OWENSBORO Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Owensboro averaged 6.64% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.85% and one month ago for the week of 2025-02-27, the average rate was 6.56%.

    Owensboro's average rate one year ago was 6.69%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.54%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Owensboro 30 Year Fixed Rate 2025-04-03 6.64%
    Owensboro 30 Year Fixed Rate Refi 2025-04-03 6.54%
    Owensboro 15 Year Fixed Rate 2025-04-03 5.82%
    Owensboro 15 Year Fixed Rate Refi 2025-04-03 6.02%
    Owensboro 30 Year FHA 2025-04-03 6.16%
    Owensboro 30 Year FHA Refi 2025-04-03 6.46%
    Owensboro 30 Year USDA 2025-04-03 6.52%
    Owensboro 30 Year USDA Refi 2025-04-03 6.32%
    Owensboro 30 Year VA 2025-04-03 6.11%
    Owensboro 30 Year VA Refi 2025-04-03 6.26%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within OWENSBORO, KY.

    OWENSBORO 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 OWENSBORO, 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
    EVANSVILLE TEACHERS 274 6.71% $3,060
    U.S. Bank 55 6.64% $3,424
    Independence Bank of Kentucky 49 6.66% $3,219
    Old National Bank 43 6.31% $3,421
    UNITED WHOLESALE MORTGAGE, LLC 39 6.78% $5,762
    QUICKEN LOANS, LLC 29 6.83% $5,773
    Farm Credit Mid-America, ACA 15 7.17% $6,347
    SOUTH CENTRAL BANK, INC. 15 6.63% $3,168
    JPMorgan Chase Bank 14 7.01% $4,336
    German American Bank 14 6.81% $3,025
    Abound Federal Credit Union 12 5.97% $3,129
    Heritage Federal Credit Union 11 6.89% $2,938
    CHURCHILL MORTGAGE CORPORATION 11 6.85% $4,241
    RUOFF MORTGAGE COMPANY, INC. 10 6.43% $3,483
    Bank of England 9 6.57% $4,982
    Truist 8 6.73% $4,059
    BROKER SOLUTIONS, INC. 8 6.98% $5,114
    Magnolia Bank 8 6.89% $6,408
    Fifth Third Bank 8 6.61% $3,756
    HOMESIDE FINANCIAL, LLC 7 7.18% $4,468
    LEADERONE FINANCIAL CORPORATION 6 6.85% $5,285
    First Federal Savings Bank 6 6.13% $5,301
    FBC MORTGAGE, LLC 6 5.94% $4,627
    NAVY FEDERAL CREDIT UNION 4 7.13% $3,193
    STOCKTON MORTGAGE CORPORATION 4 6.25% $4,233
    AMERISAVE MORTGAGE CORPORATION 3 7.17% $6,148
    PNC Bank 3 6.42% $4,206
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 7.92% $7,576
    Northpointe Bank 3 8.38% $7,775
    21ST MORTGAGE CORPORATION 2 8.97% $6,129
    Bank of America 2 5.69% $3,959
    Gateway First Bank 2 6.13% $5,967
    LOANDEPOT.COM, LLC 2 6.75% $4,030
    MORTGAGE MASTERS OF INDIANA, INC. 2 6.69% $4,660
    Mr. Cooper ( Nationstar Mortgage ) 2 6.99% $3,878
    Peoples Bank 2 6.25% $3,021
    PLAZA HOME MORTGAGE, INC. 2 6.75% $3,157
    SIRVA MORTGAGE, INC. 2 6.56% $0
    The Loan Store, Inc. 2 7.06% $5,887
    UNION HOME MORTGAGE CORP. 2 6.31% $3,665
    LOANFLIGHT LENDING, LLC 1 7.49% $7,247
    Discover Bank 1 8.61% $0
    MORTGAGE ACCESS CORP. 1 7.88% $2,344
    ZILLOW HOME LOANS, LLC 1 7.13% $4,008
    Mortgage Research Center, LLC 1 7.13% $6,727
    MOVEMENT MORTGAGE, LLC 1 7.38% $4,243
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.88% $3,834
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $7,161
    DEEPHAVEN MORTGAGE LLC 1 7.88% $12,262
    NEWREZ LLC 1 7.63% $2,946
    CROSSCOUNTRY MORTGAGE, LLC 1 7.63% $4,241
    Cornerstone National Bank & Trust Company 1 6.99% $3,636
    USAA Federal Savings Bank 1 7.38% $2,928
    Plains Commerce Bank 1 6.63% $4,032
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.50% $11,495
    Community Trust Bank, Inc. 1 6.63% $2,673
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.88% $3,964
    Community Mortgage Banc Corporation 1 7.50% $4,023
    Republic Bank & Trust Company 1 6.63% $8,081
    ROYAL UNITED MORTGAGE LLC 1 6.75% $9,721
    COMMONWEALTH 1 6.88% $3,483
    Servion, Inc. 1 6.63% $3,712
    American Mortgage & Equity Consultants, Inc. 1 6.99% $4,281
    Central Bank 1 6.75% $2,296
    Carrington Mortgage Services, LLC 1 6.13% $4,624
    The Cecilian Bank 1 6.37% $2,875
    The Huntington National Bank 1 5.88% $3,945
    Wells Fargo Bank 1 7.13% $3,295
    Beeline Loans, Inc. 1 6.38% $4,332
    UBS Bank USA 1 7.38% $3,320
    GERSHMAN INVESTMENT CORP. 1 6.00% $3,190
    First Harrison Bank 1 7.25% $3,979
    First Financial Bank 1 7.63% $3,089
    FIRST COMMUNITY MORTGAGE, INC. 1 7.38% $3,633
    INTERLINC MORTGAGE SERVICES, LLC 1 7.50% $5,063
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.49% $5,856
    EASTMAN 1 5.63% $3,554
    UIF CORPORATION 1 7.13% $5,103

    OWENSBORO Average Closing Costs & Other Stats

    OWENSBORO, KY's 78 lenders originated 2,602 loans during 2024. The total origination value was $434,110,000, with an average loan value of $166,837.

    OWENSBORO's average closing costs are $4,137.

    The top OWENSBORO lender as defined by loan originations is EVANSVILLE TEACHERS, with 274 loans originated. Their average total fees are $3,060, which is $364 lower than the next largest lender, U.S. Bank.

    The lowest fee OWENSBORO lenders (with over 10 loans originated) are Heritage Federal Credit Union ($2,938), German American Bank ($3,025), EVANSVILLE TEACHERS ($3,060), Abound Federal Credit Union ($3,129) and SOUTH CENTRAL BANK, INC. ($3,168).

    The lowest rate OWENSBORO lenders (with over 10 loans originated) are Abound Federal Credit Union (5.97%), Old National Bank (6.31%), RUOFF MORTGAGE COMPANY, INC. (6.43%), SOUTH CENTRAL BANK, INC. (6.63%) and U.S. Bank (6.64%).

    OWENSBORO, 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
    EVANSVILLE TEACHERS $107,920,000 $123,700,000 14.6% 28.5%
    Independence Bank of Kentucky $35,060,000 $31,885,000 -9.1% 7.3%
    Old National Bank $19,885,000 $21,435,000 7.8% 4.9%
    UNITED WHOLESALE MORTGAGE, LLC $9,045,000 $20,865,000 130.7% 4.8%
    U.S. Bank $14,925,000 $19,250,000 29.0% 4.4%
    QUICKEN LOANS, LLC $15,355,000 $18,105,000 17.9% 4.2%
    FBC MORTGAGE, LLC $12,060,000 $17,235,000 42.9% 4.0%
    SOUTH CENTRAL BANK, INC. $11,635,000 $15,920,000 36.8% 3.7%
    German American Bank $17,020,000 $10,315,000 -39.4% 2.4%
    Mortgage Research Center, LLC $6,610,000 $10,100,000 52.8% 2.3%
    Banterra Bank $8,630,000 n/a 2.0%
    Farm Credit Mid-America, ACA $3,745,000 $7,240,000 93.3% 1.7%
    PENNYMAC LOAN SERVICES, LLC $1,385,000 $4,985,000 259.9% 1.1%
    Fifth Third Bank $4,275,000 $4,895,000 14.5% 1.1%
    BROKER SOLUTIONS, INC. $1,160,000 $4,805,000 314.2% 1.1%
    Truist $6,475,000 $4,600,000 -29.0% 1.1%
    RUOFF MORTGAGE COMPANY, INC. $10,855,000 $3,960,000 -63.5% 0.9%
    Heritage Federal Credit Union $1,725,000 $3,955,000 129.3% 0.9%
    JPMorgan Chase Bank $3,810,000 $3,575,000 -6.2% 0.8%
    Abound Federal Credit Union $880,000 $3,345,000 280.1% 0.8%
    Magnolia Bank $690,000 $3,260,000 372.5% 0.8%
    Bank of England $1,740,000 $3,125,000 79.6% 0.7%
    CHURCHILL MORTGAGE CORPORATION $2,445,000 $3,045,000 24.5% 0.7%
    NAVY FEDERAL CREDIT UNION $2,020,000 $3,040,000 50.5% 0.7%
    HOMESIDE FINANCIAL, LLC $4,575,000 $2,955,000 -35.4% 0.7%
    PNC Bank $2,250,000 $2,820,000 25.3% 0.6%
    FREEDOM MORTGAGE CORPORATION $1,115,000 $2,485,000 122.9% 0.6%
    STOCKTON MORTGAGE CORPORATION $1,345,000 $2,350,000 74.7% 0.5%
    First Federal Savings Bank $2,860,000 $2,300,000 -19.6% 0.5%
    Farmers Bank and Trust Company $2,075,000 $2,220,000 7.0% 0.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,225,000 $1,975,000 61.2% 0.5%
    American Bank & Trust Company, Inc. $1,755,000 n/a 0.4%
    AMERISAVE MORTGAGE CORPORATION $1,125,000 $1,750,000 55.6% 0.4%
    LAKEVIEW LOAN SERVICING, LLC $280,000 $1,735,000 519.6% 0.4%
    LOANDEPOT.COM, LLC $540,000 $1,725,000 219.4% 0.4%
    LEADERONE FINANCIAL CORPORATION $1,360,000 $1,705,000 25.4% 0.4%
    The Sacramento Deposit Bank $1,160,000 $1,625,000 40.1% 0.4%
    First Financial Bank $1,265,000 $1,615,000 27.7% 0.4%
    21ST MORTGAGE CORPORATION $540,000 $1,535,000 184.3% 0.4%
    USAA Federal Savings Bank $1,910,000 $1,335,000 -30.1% 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $1,290,000 n/a 0.3%
    Century Mortgage Company DBA Century Lending Company $330,000 $1,215,000 268.2% 0.3%
    Carrington Mortgage Services, LLC $1,570,000 $1,205,000 -23.2% 0.3%
    MORTGAGE MASTERS OF INDIANA, INC. $1,040,000 $1,130,000 8.7% 0.3%
    Paramount Residential Mortgage Group, Inc. $810,000 $1,110,000 37.0% 0.3%
    Republic Bank & Trust Company $225,000 $1,065,000 373.3% 0.2%
    Peoples Bank $105,000 $1,000,000 852.4% 0.2%
    First Southern National Bank $195,000 $995,000 410.3% 0.2%
    FIELD & MAIN BANK, INC. $865,000 $925,000 6.9% 0.2%
    The Cecilian Bank $395,000 $820,000 107.6% 0.2%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $810,000 n/a 0.2%
    Flagstar Bank, FSB $50,000 $805,000 1,510.0% 0.2%
    UNION HOME MORTGAGE CORP. $790,000 n/a 0.2%
    NEWREZ LLC $485,000 $760,000 56.7% 0.2%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $750,000 n/a 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $485,000 $745,000 53.6% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $715,000 $705,000 -1.4% 0.2%
    Stock Yards Bank & Trust Company $35,000 $705,000 1,914.3% 0.2%
    First Financial Bank $1,265,000 $700,000 -44.7% 0.2%
    American Mortgage & Equity Consultants, Inc. $690,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $525,000 $665,000 26.7% 0.2%
    Northpointe Bank $230,000 $655,000 184.8% 0.2%
    Owensboro Federal Credit Union $2,360,000 $605,000 -74.4% 0.1%
    Bank of America $80,000 $575,000 618.8% 0.1%
    SIRVA MORTGAGE, INC. $570,000 n/a 0.1%
    PHH Mortgage Corporation $540,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $540,000 n/a 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $1,285,000 $525,000 -59.1% 0.1%
    DEEPHAVEN MORTGAGE LLC $295,000 $525,000 78.0% 0.1%
    Gateway First Bank $510,000 n/a 0.1%
    The Loan Store, Inc. $495,000 n/a 0.1%
    Trustmark National Bank $495,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $350,000 $490,000 40.0% 0.1%
    Nations Lending Corporation $480,000 n/a 0.1%
    FIRST MORTGAGE COMPANY, INC. $195,000 $475,000 143.6% 0.1%
    VILLAGE CAPITAL MORTGAGE $265,000 $460,000 73.6% 0.1%
    GVC MORTGAGE, INC. $450,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $45,000 $450,000 900.0% 0.1%
    Wilson & Muir Bank & Trust Company $440,000 n/a 0.1%
    COMMONWEALTH $415,000 n/a 0.1%
    Morgantown Bank & Trust Company, Incorporated $595,000 $415,000 -30.3% 0.1%
    MOVEMENT MORTGAGE, LLC $1,265,000 $400,000 -68.4% 0.1%
    First Harrison Bank $395,000 n/a 0.1%
    The Huntington National Bank $390,000 n/a 0.1%
    Community Trust Bank, Inc. $375,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $2,095,000 $375,000 -82.1% 0.1%
    First Federal Bank $355,000 $365,000 2.8% 0.1%
    TOP FLITE FINANCIAL, INC. $1,490,000 $365,000 -75.5% 0.1%
    NEW DAY FINANCIAL, LLC $1,100,000 $360,000 -67.3% 0.1%
    Plains Commerce Bank $785,000 $360,000 -54.1% 0.1%
    EASTMAN $355,000 n/a 0.1%
    BAYSHORE MORTGAGE FUNDING, LLC $345,000 n/a 0.1%
    GERSHMAN INVESTMENT CORP. $340,000 n/a 0.1%
    MORTGAGE ACCESS CORP. $335,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $135,000 $330,000 144.4% 0.1%
    Coastal Community Bank $115,000 $325,000 182.6% 0.1%
    LOANFLIGHT LENDING, LLC $305,000 $320,000 4.9% 0.1%
    PLANET HOME LENDING, LLC $85,000 $320,000 276.5% 0.1%
    First Horizon Bank $305,000 n/a 0.1%
    Heritage Bank $305,000 n/a 0.1%
    Discover Bank $520,000 $300,000 -42.3% 0.1%
    Cornerstone National Bank & Trust Company $295,000 n/a 0.1%
    First Savings Bank $295,000 n/a 0.1%
    A&D Mortgage LLC $775,000 $290,000 -62.6% 0.1%
    PLAZA HOME MORTGAGE, INC. $370,000 $290,000 -21.6% 0.1%
    AMWEST FUNDING CORP. $235,000 $280,000 19.1% 0.1%
    GUILD MORTGAGE COMPANY $275,000 n/a 0.1%
    INTERLINC MORTGAGE SERVICES, LLC $275,000 n/a 0.1%
    The Federal Savings Bank $275,000 n/a 0.1%
    CSL Financial, LLC $270,000 n/a 0.1%
    COUNTRYPLACE MORTGAGE, LTD. $265,000 n/a 0.1%
    Fortera Federal Credit Union $265,000 n/a 0.1%
    Wells Fargo Bank $185,000 $265,000 43.2% 0.1%
    ZILLOW HOME LOANS, LLC $265,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $195,000 $255,000 30.8% 0.1%
    MID AMERICA MORTGAGE, INC. $255,000 n/a 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $235,000 n/a 0.1%
    Community Mortgage Banc Corporation $235,000 n/a 0.1%
    SUCCESS MORTGAGE PARTNERS, INC. $235,000 n/a 0.1%
    UIF CORPORATION $235,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $215,000 $225,000 4.7% 0.1%
    MORTGAGEONE, INC. $215,000 n/a 0.0%
    ENDEAVOR CAPITAL, LLC. $210,000 n/a 0.0%
    1ST SIGNATURE LENDING, LLC $450,000 $205,000 -54.4% 0.0%
    Central Bank $65,000 $195,000 200.0% 0.0%
    CARDINAL FINANCIAL $620,000 $185,000 -70.2% 0.0%
    Chickasaw Community Bank $185,000 n/a 0.0%
    NEXERA HOLDING LLC $185,000 n/a 0.0%
    THE MORTGAGE WAREHOUSE,LLC $185,000 n/a 0.0%
    Barrington Bank & Trust Company, N.A. $165,000 $175,000 6.1% 0.0%
    Servion, Inc. $185,000 $175,000 -5.4% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $55,000 $170,000 209.1% 0.0%
    Commerce Home Mortgage, Inc. $165,000 n/a 0.0%
    FIRST COMMUNITY MORTGAGE, INC. $645,000 $165,000 -74.4% 0.0%
    GENEVA FINANCIAL, LLC $165,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $155,000 n/a 0.0%
    SOUTHWEST STAGE FUNDING, LLC $185,000 $155,000 -16.2% 0.0%
    LENDINGHOME FUNDING CORPORATION $145,000 n/a 0.0%
    NORWICH COMMERCIAL GROUP, INC. $135,000 n/a 0.0%
    Beeline Loans, Inc. $115,000 n/a 0.0%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $115,000 n/a 0.0%
    SPRING EQ, LLC $55,000 $110,000 100.0% 0.0%
    FirstBank $360,000 $105,000 -70.8% 0.0%
    UBS Bank USA $105,000 n/a 0.0%
    University Bank $245,000 $105,000 -57.1% 0.0%
    Equity Prime Mortgage LLC $150,000 $85,000 -43.3% 0.0%
    LENDINGONE, LLC $115,000 $85,000 -26.1% 0.0%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $205,000 $75,000 -63.4% 0.0%
    FINANCE OF AMERICA REVERSE LLC $95,000 $65,000 -31.6% 0.0%
    LONGBRIDGE FINANCIAL, LLC $55,000 n/a 0.0%
    M&T Bank $105,000 $55,000 -47.6% 0.0%
    QUORUM FEDERAL CREDIT UNION $55,000 n/a 0.0%
    Citizens Bank $375,000 $45,000 -88.0% 0.0%

    OWENSBORO's top lender by overall market share is EVANSVILLE TEACHERS, with 28.5% market share. In second place, with 7.3%, is Independence Bank of Kentucky, having originated $31,885,000 in loans. In third place, with 4.9%, is Old National Bank, having originated $21,435,000 in loans. In fourth place, with 4.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $20,865,000 in loans. In fifth place, with 4.4%, is U.S. Bank, having originated $19,250,000 in loans.

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

    Realtor.com - OWENSBORO (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 $171,897 (7.8%) $245,114 (23.0%) 0.00 274
    2018-02-01 $174,197 (4.1%) $247,681 (25.4%) 0.00 269
    2018-03-01 $172,900 (1.8%) $240,004 (19.4%) 0.00 261
    2018-04-01 $174,769 (-2.9%) $246,403 (15.4%) 0.00 267
    2018-05-01 $174,975 (-6.6%) $251,602 (6.8%) 0.00 265
    2018-06-01 $184,900 (5.7%) $329,892 (41.8%) 0.00 284
    2018-07-01 $187,400 (7.2%) $321,173 (33.8%) 0.00 308
    2018-08-01 $186,900 (2.6%) $314,275 (28.7%) 0.00 327
    2018-09-01 $179,900 (5.9%) $311,301 (30.3%) 0.00 327
    2018-10-01 $182,400 (9.0%) $306,229 (28.7%) 0.00 338
    2018-11-01 $179,742 (9.0%) $302,974 (29.7%) 0.00 337
    2018-12-01 $184,900 (12.1%) $315,070 (34.3%) 0.00 300
    2019-01-01 $179,875 (4.6%) $320,601 (30.8%) 0.00 284
    2019-02-01 $187,200 (7.5%) $320,592 (29.4%) 0.00 271
    2019-03-01 $198,264 (14.7%) $331,545 (38.1%) 0.00 256
    2019-04-01 $212,450 (21.6%) $344,574 (39.8%) 0.00 250
    2019-05-01 $214,500 (22.6%) $336,873 (33.9%) 0.00 247
    2019-06-01 $204,900 (10.8%) $331,416 (0.5%) 0.00 271
    2019-07-01 $189,800 (1.3%) $318,621 (-0.8%) 0.00 300
    2019-08-01 $185,579 (-0.7%) $294,607 (-6.3%) 0.00 303
    2019-09-01 $186,449 (3.6%) $263,363 (-15.4%) 0.00 301
    2019-10-01 $185,916 (1.9%) $238,064 (-22.3%) 0.00 302
    2019-11-01 $179,900 (0.1%) $237,318 (-21.7%) 0.00 294
    2019-12-01 $184,900 (0.0%) $239,327 (-24.0%) 0.00 274
    2020-01-01 $179,900 (0.0%) $236,664 (-26.2%) 0.00 255
    2020-02-01 $184,900 (-1.2%) $314,462 (-1.9%) 0.00 234
    2020-03-01 $175,925 (-11.3%) $311,280 (-6.1%) 0.00 223
    2020-04-01 $173,907 (-18.1%) $323,513 (-6.1%) 0.00 208
    2020-05-01 $189,900 (-11.5%) $368,430 (9.4%) 0.00 147
    2020-06-01 $217,024 (5.9%) $391,970 (18.3%) 0.00 132
    2020-07-01 $199,950 (5.4%) $385,588 (21.0%) 0.00 135
    2020-08-01 $194,000 (4.5%) $364,222 (23.6%) 0.00 154
    2020-09-01 $187,250 (0.4%) $353,295 (34.2%) 0.00 164
    2020-10-01 $190,000 (2.2%) $357,351 (50.1%) 0.00 161
    2020-11-01 $193,100 (7.3%) $360,446 (51.9%) 0.00 157
    2020-12-01 $191,800 (3.7%) $360,676 (50.7%) 0.00 145
    2021-01-01 $193,700 (7.7%) $247,420 (4.6%) 0.00 141
    2021-02-01 $194,200 (5.0%) $264,390 (-15.9%) 0.00 111
    2021-03-01 $189,825 (7.9%) $251,902 (-19.1%) 0.00 108
    2021-04-01 $176,200 (1.3%) $245,750 (-24.0%) 0.00 119
    2021-05-01 $199,900 (5.3%) $302,207 (-18.0%) 0.00 101
    2021-06-01 $204,150 (-5.9%) $285,994 (-27.0%) 0.00 110
    2021-07-01 $189,950 (-5.0%) $269,326 (-30.2%) 0.00 126
    2021-08-01 $199,900 (3.0%) $263,068 (-27.8%) 0.00 133
    2021-09-01 $199,750 (6.7%) $266,483 (-24.6%) 0.00 144
    2021-10-01 $196,950 (3.7%) $272,272 (-23.8%) 0.00 129
    2021-11-01 $174,400 (-9.7%) $281,177 (-22.0%) 0.00 123
    2021-12-01 $194,200 (1.3%) $276,533 (-23.3%) 0.00 126
    2022-01-01 $187,200 (-3.4%) $269,128 (8.8%) 0.00 108
    2022-02-01 $178,175 (-8.3%) $260,296 (-1.6%) 0.00 97
    2022-03-01 $189,900 (0.0%) $266,396 (5.8%) 0.00 95
    2022-04-01 $202,450 (14.9%) $280,646 (14.2%) 0.00 90
    2022-05-01 $239,800 (20.0%) $299,220 (-1.0%) 0.00 121
    2022-06-01 $244,925 (20.0%) $295,583 (3.4%) 0.00 149
    2022-07-01 $259,900 (36.8%) $304,277 (13.0%) 0.00 171
    2022-08-01 $262,266 (31.2%) $309,923 (17.8%) 0.00 168
    2022-09-01 $247,400 (23.9%) $299,195 (12.3%) 0.00 182
    2022-10-01 $234,900 (19.3%) $295,777 (8.6%) 0.00 185
    2022-11-01 $234,900 (34.7%) $296,523 (5.5%) 0.00 219
    2022-12-01 $237,700 (22.4%) $353,500 (27.8%) 0.00 227
    2023-01-01 $256,500 (37.0%) $358,007 (33.0%) 0.00 210
    2023-02-01 $259,900 (45.9%) $368,502 (41.6%) 0.00 194
    2023-03-01 $265,400 (39.8%) $394,187 (48.0%) 0.00 164
    2023-04-01 $277,450 (37.1%) $417,496 (48.8%) 0.00 149
    2023-05-01 $277,400 (15.7%) $417,361 (39.5%) 0.00 149
    2023-06-01 $274,950 (12.3%) $334,261 (13.1%) 0.00 168
    2023-07-01 $264,900 (1.9%) $318,557 (4.7%) 0.00 172
    2023-08-01 $260,875 (-0.5%) $311,924 (0.7%) 0.00 184
    2023-09-01 $259,900 (5.1%) $308,848 (3.2%) 0.00 195
    2023-10-01 $259,650 (10.5%) $304,752 (3.0%) 0.00 216
    2023-11-01 $262,625 (11.8%) $295,487 (-0.4%) 0.00 223
    2023-12-01 $250,000 (5.2%) $294,401 (-16.7%) 0.00 216
    2024-01-01 $269,700 (5.2%) $368,925 (3.1%) 0.00 182
    2024-02-01 $277,350 (6.7%) $388,445 (5.4%) 0.00 184
    2024-03-01 $284,800 (7.3%) $393,781 (-0.1%) 0.00 173
    2024-04-01 $269,900 (-2.7%) $371,960 (-10.9%) 0.00 172
    2024-05-01 $273,900 (-1.3%) $374,496 (-10.3%) 0.00 191
    2024-06-01 $269,900 (-1.8%) $370,405 (10.8%) 0.00 205
    2024-07-01 $279,800 (5.6%) $352,547 (10.7%) 0.00 197
    2024-08-01 $279,900 (7.3%) $390,943 (25.3%) 0.00 217
    2024-09-01 $283,650 (9.1%) $401,517 (30.0%) 0.00 217
    2024-10-01 $276,575 (6.5%) $390,513 (28.1%) 0.00 228
    2024-11-01 $279,900 (6.6%) $393,375 (33.1%) 0.00 233
    2024-12-01 $273,650 (9.5%) $382,643 (30.0%) 0.00 226
    2025-01-01 $279,100 (3.5%) $389,522 (5.6%) 0.00 215
    2025-02-01 $275,175 (-0.8%) $385,287 (-0.8%) 0.00 198
    2025-03-01 $279,900 (-1.7%) $385,927 (-2.0%) 0.00 194
    OWENSBORO's median listing price for 2025-03-01 was $279,900, a difference of $-4,900 (-1.7%) versus the prior year and $4,725 versus the prior month.

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

    OWENSBORO's average listing price for 2025-03-01 was $385,927, a difference of $-7,854 (-2.0%) versus the prior year and $640 versus the prior month.

    For the 2025-03-01 period, OWENSBORO had 194 MLS listings, a difference of -4 listings (-2%) versus the prior month and 21 listings (12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - OWENSBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,902 sqft
    2018-02-01 0 days 1,885 sqft
    2018-03-01 0 days 1,857 sqft
    2018-04-01 0 days 1,917 sqft
    2018-05-01 0 days 1,940 sqft
    2018-06-01 0 days 1,952 sqft
    2018-07-01 0 days 1,942 sqft
    2018-08-01 0 days 1,961 sqft
    2018-09-01 0 days 1,965 sqft
    2018-10-01 0 days 1,937 sqft
    2018-11-01 0 days 1,939 sqft
    2018-12-01 0 days 1,951 sqft
    2019-01-01 0 days 1,884 sqft
    2019-02-01 0 days 1,893 sqft
    2019-03-01 0 days 2,025 sqft
    2019-04-01 0 days 2,158 sqft
    2019-05-01 0 days 2,087 sqft
    2019-06-01 0 days 2,095 sqft
    2019-07-01 0 days 1,995 sqft
    2019-08-01 0 days 1,919 sqft
    2019-09-01 0 days 1,837 sqft
    2019-10-01 0 days 1,776 sqft
    2019-11-01 0 days 1,719 sqft
    2019-12-01 0 days 1,709 sqft
    2020-01-01 0 days 1,702 sqft
    2020-02-01 0 days 1,827 sqft
    2020-03-01 0 days 1,674 sqft
    2020-04-01 0 days 1,675 sqft
    2020-05-01 0 days 1,823 sqft
    2020-06-01 0 days 1,859 sqft
    2020-07-01 0 days 1,941 sqft
    2020-08-01 0 days 1,768 sqft
    2020-09-01 0 days 1,752 sqft
    2020-10-01 0 days 1,772 sqft
    2020-11-01 0 days 1,776 sqft
    2020-12-01 0 days 1,767 sqft
    2021-01-01 0 days 1,741 sqft
    2021-02-01 0 days 1,794 sqft
    2021-03-01 0 days 1,729 sqft
    2021-04-01 0 days 1,659 sqft
    2021-05-01 0 days 1,680 sqft
    2021-06-01 0 days 1,668 sqft
    2021-07-01 0 days 1,595 sqft
    2021-08-01 0 days 1,642 sqft
    2021-09-01 0 days 1,658 sqft
    2021-10-01 0 days 1,619 sqft
    2021-11-01 0 days 1,553 sqft
    2021-12-01 0 days 1,533 sqft
    2022-01-01 0 days 1,513 sqft
    2022-02-01 0 days 1,554 sqft
    2022-03-01 0 days 1,582 sqft
    2022-04-01 0 days 1,724 sqft
    2022-05-01 0 days 1,789 sqft
    2022-06-01 0 days 1,804 sqft
    2022-07-01 0 days 1,886 sqft
    2022-08-01 0 days 1,901 sqft
    2022-09-01 0 days 1,729 sqft
    2022-10-01 0 days 1,672 sqft
    2022-11-01 0 days 1,686 sqft
    2022-12-01 0 days 1,699 sqft
    2023-01-01 0 days 1,750 sqft
    2023-02-01 0 days 1,797 sqft
    2023-03-01 0 days 1,849 sqft
    2023-04-01 0 days 1,799 sqft
    2023-05-01 0 days 1,801 sqft
    2023-06-01 0 days 1,832 sqft
    2023-07-01 0 days 1,799 sqft
    2023-08-01 0 days 1,740 sqft
    2023-09-01 0 days 1,766 sqft
    2023-10-01 0 days 1,803 sqft
    2023-11-01 0 days 1,702 sqft
    2023-12-01 0 days 1,688 sqft
    2024-01-01 0 days 1,755 sqft
    2024-02-01 0 days 1,804 sqft
    2024-03-01 0 days 1,804 sqft
    2024-04-01 0 days 1,771 sqft
    2024-05-01 0 days 1,792 sqft
    2024-06-01 0 days 1,881 sqft
    2024-07-01 0 days 1,921 sqft
    2024-08-01 0 days 1,904 sqft
    2024-09-01 0 days 1,893 sqft
    2024-10-01 0 days 1,860 sqft
    2024-11-01 0 days 1,897 sqft
    2024-12-01 0 days 1,771 sqft
    2025-01-01 0 days 1,870 sqft
    2025-02-01 0 days 1,780 sqft
    2025-03-01 0 days 1,803 sqft
    OWENSBORO's median listing age (time on market) for 2025-03-01 was 0 days.

    OWENSBORO's median square footage for active listings during the 2025-03-01 period was 1,803 sqft. One year prior, the average listing was 1,804 sqft.

    OWENSBORO, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,482 $310,390,000 $209,440
    Cash Out Refi 396 $46,670,000 $117,854
    Refi 295 $45,385,000 $153,847
    Home Improvement 221 $15,835,000 $71,652
    Other 208 $15,830,000 $76,106

    Owensboro's most frequently cited loan purpose was Home Purchase, with 1,482 originations. The 2nd most popular reason was Cash Out Refi, with 396 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 1,006 $198,940,000 $197,753
    Over 8% 576 $48,800,000 $84,722
    7-8% 550 $100,740,000 $183,164
    5-6% 269 $56,785,000 $211,097
    3-4% 59 $5,995,000 $101,610
    <2.5% 43 $3,315,000 $77,093
    4-5% 24 $6,490,000 $270,417
    2.5-3% 1 $425,000 $425,000

    During 2024, Owensboro's most frequently originated rate bucket was 6-7%, with 1,006 originations.

    Loan Sizing (OWENSBORO, KY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 962 $141,920,000 $147,526
    $100,000 or less 859 $46,195,000 $53,778
    $200k-400k 682 $181,560,000 $266,217
    $400k-600k 71 $32,545,000 $458,380
    $600k-1000k 22 $15,990,000 $726,818
    $Over $1MM 6 $15,900,000 $2,650,000

    OWENSBORO's loan sizing saw the bucket of loans from $100k-200k with 962 originations, totaling $141,920,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 1,028 $227,690,000 $221,488
    60-80% 479 $100,085,000 $208,946
    20-40% 373 $32,455,000 $87,011
    Under 20% 368 $14,530,000 $39,484
    40-60% 232 $36,060,000 $155,431
    Over 100% 26 $6,280,000 $241,538

    OWENSBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,028 originations, totaling $227,690,000 in origination value.