West Point Bank mortgage approval rate & lending review
West Point Bank decided 612 mortgage applications and funded 520 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions West Point Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
West Point Bank at a glance
Approval is 10.2 points above the 82.6% 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 | 82% | 127 / 155 | 86% | $235K | 109 |
| Home improvement loans | 89% | 25 / 28 | 88% | $35K | 22 |
| Refinance | 85% | 53 / 62 | 94% | $155K | 50 |
| Investment property purchase | 99% | 288 / 291 | 93% | $175K | 267 |
| Investment refinance | 98% | 40 / 41 | 95% | $135K | 38 |
| Investment home improvement | 100% | 34 / 34 | 97% | $65K | 33 |
West Point Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 93% | $175K | 608 | 516 |
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 West Point Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hardin County, KY | Investment property purchase | 100% | 270 | 248 |
| Hardin County, KY | Mortgage lenders | 82% | 148 | 105 |
| Hardin County, KY | Refinance | 85% | 60 | 48 |
| Hardin County, KY | Home improvement loans | 89% | 28 | 22 |
The county markets where West Point Bank made the most loans. Each link opens that market with every lender ranked.
Questions about West Point Bank
What is West Point Bank's mortgage approval rate?
West Point Bank approved 92.8% of the 612 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.2 points above the 82.6% national rate for the same mix of loan types.
How often do borrowers take the loan West Point Bank offers?
Borrowers accepted 92% of the loans West Point Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does West Point Bank make?
The typical investment property mortgage loan West Point Bank made was $175K; across all loan types its typical loan ran from $35K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does West Point Bank lend?
West Point Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Kentucky, Louisiana and Alabama.
Can I apply to West Point Bank directly?
Yes. West Point Bank is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show West Point Bank'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 West Point Bank treats applications, then get a rate quote from the lender.