West Point Bank
West Point Bank received 313 applications in 2025 and made 264 mortgages, in 16 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $145,000. Of 304 decisions, 27 were denials — 8.9%.
| Legal Entity Identifier | 549300PD2JKG2Z95GK78 |
|---|---|
| Applications received | 313 |
| Mortgages made | 264 |
| Denied | 27 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: West Point Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 168 | Not published | $165,000 | 9.8% |
| Refinancing | 56 | Not published | $145,000 | 7.9% |
| Other purposes | 40 | Not published | $55,000 | 6.4% |
Where West Point Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hardin County, KY | 167 | Not published | 8.8% |
| Larue County, KY | 31 | Not published | 11.1% |
| Jefferson County, KY | 11 | Not published | 8.3% |
| Breckinridge County, KY | 10 | Not published | 9.1% |
| Grayson County, KY | 10 | Not published | 9.1% |
| Meade County, KY | 10 | Not published | 0.0% |
| Hart County, KY | 8 | Under 10 loans | 11.1% |
| Barren County, KY | 5 | Under 10 loans | 0.0% |
| Nelson County, KY | 4 | Under 10 loans | 20.0% |
| Bullitt County, KY | 3 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Daviess County, KY | 1 | Under 10 loans | 0.0% |
| Mercer County, KY | 1 | Under 10 loans | 0.0% |
| Trigg County, KY | 1 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 1 | Under 10 loans | 0.0% |
| Orange County, IN | 0 | Under 10 loans | 100.0% |
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When West Point 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.