armed Forces Bank | $1,585,000 | $575,000 | -63.7% | 0.1% |
| INTERNATIONAL CITY MORTGAGE, INC. | $565,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $550,000 | n/a | 0.1% | |
| THE MORTGAGE FIRM, INC. | $540,000 | n/a | 0.1% | |
| AgFirst Farm Credit Bank | $520,000 | n/a | 0.1% | |
| Coastal Community Bank | $790,000 | $510,000 | -35.4% | 0.1% |
| AmeriHome Mortgage Company, LLC | $940,000 | $480,000 | -48.9% | 0.1% |
| Nations Lending Corporation | $215,000 | $480,000 | 123.3% | 0.1% |
| AMWEST FUNDING CORP. | $235,000 | $470,000 | 100.0% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $465,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $460,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $455,000 | n/a | 0.1% | |
| MEMBERS CHOICE | $445,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $325,000 | $440,000 | 35.4% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,125,000 | $440,000 | -60.9% | 0.1% |
| COMPASS MORTGAGE, INC. | $425,000 | n/a | 0.1% | |
| Wilson & Muir Bank & Trust Company | $420,000 | n/a | 0.1% | |
| HOMESTEAD FUNDING CORP. | $415,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $1,095,000 | $415,000 | -62.1% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $430,000 | $415,000 | -3.5% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $295,000 | $410,000 | 39.0% | 0.1% |
| Arvest Bank | $105,000 | $405,000 | 285.7% | 0.1% |
| NBKC BANK | $275,000 | $405,000 | 47.3% | 0.1% |
| The Loan Store, Inc. | $565,000 | $395,000 | -30.1% | 0.1% |
| FBC MORTGAGE, LLC | $1,825,000 | $385,000 | -78.9% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $385,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $370,000 | n/a | 0.1% | |
| First Federal Bank | $510,000 | $365,000 | -28.4% | 0.1% |
| Florida Capital Bank | $365,000 | n/a | 0.1% | |
| VICTORY MORTGAGE, L.L.C. | $255,000 | $365,000 | 43.1% | 0.1% |
| Farm Credit Mid-America, ACA | $2,430,000 | $360,000 | -85.2% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $135,000 | $355,000 | 163.0% | 0.1% |
| Abound Federal Credit Union | $595,000 | $330,000 | -44.5% | 0.1% |
| Encompass Lending Group, LP | $325,000 | n/a | 0.0% | |
| PREMIER LENDING, INC. | $325,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $85,000 | $320,000 | 276.5% | 0.0% |
| CLEARPATH LENDING | $315,000 | n/a | 0.0% | |
| Discover Bank | $440,000 | $310,000 | -29.5% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $955,000 | $310,000 | -67.5% | 0.0% |
| NORTH COUNTRY | $305,000 | n/a | 0.0% | |
| The Citizens National Bank of Bluffton | $305,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $1,770,000 | $295,000 | -83.3% | 0.0% |
| German American Bank | $2,240,000 | $290,000 | -87.1% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $285,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $890,000 | $275,000 | -69.1% | 0.0% |
| GUILD MORTGAGE COMPANY | $275,000 | n/a | 0.0% | |
| Heritage Federal Credit Union | $275,000 | n/a | 0.0% | |
| Peoples Bank | $275,000 | n/a | 0.0% | |
| The First National Bank of Middle Tennessee | $275,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $1,265,000 | $265,000 | -79.1% | 0.0% |
| Old Second National Bank | $265,000 | n/a | 0.0% | |
| Union Savings Bank | $265,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $345,000 | $255,000 | -26.1% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| Home Federal Bank Corporation | $250,000 | n/a | 0.0% | |
| Plains Commerce Bank | $820,000 | $245,000 | -70.1% | 0.0% |
| Commercial Bank | $235,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $235,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $1,090,000 | $235,000 | -78.4% | 0.0% |
| Cornerstone First Mortgage, Inc | $225,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $215,000 | n/a | 0.0% | |
| M&T Bank | $215,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $215,000 | n/a | 0.0% | |
| ALTRA | $35,000 | $210,000 | 500.0% | 0.0% |
| 1st National Bank | $205,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $195,000 | $205,000 | 5.1% | 0.0% |
| Legacy Home Loans, LLC | $205,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $490,000 | $205,000 | -58.2% | 0.0% |
| PUBLIX EMPLOYEES | $205,000 | n/a | 0.0% | |
| OCMBC, INC. | $195,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $190,000 | n/a | 0.0% | |
| Regions Bank | $165,000 | $190,000 | 15.2% | 0.0% |
| Figure Lending LLC | $180,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $255,000 | $175,000 | -31.4% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $175,000 | n/a | 0.0% | |
| MILEND, INC. | $175,000 | n/a | 0.0% | |
| NP, Inc. | $175,000 | n/a | 0.0% | |
| First Financial Bank | $815,000 | $165,000 | -79.8% | 0.0% |
| Citadel Servicing Corporation | $155,000 | n/a | 0.0% | |
| S1L, Inc. | $145,000 | n/a | 0.0% | |
| The Cecilian Bank | $145,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $135,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $135,000 | n/a | 0.0% | |
| KINECTA | $125,000 | n/a | 0.0% | |
| Burke & Herbert Bank & Trust Company | $115,000 | n/a | 0.0% | |
| Citizens Bank of Kentucky, Inc. | $55,000 | $115,000 | 109.1% | 0.0% |
| ZILLOW HOME LOANS, LLC | $670,000 | $105,000 | -84.3% | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | $95,000 | n/a | 0.0% | |
| First State Bank | $1,285,000 | $95,000 | -92.6% | 0.0% |
| Transportation Federal Credit Union | $95,000 | n/a | 0.0% | |
| Horizon Bank | $85,000 | n/a | 0.0% | |
| Park Lane Finance Solutions, LLC | $85,000 | n/a | 0.0% | |
| Appalachian Community Federal Credit Union | $55,000 | n/a | 0.0% | |
| CSL Financial, LLC | $115,000 | $55,000 | -52.2% | 0.0% |
| Wilmington Savings Fund Society, FSB | $45,000 | n/a | 0.0% | |
| Notre Dame Federal Credit Union Corporation | $35,000 | n/a | 0.0% |
Richmond - Berea's top lender by overall market share is T2 FINANCIAL LLC, with 6.6% market share. In second place, with 5.8%, is ARK-LA-TEX FINANCIAL SERVICES, LLC., having originated $37,650,000 in loans. In third place, with 5.3%, is QUICKEN LOANS, LLC, having originated $34,475,000 in loans. In fourth place, with 4.3%, is Traditional Bank, Inc., having originated $27,720,000 in loans. In fifth place, with 3.9%, is Whitaker Bank, having originated $25,615,000 in loans.
Richmond - Berea Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Richmond - Berea (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 | $184,550 (8.8%) | $221,723 (10.6%) | 0.00 | 348 |
| 2018-02-01 | $183,175 (11.1%) | $221,075 (10.2%) | 0.00 | 329 |
| 2018-03-01 | $188,000 (11.6%) | $227,809 (10.4%) | 0.00 | 308 |
| 2018-04-01 | $196,225 (15.8%) | $233,873 (10.5%) | 0.00 | 294 |
| 2018-05-01 | $197,950 (13.2%) | $235,809 (7.9%) | 0.00 | 318 |
| 2018-06-01 | $189,900 (8.5%) | $225,902 (1.6%) | 0.00 | 359 |
| 2018-07-01 | $189,900 (9.2%) | $223,806 (2.4%) | 0.00 | 375 |
| 2018-08-01 | $189,900 (5.6%) | $225,571 (0.8%) | 0.00 | 403 |
| 2018-09-01 | $199,900 (11.1%) | $230,878 (3.1%) | 0.00 | 406 |
| 2018-10-01 | $209,450 (16.4%) | $237,852 (8.8%) | 0.00 | 411 |
| 2018-11-01 | $199,400 (9.3%) | $238,093 (8.6%) | 0.00 | 403 |
| 2018-12-01 | $198,900 (7.6%) | $236,189 (6.3%) | 0.00 | 386 |
| 2019-01-01 | $197,250 (6.9%) | $231,249 (4.3%) | 0.00 | 348 |
| 2019-02-01 | $189,900 (3.7%) | $240,205 (8.7%) | 0.00 | 350 |
| 2019-03-01 | $192,921 (2.6%) | $244,505 (7.3%) | 0.00 | 351 |
| 2019-04-01 | $202,475 (3.2%) | $256,933 (9.9%) | 0.00 | 341 |
| 2019-05-01 | $214,175 (8.2%) | $266,795 (13.1%) | 0.00 | 322 |
| 2019-06-01 | $217,500 (14.5%) | $267,543 (18.4%) | 0.00 | 334 |
| 2019-07-01 | $219,675 (15.7%) | $270,957 (21.1%) | 0.00 | 354 |
| 2019-08-01 | $215,427 (13.4%) | $267,995 (18.8%) | 0.00 | 375 |
| 2019-09-01 | $212,318 (6.2%) | $261,743 (13.4%) | 0.00 | 406 |
| 2019-10-01 | $210,295 (0.4%) | $258,201 (8.6%) | 0.00 | 426 |
| 2019-11-01 | $215,000 (7.8%) | $258,479 (8.6%) | 0.00 | 412 |
| 2019-12-01 | $213,250 (7.2%) | $240,182 (1.7%) | 0.00 | 372 |
| 2020-01-01 | $215,000 (9.0%) | $242,740 (5.0%) | 0.00 | 350 |
| 2020-02-01 | $215,000 (13.2%) | $242,038 (0.8%) | 0.00 | 332 |
| 2020-03-01 | $219,900 (14.0%) | $251,932 (3.0%) | 0.00 | 319 |
| 2020-04-01 | $219,900 (8.6%) | $254,438 (-1.0%) | 0.00 | 315 |
| 2020-05-01 | $224,900 (5.0%) | $259,660 (-2.7%) | 0.00 | 258 |
| 2020-06-01 | $236,425 (8.7%) | $265,097 (-0.9%) | 0.00 | 216 |
| 2020-07-01 | $239,900 (9.2%) | $282,981 (4.4%) | 0.00 | 209 |
| 2020-08-01 | $229,950 (6.7%) | $314,266 (17.3%) | 0.00 | 183 |
| 2020-09-01 | $231,175 (8.9%) | $359,347 (37.3%) | 0.00 | 177 |
| 2020-10-01 | $239,900 (14.1%) | $321,011 (24.3%) | 0.00 | 177 |
| 2020-11-01 | $236,400 (10.0%) | $316,387 (22.4%) | 0.00 | 185 |
| 2020-12-01 | $232,400 (9.0%) | $309,929 (29.0%) | 0.00 | 177 |
| 2021-01-01 | $234,900 (9.3%) | $319,568 (31.7%) | 0.00 | 165 |
| 2021-02-01 | $246,975 (14.9%) | $330,647 (36.6%) | 0.00 | 144 |
| 2021-03-01 | $254,161 (15.6%) | $349,012 (38.5%) | 0.00 | 127 |
| 2021-04-01 | $245,675 (11.7%) | $351,637 (38.2%) | 0.00 | 113 |
| 2021-05-01 | $269,900 (20.0%) | $365,079 (40.6%) | 0.00 | 114 |
| 2021-06-01 | $253,911 (7.4%) | $325,541 (22.8%) | 0.00 | 144 |
| 2021-07-01 | $249,900 (4.2%) | $323,568 (14.3%) | 0.00 | 156 |
| 2021-08-01 | $242,950 (5.7%) | $276,257 (-12.1%) | 0.00 | 224 |
| 2021-09-01 | $240,450 (4.0%) | $286,127 (-20.4%) | 0.00 | 222 |
| 2021-10-01 | $244,450 (1.9%) | $280,558 (-12.6%) | 0.00 | 222 |
| 2021-11-01 | $246,450 (4.3%) | $281,097 (-11.2%) | 0.00 | 210 |
| 2021-12-01 | $249,900 (7.5%) | $300,302 (-3.1%) | 0.00 | 180 |
| 2022-01-01 | $249,900 (6.4%) | $304,452 (-4.7%) | 0.00 | 148 |
| 2022-02-01 | $259,900 (5.2%) | $323,945 (-2.0%) | 0.00 | 113 |
| 2022-03-01 | $267,400 (5.2%) | $336,781 (-3.5%) | 0.00 | 110 |
| 2022-04-01 | $269,900 (9.9%) | $348,121 (-1.0%) | 0.00 | 111 |
| 2022-05-01 | $290,700 (7.7%) | $342,252 (-6.3%) | 0.00 | 148 |
| 2022-06-01 | $288,500 (13.6%) | $339,414 (4.3%) | 0.00 | 193 |
| 2022-07-01 | $275,000 (10.0%) | $330,721 (2.2%) | 0.00 | 214 |
| 2022-08-01 | $289,950 (19.4%) | $340,895 (23.4%) | 0.00 | 228 |
| 2022-09-01 | $294,725 (22.6%) | $348,842 (21.9%) | 0.00 | 251 |
| 2022-10-01 | $299,900 (22.7%) | $353,670 (26.1%) | 0.00 | 283 |
| 2022-11-01 | $294,425 (19.5%) | $337,107 (19.9%) | 0.00 | 293 |
| 2022-12-01 | $289,900 (16.0%) | $333,892 (11.2%) | 0.00 | 278 |
| 2023-01-01 | $289,900 (16.0%) | $342,076 (12.4%) | 0.00 | 263 |
| 2023-02-01 | $302,895 (16.5%) | $368,416 (13.7%) | 0.00 | 231 |
| 2023-03-01 | $314,925 (17.8%) | $377,959 (12.2%) | 0.00 | 215 |
| 2023-04-01 | $305,841 (13.3%) | $377,813 (8.5%) | 0.00 | 180 |
| 2023-05-01 | $310,225 (6.7%) | $384,077 (12.2%) | 0.00 | 175 |
| 2023-06-01 | $316,175 (9.6%) | $373,318 (10.0%) | 0.00 | 187 |
| 2023-07-01 | $317,450 (15.4%) | $364,377 (10.2%) | 0.00 | 199 |
| 2023-08-01 | $321,682 (10.9%) | $367,088 (7.7%) | 0.00 | 200 |
| 2023-09-01 | $309,900 (5.2%) | $351,595 (0.8%) | 0.00 | 217 |
| 2023-10-01 | $304,950 (1.7%) | $347,954 (-1.6%) | 0.00 | 242 |
| 2023-11-01 | $318,450 (8.2%) | $360,991 (7.1%) | 0.00 | 267 |
| 2023-12-01 | $319,900 (10.4%) | $360,155 (7.9%) | 0.00 | 241 |
| 2024-01-01 | $316,975 (9.3%) | $366,816 (7.2%) | 0.00 | 238 |
| 2024-02-01 | $321,525 (6.2%) | $368,802 (0.1%) | 0.00 | 242 |
| 2024-03-01 | $319,900 (1.6%) | $375,279 (-0.7%) | 0.00 | 215 |
| 2024-04-01 | $314,950 (3.0%) | $377,771 (0.0%) | 0.00 | 204 |
| 2024-05-01 | $318,911 (2.8%) | $375,571 (-2.2%) | 0.00 | 212 |
| 2024-06-01 | $312,450 (-1.2%) | $363,212 (-2.7%) | 0.00 | 229 |
| 2024-07-01 | $308,950 (-2.7%) | $353,703 (-2.9%) | 0.00 | 278 |
| 2024-08-01 | $300,000 (-6.7%) | $355,361 (-3.2%) | 0.00 | 335 |
| 2024-09-01 | $300,900 (-2.9%) | $356,076 (1.3%) | 0.00 | 359 |
| 2024-10-01 | $301,382 (-1.2%) | $358,076 (2.9%) | 0.00 | 346 |
| 2024-11-01 | $305,900 (-3.9%) | $358,798 (-0.6%) | 0.00 | 365 |
| 2024-12-01 | $302,500 (-5.4%) | $345,853 (-4.0%) | 0.00 | 333 |
| 2025-01-01 | $299,900 (-5.4%) | $356,479 (-2.8%) | 0.00 | 324 |
| 2025-02-01 | $307,900 (-4.2%) | $360,360 (-2.3%) | 0.00 | 319 |
| 2025-03-01 | $325,000 (1.6%) | $374,162 (-0.3%) | 0.00 | 317 |
| 2025-04-01 | $329,925 (4.8%) | $383,518 (1.5%) | 0.00 | 325 |
| 2025-05-01 | $329,900 (3.5%) | $381,635 (1.6%) | 0.00 | 327 |
| 2025-06-01 | $332,191 (6.3%) | $388,154 (6.9%) | 0.00 | 319 |
| 2025-07-01 | $328,500 (6.3%) | $387,301 (9.5%) | 0.00 | 345 |
| 2025-08-01 | $324,950 (8.3%) | $368,558 (3.7%) | 0.00 | 359 |
| 2025-09-01 | $319,900 (6.3%) | $359,696 (1.0%) | 0.00 | 394 |
| 2025-10-01 | $322,750 (7.1%) | $376,719 (5.2%) | 0.00 | 398 |
| 2025-11-01 | $319,900 (4.6%) | $378,120 (5.4%) | 0.00 | 420 |
| 2025-12-01 | $314,950 (4.1%) | $372,836 (7.8%) | 0.00 | 405 |
| 2026-01-01 | $319,000 (6.4%) | $379,747 (6.5%) | 0.00 | 363 |
| 2026-02-01 | $318,000 (3.3%) | $372,505 (3.4%) | 0.00 | 347 |
| 2026-03-01 | $319,125 (-1.8%) | $376,751 (0.7%) | 0.00 | 365 |
| 2026-04-01 | $329,450 (-0.1%) | $386,617 (0.8%) | 0.00 | 363 |
| 2026-05-01 | $329,900 (0.0%) | $396,394 (3.9%) | 0.00 | 364 |
| 2026-06-01 | $332,450 (0.1%) | $403,534 (4.0%) | 0.00 | 361 |
| 2026-07-01 | $329,125 (0.2%) | $390,942 (0.9%) | 0.00 | 376 |
| 2026-08-01 | $334,900 (3.1%) | $398,563 (8.1%) | 0.00 | 396 |
| 2026-09-01 | $336,900 (5.3%) | $404,483 (12.5%) | 0.00 | 420 |
| 2026-10-01 | $330,000 (2.3%) | $395,526 (5.0%) | 0.00 | 461 |
Richmond - Berea's median listing price for 2026-10-01 was $330,000, a difference of
$7,250
(2.3%) versus the prior year and
$-6,900 versus the prior month.
Richmond - Berea's median listing price comes in at 0% of the national average.
Richmond - Berea's average listing price for 2026-10-01 was $395,526, a difference of $18,807 (5.0%) versus the prior year and $-8,957 versus the prior month.
For the 2026-10-01 period, Richmond - Berea had 461 MLS listings, a difference of 41 listings (10%) versus the prior month and 63 listings (16%) versus the prior year.
Richmond - Berea's median listing price comes in at 0% of the national average.
Richmond - Berea's average listing price for 2026-10-01 was $395,526, a difference of $18,807 (5.0%) versus the prior year and $-8,957 versus the prior month.
For the 2026-10-01 period, Richmond - Berea had 461 MLS listings, a difference of 41 listings (10%) versus the prior month and 63 listings (16%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Richmond - Berea (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,984 sqft |
| 2018-02-01 | 0 days | 1,962 sqft |
| 2018-03-01 | 0 days | 1,931 sqft |
| 2018-04-01 | 0 days | 1,991 sqft |
| 2018-05-01 | 0 days | 2,000 sqft |
| 2018-06-01 | 0 days | 1,940 sqft |
| 2018-07-01 | 0 days | 1,997 sqft |
| 2018-08-01 | 0 days | 1,944 sqft |
| 2018-09-01 | 0 days | 1,973 sqft |
| 2018-10-01 | 0 days | 1,991 sqft |
| 2018-11-01 | 0 days | 1,944 sqft |
| 2018-12-01 | 0 days | 1,900 sqft |
| 2019-01-01 | 0 days | 1,907 sqft |
| 2019-02-01 | 0 days | 1,851 sqft |
| 2019-03-01 | 0 days | 1,878 sqft |
| 2019-04-01 | 0 days | 1,943 sqft |
| 2019-05-01 | 0 days | 2,022 sqft |
| 2019-06-01 | 0 days | 2,005 sqft |
| 2019-07-01 | 0 days | 2,029 sqft |
| 2019-08-01 | 0 days | 2,005 sqft |
| 2019-09-01 | 0 days | 1,993 sqft |
| 2019-10-01 | 0 days | 1,985 sqft |
| 2019-11-01 | 0 days | 1,929 sqft |
| 2019-12-01 | 0 days | 1,866 sqft |
| 2020-01-01 | 0 days | 1,860 sqft |
| 2020-02-01 | 0 days | 1,860 sqft |
| 2020-03-01 | 0 days | 1,936 sqft |
| 2020-04-01 | 0 days | 1,982 sqft |
| 2020-05-01 | 0 days | 1,888 sqft |
| 2020-06-01 | 0 days | 1,916 sqft |
| 2020-07-01 | 0 days | 1,864 sqft |
| 2020-08-01 | 0 days | 1,939 sqft |
| 2020-09-01 | 0 days | 1,982 sqft |
| 2020-10-01 | 0 days | 2,000 sqft |
| 2020-11-01 | 0 days | 1,909 sqft |
| 2020-12-01 | 0 days | 1,835 sqft |
| 2021-01-01 | 0 days | 1,862 sqft |
| 2021-02-01 | 0 days | 1,953 sqft |
| 2021-03-01 | 0 days | 1,989 sqft |
| 2021-04-01 | 0 days | 1,961 sqft |
| 2021-05-01 | 0 days | 1,935 sqft |
| 2021-06-01 | 0 days | 1,938 sqft |
| 2021-07-01 | 0 days | 1,872 sqft |
| 2021-08-01 | 0 days | 1,815 sqft |
| 2021-09-01 | 0 days | 1,770 sqft |
| 2021-10-01 | 0 days | 1,770 sqft |
| 2021-11-01 | 0 days | 1,810 sqft |
| 2021-12-01 | 0 days | 1,800 sqft |
| 2022-01-01 | 0 days | 1,745 sqft |
| 2022-02-01 | 0 days | 1,730 sqft |
| 2022-03-01 | 0 days | 1,715 sqft |
| 2022-04-01 | 0 days | 1,774 sqft |
| 2022-05-01 | 0 days | 1,730 sqft |
| 2022-06-01 | 0 days | 1,787 sqft |
| 2022-07-01 | 0 days | 1,760 sqft |
| 2022-08-01 | 0 days | 1,797 sqft |
| 2022-09-01 | 0 days | 1,817 sqft |
| 2022-10-01 | 0 days | 1,813 sqft |
| 2022-11-01 | 0 days | 1,800 sqft |
| 2022-12-01 | 0 days | 1,742 sqft |
| 2023-01-01 | 0 days | 1,743 sqft |
| 2023-02-01 | 0 days | 1,795 sqft |
| 2023-03-01 | 0 days | 1,916 sqft |
| 2023-04-01 | 0 days | 1,886 sqft |
| 2023-05-01 | 0 days | 1,898 sqft |
| 2023-06-01 | 0 days | 1,878 sqft |
| 2023-07-01 | 0 days | 1,894 sqft |
| 2023-08-01 | 0 days | 1,840 sqft |
| 2023-09-01 | 0 days | 1,820 sqft |
| 2023-10-01 | 0 days | 1,805 sqft |
| 2023-11-01 | 0 days | 1,816 sqft |
| 2023-12-01 | 0 days | 1,810 sqft |
| 2024-01-01 | 0 days | 1,802 sqft |
| 2024-02-01 | 0 days | 1,786 sqft |
| 2024-03-01 | 0 days | 1,800 sqft |
| 2024-04-01 | 0 days | 1,762 sqft |
| 2024-05-01 | 0 days | 1,785 sqft |
| 2024-06-01 | 0 days | 1,793 sqft |
| 2024-07-01 | 0 days | 1,794 sqft |
| 2024-08-01 | 0 days | 1,800 sqft |
| 2024-09-01 | 0 days | 1,800 sqft |
| 2024-10-01 | 0 days | 1,772 sqft |
| 2024-11-01 | 0 days | 1,734 sqft |
| 2024-12-01 | 0 days | 1,708 sqft |
| 2025-01-01 | 0 days | 1,655 sqft |
| 2025-02-01 | 0 days | 1,680 sqft |
| 2025-03-01 | 0 days | 1,798 sqft |
| 2025-04-01 | 0 days | 1,797 sqft |
| 2025-05-01 | 0 days | 1,811 sqft |
| 2025-06-01 | 0 days | 1,815 sqft |
| 2025-07-01 | 0 days | 1,800 sqft |
| 2025-08-01 | 0 days | 1,800 sqft |
| 2025-09-01 | 0 days | 1,754 sqft |
| 2025-10-01 | 0 days | 1,751 sqft |
| 2025-11-01 | 0 days | 1,700 sqft |
| 2025-12-01 | 0 days | 1,680 sqft |
| 2026-01-01 | 0 days | 1,700 sqft |
| 2026-02-01 | 0 days | 1,698 sqft |
| 2026-03-01 | 0 days | 1,737 sqft |
| 2026-04-01 | 0 days | 1,760 sqft |
| 2026-05-01 | 0 days | 1,798 sqft |
| 2026-06-01 | 0 days | 1,825 sqft |
| 2026-07-01 | 0 days | 1,806 sqft |
| 2026-08-01 | 0 days | 1,830 sqft |
| 2026-09-01 | 0 days | 1,842 sqft |
| 2026-10-01 | 0 days | 1,838 sqft |
Richmond - Berea's median listing age (time on market) for 2026-10-01 was 0 days.
Richmond - Berea's median square footage for active listings during the 2026-10-01 period was 1,838 sqft. One year prior, the average listing was 1,751 sqft.
Richmond - Berea's median square footage for active listings during the 2026-10-01 period was 1,838 sqft. One year prior, the average listing was 1,751 sqft.
Richmond-Berea, KY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,433 | $423,525,000 | $295,551 |
| Refi | 435 | $128,145,000 | $294,586 |
| Cash Out Refi | 307 | $59,505,000 | $193,827 |
| Home Improvement | 245 | $20,775,000 | $84,796 |
| Other | 216 | $18,420,000 | $85,278 |
| NA | 1 | $125,000 | $125,000 |
Richmond - Berea's most frequently cited loan purpose was Home Purchase, with 1,433 originations. The 2nd most popular reason was Refi, with 435 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,207 | $318,725,000 | $264,064 |
| 7-8% | 456 | $119,120,000 | $261,228 |
| 5-6% | 437 | $119,875,000 | $274,314 |
| Over 8% | 301 | $24,995,000 | $83,040 |
| 3-4% | 45 | $3,355,000 | $74,556 |
| 4-5% | 28 | $4,590,000 | $163,929 |
| <2.5% | 18 | $1,310,000 | $72,778 |
| 2.5-3% | 2 | $200,000 | $100,000 |
During 2025, Richmond - Berea's most frequently originated rate bucket was 6-7%, with 1,207 originations.
Loan Sizing (Richmond-Berea, KY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,140 | $314,720,000 | $276,070 |
| $100k-200k | 675 | $101,425,000 | $150,259 |
| $100,000 or less | 583 | $30,625,000 | $52,530 |
| $400k-600k | 160 | $74,650,000 | $466,563 |
| $600k-1000k | 52 | $37,130,000 | $714,038 |
| $Over $1MM | 27 | $91,945,000 | $3,405,370 |
Richmond - Berea's loan sizing saw the bucket of loans from $200k-400k with 1,140 originations, totaling $314,720,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,063 | $304,315,000 | $286,279 |
| 60-80% | 458 | $160,290,000 | $349,978 |
| 20-40% | 327 | $33,555,000 | $102,615 |
| Under 20% | 313 | $13,295,000 | $42,476 |
| 40-60% | 219 | $45,645,000 | $208,425 |
| Over 100% | 46 | $15,900,000 | $345,652 |
Richmond - Berea's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,063 originations, totaling $304,315,000 in origination value.