Daviess County
Kentucky · FIPS 21059
According to CFPB HMDA 2024 application volume among U.S. counties, Daviess County ranks #635 of 3,223, and #10 of 120 in Kentucky.
Mortgage lending activity in Daviess County, Kentucky based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Daviess County, Kentucky lenders denied 519 of the applications reported here, financing the rest at an average note rate of 7.08%, with applicants self-reporting average annual income of $35K. 150 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Daviess County
In Daviess County, lead originator Liberty Federal Credit Union funded 30.7% of 2,251 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Daviess County's 3,690 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Daviess County's $166,631 average loan (deduped against volume peers).
Lenders active in Daviess County
Liberty Federal Credit Union funded 692 of the 2,251 loans originated in Daviess County, 30.7% of the county. 150 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Liberty Federal Credit Union | 692 | 30.7% |
| 2 | Independence Bank of Kentucky | 175 | 7.8% |
| 3 | Old National Bank | 118 | 5.2% |
| 4 | Us Bank, N.A. | 116 | 5.2% |
| 5 | South Central Bank INC | 94 | 4.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Daviess County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Daviess County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.