Largest lenders in Daviess County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Liberty | B | 805 | 664 | 4.8% | 6.75% |
| 2 | Independence Bank of Kentucky | B | 241 | 208 | 8.3% | 6.95% |
| 3 | U.S. Bank | D | 216 | 139 | 19.9% | 6.88% |
| 4 | United Shore Financial Services | B | 155 | 126 | 9.0% | 6.53% |
| 5 | Rocket Mortgage | C | 139 | 107 | 15.1% | 6.75% |
| 6 | Old National Bank | B | 135 | 97 | 15.6% | 6.38% |
| 7 | South Central Bank | B | 128 | 105 | 3.1% | 6.63% |
| 8 | German American Bank | A | 122 | 99 | 12.3% | 7.13% |
| 9 | Fifth Third Bank | D | 99 | 61 | 26.3% | 8.50% |
| 10 | Truist Bank | C | 93 | 47 | 21.5% | 6.99% |
| 11 | Fbc Mortgage | B | 68 | 63 | 0.0% | 4.99% |
| 12 | Mortgage Research Center | C | 64 | 29 | 18.8% | 6.25% |
| 13 | Pennymac Loan Services | C | 53 | 28 | 9.4% | 6.00% |
| 14 | 21st Mortgage | F | 48 | 3 | 60.4% | 10.14% |
| 15 | JPMorgan Chase Bank | B | 41 | 25 | 19.5% | 6.49% |
| 16 | Heritage Federal Credit Union | D | 40 | 25 | 20.0% | 6.75% |
| 17 | AmeriSave Mortgage | D | 38 | 9 | 63.2% | 7.13% |
| 18 | Freedom Mortgage | B | 38 | 16 | 7.9% | 6.25% |
| 19 | PNC Bank | D | 37 | 21 | 27.0% | 7.40% |
| 20 | Broker Solutions | D | 36 | 25 | 5.6% | 6.69% |
| 21 | Vanderbilt Mortgage and Finance | F | 35 | 2 | 51.4% | 9.12% |
| 22 | Coastal Community Bank | C | 31 | 12 | 3.2% | 9.74% |
| 23 | Newrez | D | 30 | 7 | 26.7% | 6.75% |
| 24 | Loandepot.Com | D | 28 | 14 | 35.7% | 6.69% |
| 25 | Peoples Bank | C | 26 | 18 | 23.1% | 7.50% |
Best approval odds in Daviess County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Fbc Mortgage | 63 | 0.0% |
| 2 | South Central Bank | 112 | 3.6% |
| 3 | Liberty | 714 | 5.5% |
| 4 | Independence Bank of Kentucky | 232 | 8.6% |
| 5 | United Shore Financial Services | 141 | 9.9% |
| 6 | German American Bank | 116 | 12.9% |
| 7 | Rocket Mortgage | 129 | 16.3% |
| 8 | Old National Bank | 119 | 17.7% |
| 9 | U.S. Bank | 186 | 23.1% |
| 10 | Truist Bank | 73 | 27.4% |
What Daviess County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Daviess County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,202 | 2,061 | 15.5% | 6.88% | $125,000 |
| 2024 | 3,369 | 2,251 | 15.4% | 6.99% | $135,000 |
| 2025 | 3,489 | 2,345 | 15.1% | 6.75% | $145,000 |
Frequently asked questions
15.1% of applications in Daviess County were denied in 2025, against 18.8% statewide in Kentucky.
Liberty, with 805 applications in 2025 and a denial rate of 4.8%.
The median mortgage application in Daviess County in 2025 was for $145,000; the median property value on originated loans was $255,000.