--- title: Multifamily Lenders in Daviess County, KY: 11 Made Loans url: https://lender.report/lenders-in/kentucky/daviess-county/ license: https://lender.report/license/ --- County ยท KY # Multifamily lenders in Daviess County, KY 11 lenders made 37 multifamily loans in Daviess County, KY in 2024 and 2025, $49.6M in all. Independence Bank of Kentucky made the most, with 8. The typical loan was about $540K. The county is part of the Owensboro, KY metro area. **Evidence** Multifamily loans placed in the county, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 11 HMDA, 2025 **Multifamily loans, 2024-25** 37 HMDA, 2025 Manufactured-home parks excluded **Dollars** $49.6M HMDA, 2025 **Typical loan** $540K HMDA, 2025 Cite this Source: The Lender Report, Multifamily lenders in Daviess County, KY, https://lender.report/lenders-in/kentucky/daviess-county/, data as of December 31, 2025. ## Describe a deal in Daviess County, KY See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show multifamily loans in Daviess County, KY](https://lender.report/comps/?lane=multifamily&state=KY&county=21059)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan | | --- | --- | --- | --- | --- | --- | --- | --- | | [Independence Bank of Kentucky](https://lender.report/lender/independence-bank-of-kentucky-ky/) [multifamily record](https://lender.report/lender/independence-bank-of-kentucky-ky/multifamily/) | Bank | Owensboro, KY | 8 | $7.44M | 6 | 2 | $820K | | [German American Bank](https://lender.report/lender/german-american-bank-in/) [multifamily record](https://lender.report/lender/german-american-bank-in/multifamily/) | Bank | Jasper, IN | 8 | $5.54M | 3 | 5 | $260K | | [South Central Bank, Inc.](https://lender.report/lender/south-central-bank-ky/) [multifamily record](https://lender.report/lender/south-central-bank-ky/multifamily/) | Bank | Glasgow, KY | 7 | $5.88M | 3 | 4 | $620K | | [Old National Bank](https://lender.report/lender/old-national-bank-in/) [multifamily record](https://lender.report/lender/old-national-bank-in/multifamily/) | Bank | Evansville, IN | 4 | $2.96M | 4 | 0 | $940K | | [Farmers Bank and Trust Company](https://lender.report/lender/farmers-bank-and-trust-ky-marion/) [multifamily record](https://lender.report/lender/farmers-bank-and-trust-ky-marion/multifamily/) | Bank | Marion, KY | 3 | $15.2M | 3 | 0 | $7.5M | | [First United Bank and Trust Company](https://lender.report/lender/first-united-bank-and-trust-ky/) [multifamily record](https://lender.report/lender/first-united-bank-and-trust-ky/multifamily/) | Bank | Madisonville, KY | 2 | $2.92M | 1 | 1 | $2.5M | | [Banterra Bank](https://lender.report/lender/banterra-bank-il/) [multifamily record](https://lender.report/lender/banterra-bank-il/multifamily/) | Bank | Marion, IL | 1 | $7.30M | 0 | 1 | $7.3M | | [American Bank & Trust Company, Inc.](https://lender.report/lender/american-bank-and-trust-ky/) [multifamily record](https://lender.report/lender/american-bank-and-trust-ky/multifamily/) | Bank | Bowling Green, KY | 1 | $1.80M | 0 | 1 | $1.8M | | [First Horizon Bank](https://lender.report/lender/first-horizon-bank-tn/) [multifamily record](https://lender.report/lender/first-horizon-bank-tn/multifamily/) | Bank | Memphis, TN | 1 | $300K | 0 | 1 | $300K | | [Heritage Credit Union](https://lender.report/lender/heritage-credit-union-in/) | Credit union | Newburgh, IN | 1 | $300K | 1 | 0 | $300K | | [The Cecilian Bank](https://lender.report/lender/cecilian-bank-ky/) [multifamily record](https://lender.report/lender/cecilian-bank-ky/multifamily/) | Bank | Cecilia, KY | 1 | $65.0K | 0 | 1 | $65K | HMDA, 2025 [Check a deal in Daviess County, KY in Loan Comps](https://lender.report/comps/?lane=multifamily&state=KY&county=21059) | Loan size | Loans | Lenders | | --- | --- | --- | | Under $1M | 27 | 9 | | $1M to $2.5M | 4 | 3 | | $2.5M to $5M | 3 | 3 | | $5M to $10M | 3 | 2 | | $10M or more | 0 | 0 | HMDA, 2025 - Lenders made 37 multifamily loans totaling $49.6M in Daviess County, KY in 2024 and 2025. HMDA, 2025 - 21 of the loans were made in 2025 and 16 in 2024. HMDA, 2025 - The typical loan in Daviess County, KY was about $540K, with the middle half between $300K and $1.3M. HMDA, 2025 - 27 of the loans were under $1M, and 3 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 7.25% on 31 loans in Daviess County, KY, with the middle half between 6.75% and 7.50%. HMDA, 2025 - The median term was 5 years. HMDA, 2025 - The median loan to value was 75%. HMDA, 2025 - 16% of the loans were refinancings and 78% were purchases. HMDA, 2025 - Banks and savings institutions made 36 of the loans, credit unions 1, and non-banks 0. HMDA, 2025 - The three most active lenders were Independence Bank of Kentucky with 8, German American Bank with 8, and South Central Bank, Inc. with 7. HMDA, 2025 - 6 of the 11 lenders are based in Kentucky. The rest are based elsewhere, most often in Indiana, Illinois and Tennessee. HMDA, 2025 - The most common property size was 5 to 24 units, with 23 loans. HMDA, 2025 - Daviess County, KY is part of the Owensboro, KY metro area, which has its own page. OMB metro list, 2025 ## How this list is defined **Measure** Multifamily loans made in Daviess County, KY **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county. **Order** Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: First published, with the data built on this date. ## What we don't know - Whether any of these lenders is taking new loans today. - What they charge or require beyond the rate and term that HMDA reports. - Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only. A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count. SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them. HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.