OWENSBORO Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Owensboro averaged
6.52%
for the week of 2023-05-25, compared to the national average of
6.57% for the same period.
The average rate for the prior week (2023-05-18) was
6.04% and
one month ago for the week of 2023-04-20, the
average rate was 6.04%.
Owensboro's average rate one year ago was 4.8%.
For refis of the same type during the week of 2023-05-25, the average rate
was 5.64%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
Owensboro 30 Year Fixed Rate | 2023-05-25 | 6.52% |
Owensboro 30 Year Fixed Rate Refi | 2023-05-25 | 5.64% |
Owensboro 15 Year Fixed Rate | 2023-05-25 | 5.95% |
Owensboro 15 Year Fixed Rate Refi | 2023-05-25 | 6.05% |
Owensboro 30 Year FHA | 2023-05-25 | 6.15% |
Owensboro 30 Year FHA Refi | 2023-05-25 | 6.41% |
Owensboro 30 Year USDA | 2023-05-25 | 6.43% |
Owensboro 30 Year USDA Refi | 2023-05-25 | 6.63% |
Owensboro 30 Year VA | 2023-05-25 | 6.08% |
Owensboro 30 Year VA Refi | 2023-05-25 | 6.31% |
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.).
OWENSBORO Average Closing Costs & Other Stats
OWENSBORO, KY's 93 lenders originated 3,382
loans during 2022. The total origination value was $543,570,000, with an average loan value of
$160,724.
OWENSBORO's average closing costs are $3,810.
The top OWENSBORO lender as defined by loan originations is EVANSVILLE TEACHERS, with
366 loans originated. Their average total fees are
$2,988, which is $514
higher than the next largest lender,
Independence Bank of Kentucky.
The lowest fee OWENSBORO lenders (with over 10 loans originated) are
EVERETT FINANCIAL, INC. ($2,393), Independence Bank of Kentucky ($2,474), SOUTH CENTRAL BANK, INC. ($2,743), RUOFF MORTGAGE COMPANY, INC. ($2,862) and U.S. Bank ($2,946).
The lowest rate OWENSBORO lenders (with over 10 loans originated) are
Independence Bank of Kentucky (4.55%), Old National Bank (4.70%), UNITED WHOLESALE MORTGAGE, LLC (4.73%), SOUTH CENTRAL BANK, INC. (4.88%) and Bank of England (4.91%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
---|---|---|---|---|
EVANSVILLE TEACHERS | $216,220,000 | $145,740,000 | -32.6% | 26.8% |
Independence Bank of Kentucky | $75,505,000 | $56,045,000 | -25.8% | 10.3% |
U.S. Bank | $45,080,000 | $30,090,000 | -33.3% | 5.5% |
Old National Bank | $37,335,000 | $26,995,000 | -27.7% | 5.0% |
FBC MORTGAGE, LLC | $26,500,000 | $24,385,000 | -8.0% | 4.5% |
German American Bank | $31,035,000 | $21,475,000 | -30.8% | 4.0% |
RUOFF MORTGAGE COMPANY, INC. | $50,910,000 | $20,940,000 | -58.9% | 3.9% |
QUICKEN LOANS, LLC | $38,125,000 | $17,925,000 | -53.0% | 3.3% |
SOUTH CENTRAL BANK, INC. | $32,625,000 | $14,605,000 | -55.2% | 2.7% |
UNITED WHOLESALE MORTGAGE, LLC | $20,210,000 | $14,340,000 | -29.0% | 2.6% |
Fifth Third Bank | $9,375,000 | $11,995,000 | 27.9% | 2.2% |
EVERETT FINANCIAL, INC. | $675,000 | $10,400,000 | 1,440.7% | 1.9% |
Farm Credit Mid-America, ACA | $9,750,000 | $8,850,000 | -9.2% | 1.6% |
MOVEMENT MORTGAGE, LLC | $3,090,000 | $7,780,000 | 151.8% | 1.4% |
Truist | $13,280,000 | $7,705,000 | -42.0% | 1.4% |
Mortgage Research Center, LLC | $9,200,000 | $7,520,000 | -18.3% | 1.4% |
JPMorgan Chase Bank | $6,035,000 | $5,845,000 | -3.1% | 1.1% |
PNC Bank | $5,260,000 | $4,620,000 | -12.2% | 0.8% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $11,945,000 | $4,400,000 | -63.2% | 0.8% |
TOP FLITE FINANCIAL, INC. | $4,340,000 | $3,545,000 | -18.3% | 0.7% |
PENNYMAC LOAN SERVICES, LLC | $6,745,000 | $3,010,000 | -55.4% | 0.6% |
LOANDEPOT.COM, LLC | $5,890,000 | $2,975,000 | -49.5% | 0.5% |
AMERISAVE MORTGAGE CORPORATION | $7,185,000 | $2,735,000 | -61.9% | 0.5% |
Bank of England | $3,520,000 | $2,725,000 | -22.6% | 0.5% |
Heritage Federal Credit Union | $1,450,000 | $2,705,000 | 86.6% | 0.5% |
The Sacramento Deposit Bank | $2,500,000 | n/a | 0.5% | |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,790,000 | $2,380,000 | -37.2% | 0.4% |
USAA Federal Savings Bank | $1,225,000 | $2,380,000 | 94.3% | 0.4% |
FREEDOM MORTGAGE CORPORATION | $13,870,000 | $2,275,000 | -83.6% | 0.4% |
Limestone Bank, Inc. | $1,600,000 | $2,265,000 | 41.6% | 0.4% |
Mr. Cooper ( Nationstar Mortgage ) | $3,870,000 | $2,175,000 | -43.8% | 0.4% |
Wells Fargo Bank | $3,170,000 | $2,025,000 | -36.1% | 0.4% |
Citizens Bank | $2,315,000 | $1,855,000 | -19.9% | 0.3% |
HOMESIDE FINANCIAL, LLC | $1,455,000 | $1,530,000 | 5.2% | 0.3% |
Carrington Mortgage Services, LLC | $3,485,000 | $1,425,000 | -59.1% | 0.3% |
The Huntington National Bank | $1,160,000 | $1,410,000 | 21.6% | 0.3% |
21ST MORTGAGE CORPORATION | $1,805,000 | $1,370,000 | -24.1% | 0.3% |
MORTGAGE MASTERS OF INDIANA, INC. | $855,000 | $1,295,000 | 51.5% | 0.2% |
Carrollton Bank | $1,275,000 | n/a | 0.2% | |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $575,000 | $1,200,000 | 108.7% | 0.2% |
Farmers Bank and Trust Company | $785,000 | $1,165,000 | 48.4% | 0.2% |
NAVY FEDERAL CREDIT UNION | $3,745,000 | $1,105,000 | -70.5% | 0.2% |
GUARANTY HOME MORTGAGE CORPORATION | $1,575,000 | $1,080,000 | -31.4% | 0.2% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $710,000 | $1,075,000 | 51.4% | 0.2% |
AMWEST FUNDING CORP. | $1,025,000 | n/a | 0.2% | |
BROKER SOLUTIONS, INC. | $3,115,000 | $980,000 | -68.5% | 0.2% |
Sierra Pacific Mortgage Company, Inc. | $10,900,000 | $980,000 | -91.0% | 0.2% |
First Financial Bank | $95,000 | $950,000 | 900.0% | 0.2% |
STOCKTON MORTGAGE CORPORATION | $2,240,000 | $945,000 | -57.8% | 0.2% |
Central Bank & Trust Company | $75,000 | $935,000 | 1,146.7% | 0.2% |
Nations Lending Corporation | $125,000 | $825,000 | 560.0% | 0.2% |
Pinnacle Bank | $795,000 | n/a | 0.1% | |
Bank of America | $575,000 | $760,000 | 32.2% | 0.1% |
FIELD & MAIN BANK, INC. | $1,055,000 | $755,000 | -28.4% | 0.1% |
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $690,000 | n/a | 0.1% | |
LIMA ONE CAPITAL, LLC | $665,000 | n/a | 0.1% | |
Equity Prime Mortgage LLC | $650,000 | n/a | 0.1% | |
GVC MORTGAGE, INC. | $350,000 | $630,000 | 80.0% | 0.1% |
North American Savings Bank, F.S.B. | $225,000 | $615,000 | 173.3% | 0.1% |
Warsaw Federal Savings and Loan Association | $595,000 | n/a | 0.1% | |
Republic Bank & Trust Company | $1,680,000 | $590,000 | -64.9% | 0.1% |
CHURCHILL MORTGAGE CORPORATION | $945,000 | $585,000 | -38.1% | 0.1% |
MUTUAL OF OMAHA MORTGAGE, INC. | $1,465,000 | $565,000 | -61.4% | 0.1% |
First Federal Savings Bank | $65,000 | $550,000 | 746.2% | 0.1% |
ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $545,000 | n/a | 0.1% | |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $225,000 | $535,000 | 137.8% | 0.1% |
Magnolia Bank | $270,000 | $530,000 | 96.3% | 0.1% |
The Cecilian Bank | $170,000 | $515,000 | 202.9% | 0.1% |
Ixonia Bank | $505,000 | n/a | 0.1% | |
Ally Bank | $690,000 | $495,000 | -28.3% | 0.1% |
Northpointe Bank | $185,000 | $465,000 | 151.4% | 0.1% |
CALIBER HOME LOANS, INC. | $1,215,000 | $455,000 | -62.6% | 0.1% |
FIRST COMMUNITY MORTGAGE, INC. | $705,000 | $450,000 | -36.2% | 0.1% |
AMERICAN FINANCIAL RESOURCES, INC. | $255,000 | $435,000 | 70.6% | 0.1% |
THRIVE MORTGAGE, LLC | $310,000 | $425,000 | 37.1% | 0.1% |
Wyndham Capital Mortgage, Inc. | $440,000 | $425,000 | -3.4% | 0.1% |
MEMBERS HERITAGE Credit Union | $415,000 | n/a | 0.1% | |
The Federal Savings Bank | $565,000 | $400,000 | -29.2% | 0.1% |
COMMONWEALTH | $100,000 | $395,000 | 295.0% | 0.1% |
ENVOY MORTGAGE, LTD | $385,000 | n/a | 0.1% | |
Great Southern Bank | $375,000 | n/a | 0.1% | |
SIRVA MORTGAGE, INC. | $370,000 | n/a | 0.1% | |
Barrington Bank & Trust Company, N.A. | $960,000 | $360,000 | -62.5% | 0.1% |
AMERICAN MORTGAGE SERVICE COMPANY | $325,000 | $355,000 | 9.2% | 0.1% |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $350,000 | n/a | 0.1% | |
PREMIA MORTGAGE, LLC | $345,000 | n/a | 0.1% | |
ALLIANT CREDIT UNION | $175,000 | $340,000 | 94.3% | 0.1% |
GUARANTEED RATE AFFINITY, LLC | $115,000 | $335,000 | 191.3% | 0.1% |
RELIANCE FIRST CAPITAL, LLC | $175,000 | $330,000 | 88.6% | 0.1% |
SUN WEST MORTGAGE COMPANY, INC. | $540,000 | $325,000 | -39.8% | 0.1% |
AMERIFIRST FINANCIAL CORPORATION | $1,065,000 | $315,000 | -70.4% | 0.1% |
First Federal Bank of the Midwest | $315,000 | n/a | 0.1% | |
NEW DAY FINANCIAL, LLC | $865,000 | $315,000 | -63.6% | 0.1% |
PLANET HOME LENDING, LLC | $575,000 | $315,000 | -45.2% | 0.1% |
SOUTHWEST FUNDING, LP | $295,000 | $300,000 | 1.7% | 0.1% |
First National Bank of America | $150,000 | $290,000 | 93.3% | 0.1% |
M&T Bank | $115,000 | $280,000 | 143.5% | 0.1% |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $225,000 | $275,000 | 22.2% | 0.1% |
NEWREZ LLC | $1,465,000 | $275,000 | -81.2% | 0.1% |
LAKEVIEW LOAN SERVICING, LLC | $1,550,000 | $270,000 | -82.6% | 0.0% |
The Monticello Banking Company | $55,000 | $270,000 | 390.9% | 0.0% |
WesBanco Bank, Inc. | $270,000 | n/a | 0.0% | |
GREAT LAKES | $265,000 | n/a | 0.0% | |
THE MORTGAGE WAREHOUSE,LLC | $255,000 | $265,000 | 3.9% | 0.0% |
Servion, Inc. | $255,000 | n/a | 0.0% | |
CapStar Bank | $165,000 | $250,000 | 51.5% | 0.0% |
Park Lane Finance Solutions, LLC | $125,000 | $250,000 | 100.0% | 0.0% |
ASSEMBLIES OF GOD Credit Union | $245,000 | n/a | 0.0% | |
DUPACO COMMUNITY | $245,000 | n/a | 0.0% | |
Low VA Rates, LLC | $245,000 | n/a | 0.0% | |
National Exchange Bank and Trust | $245,000 | n/a | 0.0% | |
Paramount Residential Mortgage Group, Inc. | $735,000 | $245,000 | -66.7% | 0.0% |
CREDIT UNION MORTGAGE ASSOCIATION, INC. | $235,000 | n/a | 0.0% | |
First Internet Bank of Indiana | $235,000 | n/a | 0.0% | |
Northwest Federal Credit Union | $235,000 | n/a | 0.0% | |
OPTION FINANCIAL, LLC | $235,000 | n/a | 0.0% | |
Stock Yards Bank & Trust Company | $545,000 | $235,000 | -56.9% | 0.0% |
CMG MORTGAGE, INC. | $960,000 | $225,000 | -76.6% | 0.0% |
First Horizon Bank | $225,000 | n/a | 0.0% | |
Hometown Lenders, Inc. | $145,000 | $215,000 | 48.3% | 0.0% |
INDIANA MEMBERS CREDIT UNION | $215,000 | n/a | 0.0% | |
1ST SIGNATURE LENDING, LLC | $545,000 | $205,000 | -62.4% | 0.0% |
CRESCENT MORTGAGE COMPANY | $205,000 | n/a | 0.0% | |
Meade County Bank | $205,000 | n/a | 0.0% | |
Flagstar Bank, FSB | $355,000 | $200,000 | -43.7% | 0.0% |
CLASS ACT FEDERAL CREDIT UNION | $85,000 | $195,000 | 129.4% | 0.0% |
CROSSCOUNTRY MORTGAGE, LLC | $470,000 | $195,000 | -58.5% | 0.0% |
NETWORK CAPITAL FUNDING CORPORATION | $195,000 | n/a | 0.0% | |
TRIAD FINANCIAL SERVICES, INC. | $500,000 | $195,000 | -61.0% | 0.0% |
Morgantown Bank & Trust Company, Incorporated | $185,000 | n/a | 0.0% | |
PROVIDENT FUNDING ASSOCIATES, L.P. | $530,000 | $185,000 | -65.1% | 0.0% |
Southern Bank of Tennessee | $185,000 | n/a | 0.0% | |
HOME POINT FINANCIAL CORPORATION | $3,175,000 | $180,000 | -94.3% | 0.0% |
AMERICAN ADVISORS GROUP | $310,000 | $175,000 | -43.5% | 0.0% |
PARTNERS UNITED FINANCIAL, LLC | $165,000 | n/a | 0.0% | |
First Southern National Bank | $115,000 | $160,000 | 39.1% | 0.0% |
GERSHMAN INVESTMENT CORP. | $135,000 | $160,000 | 18.5% | 0.0% |
Abound Federal Credit Union | $545,000 | $155,000 | -71.6% | 0.0% |
Bank of Edmonson County | $155,000 | n/a | 0.0% | |
Lakeview Community Capital, LLC | $155,000 | n/a | 0.0% | |
SUCCESS MORTGAGE PARTNERS, INC. | $150,000 | n/a | 0.0% | |
UNIVERSITY OF KENTUCKY | $395,000 | $140,000 | -64.6% | 0.0% |
BEST CAPITAL FUNDING | $135,000 | n/a | 0.0% | |
BETTER MORTGAGE CORPORATION | $1,070,000 | $135,000 | -87.4% | 0.0% |
BNC National Bank | $135,000 | n/a | 0.0% | |
EMM LOANS LLC | $135,000 | n/a | 0.0% | |
MORTGAGE 1 INCORPORATED | $545,000 | $135,000 | -75.2% | 0.0% |
Plains Commerce Bank | $135,000 | n/a | 0.0% | |
The Union Bank Company | $185,000 | $135,000 | -27.0% | 0.0% |
TRANSCEND | $710,000 | $135,000 | -81.0% | 0.0% |
Discover Bank | $210,000 | $125,000 | -40.5% | 0.0% |
SOVEREIGN LENDING GROUP INCORPORATED | $125,000 | n/a | 0.0% | |
West Point Bank | $125,000 | n/a | 0.0% | |
KELLER MORTGAGE, LLC | $1,010,000 | $115,000 | -88.6% | 0.0% |
ZILLOW HOME LOANS, LLC | $125,000 | $115,000 | -8.0% | 0.0% |
L & N Federal Credit Union | $110,000 | n/a | 0.0% | |
FirstBank | $740,000 | $105,000 | -85.8% | 0.0% |
LONGBRIDGE FINANCIAL, LLC | $105,000 | n/a | 0.0% | |
AMERICAN FINANCING CORPORATION | $1,140,000 | $95,000 | -91.7% | 0.0% |
FCB Banks | $95,000 | n/a | 0.0% | |
Planters Bank, Inc. | $95,000 | n/a | 0.0% | |
MIDWEST LOAN SOLUTIONS, INC. | $85,000 | n/a | 0.0% | |
First Guaranty Mortgage Corporation | $545,000 | $75,000 | -86.2% | 0.0% |
REVERSE MORTGAGE FUNDING LLC | $75,000 | n/a | 0.0% | |
SPRING EQ, LLC | $75,000 | n/a | 0.0% | |
PHH Mortgage Corporation | $210,000 | $65,000 | -69.0% | 0.0% |
ROYAL UNITED MORTGAGE LLC | $1,015,000 | $65,000 | -93.6% | 0.0% |
First Financial Bank | $95,000 | $55,000 | -42.1% | 0.0% |
Whitaker Bank | $55,000 | n/a | 0.0% | |
OPEN MORTGAGE, LLC | $35,000 | n/a | 0.0% |
OWENSBORO's top lender by overall market share is EVANSVILLE TEACHERS, with 26.8% market share. In second place, with 10.3%, is Independence Bank of Kentucky, having originated $56,045,000 in loans. In third place, with 5.5%, is U.S. Bank, having originated $30,090,000 in loans. In fourth place, with 5.0%, is Old National Bank, having originated $26,995,000 in loans. In fifth place, with 4.5%, is FBC MORTGAGE, LLC, having originated $24,385,000 in loans.
OWENSBORO Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - OWENSBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $176,647 (10.8%) | $249,354 (24.7%) | 0.00 | 288 |
2018-02-01 | $176,981 (7.3%) | $252,789 (27.8%) | 0.00 | 281 |
2018-03-01 | $174,900 (2.9%) | $244,957 (22.0%) | 0.00 | 273 |
2018-04-01 | $178,450 (0.9%) | $248,989 (17.6%) | 0.00 | 280 |
2018-05-01 | $178,611 (-2.1%) | $252,062 (8.3%) | 0.00 | 281 |
2018-06-01 | $184,900 (6.9%) | $323,747 (40.0%) | 0.00 | 301 |
2018-07-01 | $184,900 (7.2%) | $315,937 (30.3%) | 0.00 | 326 |
2018-08-01 | $183,400 (0.7%) | $308,756 (25.2%) | 0.00 | 346 |
2018-09-01 | $179,950 (5.9%) | $305,363 (27.6%) | 0.00 | 347 |
2018-10-01 | $182,400 (9.0%) | $301,713 (25.2%) | 0.00 | 358 |
2018-11-01 | $179,900 (9.1%) | $298,575 (25.9%) | 0.00 | 357 |
2018-12-01 | $179,900 (9.1%) | $306,610 (29.2%) | 0.00 | 318 |
2019-01-01 | $179,560 (1.7%) | $311,862 (25.1%) | 0.00 | 302 |
2019-02-01 | $179,911 (1.7%) | $310,220 (22.7%) | 0.00 | 290 |
2019-03-01 | $190,950 (9.2%) | $328,149 (34.0%) | 0.00 | 273 |
2019-04-01 | $208,700 (17.0%) | $336,297 (35.1%) | 0.00 | 261 |
2019-05-01 | $209,725 (17.4%) | $327,032 (29.7%) | 0.00 | 262 |
2019-06-01 | $199,900 (8.1%) | $321,147 (-0.8%) | 0.00 | 288 |
2019-07-01 | $185,450 (0.3%) | $311,611 (-1.4%) | 0.00 | 318 |
2019-08-01 | $184,900 (0.8%) | $244,157 (-20.9%) | 0.00 | 331 |
2019-09-01 | $189,900 (5.5%) | $244,484 (-19.9%) | 0.00 | 292 |
2019-10-01 | $187,250 (2.7%) | $237,863 (-21.2%) | 0.00 | 321 |
2019-11-01 | $179,900 (0.0%) | $234,987 (-21.3%) | 0.00 | 312 |
2019-12-01 | $184,900 (2.8%) | $237,181 (-22.6%) | 0.00 | 285 |
2020-01-01 | $179,900 (0.2%) | $235,181 (-24.6%) | 0.00 | 261 |
2020-02-01 | $186,125 (3.5%) | $311,998 (0.6%) | 0.00 | 240 |
2020-03-01 | $177,300 (-7.2%) | $307,151 (-6.4%) | 0.00 | 231 |
2020-04-01 | $176,450 (-15.5%) | $320,182 (-4.8%) | 0.00 | 215 |
2020-05-01 | $189,453 (-9.7%) | $360,468 (10.2%) | 0.00 | 154 |
2020-06-01 | $204,524 (2.3%) | $381,550 (18.8%) | 0.00 | 139 |
2020-07-01 | $198,975 (7.3%) | $375,026 (20.4%) | 0.00 | 144 |
2020-08-01 | $189,500 (2.5%) | $357,732 (46.5%) | 0.00 | 161 |
2020-09-01 | $186,953 (-1.6%) | $346,784 (41.8%) | 0.00 | 171 |
2020-10-01 | $189,900 (1.4%) | $349,454 (46.9%) | 0.00 | 168 |
2020-11-01 | $191,900 (6.7%) | $355,545 (51.3%) | 0.00 | 161 |
2020-12-01 | $190,550 (3.1%) | $357,838 (50.9%) | 0.00 | 148 |
2021-01-01 | $193,700 (7.7%) | $245,967 (4.6%) | 0.00 | 144 |
2021-02-01 | $194,200 (4.3%) | $261,590 (-16.2%) | 0.00 | 116 |
2021-03-01 | $189,800 (7.1%) | $252,412 (-17.8%) | 0.00 | 109 |
2021-04-01 | $177,200 (0.4%) | $246,955 (-22.9%) | 0.00 | 119 |
2021-05-01 | $199,900 (5.5%) | $300,932 (-16.5%) | 0.00 | 104 |
2021-06-01 | $205,400 (0.4%) | $285,759 (-25.1%) | 0.00 | 112 |
2021-07-01 | $189,900 (-4.6%) | $269,648 (-28.1%) | 0.00 | 130 |
2021-08-01 | $199,925 (5.5%) | $262,782 (-26.5%) | 0.00 | 140 |
2021-09-01 | $202,650 (8.4%) | $266,914 (-23.0%) | 0.00 | 152 |
2021-10-01 | $199,000 (4.8%) | $271,695 (-22.3%) | 0.00 | 136 |
2021-11-01 | $173,150 (-9.8%) | $278,097 (-21.8%) | 0.00 | 128 |
2021-12-01 | $196,700 (3.2%) | $273,001 (-23.7%) | 0.00 | 130 |
2022-01-01 | $189,500 (-2.2%) | $266,264 (8.3%) | 0.00 | 112 |
2022-02-01 | $178,200 (-8.2%) | $257,300 (-1.6%) | 0.00 | 102 |
2022-03-01 | $199,900 (5.3%) | $263,249 (4.3%) | 0.00 | 102 |
2022-04-01 | $209,500 (18.2%) | $277,311 (12.3%) | 0.00 | 97 |
2022-05-01 | $242,400 (21.3%) | $294,812 (-2.0%) | 0.00 | 128 |
2022-06-01 | $246,175 (19.9%) | $292,614 (2.4%) | 0.00 | 154 |
2022-07-01 | $259,900 (36.9%) | $305,176 (13.2%) | 0.00 | 178 |
2022-08-01 | $259,591 (29.8%) | $309,316 (17.7%) | 0.00 | 181 |
2022-09-01 | $243,725 (20.3%) | $298,960 (12.0%) | 0.00 | 197 |
2022-10-01 | $234,900 (18.0%) | $298,324 (9.8%) | 0.00 | 201 |
2022-11-01 | $233,700 (35.0%) | $299,014 (7.5%) | 0.00 | 236 |
2022-12-01 | $235,900 (19.9%) | $349,357 (28.0%) | 0.00 | 241 |
2023-01-01 | $252,925 (33.5%) | $354,002 (33.0%) | 0.00 | 230 |
2023-02-01 | $254,725 (42.9%) | $358,436 (39.3%) | 0.00 | 213 |
2023-03-01 | $260,350 (30.2%) | $380,004 (44.4%) | 0.00 | 180 |
2023-04-01 | $274,000 (30.8%) | $405,666 (46.3%) | 0.00 | 160 |
OWENSBORO's median listing price comes in at 0% of the national average.
OWENSBORO's average listing price for 2023-04-01 was $405,666, a difference of $128,355 (46.3%) versus the prior year and $25,662 versus the prior month.
For the 2023-04-01 period, OWENSBORO had 160 MLS listings, a difference of -20 listings (-11%) versus the prior month and 63 listings (65%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - OWENSBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,909 sqft |
2018-02-01 | 0 days | 1,893 sqft |
2018-03-01 | 0 days | 1,870 sqft |
2018-04-01 | 0 days | 1,933 sqft |
2018-05-01 | 0 days | 1,965 sqft |
2018-06-01 | 0 days | 1,966 sqft |
2018-07-01 | 0 days | 1,950 sqft |
2018-08-01 | 0 days | 1,962 sqft |
2018-09-01 | 0 days | 1,966 sqft |
2018-10-01 | 0 days | 1,940 sqft |
2018-11-01 | 0 days | 1,940 sqft |
2018-12-01 | 0 days | 1,941 sqft |
2019-01-01 | 0 days | 1,860 sqft |
2019-02-01 | 0 days | 1,897 sqft |
2019-03-01 | 0 days | 1,969 sqft |
2019-04-01 | 0 days | 2,134 sqft |
2019-05-01 | 0 days | 2,035 sqft |
2019-06-01 | 0 days | 2,067 sqft |
2019-07-01 | 0 days | 1,982 sqft |
2019-08-01 | 0 days | 1,900 sqft |
2019-09-01 | 0 days | 1,938 sqft |
2019-10-01 | 0 days | 1,770 sqft |
2019-11-01 | 0 days | 1,704 sqft |
2019-12-01 | 0 days | 1,694 sqft |
2020-01-01 | 0 days | 1,697 sqft |
2020-02-01 | 0 days | 1,835 sqft |
2020-03-01 | 0 days | 1,696 sqft |
2020-04-01 | 0 days | 1,690 sqft |
2020-05-01 | 0 days | 1,814 sqft |
2020-06-01 | 0 days | 1,824 sqft |
2020-07-01 | 0 days | 1,916 sqft |
2020-08-01 | 0 days | 1,764 sqft |
2020-09-01 | 0 days | 1,740 sqft |
2020-10-01 | 0 days | 1,772 sqft |
2020-11-01 | 0 days | 1,776 sqft |
2020-12-01 | 0 days | 1,770 sqft |
2021-01-01 | 0 days | 1,747 sqft |
2021-02-01 | 0 days | 1,777 sqft |
2021-03-01 | 0 days | 1,715 sqft |
2021-04-01 | 0 days | 1,659 sqft |
2021-05-01 | 0 days | 1,698 sqft |
2021-06-01 | 0 days | 1,679 sqft |
2021-07-01 | 0 days | 1,596 sqft |
2021-08-01 | 0 days | 1,659 sqft |
2021-09-01 | 0 days | 1,666 sqft |
2021-10-01 | 0 days | 1,630 sqft |
2021-11-01 | 0 days | 1,599 sqft |
2021-12-01 | 0 days | 1,551 sqft |
2022-01-01 | 0 days | 1,515 sqft |
2022-02-01 | 0 days | 1,555 sqft |
2022-03-01 | 0 days | 1,612 sqft |
2022-04-01 | 0 days | 1,739 sqft |
2022-05-01 | 0 days | 1,814 sqft |
2022-06-01 | 0 days | 1,813 sqft |
2022-07-01 | 0 days | 1,896 sqft |
2022-08-01 | 0 days | 1,907 sqft |
2022-09-01 | 0 days | 1,736 sqft |
2022-10-01 | 0 days | 1,683 sqft |
2022-11-01 | 0 days | 1,699 sqft |
2022-12-01 | 0 days | 1,700 sqft |
2023-01-01 | 0 days | 1,774 sqft |
2023-02-01 | 0 days | 1,798 sqft |
2023-03-01 | 0 days | 1,800 sqft |
2023-04-01 | 0 days | 1,785 sqft |
OWENSBORO's median square footage for active listings during the 2023-04-01 period was 1,785 sqft. One year prior, the average listing was 1,739 sqft.
OWENSBORO, KY Average Rent (2023)
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Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
---|---|---|---|---|---|---|
42301 | Owensboro, KY | $600 | $650 | $850 | $1,110 | $1,150 |
42302 | Owensboro, KY | $600 | $650 | $850 | $1,110 | $1,150 |
42303 | Owensboro, KY | $600 | $650 | $850 | $1,110 | $1,150 |
42304 | Owensboro, KY | $600 | $650 | $850 | $1,110 | $1,150 |
42322 | Owensboro, KY | $560 | $610 | $800 | $1,040 | $1,080 |
42327 | Owensboro, KY | $560 | $610 | $800 | $1,040 | $1,080 |
42330 | Owensboro, KY | $540 | $570 | $740 | $970 | $1,010 |
42343 | Owensboro, KY | $540 | $570 | $740 | $970 | $1,010 |
42348 | Owensboro, KY | $540 | $570 | $740 | $970 | $1,010 |
42350 | Owensboro, KY | $540 | $570 | $740 | $970 | $1,010 |
42351 | Owensboro, KY | $540 | $570 | $750 | $980 | $1,020 |
42352 | Owensboro, KY | $540 | $570 | $740 | $970 | $1,010 |
42355 | Owensboro, KY | $540 | $580 | $760 | $990 | $1,030 |
42356 | Owensboro, KY | $600 | $650 | $850 | $1,110 | $1,150 |
42364 | Owensboro, KY | $540 | $570 | $750 | $980 | $1,020 |
42366 | Owensboro, KY | $660 | $710 | $940 | $1,230 | $1,270 |
42368 | Owensboro, KY | $540 | $570 | $740 | $970 | $1,010 |
42371 | Owensboro, KY | $540 | $570 | $740 | $970 | $1,010 |
42372 | Owensboro, KY | $540 | $570 | $740 | $970 | $1,010 |
42376 | Owensboro, KY | $610 | $650 | $860 | $1,120 | $1,170 |
42378 | Owensboro, KY | $540 | $570 | $740 | $970 | $1,010 |
2022 Average & Median Rent Data Statistics
OWENSBORO, KY average 1BR rent: $604, median: $570
OWENSBORO, KY average 2BR rent: $789, median: $750
OWENSBORO, KY average 3BR rent: $1,031, median: $980
OWENSBORO, KY Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 1,850 | $361,890,000 | $195,616 |
Cash Out Refi | 482 | $57,270,000 | $118,817 |
Refi | 478 | $80,410,000 | $168,222 |
Other | 307 | $24,185,000 | $78,779 |
Home Improvement | 265 | $19,815,000 | $74,774 |
Owensboro's most frequently cited loan purpose was Home Purchase, with 1,850 originations. The 2nd most popular reason was Cash Out Refi, with 482 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
5-6% | 849 | $135,485,000 | $159,582 |
3-4% | 800 | $136,780,000 | $170,975 |
4-5% | 737 | $128,835,000 | $174,810 |
6-7% | 415 | $62,165,000 | $149,795 |
2.5-3% | 143 | $25,905,000 | $181,154 |
7-8% | 130 | $17,710,000 | $136,231 |
<2.5% | 127 | $13,335,000 | $105,000 |
Over 8% | 63 | $4,285,000 | $68,016 |
During 2022, Owensboro's most frequently originated rate bucket was 5-6%, with 849 originations.
Loan Sizing (OWENSBORO, KY MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 1,290 | $188,120,000 | $145,829 |
$100,000 or less | 1,146 | $62,960,000 | $54,939 |
$200k-400k | 813 | $212,495,000 | $261,371 |
$400k-600k | 95 | $44,065,000 | $463,842 |
$600k-1000k | 27 | $19,375,000 | $717,593 |
$Over $1MM | 11 | $16,555,000 | $1,505,000 |
OWENSBORO's loan sizing saw the bucket of loans from $100k-200k with 1,290 originations, totaling $188,120,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 1,271 | $264,905,000 | $208,423 |
60-80% | 794 | $154,140,000 | $194,131 |
20-40% | 414 | $34,450,000 | $83,213 |
Under 20% | 402 | $14,280,000 | $35,522 |
40-60% | 337 | $44,885,000 | $133,190 |
Over 100% | 36 | $10,390,000 | $288,611 |
OWENSBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,271 originations, totaling $264,905,000 in origination value.