Independence Bank of Kentucky
Independence Bank of Kentucky received 1,467 applications in 2025 and made 1,075 mortgages, in 72 counties across 9 states. The median rate its borrowers got was 7.000% on a median loan of $135,000. Of 1,309 decisions, 203 were denials — 15.5%, most often for credit history.
| Legal Entity Identifier | 5493002N5OA6GM61AC70 |
|---|---|
| Applications received | 1,467 |
| Mortgages made | 1,075 |
| Denied | 203 |
| Approved, not taken up | 31 |
| Withdrawn or incomplete | 158 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.07 points |
| FDIC-insured bank | Yes: Independence Bank of Kentucky, 26 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 447 | 6.875% | $195,000 | 11.3% |
| Refinancing | 276 | 7.000% | $115,000 | 12.0% |
| Cash-out refinancing | 19 | 6.375% | $105,000 | 32.3% |
| Other purposes | 333 | 7.250% | $75,000 | 22.0% |
Where Independence Bank of Kentucky lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Daviess County, KY | 208 | 6.950% | 8.6% |
| Henderson County, KY | 123 | 7.100% | 21.0% |
| Hopkins County, KY | 105 | 7.000% | 21.5% |
| McCracken County, KY | 97 | 7.000% | 10.9% |
| Webster County, KY | 71 | 7.200% | 23.4% |
| Jefferson County, KY | 60 | 7.000% | 12.5% |
| Warren County, KY | 55 | 7.000% | 13.4% |
| Shelby County, KY | 50 | 7.000% | 9.1% |
| Calloway County, KY | 49 | 7.000% | 13.8% |
| Graves County, KY | 41 | 7.000% | 10.4% |
| Hancock County, KY | 36 | 7.063% | 17.8% |
| Franklin County, KY | 31 | 7.000% | 20.5% |
| McLean County, KY | 16 | 6.975% | 22.7% |
| Fayette County, KY | 12 | 6.920% | 7.7% |
| Marshall County, KY | 12 | 7.000% | 7.7% |
| Anderson County, KY | 9 | Under 10 loans | 10.0% |
| Ohio County, KY | 8 | Under 10 loans | 38.5% |
| Breckinridge County, KY | 6 | Under 10 loans | 14.3% |
| Livingston County, KY | 5 | Under 10 loans | 14.3% |
| Vanderburgh County, IN | 4 | Under 10 loans | 0.0% |
| Jessamine County, KY | 4 | Under 10 loans | 0.0% |
| Logan County, KY | 4 | Under 10 loans | 50.0% |
| Spencer County, KY | 4 | Under 10 loans | 20.0% |
| Massac County, IL | 3 | Under 10 loans | 25.0% |
| Barren County, KY | 3 | Under 10 loans | 0.0% |
| Carlisle County, KY | 3 | Under 10 loans | 0.0% |
| Lyon County, KY | 3 | Under 10 loans | 0.0% |
| Davidson County, TN | 3 | Under 10 loans | 0.0% |
| Spencer County, IN | 2 | Under 10 loans | 50.0% |
| Allen County, KY | 2 | Under 10 loans | 0.0% |
| Bullitt County, KY | 2 | Under 10 loans | 0.0% |
| Butler County, KY | 2 | Under 10 loans | 33.3% |
| Caldwell County, KY | 2 | Under 10 loans | 0.0% |
| Fulton County, KY | 2 | Under 10 loans | 0.0% |
| Grayson County, KY | 2 | Under 10 loans | 0.0% |
| Hardin County, KY | 2 | Under 10 loans | 0.0% |
| Muhlenberg County, KY | 2 | Under 10 loans | 60.0% |
| Oldham County, KY | 2 | Under 10 loans | 0.0% |
| Trigg County, KY | 2 | Under 10 loans | 0.0% |
| Union County, KY | 2 | Under 10 loans | 33.3% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 50.0% |
| Clark County, IN | 1 | Under 10 loans | 0.0% |
| Floyd County, IN | 1 | Under 10 loans | 0.0% |
| Johnson County, IN | 1 | Under 10 loans | 0.0% |
| Perry County, IN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.