OWENSBORO Mortgage Rates

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

    30 Year Fixed Rate mortgages in Owensboro averaged 5.69% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

    The average rate for the prior week (2022-06-23) was 6.2% and one month ago for the week of 2022-05-26, the average rate was 5.39%.

    Owensboro's average rate one year ago was 3.12%.

    For refis of the same type during the week of 2022-06-30, the average rate was 5.78%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-30 5.7%
    Owensboro 30 Year Fixed Rate 2022-06-30 5.69%
    Owensboro 30 Year Fixed Rate Refi 2022-06-30 5.78%
    Owensboro 15 Year Fixed Rate 2022-06-30 5.56%
    Owensboro 15 Year Fixed Rate Refi 2022-06-30 5.26%
    Owensboro 30 Year FHA 2022-06-30 5.75%
    Owensboro 30 Year FHA Refi 2022-06-30 5.6%
    Owensboro 30 Year USDA 2022-06-30 5.63%
    Owensboro 30 Year USDA Refi 2022-06-30 5.25%
    Owensboro 30 Year VA 2022-06-30 5.86%
    Owensboro 30 Year VA Refi 2022-06-30 5.64%
    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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    EVANSVILLE TEACHERS 501 3.05% $2,538
    Independence Bank of Kentucky 157 3.31% $2,439
    RUOFF MORTGAGE COMPANY, INC. 118 3.16% $2,222
    U.S. Bank 96 3.12% $2,662
    QUICKEN LOANS, LLC 81 3.17% $4,541
    Old National Bank 80 3.13% $2,540
    German American Bank 72 3.26% $2,718
    UNITED WHOLESALE MORTGAGE, LLC 58 3.02% $3,806
    SOUTH CENTRAL BANK, INC. 53 3.02% $2,473
    FBC MORTGAGE, LLC 45 3.14% $3,535
    Truist Bank 26 3.09% $2,928
    JPMorgan Chase Bank 24 3.13% $2,381
    Farm Credit Mid-America, ACA 21 3.59% $6,508
    PRIMARY RESIDENTIAL MORTGAGE, INC. 19 3.22% $3,696
    AMERISAVE MORTGAGE CORPORATION 17 2.91% $5,455
    Sierra Pacific Mortgage Company, Inc. 17 3.46% $4,233
    Fifth Third Bank 13 3.45% $2,588
    LOANDEPOT.COM, LLC 11 3.10% $5,322
    PENNYMAC LOAN SERVICES, LLC 10 3.47% $4,775
    Wells Fargo Bank 9 3.35% $2,764
    Citizens Bank 9 3.03% $2,570
    Bank of England 8 3.44% $3,236
    Mr. Cooper ( Nationstar Mortgage ) 8 3.48% $4,280
    PNC Bank 7 3.05% $2,711
    ROYAL UNITED MORTGAGE LLC 7 3.52% $5,200
    Heritage Federal Credit Union 6 3.25% $2,368
    HOME POINT FINANCIAL CORPORATION 6 3.37% $3,039
    BROKER SOLUTIONS, INC. 6 3.27% $3,411
    STOCKTON MORTGAGE CORPORATION 6 3.29% $3,240
    Republic Bank & Trust Company 6 2.94% $2,627
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 3.38% $3,086
    GUARANTY HOME MORTGAGE CORPORATION 5 2.90% $2,855
    BETTER MORTGAGE CORPORATION 4 3.22% $3,596
    AMERIFIRST FINANCIAL CORPORATION 4 2.88% $4,136
    KELLER MORTGAGE, LLC 4 3.06% $2,778
    MOVEMENT MORTGAGE, LLC 4 3.01% $4,005
    NEWREZ LLC 3 3.04% $3,609
    NBKC BANK 3 3.00% $1,903
    NAVY FEDERAL CREDIT UNION 3 3.46% $3,268
    Prosperity Home Mortgage, LLC 3 3.13% $3,216
    MUTUAL OF OMAHA MORTGAGE, INC. 3 3.54% $4,143
    Mortgage Research Center, LLC 3 3.58% $1,528
    MORTGAGE MASTERS OF INDIANA, INC. 3 3.08% $2,702
    CALIBER HOME LOANS, INC. 3 3.33% $3,621
    HOMESIDE FINANCIAL, LLC 3 3.29% $5,721
    AMERICAN FINANCING CORPORATION 3 3.42% $3,778
    TRANSCEND 3 3.25% $1,950
    Abound Federal Credit Union 2 3.13% $1,677
    Ally Bank 2 2.69% $7,662
    CHURCHILL MORTGAGE CORPORATION 2 3.38% $3,938
    EVERETT FINANCIAL, INC. 2 3.63% $2,227
    FirstBank 2 3.06% $2,531
    FIRST COMMUNITY MORTGAGE, INC. 2 3.13% $3,130
    First Savings Bank 2 3.00% $3,588
    FREEDOM MORTGAGE CORPORATION 2 3.06% $3,585
    Magnolia Bank 2 3.18% $1,971
    PROVIDENT FUNDING ASSOCIATES, L.P. 2 2.69% $2,294
    The Huntington National Bank 2 2.69% $3,230
    Wyndham Capital Mortgage, Inc. 2 3.06% $2,177
    GUARANTEED RATE AFFINITY, LLC 1 3.25% $3,113
    Gateway First Bank 1 3.13% $3,600
    F&M Bank 1 3.25% $2,546
    Flagstar Bank, FSB 1 2.75% $2,889
    First Guaranty Mortgage Corporation 1 2.75% $2,812
    First Financial Bank 1 2.75% $3,204
    First Financial Bank 1 4.25% $2,792
    Northpointe Bank 1 2.88% $4,479
    Discover Bank 1 7.99% $0
    Paramount Residential Mortgage Group, Inc. 1 2.99% $4,027
    DELMAR FINANCIAL COMPANY 1 2.88% $3,404
    PENTAGON FEDERAL CREDIT UNION 1 3.00% $4,625
    PLAZA HOME MORTGAGE, INC. 1 2.99% $3,413
    CROSSCOUNTRY MORTGAGE, LLC 1 3.13% $11,231
    COMPEER FINANCIAL, FLCA 1 4.38% $2,681
    Commonwealth Bank and Trust Company 1 3.63% $2,937
    ALLIANT CREDIT UNION 1 2.50% $2,628
    Colten Mortgage, LLC 1 2.88% $3,327
    Regions Bank 1 2.88% $3,740
    Colonial Savings, F.A. 1 3.50% $3,228
    RESIDENTIAL BANCORP. 1 3.49% $3,098
    Citibank 1 2.88% $2,752
    Central Bank & Trust Company 1 2.63% $2,073
    CELEBRITY HOME LOANS, LLC 1 3.13% $3,082
    Carrington Mortgage Services, LLC 1 3.25% $3,630
    SOUTHWEST FUNDING, LP 1 3.38% $8,104
    STEARNS LENDING, LLC 1 2.88% $3,720
    CapStar Bank 1 2.75% $2,510
    Stock Yards Bank & Trust Company 1 3.63% $3,702
    The Cecilian Bank 1 4.19% $2,778
    The Farmers Bank 1 3.13% $2,749
    ZILLOW HOME LOANS, LLC 1 3.63% $2,118
    The Union Bank Company 1 3.00% $6,185
    THRIVENT Federal Credit Union 1 3.00% $3,045
    TOP FLITE FINANCIAL, INC. 1 3.50% $5,030
    Baxter Credit Union 1 3.25% $2,828
    Bank of America 1 2.88% $2,944
    UNIFY FINANCIAL Credit Union 1 3.03% $2,114
    UNION HOME MORTGAGE CORP. 1 2.88% $3,633
    AMERICAN MORTGAGE SERVICE COMPANY 1 2.75% $2,677
    AMERICAN FINANCIAL NETWORK, INC. 1 3.38% $8,672
    U S WIDE FINANCIAL LLC 1 3.50% $1,535
    Manufacturers and Traders Trust Company 1 2.88% $2,246
    MICHIGAN MUTUAL, INC. 1 2.99% $4,325
    Hometown Lenders, Inc. 1 3.50% $2,736

    OWENSBORO, KY's 104 lenders originated 4,936 loans during 2021. The total origination value was $819,200,000, with an average loan value of $165,964.

    The top OWENSBORO lender as defined by loan originations is EVANSVILLE TEACHERS, with 501 loans originated. Their average total fees are $2,538, which is $99 higher than the next largest lender, Independence Bank of Kentucky.

    The lowest fee OWENSBORO lenders (with over 10 loans originated) are RUOFF MORTGAGE COMPANY, INC. ($2,222), JPMorgan Chase Bank ($2,381), Independence Bank of Kentucky ($2,439), SOUTH CENTRAL BANK, INC. ($2,473) and EVANSVILLE TEACHERS ($2,538).

    The lowest rate OWENSBORO lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.91%), UNITED WHOLESALE MORTGAGE, LLC (3.02%), SOUTH CENTRAL BANK, INC. (3.02%), EVANSVILLE TEACHERS (3.05%) and Truist Bank (3.09%).

    OWENSBORO, KY Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
    EVANSVILLE TEACHERS $236,615,000 $216,220,000 -8.6% 26.4%
    Independence Bank of Kentucky $80,520,000 $75,505,000 -6.2% 9.2%
    RUOFF MORTGAGE COMPANY, INC. $30,665,000 $50,910,000 66.0% 6.2%
    U.S. Bank $44,105,000 $45,080,000 2.2% 5.5%
    QUICKEN LOANS, LLC $31,590,000 $38,125,000 20.7% 4.7%
    Old National Bank $44,660,000 $37,335,000 -16.4% 4.6%
    SOUTH CENTRAL BANK, INC. $36,005,000 $32,625,000 -9.4% 4.0%
    German American Bank $28,275,000 $31,035,000 9.8% 3.8%
    FBC MORTGAGE, LLC $22,400,000 $26,500,000 18.3% 3.2%
    UNITED WHOLESALE MORTGAGE, LLC $9,675,000 $20,210,000 108.9% 2.5%
    INB $18,605,000 n/a 2.3%
    FREEDOM MORTGAGE CORPORATION $10,960,000 $13,870,000 26.6% 1.7%
    Truist Bank $14,010,000 $13,280,000 -5.2% 1.6%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $5,200,000 $11,945,000 129.7% 1.5%
    Sierra Pacific Mortgage Company, Inc. $13,400,000 $10,900,000 -18.7% 1.3%
    Farm Credit Mid-America, ACA $12,280,000 $9,750,000 -20.6% 1.2%
    Fifth Third Bank $11,865,000 $9,375,000 -21.0% 1.1%
    Mortgage Research Center, LLC $6,065,000 $9,200,000 51.7% 1.1%
    AMERISAVE MORTGAGE CORPORATION $2,640,000 $7,185,000 172.2% 0.9%
    PENNYMAC LOAN SERVICES, LLC $3,455,000 $6,745,000 95.2% 0.8%
    JPMorgan Chase Bank $5,375,000 $6,035,000 12.3% 0.7%
    LOANDEPOT.COM, LLC $530,000 $5,890,000 1,011.3% 0.7%
    PNC Bank $5,945,000 $5,260,000 -11.5% 0.6%
    BERKELEY POINT CAPITAL LLC $4,775,000 n/a 0.6%
    TOP FLITE FINANCIAL, INC. $4,140,000 $4,340,000 4.8% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $3,890,000 $3,870,000 -0.5% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $225,000 $3,790,000 1,584.4% 0.5%
    NAVY FEDERAL CREDIT UNION $1,750,000 $3,745,000 114.0% 0.5%
    Bank of England $5,265,000 $3,520,000 -33.1% 0.4%
    BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $3,515,000 n/a 0.4%
    Carrington Mortgage Services, LLC $2,430,000 $3,485,000 43.4% 0.4%
    HOME POINT FINANCIAL CORPORATION $695,000 $3,175,000 356.8% 0.4%
    Wells Fargo Bank $1,375,000 $3,170,000 130.5% 0.4%
    BROKER SOLUTIONS, INC. $420,000 $3,115,000 641.7% 0.4%
    MOVEMENT MORTGAGE, LLC $95,000 $3,090,000 3,152.6% 0.4%
    F&M Bank $2,970,000 n/a 0.4%
    Citizens Bank $1,135,000 $2,315,000 104.0% 0.3%
    STOCKTON MORTGAGE CORPORATION $5,050,000 $2,240,000 -55.6% 0.3%
    21ST MORTGAGE CORPORATION $1,580,000 $1,805,000 14.2% 0.2%
    Republic Bank & Trust Company $1,130,000 $1,680,000 48.7% 0.2%
    Limestone Bank, Inc. $1,245,000 $1,600,000 28.5% 0.2%
    GUARANTY HOME MORTGAGE CORPORATION $505,000 $1,575,000 211.9% 0.2%
    Hancock Bank & Trust Company $2,510,000 $1,555,000 -38.0% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $1,125,000 $1,550,000 37.8% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $310,000 $1,465,000 372.6% 0.2%
    NEWREZ LLC $315,000 $1,465,000 365.1% 0.2%
    HOMESIDE FINANCIAL, LLC $340,000 $1,455,000 327.9% 0.2%
    Heritage Federal Credit Union $2,315,000 $1,450,000 -37.4% 0.2%
    USAA Federal Savings Bank $2,880,000 $1,225,000 -57.5% 0.1%
    CALIBER HOME LOANS, INC. $805,000 $1,215,000 50.9% 0.1%
    PENTAGON FEDERAL CREDIT UNION $235,000 $1,165,000 395.7% 0.1%
    The Huntington National Bank $210,000 $1,160,000 452.4% 0.1%
    AMERICAN FINANCING CORPORATION $730,000 $1,140,000 56.2% 0.1%
    BETTER MORTGAGE CORPORATION $565,000 $1,070,000 89.4% 0.1%
    AMERIFIRST FINANCIAL CORPORATION $1,195,000 $1,065,000 -10.9% 0.1%
    Prosperity Home Mortgage, LLC $1,065,000 n/a 0.1%
    FIELD & MAIN BANK, INC. $3,225,000 $1,055,000 -67.3% 0.1%
    ROYAL UNITED MORTGAGE LLC $730,000 $1,015,000 39.0% 0.1%
    KELLER MORTGAGE, LLC $515,000 $1,010,000 96.1% 0.1%
    Barrington Bank & Trust Company, N.A. $1,010,000 $960,000 -5.0% 0.1%
    CMG MORTGAGE, INC. $710,000 $960,000 35.2% 0.1%
    CHURCHILL MORTGAGE CORPORATION $1,215,000 $945,000 -22.2% 0.1%
    Commonwealth Bank and Trust Company $2,990,000 $905,000 -69.7% 0.1%
    NEW DAY FINANCIAL, LLC $1,245,000 $865,000 -30.5% 0.1%
    MORTGAGE MASTERS OF INDIANA, INC. $1,815,000 $855,000 -52.9% 0.1%
    NBKC BANK $855,000 n/a 0.1%
    Farmers Bank and Trust Company $705,000 $785,000 11.3% 0.1%
    American Bank & Trust Company, Inc. $85,000 $745,000 776.5% 0.1%
    FirstBank $395,000 $740,000 87.3% 0.1%
    Paramount Residential Mortgage Group, Inc. $910,000 $735,000 -19.2% 0.1%
    TRANSCEND $940,000 $710,000 -24.5% 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,570,000 $710,000 -54.8% 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $705,000 n/a 0.1%
    Ally Bank $135,000 $690,000 411.1% 0.1%
    EVERETT FINANCIAL, INC. $735,000 $675,000 -8.2% 0.1%
    Farmers Bank & Trust $670,000 n/a 0.1%
    STEARNS LENDING, LLC $645,000 n/a 0.1%
    First Financial Bank $610,000 n/a 0.1%
    Bank of America $180,000 $575,000 219.4% 0.1%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $645,000 $575,000 -10.9% 0.1%
    PLANET HOME LENDING, LLC $225,000 $575,000 155.6% 0.1%
    The Federal Savings Bank $565,000 n/a 0.1%
    VILLAGE CAPITAL & INVESTMENT LLC $625,000 $550,000 -12.0% 0.1%
    1ST SIGNATURE LENDING, LLC $1,010,000 $545,000 -46.0% 0.1%
    Abound Federal Credit Union $950,000 $545,000 -42.6% 0.1%
    Banterra Bank $545,000 n/a 0.1%
    First Guaranty Mortgage Corporation $105,000 $545,000 419.0% 0.1%
    MORTGAGE 1 INCORPORATED $545,000 n/a 0.1%
    Stock Yards Bank & Trust Company $545,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $260,000 $540,000 107.7% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $1,640,000 $530,000 -67.7% 0.1%
    Colonial Savings, F.A. $115,000 $525,000 356.5% 0.1%
    MICHIGAN MUTUAL, INC. $175,000 $520,000 197.1% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $125,000 $500,000 300.0% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $135,000 $470,000 248.1% 0.1%
    DELMAR FINANCIAL COMPANY $455,000 n/a 0.1%
    Wyndham Capital Mortgage, Inc. $265,000 $440,000 66.0% 0.1%
    Colten Mortgage, LLC $355,000 $400,000 12.7% 0.0%
    UNIVERSITY OF KENTUCKY $140,000 $395,000 182.1% 0.0%
    Flagstar Bank, FSB $930,000 $355,000 -61.8% 0.0%
    GVC MORTGAGE, INC. $570,000 $350,000 -38.6% 0.0%
    Regions Bank $195,000 $350,000 79.5% 0.0%
    UNIFY FINANCIAL Credit Union $335,000 n/a 0.0%
    First Savings Bank $800,000 $330,000 -58.8% 0.0%
    AMERICAN MORTGAGE SERVICE COMPANY $690,000 $325,000 -52.9% 0.0%
    AMERICAN ADVISORS GROUP $75,000 $310,000 313.3% 0.0%
    THRIVE MORTGAGE, LLC $310,000 n/a 0.0%
    SOUTHWEST FUNDING, LP $175,000 $295,000 68.6% 0.0%
    UNION HOME MORTGAGE CORP. $965,000 $285,000 -70.5% 0.0%
    Gateway First Bank $275,000 n/a 0.0%
    Cumberland Valley National Bank & Trust Company $125,000 $270,000 116.0% 0.0%
    Magnolia Bank $425,000 $270,000 -36.5% 0.0%
    AMERICAN FINANCIAL NETWORK, INC. $800,000 $255,000 -68.1% 0.0%
    AMERICAN FINANCIAL RESOURCES, INC. $730,000 $255,000 -65.1% 0.0%
    THE MORTGAGE WAREHOUSE,LLC $265,000 $255,000 -3.8% 0.0%
    The Farmers Bank $245,000 n/a 0.0%
    RESIDENTIAL BANCORP. $235,000 n/a 0.0%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $320,000 $225,000 -29.7% 0.0%
    North American Savings Bank, F.S.B. $225,000 n/a 0.0%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $810,000 $225,000 -72.2% 0.0%
    NATIONS DIRECT MORTGAGE, LLC $360,000 $220,000 -38.9% 0.0%
    AmeriHome Mortgage Company, LLC $165,000 $215,000 30.3% 0.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $165,000 $215,000 30.3% 0.0%
    Discover Bank $240,000 $210,000 -12.5% 0.0%
    PHH Mortgage Corporation $315,000 $210,000 -33.3% 0.0%
    SOFI LENDING CORP. $205,000 n/a 0.0%
    MID AMERICA MORTGAGE, INC. $195,000 n/a 0.0%
    First State Bank of St. Charles, Missouri $185,000 n/a 0.0%
    Northpointe Bank $305,000 $185,000 -39.3% 0.0%
    PLAZA HOME MORTGAGE, INC. $980,000 $185,000 -81.1% 0.0%
    Republic State Mortgage Co. $185,000 $185,000 0.0% 0.0%
    The Union Bank Company $185,000 n/a 0.0%
    ALLIANT CREDIT UNION $15,000 $175,000 1,066.7% 0.0%
    RELIANCE FIRST CAPITAL, LLC $705,000 $175,000 -75.2% 0.0%
    The Home Loan Expert LLC $175,000 n/a 0.0%
    The Cecilian Bank $375,000 $170,000 -54.7% 0.0%
    CapStar Bank $165,000 n/a 0.0%
    GENEVA FINANCIAL, LLC $335,000 $165,000 -50.7% 0.0%
    NBH Bank $155,000 n/a 0.0%
    Signature Federal Credit Union $155,000 n/a 0.0%
    First National Bank of America $150,000 n/a 0.0%
    CIS Financial Services, Inc. $145,000 n/a 0.0%
    Hometown Lenders, Inc. $560,000 $145,000 -74.1% 0.0%
    IMPAC MORTGAGE CORP. $145,000 n/a 0.0%
    SOUTHWEST STAGE FUNDING, LLC $455,000 $145,000 -68.1% 0.0%
    TOTAL MORTGAGE SERVICES, LLC $145,000 n/a 0.0%
    GERSHMAN INVESTMENT CORP. $225,000 $135,000 -40.0% 0.0%
    Citibank $130,000 n/a 0.0%
    Nations Lending Corporation $550,000 $125,000 -77.3% 0.0%
    Park Lane Finance Solutions, LLC $135,000 $125,000 -7.4% 0.0%
    THRIVENT Federal Credit Union $125,000 n/a 0.0%
    ZILLOW HOME LOANS, LLC $125,000 n/a 0.0%
    First Southern National Bank $180,000 $115,000 -36.1% 0.0%
    GUARANTEED RATE AFFINITY, LLC $275,000 $115,000 -58.2% 0.0%
    Manufacturers and Traders Trust Company $55,000 $115,000 109.1% 0.0%
    CELEBRITY HOME LOANS, LLC $105,000 n/a 0.0%
    City National Bank of West Virginia $105,000 n/a 0.0%
    First Federal Savings and Loan Association of Greensburg $105,000 n/a 0.0%
    OCEANSIDE MORTGAGE COMPANY $690,000 $105,000 -84.8% 0.0%
    COMMONWEALTH $445,000 $100,000 -77.5% 0.0%
    First Financial Bank $95,000 n/a 0.0%
    Century Mortgage Company DBA Century Lending Company $85,000 n/a 0.0%
    CLASS ACT FEDERAL CREDIT UNION $95,000 $85,000 -10.5% 0.0%
    COMPEER FINANCIAL, FLCA $85,000 n/a 0.0%
    MORIA DEVELOPMENT, INC. $85,000 n/a 0.0%
    Baxter Credit Union $75,000 n/a 0.0%
    Central Bank & Trust Company $75,000 n/a 0.0%
    AMERICAN HERITAGE FCU $65,000 n/a 0.0%
    First Federal Savings Bank $470,000 $65,000 -86.2% 0.0%
    The Monticello Banking Company $135,000 $55,000 -59.3% 0.0%
    U S WIDE FINANCIAL LLC $55,000 n/a 0.0%
    Community Trust Bank, Inc. $25,000 n/a 0.0%

    OWENSBORO's top lender by overall market share is EVANSVILLE TEACHERS, with 26.4% market share. In second place, with 9.2%, is Independence Bank of Kentucky, having originated $75,505,000 in loans. In third place, with 6.2%, is RUOFF MORTGAGE COMPANY, INC., having originated $50,910,000 in loans. In third place, with 5.5%, is U.S. Bank, having originated $45,080,000 in loans. In third place, with 4.7%, is QUICKEN LOANS, LLC, having originated $38,125,000 in loans.

    OWENSBORO, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 2,066 $401,300,000 $194,240
    Refi 1,618 $253,750,000 $156,829
    Cash Out Refi 774 $120,980,000 $156,305
    Home Improvement 260 $22,230,000 $85,500
    Other 217 $17,425,000 $80,300
    NA 1 $3,515,000 $3,515,000

    Owensboro's most frequently cited loan purpose was Home Purchase, with 2,066 originations. The 2nd most popular reason was Refi, with 1,618 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 2,031 $350,285,000 $172,469
    2.5-3% 1,800 $313,600,000 $174,222
    <2.5% 685 $107,315,000 $156,664
    4-5% 240 $25,710,000 $107,125
    5-6% 93 $3,695,000 $39,731
    Over 8% 17 $815,000 $47,941
    6-7% 13 $1,335,000 $102,692
    7-8% 10 $740,000 $74,000

    During 2021, Owensboro's most frequently originated rate bucket was 3-4%, with 2,031 originations.

    Loan Sizing (OWENSBORO, KY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 2,231 $324,645,000 $145,515
    $100,000 or less 1,402 $87,480,000 $62,397
    $200k-400k 1,179 $306,415,000 $259,894
    $400k-600k 90 $41,810,000 $464,556
    $600k-1000k 23 $16,145,000 $701,957
    $Over $1MM 11 $42,705,000 $3,882,273

    OWENSBORO's loan sizing saw the bucket of loans from $100k-200k with 2,231 originations, totaling $324,645,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 1,863 $361,405,000 $193,991
    60-80% 1,490 $279,250,000 $187,416
    40-60% 664 $88,330,000 $133,027
    20-40% 417 $38,335,000 $91,930
    Under 20% 303 $11,215,000 $37,013
    Over 100% 42 $9,660,000 $230,000

    OWENSBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,863 originations, totaling $361,405,000 in origination value.

    Market Conditions (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 $175,661 (10.2%) $264,888 (32.9%) 0.00 291
    2018-02-01 $177,935 (7.9%) $270,982 (37.9%) 0.00 288
    2018-03-01 $177,775 (5.3%) $264,496 (32.0%) 0.00 282
    2018-04-01 $178,838 (2.2%) $267,572 (27.4%) 0.00 289
    2018-05-01 $179,672 (-1.5%) $269,802 (16.2%) 0.00 288
    2018-06-01 $184,900 (7.2%) $335,686 (45.4%) 0.00 311
    2018-07-01 $189,450 (5.3%) $329,450 (32.8%) 0.00 335
    2018-08-01 $189,000 (4.2%) $319,605 (30.3%) 0.00 355
    2018-09-01 $180,269 (6.1%) $316,828 (33.5%) 0.00 355
    2018-10-01 $186,950 (11.7%) $313,176 (30.9%) 0.00 367
    2018-11-01 $179,700 (9.0%) $308,394 (31.3%) 0.00 366
    2018-12-01 $179,900 (9.1%) $318,454 (36.1%) 0.00 326
    2019-01-01 $179,900 (2.4%) $324,932 (22.7%) 0.00 310
    2019-02-01 $182,400 (2.5%) $310,675 (14.7%) 0.00 294
    2019-03-01 $195,814 (10.2%) $321,174 (21.4%) 0.00 280
    2019-04-01 $208,400 (16.5%) $333,772 (24.7%) 0.00 270
    2019-05-01 $223,591 (24.4%) $339,098 (25.7%) 0.00 271
    2019-06-01 $205,900 (11.4%) $330,314 (-1.6%) 0.00 293
    2019-07-01 $189,450 (0.0%) $311,182 (-5.6%) 0.00 324
    2019-08-01 $184,900 (-2.2%) $275,374 (-13.8%) 0.00 329
    2019-09-01 $184,900 (2.6%) $235,446 (-25.7%) 0.00 323
    2019-10-01 $188,675 (0.9%) $239,589 (-23.5%) 0.00 330
    2019-11-01 $184,900 (2.9%) $240,095 (-22.2%) 0.00 322
    2019-12-01 $184,900 (2.8%) $239,650 (-24.8%) 0.00 293
    2020-01-01 $179,900 (0.0%) $237,573 (-26.9%) 0.00 262
    2020-02-01 $194,900 (6.9%) $324,119 (4.3%) 0.00 241
    2020-03-01 $179,900 (-8.1%) $322,642 (0.5%) 0.00 233
    2020-04-01 $179,475 (-13.9%) $330,063 (-1.1%) 0.00 217
    2020-05-01 $189,005 (-15.5%) $382,838 (12.9%) 0.00 153
    2020-06-01 $222,400 (8.0%) $414,803 (25.6%) 0.00 138
    2020-07-01 $224,900 (18.7%) $421,807 (35.6%) 0.00 142
    2020-08-01 $199,900 (8.1%) $383,680 (39.3%) 0.00 159
    2020-09-01 $191,503 (3.6%) $369,078 (56.8%) 0.00 166
    2020-10-01 $194,900 (3.3%) $381,159 (59.1%) 0.00 172
    2020-11-01 $210,750 (14.0%) $375,630 (56.5%) 0.00 162
    2020-12-01 $199,900 (8.1%) $373,715 (55.9%) 0.00 146
    2021-01-01 $198,795 (10.5%) $247,144 (4.0%) 0.00 147
    2021-02-01 $193,000 (-1.0%) $258,864 (-20.1%) 0.00 117
    2021-03-01 $189,900 (5.6%) $255,449 (-20.8%) 0.00 106
    2021-04-01 $179,900 (0.2%) $246,463 (-25.3%) 0.00 117
    2021-05-01 $199,900 (5.8%) $300,565 (-21.5%) 0.00 106
    2021-06-01 $204,900 (-7.9%) $287,586 (-30.7%) 0.00 111
    2021-07-01 $194,900 (-13.3%) $270,833 (-35.8%) 0.00 123
    2021-08-01 $199,900 (0.0%) $262,236 (-31.7%) 0.00 138
    2021-09-01 $202,900 (6.0%) $265,712 (-28.0%) 0.00 148
    2021-10-01 $195,000 (0.1%) $270,522 (-29.0%) 0.00 137
    2021-11-01 $173,900 (-17.5%) $275,478 (-26.7%) 0.00 128
    2021-12-01 $192,400 (-3.8%) $271,694 (-27.3%) 0.00 129
    2022-01-01 $189,900 (-4.5%) $265,300 (7.4%) 0.00 112
    2022-02-01 $179,000 (-7.3%) $258,119 (-0.3%) 0.00 100
    2022-03-01 $204,900 (7.9%) $264,313 (3.5%) 0.00 100
    2022-04-01 $209,900 (16.7%) $276,124 (12.0%) 0.00 99
    2022-05-01 $242,450 (21.3%) $292,123 (-2.8%) 0.00 128
    2022-06-01 $244,900 (19.5%) $290,467 (1.0%) 0.00 152
    OWENSBORO's median listing price for 2022-06-01 was $244,900, a difference of $40,000 (19.5%) versus the prior year and $2,450 versus the prior month.

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

    OWENSBORO's average listing price for 2022-06-01 was $290,467, a difference of $2,881 (1.0%) versus the prior year and $-1,656 versus the prior month.

    For the 2022-06-01 period, OWENSBORO had 152 MLS listings, a difference of 24 listings (19%) versus the prior month and 41 listings (37%) 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 1,918 sqft
    2018-02-01 0 days 1,940 sqft
    2018-03-01 0 days 1,886 sqft
    2018-04-01 0 days 1,940 sqft
    2018-05-01 0 days 1,985 sqft
    2018-06-01 0 days 1,972 sqft
    2018-07-01 0 days 1,951 sqft
    2018-08-01 0 days 1,960 sqft
    2018-09-01 0 days 1,964 sqft
    2018-10-01 0 days 1,934 sqft
    2018-11-01 0 days 1,917 sqft
    2018-12-01 0 days 1,931 sqft
    2019-01-01 0 days 1,861 sqft
    2019-02-01 0 days 1,870 sqft
    2019-03-01 0 days 1,983 sqft
    2019-04-01 0 days 2,067 sqft
    2019-05-01 0 days 2,097 sqft
    2019-06-01 0 days 2,048 sqft
    2019-07-01 0 days 1,984 sqft
    2019-08-01 0 days 1,908 sqft
    2019-09-01 0 days 1,828 sqft
    2019-10-01 0 days 1,835 sqft
    2019-11-01 0 days 1,719 sqft
    2019-12-01 0 days 1,705 sqft
    2020-01-01 0 days 1,701 sqft
    2020-02-01 0 days 1,906 sqft
    2020-03-01 0 days 1,716 sqft
    2020-04-01 0 days 1,680 sqft
    2020-05-01 0 days 1,848 sqft
    2020-06-01 0 days 1,939 sqft
    2020-07-01 0 days 2,040 sqft
    2020-08-01 0 days 1,814 sqft
    2020-09-01 0 days 1,761 sqft
    2020-10-01 0 days 1,816 sqft
    2020-11-01 0 days 1,824 sqft
    2020-12-01 0 days 1,808 sqft
    2021-01-01 0 days 1,782 sqft
    2021-02-01 0 days 1,797 sqft
    2021-03-01 0 days 1,747 sqft
    2021-04-01 0 days 1,639 sqft
    2021-05-01 0 days 1,700 sqft
    2021-06-01 0 days 1,697 sqft
    2021-07-01 0 days 1,599 sqft
    2021-08-01 0 days 1,661 sqft
    2021-09-01 0 days 1,660 sqft
    2021-10-01 0 days 1,640 sqft
    2021-11-01 0 days 1,603 sqft
    2021-12-01 0 days 1,548 sqft
    2022-01-01 0 days 1,516 sqft
    2022-02-01 0 days 1,566 sqft
    2022-03-01 0 days 1,633 sqft
    2022-04-01 0 days 1,793 sqft
    2022-05-01 0 days 1,833 sqft
    2022-06-01 0 days 1,807 sqft
    OWENSBORO's median listing age (time on market) for 2022-06-01 was 0 days.

    OWENSBORO's median square footage for active listings during the 2022-06-01 period was 1,807 sqft. One year prior, the average listing was 1,697 sqft.