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 6.52% 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%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    EVANSVILLE TEACHERS 366 4.92% $2,988
    Independence Bank of Kentucky 84 4.55% $2,474
    U.S. Bank 84 5.24% $2,946
    FBC MORTGAGE, LLC 52 5.26% $5,006
    QUICKEN LOANS, LLC 44 5.07% $5,601
    Old National Bank 43 4.70% $3,208
    German American Bank 41 5.16% $3,387
    RUOFF MORTGAGE COMPANY, INC. 40 5.29% $2,862
    EVERETT FINANCIAL, INC. 34 5.97% $2,393
    UNITED WHOLESALE MORTGAGE, LLC 32 4.73% $5,082
    JPMorgan Chase Bank 21 5.19% $3,594
    Farm Credit Mid-America, ACA 20 5.19% $7,428
    SOUTH CENTRAL BANK, INC. 19 4.88% $2,743
    Fifth Third Bank 13 4.95% $3,038
    Bank of England 12 4.91% $3,987
    Heritage Federal Credit Union 10 5.31% $3,983
    Truist 9 4.80% $3,385
    AMERISAVE MORTGAGE CORPORATION 9 4.24% $5,348
    PENNYMAC LOAN SERVICES, LLC 8 5.42% $6,236
    Wells Fargo Bank 8 5.16% $3,989
    MOVEMENT MORTGAGE, LLC 8 4.64% $4,095
    Mr. Cooper ( Nationstar Mortgage ) 8 5.02% $5,035
    PNC Bank 7 4.16% $3,225
    PRIMARY RESIDENTIAL MORTGAGE, INC. 7 4.27% $3,971
    Citizens Bank 5 4.33% $2,713
    LOANDEPOT.COM, LLC 4 4.75% $4,126
    BROKER SOLUTIONS, INC. 4 4.84% $5,546
    The Huntington National Bank 4 5.22% $6,050
    GUARANTY HOME MORTGAGE CORPORATION 4 5.13% $3,199
    MORTGAGE MASTERS OF INDIANA, INC. 4 5.97% $3,217
    Republic Bank & Trust Company 3 4.33% $4,118
    THRIVE MORTGAGE, LLC 3 4.92% $2,992
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 3 5.08% $3,994
    HOMESIDE FINANCIAL, LLC 3 5.33% $3,191
    Ally Bank 3 3.63% $2,708
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 4.67% $3,036
    FIRST COMMUNITY MORTGAGE, INC. 3 8.00% $5,040
    Northpointe Bank 3 5.12% $2,975
    First National Bank of America 2 6.88% $6,337
    Flagstar Bank, FSB 2 4.56% $4,612
    Carrington Mortgage Services, LLC 2 4.31% $5,100
    SIRVA MORTGAGE, INC. 2 6.25% $0
    AMERIFIRST FINANCIAL CORPORATION 2 4.50% $4,542
    NAVY FEDERAL CREDIT UNION 2 4.69% $5,318
    Sierra Pacific Mortgage Company, Inc. 2 4.25% $4,669
    First Federal Savings Bank 2 5.50% $2,938
    USAA Federal Savings Bank 2 5.56% $4,823
    CARDINAL FINANCIAL 2 3.38% $4,067
    ZILLOW HOME LOANS, LLC 1 4.63% $4,593
    ALLIANT CREDIT UNION 1 4.00% $3,719
    AMERICAN FINANCIAL RESOURCES, INC. 1 3.88% $3,782
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.50% $4,468
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.63% $708
    ASSEMBLIES OF GOD Credit Union 1 5.88% $2,940
    Bank of America 1 3.25% $3,189
    BEST CAPITAL FUNDING 1 3.75% $3,004
    BETTER MORTGAGE CORPORATION 1 3.38% $4,122
    BNC National Bank 1 3.75% $2,080
    Central Bank & Trust Company 1 5.75% $2,407
    CROSSCOUNTRY MORTGAGE, LLC 1 6.38% $3,057
    EMM LOANS LLC 1 3.50% $6,616
    ENVOY MORTGAGE, LTD 1 3.88% $5,367
    First Financial Bank 1 5.63% $2,896
    First Horizon Bank 1 5.13% $5,347
    First Internet Bank of Indiana 1 7.00% $3,296
    FREEDOM MORTGAGE CORPORATION 1 4.25% $5,034
    GREAT LAKES 1 4.50% $3,780
    Great Southern Bank 1 2.90% $3,484
    GVC MORTGAGE, INC. 1 5.00% $4,091
    Hometown Lenders, Inc. 1 7.25% $4,000
    Ixonia Bank 1 4.75% $10,208
    KELLER MORTGAGE, LLC 1 5.75% $2,698
    MEMBERS HERITAGE Credit Union 1 3.75% $8,242
    MORTGAGE 1 INCORPORATED 1 5.50% $6,018
    Mortgage Research Center, LLC 1 6.63% $3,147
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.38% $9,742
    North American Savings Bank, F.S.B. 1 4.00% $4,384
    OPTION FINANCIAL, LLC 1 4.25% $2,345
    Paramount Residential Mortgage Group, Inc. 1 5.99% $4,383
    PARTNERS UNITED FINANCIAL, LLC 1 5.63% $3,091
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 4.63% $3,164
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 5.13% $4,046
    SOUTHWEST FUNDING, LP 1 7.50% $4,637
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.50% $6,099
    STOCKTON MORTGAGE CORPORATION 1 5.75% $3,940
    Stock Yards Bank & Trust Company 1 5.13% $2,776
    The Cecilian Bank 1 4.42% $3,129
    THE MORTGAGE WAREHOUSE,LLC 1 5.25% $3,230
    TOP FLITE FINANCIAL, INC. 1 5.88% $3,060
    TRANSCEND 1 5.75% $2,951
    Warsaw Federal Savings and Loan Association 1 3.25% $4,672
    Wyndham Capital Mortgage, Inc. 1 3.25% $2,584
    21ST MORTGAGE CORPORATION 1 6.75% $7,595

    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. Louis
    Date 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 for 2023-04-01 was $274,000, a difference of $64,500 (30.8%) versus the prior year and $13,650 versus the prior month.

    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. Louis
    Date 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 listing age (time on market) for 2023-04-01 was 0 days.

    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)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    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.