Independence Bank
Independence Bank received 122 applications in 2025 and made 97 mortgages, in 25 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 111 decisions, 11 were denials — 9.9%. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549000VZA9BKX17VB15 |
|---|---|
| Applications received | 122 |
| Mortgages made | 97 |
| Denied | 11 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Independence Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 55 | Not published | $285,000 | 5.0% |
| Refinancing | 30 | Not published | $235,000 | 8.8% |
| Other purposes | 12 | Not published | $105,000 | 29.4% |
Where Independence Bank lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hill County, MT | 25 | Not published | 0.0% |
| Cascade County, MT | 11 | Not published | 20.0% |
| Lewis and Clark County, MT | 10 | Not published | 8.3% |
| Valley County, MT | 9 | Under 10 loans | 25.0% |
| Phillips County, MT | 7 | Under 10 loans | 0.0% |
| Blaine County, MT | 4 | Under 10 loans | 0.0% |
| Daniels County, MT | 4 | Under 10 loans | 0.0% |
| Roosevelt County, MT | 4 | Under 10 loans | 42.9% |
| Gallatin County, MT | 2 | Under 10 loans | 0.0% |
| Liberty County, MT | 2 | Under 10 loans | 0.0% |
| Missoula County, MT | 2 | Under 10 loans | 0.0% |
| Pondera County, MT | 2 | Under 10 loans | 33.3% |
| Sheridan County, MT | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Fremont County, ID | 1 | Under 10 loans | 0.0% |
| Chouteau County, MT | 1 | Under 10 loans | 0.0% |
| Custer County, MT | 1 | Under 10 loans | 0.0% |
| Flathead County, MT | 1 | Under 10 loans | 0.0% |
| Garfield County, MT | 1 | Under 10 loans | 0.0% |
| Glacier County, MT | 1 | Under 10 loans | 0.0% |
| Jefferson County, MT | 1 | Under 10 loans | 0.0% |
| Teton County, MT | 1 | Under 10 loans | 0.0% |
| Toole County, MT | 1 | Under 10 loans | 0.0% |
| Yellowstone County, MT | 1 | Under 10 loans | 0.0% |
| McCone County, MT | 0 | Under 10 loans | Not published |
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When Independence Bank’s figures are published for the next year, or restated.
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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.