--- title: Lenders in Owensboro, KY: 12 Made Multifamily Loans in 2024-25 url: https://lender.report/lenders-in/owensboro-ky/ license: https://lender.report/license/ --- Metro area ยท KY # Lenders in Owensboro, KY 12 lenders made 39 multifamily loans in the Owensboro, KY metro area in 2024 and 2025, $88.6M in all. Independence Bank of Kentucky made the most, with 9. The typical loan was about $600K. **Evidence** Multifamily loans placed in the metro area, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 12 HMDA, 2025 **Multifamily loans, 2024-25** 39 HMDA, 2025 Manufactured-home parks excluded **Dollars** $88.6M HMDA, 2025 **Typical loan** $600K HMDA, 2025 Cite this Source: The Lender Report, Lenders in Owensboro, KY, https://lender.report/lenders-in/owensboro-ky/, data as of December 31, 2025. ## Describe a deal in Owensboro, KY This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it. [Start with a deal in Owensboro, KY](https://lender.report/comps/?lane=multifamily&metro=36980)[A lender in Owensboro, KY? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | | --- | --- | --- | --- | --- | --- | --- | | [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 | 9 | $8.04M | 7 | 2 | | [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 | | [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 | | [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 | | [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 | | [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 | | [Berkadia Commercial Mortgage](https://lender.report/lender/berkadia-commercial-mortgage-pa/) [multifamily record](https://lender.report/lender/berkadia-commercial-mortgage-pa/multifamily/) | Non-bank | Ambler, PA | 1 | $38.0M | 0 | 1 | | [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 | | [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 | | [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 | | [Heritage Credit Union](https://lender.report/lender/heritage-credit-union-in/) | Credit union | Newburgh, IN | 1 | $300K | 1 | 0 | | [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 | HMDA, 2025 [All 12 lenders in Owensboro, KY, by loan size](https://lender.report/multifamily-lenders/owensboro-ky/) | County | Loans | Dollars | Lenders | | --- | --- | --- | --- | | [Daviess County, KY](https://lender.report/lenders-in/kentucky/daviess-county/) | 37 | $49.7M | 11 | HMDA, 2025 A county is listed for a year only when the public file holds 5 or more multifamily loans there that year. | Loan size | Loans | | --- | --- | | Under $1M | 28 | | $1M to $2.5M | 4 | | $2.5M to $5M | 3 | | $5M to $10M | 3 | | $10M or more | 1 | HMDA, 2025 - Lenders made 39 multifamily loans totaling $88.6M in Owensboro, KY in 2024 and 2025. HMDA, 2025 - 22 of the loans were made in 2025 and 17 in 2024. HMDA, 2025 - The typical loan in Owensboro, KY was about $600K, with the middle half between $300K and $1.4M. HMDA, 2025 - 28 of the loans were under $1M, and 4 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 7.25% on 33 loans in Owensboro, 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 - 15% of the loans were refinancings and 77% were purchases. HMDA, 2025 - Banks and savings institutions made 37 of the loans, credit unions 1, and non-banks 1. HMDA, 2025 - The five most active lenders made 79.5% of the loans. HMDA, 2025 - The three most active lenders were Independence Bank of Kentucky with 9, German American Bank with 8, and South Central Bank, Inc. with 7. HMDA, 2025 - 6 of the 12 lenders are based in Kentucky. The rest are based elsewhere, most often in Indiana, Illinois and Pennsylvania. HMDA, 2025 - The most common property size was 5 to 24 units, with 24 loans. HMDA, 2025 - 1 county in the metro area has loans on record, and Daviess County, KY has the most, with 37. HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in the Owensboro, KY metro area **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there. **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. 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.