Lender profile · HMDA 2023–2025
Independence Bank of Kentucky mortgage approval rates & lending data
Independence Bank of Kentucky decided 894 mortgage applications and funded 794 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 91% | $145K | 843 | 745 |
| Indiana | 100% | $185K | 21 | 21 |
| Florida | 100% | $795K | 14 | 14 |
| Tennessee | 89% | $385K | 9 | 8 |
| California | 0% | — | 1 | 0 |
| Kansas | 100% | $665K | 1 | 1 |
| Massachusetts | 100% | $1.16M | 1 | 1 |
| Mississippi | 100% | $195K | 1 | 1 |
| New Jersey | 100% | $2M | 1 | 1 |
| Ohio | 100% | $135K | 1 | 1 |
| South Carolina | 100% | $125K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.