Independence Bank of Kentucky mortgage approval rate & lending review
Independence Bank of Kentucky decided 894 mortgage applications and funded 794 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Independence Bank of Kentucky reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Independence Bank of Kentucky at a glance
Approval is 10.2 points above the 80.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 264 / 295 | 98% | $185K | 260 |
| Home improvement loans | 79% | 59 / 75 | 98% | $45K | 58 |
| Refinance | 91% | 185 / 203 | 98% | $105K | 182 |
| Investment property purchase | 98% | 206 / 211 | 97% | $145K | 200 |
| Investment refinance | 98% | 59 / 60 | 97% | $145K | 57 |
| Investment home improvement | 96% | 26 / 27 | 88% | $85K | 23 |
Independence Bank of Kentucky lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Independence Bank of Kentucky lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Daviess County, KY | Mortgage lenders | 91% | 152 | 137 |
| Daviess County, KY | Refinance | 92% | 119 | 109 |
| Daviess County, KY | Investment property purchase | 99% | 88 | 86 |
| Warren County, KY | Mortgage lenders | 86% | 59 | 49 |
| Warren County, KY | Investment property purchase | 94% | 51 | 45 |
| Warren County, KY | Refinance | 89% | 47 | 41 |
| Jefferson County, KY | Investment property purchase | 100% | 40 | 39 |
| Daviess County, KY | Home improvement loans | 70% | 47 | 32 |
| Jefferson County, KY | Refinance | 88% | 26 | 22 |
| Jefferson County, KY | Investment refinance | 100% | 22 | 22 |
The county markets where Independence Bank of Kentucky made the most loans. Each link opens that market with every lender ranked.
Questions about Independence Bank of Kentucky
What is Independence Bank of Kentucky's mortgage approval rate?
Independence Bank of Kentucky approved 90.9% of the 894 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.2 points above the 80.7% national rate for the same mix of loan types.
How often do borrowers take the loan Independence Bank of Kentucky offers?
Borrowers accepted 98% of the loans Independence Bank of Kentucky approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Independence Bank of Kentucky make?
The typical home purchase mortgage loan Independence Bank of Kentucky made was $185K; across all loan types its typical loan ran from $45K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Independence Bank of Kentucky lend?
Independence Bank of Kentucky decided applications in 11 of the states Fat Boy Data covers, most of them in Kentucky, Indiana and Florida.
Can I apply to Independence Bank of Kentucky directly?
Yes. Independence Bank of Kentucky is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Independence Bank of Kentucky's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Independence Bank of Kentucky treats applications, then get a rate quote from the lender.