Mortgage lending in Owensboro, KY
2,501 mortgages were originated in the Owensboro, KY area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,501
- Median rate
- 6.750%
- Median lender fees
- $3,855
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $155,000
- Above the going rate (spread over APOR)
- 0.260
- Paid discount points
- 24.8%
- Received lender credits
- 23.7%
- Purchases / refinances
- 51.6% / 31.8%
- Conventional / FHA / VA
- 76.6% / 16.8% / 6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Owensboro, KY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Liberty | 693 | $3,294 | 6.750% |
| Independence Bank of Kentucky | 224 | $2,815 | 6.950% |
| U.S. Bank National Association | 144 | $3,531 | 6.875% |
| United Shore Financial Services, LLC | 135 | $6,379 | 6.500% |
| Rocket Mortgage, LLC | 119 | $4,628 | 6.750% |
| South Central Bank, Inc. | 107 | — | 6.500% |
| German American Bank | 101 | — | 7.063% |
| Old National Bank | 100 | $3,570 | 6.348% |
| Fifth Third Bank, National Association | 63 | — | 8.500% |
| Fbc Mortgage, LLC | 63 | $8,866 | 4.990% |