Lender in Kentucky · HMDA 2025
Independence Bank of Kentucky mortgages in Kentucky
Independence Bank of Kentucky's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Independence Bank of Kentucky originated 293 owner-occupied single-family loans in Kentucky from 376 completed applications.
Its median conventional purchase loan costs were $3,430 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.50% (Kentucky: 6.625%).
Loans in KY
293
of 376 applications
Denial rate
17.7%
Purchase · KY 8.2%
Rate spread
+0.29 pts
Conv. · KY +0.21 pts
Loan amount
$215,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 294 | 238 | 17.7% | 6.500% | +0.29 pts | $3,430 | $215,000 |
| Refinance | 52 | 36 | 28.8% | — | +0.45 pts | $2,770 | $145,000 |
| Cash-out refinance | 30 | 19 | 30.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Independence Bank of Kentucky ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Webster County | 1 | 15 | 18.5% |
| Hopkins County | 2 | 44 | 8.3% |
| Hancock County | 2 | 12 | 12.0% |
| Carlisle County | 3 | 2 | 3.3% |
| Fulton County | 3 | 2 | 5.1% |
| Henderson County | 5 | 24 | 4.5% |
| McLean County | 5 | 4 | 5.3% |
| Daviess County | 6 | 58 | 4.5% |
| Calloway County | 7 | 16 | 4.7% |
| Graves County | 10 | 12 | 3.1% |
| McCracken County | 12 | 23 | 2.8% |
| Ohio County | 13 | 4 | 2.0% |
| Franklin County | 16 | 10 | 1.4% |
| Marshall County | 17 | 5 | 1.2% |
| Caldwell County | 17 | 2 | 1.5% |
| Union County | 18 | 1 | 1.2% |
| Livingston County | 22 | 1 | 1.5% |
| Shelby County | 24 | 9 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology