Top Mortgage Lenders in the Bardstown, KY area

Which mortgage lender in the Bardstown, KY area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Bardstown, KY area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Bardstown, KY area is Magnolia Bank Incorporated, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.05%. This means that Magnolia Bank Incorporated provided a -0.05% lower interest rate for its customers than other lenders in Bardstown, KY for a similar set of borrowers. Magnolia Bank Incorporated has a market share of 10.1%. On the other hand, the most popular lender in the market is Stockton Mortgage Corporation, with a market share of 25.9%. Stockton Mortgage Corporation is also a relatively cheap lender, with a “Rate Difference” of -0.03% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Bardstown, KY area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Bardstown, KY is Stockton Mortgage Corporation. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Magnolia Bank Incorporated. The cheapest VA mortgage provider is Citizens Bank. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Magnolia Bank Incorporated 1, -0.05% 10.12%
Citizens Bank 2, -0.04% 5.83%
Stockton Mortgage Corporation 3, -0.03% 25.90%
Commonwealth Bank and Trust Company 4, -0.02% 9.61%
Us Bank 5, 0.01% 6.00%
Century Mortgage Company DBA Century Lending Company 6, 0.02% 12.35%
Quicken Loans 7, 0.03% 17.50%
Fairway Independent Mort Corp 8, 0.06% 5.32%
Pnc Bank 9, 0.07% 7.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Magnolia Bank Incorporated 1, -0.06% 11.54%
Citizens Bank 2, -0.04% 7.10%
Us Bank 3, -0.02% 5.33%
Commonwealth Bank and Trust Company 4, -0.01% 12.43%
Stockton Mortgage Corporation 5, 0.01% 25.44%
Pnc Bank 6, 0.01% 3.55%
Quicken Loans 7, 0.01% 8.28%
Century Mortgage Company DBA Century Lending Company 8, 0.02% 17.75%
Fairway Independent Mort Corp 9, 0.06% 8.58%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockton Mortgage Corporation 1, -0.08% 26.53%
Citizens Bank 2, -0.05% 4.08%
Commonwealth Bank and Trust Company 3, -0.04% 5.71%
Magnolia Bank Incorporated 4, -0.02% 8.16%
Fairway Independent Mort Corp 5, -0.01% 0.82%
Century Mortgage Company DBA Century Lending Company 6, 0.00% 4.90%
Us Bank 7, 0.04% 6.94%
Quicken Loans 8, 0.04% 30.20%
Pnc Bank 9, 0.09% 12.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockton Mortgage Corporation 1, -0.08% 24.64%
Commonwealth Bank and Trust Company 2, -0.04% 10.03%
Citizens Bank 3, -0.03% 7.45%
Magnolia Bank Incorporated 4, -0.02% 8.31%
Us Bank 5, 0.01% 9.74%
Century Mortgage Company DBA Century Lending Company 6, 0.02% 11.17%
Fairway Independent Mort Corp 7, 0.03% 2.87%
Pnc Bank 8, 0.08% 11.17%
Quicken Loans 9, 0.09% 14.61%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockton Mortgage Corporation 1, -0.03% 19.63%
Commonwealth Bank and Trust Company 2, -0.02% 15.34%
Citizens Bank 3, -0.02% 10.43%
Us Bank 4, -0.01% 10.43%
Magnolia Bank Incorporated 5, 0.01% 8.59%
Century Mortgage Company DBA Century Lending Company 6, 0.03% 19.02%
Quicken Loans 7, 0.03% 6.75%
Pnc Bank 8, 0.03% 4.91%
Fairway Independent Mort Corp 9, 0.05% 4.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stockton Mortgage Corporation 1, -0.10% 29.03%
Commonwealth Bank and Trust Company 2, -0.06% 5.38%
Citizens Bank 3, -0.06% 4.84%
Magnolia Bank Incorporated 4, -0.04% 8.06%
Fairway Independent Mort Corp 5, -0.01% 1.08%
Century Mortgage Company DBA Century Lending Company 6, -0.01% 4.30%
Us Bank 7, 0.04% 9.14%
Pnc Bank 8, 0.09% 16.67%
Quicken Loans 9, 0.10% 21.51%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Magnolia Bank Incorporated 1, -0.11% 12.09%
Citizens Bank 2, -0.09% 2.75%
Quicken Loans 3, -0.03% 19.23%
Pnc Bank 4, -0.02% 1.10%
Commonwealth Bank and Trust Company 5, 0.01% 9.89%
Century Mortgage Company DBA Century Lending Company 6, 0.02% 14.29%
Stockton Mortgage Corporation 7, 0.03% 30.22%
Fairway Independent Mort Corp 8, 0.08% 10.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Magnolia Bank Incorporated 1, -0.13% 13.70%
Citizens Bank 2, -0.10% 3.42%
Pnc Bank 3, -0.03% 1.37%
Quicken Loans 4, 0.00% 8.90%
Commonwealth Bank and Trust Company 5, 0.01% 9.59%
Century Mortgage Company DBA Century Lending Company 6, 0.02% 16.44%
Stockton Mortgage Corporation 7, 0.03% 33.56%
Fairway Independent Mort Corp 8, 0.07% 13.01%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 61.11%
Commonwealth Bank and Trust Company 2, 0.03% 11.11%
Stockton Mortgage Corporation 3, 0.03% 16.67%
Century Mortgage Company DBA Century Lending Company 4, 0.04% 5.56%
Magnolia Bank Incorporated 5, 0.05% 5.56%
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Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.02% 5.77%
Pnc Bank 2, -0.02% 3.85%
Commonwealth Bank and Trust Company 3, -0.02% 5.77%
Magnolia Bank Incorporated 4, -0.01% 15.38%
Century Mortgage Company DBA Century Lending Company 5, -0.00% 13.46%
Quicken Loans 6, 0.00% 30.77%
Fairway Independent Mort Corp 7, 0.01% 3.85%
Us Bank 8, 0.01% 1.92%
Stockton Mortgage Corporation 9, 0.02% 19.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.03% 6.90%
Pnc Bank 2, -0.02% 6.90%
Commonwealth Bank and Trust Company 3, -0.02% 10.34%
Quicken Loans 4, -0.01% 13.79%
Magnolia Bank Incorporated 5, -0.01% 17.24%
Century Mortgage Company DBA Century Lending Company 6, 0.00% 17.24%
Fairway Independent Mort Corp 7, 0.01% 6.90%
Us Bank 8, 0.01% 3.45%
Stockton Mortgage Corporation 9, 0.04% 17.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.02% 4.35%
Century Mortgage Company DBA Century Lending Company 2, -0.02% 8.70%
Magnolia Bank Incorporated 3, -0.00% 13.04%
Stockton Mortgage Corporation 4, -0.00% 21.74%
Quicken Loans 5, 0.01% 52.17%

* Data is compiled for the Bardstown, KY commuting zone area, which comprises of counties of Marion County, KY, Nelson County, KY, and Washington County, KY. This includes cities/towns/communities of Bardstown, KY as well as Lebanon, KY, Springfield, KY, Bloomfield, KY, New Haven, KY, Boston, KY, Loretto, KY, Willisburg, KY, Mackville, KY, Raywick, KY, and Bradfordsville, KY. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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