Top Mortgage Lenders in Bardstown, KY

Which mortgage lender in the Bardstown, KY area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Bardstown, KY area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Bardstown, KY area in terms of interest rate is Magnolia Bank, with an average “Rate Difference” of -0.05%. This means that, comparing similar borrowers, Magnolia Bank provided a -0.05% lower interest rate for its customers than other lenders in the area. Magnolia Bank has a market share of 12.4%. On the other hand, the most popular lender in the Bardstown, KY area is Stockton Mortgage, with a larger market share of 31.7%. Stockton Mortgage is also a relatively cheap lender, with a “Rate Difference” of -0.03% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Magnolia Bank. The cheapest VA mortgage provider is PNC Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Bardstown, KY

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.05%(3.5)12.37%
Stockton Mortgage-0.03%(3.5)31.66%
Commonwealth Bank and Trust Company-0.02%(3.5)11.74%
US Bank0.01%(3.5)7.34%
Quicken Loans0.03%(3.5)21.38%
Fairway Independent Mortgage Corporation0.06%(3.0)6.50%
PNC Bank0.07%(3.0)9.01%
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.06%(4.0)15.35%
US Bank-0.01%(3.5)7.09%
Commonwealth Bank and Trust Company-0.01%(3.5)16.54%
Stockton Mortgage0.01%(3.5)33.86%
PNC Bank0.01%(3.5)4.72%
Quicken Loans0.01%(3.5)11.02%
Fairway Independent Mortgage Corporation0.06%(3.0)11.42%
Lender NameRate DifferenceRate RatingMarket Share
Stockton Mortgage-0.08%(4.0)29.15%
Commonwealth Bank and Trust Company-0.05%(3.5)6.28%
Magnolia Bank-0.03%(3.5)8.97%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.90%
US Bank0.04%(3.5)7.62%
Quicken Loans0.04%(3.5)33.18%
PNC Bank0.09%(3.0)13.90%
Lender NameRate DifferenceRate RatingMarket Share
Stockton Mortgage-0.08%(4.0)30.28%
Commonwealth Bank and Trust Company-0.04%(3.5)12.32%
Magnolia Bank-0.02%(3.5)10.21%
US Bank0.01%(3.5)11.97%
Fairway Independent Mortgage Corporation0.03%(3.5)3.52%
PNC Bank0.08%(3.0)13.73%
Quicken Loans0.09%(3.0)17.96%
Lender NameRate DifferenceRate RatingMarket Share
Stockton Mortgage-0.02%(3.5)27.83%
Commonwealth Bank and Trust Company-0.02%(3.5)21.74%
US Bank-0.01%(3.5)14.78%
Magnolia Bank0.01%(3.5)12.17%
Quicken Loans0.03%(3.5)9.57%
PNC Bank0.04%(3.5)6.96%
Fairway Independent Mortgage Corporation0.05%(3.0)6.96%
Lender NameRate DifferenceRate RatingMarket Share
Stockton Mortgage-0.11%(4.0)31.95%
Commonwealth Bank and Trust Company-0.07%(4.0)5.92%
Magnolia Bank-0.04%(3.5)8.88%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.18%
US Bank0.03%(3.5)10.06%
PNC Bank0.08%(3.0)18.34%
Quicken Loans0.10%(3.0)23.67%
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.11%(4.0)14.57%
Quicken Loans-0.03%(3.5)23.18%
PNC Bank-0.02%(3.5)1.32%
Commonwealth Bank and Trust Company0.01%(3.5)11.92%
Stockton Mortgage0.03%(3.5)36.42%
Fairway Independent Mortgage Corporation0.08%(3.0)12.58%
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.13%(4.0)17.09%
PNC Bank-0.03%(3.5)1.71%
Quicken Loans-0.00%(3.5)11.11%
Commonwealth Bank and Trust Company0.01%(3.5)11.97%
Stockton Mortgage0.03%(3.5)41.88%
Fairway Independent Mortgage Corporation0.07%(3.0)16.24%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.02%(3.5)64.71%
Commonwealth Bank and Trust Company0.03%(3.5)11.76%
Stockton Mortgage0.03%(3.5)17.65%
Magnolia Bank0.05%(3.5)5.88%
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Lender NameRate DifferenceRate RatingMarket Share
PNC Bank-0.02%(3.5)4.76%
Commonwealth Bank and Trust Company-0.02%(3.5)7.14%
Magnolia Bank-0.01%(3.5)19.05%
Quicken Loans-0.00%(3.5)38.10%
Fairway Independent Mortgage Corporation0.00%(3.5)4.76%
US Bank0.01%(3.5)2.38%
Stockton Mortgage0.02%(3.5)23.81%
Lender NameRate DifferenceRate RatingMarket Share
PNC Bank-0.02%(3.5)9.09%
Commonwealth Bank and Trust Company-0.02%(3.5)13.64%
Quicken Loans-0.01%(3.5)18.18%
Magnolia Bank-0.01%(3.5)22.73%
Fairway Independent Mortgage Corporation0.01%(3.5)9.09%
US Bank0.01%(3.5)4.55%
Stockton Mortgage0.04%(3.5)22.73%
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.01%(3.5)15.00%
Stockton Mortgage-0.00%(3.5)25.00%
Quicken Loans0.00%(3.5)60.00%

* 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 of the data is 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 conditional on the commuting zone, 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.

Mortgage Lender Rankings in Other Cities

This page contains information about the top mortgage lenders in the Bardstown, KY area. For mortgage lender rankings in other cities, click here.