Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Daviess County, Kentucky
Every institution that decided a 1–4 unit mortgage application in Daviess County, home to Owensboro, between 2023 and 2025: 7,446 applications, 6,038 loans actually funded, across 8 kinds of borrowing.
Daviess County at a glance
7,446Applications decided
2023–2025
6,038Loans funded
81% of decisions
24Census tracts
5 ZIP codes
103,195People
ACS 2023
What the data shows
The typical purchase mortgage here is $185K.
Lending by loan type in Daviess County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.4% | 3,778 | $185K | 97% | 179 |
| Home improvement loans | 70.0% | 804 | $55K | 93% | 48 |
| Cash-out refinance | 78.7% | 1,381 | $55K | 98% | 97 |
| Refinance | 84.7% | 882 | $105K | 97% | 88 |
| Investment property purchase | 94.7% | 431 | $115K | 98% | 69 |
| Investment cash-out refinance | 81.2% | 48 | $115K | 97% | 20 |
| Investment refinance | 94.8% | 77 | $105K | 97% | 15 |
| Investment home improvement | 62.2% | 45 | $85K | 96% | 19 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.